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Crunching costs, sorting signals, rendering insights.
Do tax-free states really save money?. Understand your full tax picture in any U.S. state and city.
Updated June 2025 · 288 U.S. cities · Free forever
In New York, NY, a $90,000 salary yields $62,097 after all taxes — an effective rate of 31%.
Step-by-step breakdown
Type your annual salary or income. For hourly workers, multiply your hourly rate by 2,080 (40 hours × 52 weeks). Include base salary, bonuses, and any regular overtime.
Select from 288 U.S. cities. We'll instantly load that city's cost-of-living index, median rent, state tax rate, and local expense data.
Click calculate and see a complete financial breakdown — highlighted summary, line-by-line cost analysis, a clear verdict, and comparisons across multiple cities.
Scroll down to see how your results compare across America's largest and most affordable cities, with color-coded indicators showing where your money goes furthest.
Use the related calculators below to analyze your finances from every angle — tax breakdowns, rent affordability, moving costs, and more.
Comparing 8 major metropolitan areas
| City | State | Result | Detail |
|---|---|---|---|
| New York | NY | $62,097 | $5,175/mo |
| Los Angeles | CA | $59,892 | $4,991/mo |
| Toledo | OH | $64,662 | $5,389/mo |
| Sunnyvale | CA | $59,892 | $4,991/mo |
| Philadelphia | PA | $65,499 | $5,458/mo |
| Austin | TX | $68,262 | $5,689/mo |
| Jackson | MS | $63,762 | $5,314/mo |
| San Francisco | CA | $59,892 | $4,991/mo |
Results based on default inputs. Adjust the calculator above for personalized results.
State tax policy creates meaningful income disparities across state lines. Workers in no-income-tax states like Texas, Florida, and Washington keep thousands more per year compared to peers in California (13.3% top rate) or New York (10.9% top rate). On a $100,000 salary, the difference in take-home pay between Texas and California can exceed $8,000 annually. Factor in property taxes, sales taxes, and local levies, and the total tax burden varies even more dramatically. This tool makes those differences visible and quantifiable.
The American tax system is a complex layering of federal income taxes, state taxes (ranging from 0% to 13.3%), FICA contributions, and local levies. The same gross salary can yield dramatically different take-home pay depending on your state — a difference of $5,000 to $15,000 per year in many cases. The No-Income-Tax State Calculator on Livably uses real-time data from 288 U.S. cities — including median rents, cost-of-living indices, tax rates, and local expenses — to give you a precise, personalized answer. Do tax-free states really save money?. Understand your full tax picture in any U.S. state and city. Whether you're planning a move, negotiating a job offer, or simply curious about your financial standing, this free calculator gives you the hard numbers you need in seconds.
Expert insights to maximize your results
Moving from a high-tax state to a no-income-tax state can save $5,000-$15,000 annually on the same salary.
Effective tax rates matter more than marginal rates — a 32% marginal bracket doesn't mean you pay 32% of your total income.
Self-employed individuals pay double FICA (15.3%) — if you're comparing W-2 to freelance, add this to your calculation.
RSU and bonus income is often withheld at 22% flat federal rate, but your actual marginal rate may be higher. Plan for a potential tax bill.
Contributing to a Traditional 401(k) reduces your taxable income dollar-for-dollar. Max it out ($23,000 in 2024) to lower your tax bracket.
Transparent, data-driven methodology
Our no-income-tax state calculator computations apply 2024 federal income tax brackets (10%-37%), state income tax rates including no-income-tax states (AK, FL, NH, NV, SD, TN, TX, WA, WY), FICA (Social Security 6.2% + Medicare 1.45%), and available local tax data. Effective tax rates are calculated as total tax paid ÷ gross income, giving you the true percentage of your salary going to taxes. Data is sourced from the U.S. Bureau of Labor Statistics (BLS), Census Bureau American Community Survey (ACS), and verified local sources across 288 U.S. metropolitan areas. All calculations are updated for 2025.
Everything you need to know about this tool
We use 2024 federal tax brackets, state income tax rates, FICA (SS + Medicare), and local tax approximations.
Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. New Hampshire only taxes interest and dividend income (being phased out by 2027). These states save residents $3,000-$15,000+ annually depending on income level.
The U.S. uses a progressive tax system with 7 brackets (2024): 10% ($0-$11,600), 12% ($11,601-$47,150), 22% ($47,151-$100,525), 24% ($100,526-$191,950), 32% ($191,951-$243,725), 35% ($243,726-$609,350), and 37% ($609,351+). Only income within each bracket is taxed at that rate.
Your marginal rate is the percentage on your last dollar earned (your highest bracket). Your effective rate is your total taxes divided by total income — always lower than your marginal rate. On $100,000, your marginal rate is 24% but your effective federal rate is approximately 17%.
Generally, you pay taxes where you live (your state of residence). However, some states have 'convenience of the employer' rules (notably New York) that can tax remote workers based on their employer's location. Check both states' rules if you work remotely across state lines.
Property tax rates range from 0.31% (Hawaii) to 2.23% (New Jersey) of assessed home value. On a $300,000 home, that's a difference of $930/year vs. $6,690/year. Six states have no state income tax but compensate with higher property or sales taxes.
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