State tax calculators — All 50 states

Each state page shows 2026 brackets, quarterly due dates, the official Department of Revenue payment URL, and the freelancer-specific quirks that trip people up.

For the full federal + state + SE tax math in 30 seconds, use the main calculator. The state pages below cover state-specific rules, deductions, and gotchas.

Most-searched states

No income tax states

If you live in one of these states, you owe federal income tax + 15.3% self-employment tax — but no state income tax on wages or SE income. (NH and TN tax investment income only; both have no wage tax.)

States by top tax rate (lowest first)

For self-employed Americans, where you live can swing your effective tax burden by 7-11 percentage points before federal tax even enters the calculation. Below is every US state ranked by top marginal income tax rate. Flat-rate states apply the same rate to all taxable income; progressive states only reach the top rate at high income brackets, so most freelancers pay less than the headline number.

State	Top rate	Type
Alaska	0%	No tax
Florida	0%	No tax
Nevada	0%	No tax
New Hampshire	0%	No tax
South Dakota	0%	No tax
Tennessee	0%	No tax
Texas	0%	No tax
Washington	0% (7% capital gains over $250k)	No tax
Wyoming	0%	No tax
Arizona	2.5%	Flat
North Dakota	2.5%	Progressive
Ohio	2.75%	Flat
Indiana	2.95%	Flat
Louisiana	3.0%	Flat
Pennsylvania	3.07%	Flat
Kentucky	3.5%	Flat
Michigan	4.25%	Flat
Colorado	4.4%	Flat
Utah	4.55%	Flat
Missouri	4.7%	Progressive
Illinois	4.95%	Flat
Georgia	5.19%	Flat
Massachusetts	5% (+4% surtax over $1M)	Flat
California	13.3%	Progressive
New York	10.9%	Progressive
Hawaii	11%	Progressive
New Jersey	10.75%	Progressive
District of Columbia	10.75%	Progressive
Oregon	9.9%	Progressive
Minnesota	9.85%	Progressive

The top rates above only apply at the highest income brackets. A typical freelancer earning $80,000 net in California pays an effective state rate of about 6%, not 13.3%. Click into any state for the bracket schedule, due dates, and state-specific quirks.

States with local income taxes (don't get caught off guard)

Eight states layer city, county, or municipal income taxes on top of the state rate. If you live or work in any of these jurisdictions, the state tax page won't tell the whole story — you'll owe an additional 0.5%-4% to the local government, filed and paid separately from the state return.

New York — New York City residents pay an additional 3.078%-3.876% (NYC personal income tax). Self-employed NYC residents also owe the Unincorporated Business Tax (UBT) at 4% on net SE earnings above $95,000. Yonkers residents pay a separate Yonkers income tax surcharge.
Missouri — Kansas City and St. Louis both levy a 1% earnings tax on residents AND non-residents who work within city limits. Filed separately from MO state return.
Ohio — Most Ohio municipalities (Cleveland, Columbus, Cincinnati, Toledo, etc.) charge a 1.5%-3% municipal income tax. RITA (Regional Income Tax Agency) handles collection for ~300 Ohio cities; Cleveland and Columbus use their own collectors.
Pennsylvania — Philadelphia residents owe 3.75% Philadelphia Wage Tax (3.44% for non-residents working in the city). Many PA municipalities also impose a 1% Local Earned Income Tax (LST) plus per-capita taxes.
Indiana — All 92 Indiana counties impose a local income tax (LIT) ranging from 0.5% to 3.38%. Self-employed Indiana residents pay LIT on net SE income.
Maryland — Every Maryland county imposes a county income tax of 2.25%-3.2% on top of state rate. Effective combined state+county top rates exceed 8.95%.
Michigan — 24 Michigan cities (Detroit, Grand Rapids, Lansing, etc.) impose a 1%-2.4% city income tax on residents and non-residents working in the city.
Kentucky — Most Kentucky cities and counties levy a local occupational license tax (an income tax in disguise) of 1%-2.5% on net SE earnings.

How to use these state pages

Each state page is structured around the four numbers self-employed taxpayers actually need:

State top rate + bracket schedule. What rate applies to your taxable income. For progressive-bracket states, the effective rate is usually 30-50% lower than the headline top rate.
Estimated tax due dates. Most states piggyback on the federal April 15 / June 15 / September 15 / January 15 schedule. A handful (Hawaii, Iowa, Virginia, Delaware) deviate.
State Department of Revenue payment portal. Direct link to file estimated tax payments online (free direct-debit for most states).
State-specific quirks. What catches first-year filers — local taxes, conformity differences, recapture rules, narrow-bracket structures.

For total-tax math across federal + state + 15.3% SE tax + half-SE deduction + QBI in 30 seconds, use the main quarterly tax calculator on the homepage. The state pages cover what the calculator can't surface in a single number — the procedural details, deadlines, and quirks that determine whether you file correctly.