2026 tax year
Multi-state tax calculator
Federal tax is on your whole income; each state taxes only the slice earned there. This adds it all up.
Moved mid-year, worked remotely across state lines, or held a W-2 job in one state and 1099 work in another? Federal tax and self-employment tax are figured once on your total income. Then each state taxes the income sourced to it, and your business deductions are split across states in proportion to income. Enter your income by state and this returns the full picture.
Federal profile and total income
If a work state has a wage-reciprocity deal with your home state, those wages move home.
Income by state
Enter your income and the states where you earned it.
Worked example, $85,000 W-2 and $25,000 of 1099, split California and New York
A single filer earned $50,000 of wages and $15,000 of 1099 income in California, and $35,000 of wages and $10,000 of 1099 income in New York, $105,000 of income after $5,000 of business deductions. The tax lands like this:
| Component | Amount |
|---|---|
| Federal tax after credits (on total income) | $13,079 |
| Self-employment tax | $2,826 |
| California tax on $65,000 sourced there | $2,319 |
| New York tax on $45,000 sourced there | $2,170 |
| Total tax | $20,394 |
| Effective rate | 19.4% |
| Take-home | $84,606 |
The federal figure is computed once, on the whole $105,000, it does not change with the split. Only the state tax depends on where the income was earned, and here the two states together take $4,489.
Questions
Do I file a tax return in every state I earned money?
Generally yes, a nonresident or part-year return in each state where you had income, plus a resident return in your home state. This calculator sizes the state tax on each slice; it does not file the returns. Reciprocity and part-year rules can change which state a given dollar belongs to.
Will I be taxed twice on the same income?
Not if the income is cleanly sourced, each dollar is taxed by one state here. Double taxation arises in a different case: you live in one state and commute to work in another, so both claim the same wages. That is resolved by reciprocity or a credit for taxes paid, and the cross-border guides work it state by state.
What does the home-state reciprocity option do?
If you set a home state and a work state has a wage-reciprocity agreement with it, the wages you earned in that work state are exempt there and taxed by your home state instead, which is what reciprocity actually does. It covers wages only, so 1099 income stays sourced where it was earned.
How are my business deductions split between states?
In proportion to the income earned in each state. If 60% of your income was from California, 60% of your deductions are allocated against California income. It is an approximation, a state's own apportionment rules can differ. But it keeps deductions from being double-counted.
Does moving to a no-income-tax state mid-year cut my tax?
Only for income earned after the move and sourced to the new state. Wages you earned while a resident of the old state remain taxable there. Add each state with the income earned during your time in it to see the effect.
Related tools
- Cross-border guides live in one state, work in another
- 1099 tax calculator self-employment tax in one state
- Quarterly tax calculator estimated payments by state
Estimate for the 2026 tax year. Assumes income is cleanly sourced to each state and each state's own 2026 rules; state apportionment can differ. Not tax advice.