TAX YEAR 2026

What would moving do to your state income tax?

Enter your household income once. MoveTax estimates the same 2026 income scenario in every state, including retirement income, Roth conversions, Social Security and investment gains.

50 states + D.C.

2026 State Income Tax Calculator

Initial entry — change any item below to match your situation. Detailed Estimate updates automatically as you edit.

Calculating 2026 taxes

Filing status

Age — taxpayer 1

Age — spouse 2

Current state

State considering

Total annual income

Quick Estimate allocates total income using this recently retired initial mix: 5% wages, 10% taxable interest, 15% qualified dividends, 0% short-term capital gains, 15% long-term capital gains, 25% IRA/401(k) RMDs or withdrawals, 10% Roth conversion, 5% pension and 15% Social Security. Switch to Detailed Estimate to enter your exact mix.

Assumptions used for this comparison

Current state tax

New state tax

Annual difference

Difference as % of income

Marginal ordinary rate — Current StateAt this income level

Marginal ordinary rate — New StateAt this income level

Monthly difference

State tax on your income — all 50 states + D.C.

Hover over any state or its bar to see the estimated annual tax.

What would you pay in every state?

State ↕	Tax ↕	Effective rate ↕	Savings vs current ↕	Monthly savings ↕	Marginal ordinary rate ↕	Marginal LTCG rate ↕	Marginal Roth rate ↕

Why are the two states different?

Additional Income Amount to TestUsed for both the Roth-conversion and long-term-capital-gain comparisons. Rounded to the nearest $1,000.

Tax on additional Roth conversion — Current State

Tax on additional Roth conversion — New State

Tax on additional LTCG — Current State

Tax on additional LTCG — New State

What if your income changes?

Each point shows both states’ estimated tax, plus the annual tax difference and that difference as a percentage of total income at that income level.

Scales all entered income categories proportionally to 50%, 75%, 100%, 125% and 150% of the current scenario.

Tax Year 2026

MoveTax: How It Works

MoveTax compares estimated 2026 state individual income tax across all 50 states + D.C., using the same household income scenario. It is designed to help people see how the composition of their income—not just the total—can change the state-tax effect of moving.

What the calculator can do

Compare two statesSee estimated annual tax, effective rate, annual and monthly difference, percentage-of-income difference, and marginal ordinary-income rates for both selected states.

Compare all 50 states + D.C.Rank all 51 jurisdictions by estimated tax, effective rate and savings versus your current state.

Model retirement and investment incomeEnter wages, interest, dividends, capital gains, IRA/401(k) RMDs or withdrawals, Roth conversions, pension and Social Security.

Test additional incomeChoose any additional-income amount (rounded to the nearest $1,000) and see the estimated state tax on that Roth conversion or long-term capital gain.

Test different income levelsSee how the two selected states compare if your entered income mix rises or falls proportionally.

Print or exportPrint/Save as PDF or download the 51-jurisdiction results as a CSV file.

Quick Estimate vs. Detailed Estimate

Quick Estimate uses your total annual income and allocates it to a recently retired initial income mix. For Social Security, it estimates the federally taxable portion using the standard federal provisional-income formula and the income generated by that mix (assuming no tax-exempt interest), rather than automatically using 85%. When you switch to Detailed Estimate, the Quick Estimate allocation is carried into the detailed fields so you can see and edit the breakdown. Detailed Estimate lets you enter your actual income categories and should generally provide the more relevant comparison.

Important input definitions

Wages / business / other ordinary: Taxable earned or ordinary income not entered elsewhere.
Taxable interest: Interest that is included in taxable income. The calculator does not separately identify U.S. Treasury interest or state-specific municipal-bond interest, which may be exempt from state income tax; adjust the taxable-interest entry as appropriate for the state being evaluated.
Ordinary dividends: Taxable dividends that are not qualified dividends.
Qualified dividends: Dividends reported as qualified for federal purposes; state treatment may differ from federal treatment.
Short-term capital gains: Net taxable capital gains on assets generally held one year or less.
Long-term capital gains: Net taxable investment/securities gains on assets generally held more than one year. Special gains such as exempt real estate or business-sale items may require separate treatment and are outside this simplified model.
IRA/401(k) RMDs or withdrawals: Taxable required minimum distributions (RMDs) or other taxable withdrawals from traditional retirement accounts.
Roth conversion: The taxable amount converted from a traditional IRA/retirement account to a Roth account.
Pension: Taxable private/qualified pension income. Special military, public-safety and other source-specific pension rules are outside the standard assumptions.
Social Security benefits: Total annual Social Security benefits received.
Federally taxable Social Security: Calculated automatically from Social Security benefits and the other entered income using federal provisional-income rules. Provisional income is not the same as total income and can include tax-exempt interest, which MoveTax does not currently request. If you know your actual federally taxable Social Security amount, you can override the calculated value. Some states use this amount or related income thresholds in determining state treatment.

Important output definitions

Estimated state tax: Estimated state-level individual income tax for the entered scenario and tax year.
Effective rate: Estimated state tax divided by total income entered in the calculator.
Savings vs. current state: The difference between estimated tax in your current state and the comparison state.
Marginal ordinary / LTCG / Roth: The estimated state tax rate on the next increment of that type of income, based on the calculator's modeled rules.

MoveTax Disclaimer

Important disclaimer

MoveTax is an educational planning and comparison tool. MoveTax, this website, and its creators are not acting as your tax advisor, accountant, attorney, financial planner, investment advisor or other professional advisor. Nothing on this website constitutes tax, legal, accounting, investment or financial advice, and nothing on the website is a recommendation to move, invest, sell, buy, convert retirement assets, change residency, or take any other action.

The calculations are estimates based on the information you enter, modeled 2026 state tax rules, stated assumptions and simplifications. Tax laws are complex, can change, and may depend on facts that this calculator does not request or model. MoveTax does not guarantee that any information, tax rule, calculation, comparison, rate, savings estimate or other result is accurate, complete, current or applicable to your circumstances.

The calculator generally addresses state-level individual income tax for a hypothetical full-year resident. Unless specifically shown, it does not calculate local income taxes, federal taxes, property taxes, sales/use taxes, estate or inheritance taxes, alternative taxes, penalties, interest, residency-transition rules, part-year or nonresident rules, specialized credits, every deduction or exemption, or every source-specific retirement or capital-gain rule.

Results may differ materially from an actual tax return. Do not rely on MoveTax as a substitute for professional advice or tax-return preparation. Before making a significant financial, tax, retirement, investment, residency or relocation decision, consider reviewing your specific facts with appropriately qualified tax, legal and financial professionals.

By using the calculator, you acknowledge that you are responsible for evaluating the information and for your own decisions. Use of the website does not create a professional, advisory, fiduciary, accountant-client, attorney-client or similar relationship.