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2026 State Tax Rules / FICA / Treaty Treatment

State Tax & Take-Home Pay Calculator

Compare two offers using a simplified 2026 federal and state tax estimate. The model is not a tax-return preparer and does not include every credit, local tax, deduction, residency rule, or treaty limitation.

2026 Calculator Scope & Assumptions

This tool provides a side-by-side planning estimate for a worker earning the same gross salary in two selected states. It is not a substitute for Form 1040/1040-NR or a state return because actual tax can depend on residency, source income, filing status, credits, itemized deductions, local taxes, payroll taxes, and state-specific adjustments.

Federal calculations use the 2026 federal brackets and standard deduction. Nonresident aliens generally cannot use the standard deduction unless an exception applies, including the special rule for eligible students and business apprentices from India under Article 21(2) of the U.S.-India treaty. Use the calculator only when its assumptions fit your situation.

Offer & Status Inputs

📍 Offer Option A
📍 Offer Option B

Estimated Disposable Income Comparison

Awaiting Input

Input your job offers and status information, then click compare to view the disposable income analysis.

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Frequently Asked Questions (FAQ)

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, and Wyoming impose no broad individual income tax on wage income in 2026. Washington does not impose a broad wage income tax, although it taxes certain long-term capital gains. New Hampshire's former interest-and-dividends tax was repealed beginning in 2025.

No. State conformity to federal income-tax treaties varies. California expressly does not conform to federal treaty protections for California income. Other states may conform or have their own rules, so treaty treatment must be checked under the specific state's law.

No. The treaty field should contain only income that is actually exempt from U.S. federal income tax under a specific treaty provision for the taxpayer's country, visa/status, income type, and treaty article. There is no universal $5,000 wage exemption for all foreign students.

Generally, nonresident alien students temporarily present in F-1, J-1, or M-1 status can be exempt from Social Security and Medicare taxes on authorized employment that is closely connected to the purpose of the visa. The exemption has status, residency, employment, and calendar-year limitations; it is not an automatic benefit for every F-1 or J-1 worker.

For 2026, employee Social Security tax is 6.2% on wages up to $184,500. Medicare tax is 1.45% on all covered wages, with no wage base. The 0.9% Additional Medicare Tax applies above $200,000 for single filers and $250,000 for married filing jointly, with a $125,000 threshold for married filing separately.

For 2026, the overall federal deduction for state and local income, sales, and property taxes is generally capped at $40,000 ($20,000 for married filing separately), subject to an income-based reduction for higher-income taxpayers. The deduction is available only when the taxpayer itemizes.

No. Nonresident aliens generally cannot claim the federal standard deduction and generally cannot file jointly with another nonresident spouse. Important exceptions include certain joint-return elections involving a U.S. citizen or resident spouse and the special standard-deduction rule for eligible students and business apprentices from India under Article 21(2) of the U.S.-India treaty.

A mid-year move can create part-year resident and/or nonresident filing obligations, but the exact filing requirements depend on the states involved, the dates of residency, the source of the income, and applicable reciprocity or other state rules. Do not assume that every move requires the same two-return treatment.

Have questions about 2026 state income tax brackets, treaty conformity, or FICA rules?

⬆️ Refer to FAQ Section Above
Official Government Tax Portals

• California Franchise Tax Board (FTB): ftb.ca.gov
• New York Department of Taxation and Finance: tax.ny.gov

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