State Tax Estimate Calculator

2026 · OBBBA SALT cap $40,400 MFJ · Reciprocity rules · All 50 states · Live vs work state

Income & Filing
Adjusted gross income (AGI)
$
After federal above-the-line deductions
Filing status
State Situation
State you LIVE in
State you WORK in
Federal SALT Deduction (2026 OBBBA)
The OBBBA raised the SALT cap to $20,200 (single) / $40,400 (MFJ) for 2026–2029.
Property taxes paid
$
Real estate taxes on your home
State & local income taxes paid
$
From W-2 box 17 or estimated payments
Mortgage interest
$
For itemized deduction comparison
Charitable contributions
$
State Tax Summary
Illinois (residence)$4,950
Total state tax owed$4,950
Effective state rate: 4.95%
2026 SALT Deduction (Federal)
Property + state taxes$11,000
2026 SALT cap (Single)$20,200
SALT deduction applied$11,000
Standard vs Itemized (Federal)
Standard
$16,100
Itemized ✅
$25,000
You should itemize — saves $8,900 over standard