Every state included
Choose all 50 states or Washington, D.C., including states with no broad wage-income tax.
2026 federal rates50 states + D.C.Private on your device
USA Federal & State Tax Refund Calculator
See federal and state estimates separately, compare tax already paid with estimated liability, and understand where your income goes.
Federal + state estimate
Enter your 2026 tax details
California: A simplified statewide estimate is applied at up to 9.30%. Uses a simplified progressive-rate estimate; the 1% mental-health tax is not included.
Private: calculations stay in this browser and are not saved.
Estimated filing result
Federal and California estimates combined. The IRS and state process refunds separately.
Your breakdown
Planning estimateTotal income entered$0
Federal taxable income$0
Federal income tax$0
FICA payroll tax$0
Self-employment tax$0
California income tax$0
Federal refund / (owing)$0
California refund / (owing)$0
Estimated take-home income$0
Take-home income$0 (0%)
Federal income tax$0 (0%)
California tax$0 (0%)
FICA$0 (0%)
Self-employment tax$0 (0%)
All-in rate
0.00%
State rate used
9.30%
Tax year
2026
Built for clarity
One view for federal and state tax
Refunds separated
See federal and state refund or amount owing before reviewing the combined planning total.
Payroll tax explained
FICA and self-employment tax remain separate from federal and state income tax.
Limits made visible
Local income taxes, part-year residence and special state credits are clearly identified as exclusions.
How the federal and state estimate works
The federal calculation uses 2026 IRS brackets and the standard deduction for your filing status. It then estimates the Child Tax Credit, FICA on wages and self-employment tax. Your federal result compares federal withholding and payments with estimated federal income and self-employment tax.
The state calculation starts from estimated adjusted gross income and applies a simplified statewide resident rate and deduction. This makes state-to-state planning much more useful than a federal-only calculator, but it is not a substitute for a state return: each state has its own additions, subtractions, credits and filing rules.
State-tax examples
California resident
The calculator adds a simplified California income-tax estimate and compares it with state withholding. Special credits and the high-income mental-health tax are excluded.
Texas resident
Texas has no state individual income tax on wages, so the state wage-income estimate is $0. Federal income tax and FICA still apply.
New York resident
The calculator estimates New York State tax. New York City and Yonkers taxes are not included and can materially change the final result.
Working across state lines
This version assumes one full-year resident state. A nonresident or part-year return may allocate income differently and is outside the quick estimate.
Important limitation
The state figure is a simplified planning estimate, not state-return preparation. It excludes city, county and school-district income taxes; part-year and nonresident allocation; most state credits; special capital-gain rules; and other state-specific adjustments.
Official starting points
Frequently asked questions
Does the calculator include state income tax?+
Yes. Select any of the 50 states or Washington, D.C. The state result is a simplified resident planning estimate; local income taxes and many state-specific credits are excluded.
Which states have no tax on wage income?+
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not impose a broad state individual income tax on wage income. Washington's separate capital-gains tax is outside this calculator.
Are federal and state refunds paid together?+
No. The combined result is useful for planning, but the IRS and your state tax agency calculate and issue their refunds separately.
Why might my actual result differ?+
State credits, local taxes, part-year residence, income earned in another state, capital gains, EITC, education credits and other return details can change the result.