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Financial concepts explained in plain English, with links to calculators and official sources.

Alabama Capital Gains Tax

Alabama taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Alabama Estimated Quarterly Tax

Alabama requires estimated quarterly tax payments if you expect to owe more than $500 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Alabama Income Tax

Alabama does not levy a state income tax on earned income. Residents pay only federal income tax.

Applies to: 2025, 2026

Alabama Unemployment Benefits

Alabama provides up to $275/week in unemployment benefits for 14–20 weeks. Benefits are calculated using 1/26 of the average of wages in the two highest-paid quarters of the base period.

Applies to: 2026

Alaska Capital Gains Tax

Alaska has no state capital gains tax. Residents pay only federal capital gains tax.

Applies to: 2026

Alaska Estimated Quarterly Tax

Alaska does not impose a state income tax, so no state estimated quarterly tax payments are required. Self-employed residents still must make federal estimated tax payments if they expect to owe $1,000 or more.

Applies to: 2026

Alaska Income Tax

Alaska does not levy a state income tax on earned income. Residents pay only federal income tax.

Applies to: 2025, 2026

Alaska Unemployment Benefits

Alaska provides up to $470/week in unemployment benefits for 16–26 weeks. Benefits are calculated using statutory table based on base period wages.

Applies to: 2026

Arizona Capital Gains Tax

Arizona taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

Arizona Estimated Quarterly Tax

Arizona requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Arizona Income Tax

Arizona uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Arizona Unemployment Benefits

Arizona provides up to $320/week in unemployment benefits for 24–26 weeks. Benefits are calculated using 4% of highest quarter wages in base period.

Applies to: 2026

Arkansas Capital Gains Tax

Arkansas taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Arkansas Estimated Quarterly Tax

Arkansas requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Arkansas Income Tax

Arkansas uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Arkansas Unemployment Benefits

Arkansas provides up to $451/week in unemployment benefits for 12 weeks. Benefits are calculated using 1/26 of average quarterly wages in base period (total base period wages / 104).

Applies to: 2026

Business Valuation for Digital Businesses

A small digital business is typically worth its Seller's Discretionary Earnings (SDE) multiplied by an industry-specific multiple. In 2026, multiples range from 1.5x for consulting firms to 6.0x for SaaS businesses, depending on business type, growth, recurring revenue, and owner dependency.

Applies to: 2026

California Capital Gains Tax

California taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

California Estimated Quarterly Tax

California requires estimated quarterly tax payments if you expect to owe more than $500 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

California Income Tax

California has a progressive income tax with 9 brackets ranging from 1% to 12.3%, plus a 1% Behavioral Health Services Tax on income over $1 million, bringing the top rate to 13.3% — the highest in the nation. Most Californians pay an effective rate between 4% and 7%.

Applies to: 2025, 2026

California Unemployment Benefits

California provides up to $450/week in unemployment benefits for 26 weeks. Benefits are calculated using highest quarter wages / 26.

Applies to: 2026

Colorado Capital Gains Tax

Colorado taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

Colorado Estimated Quarterly Tax

Colorado requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 70% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Colorado Income Tax

Colorado uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Colorado Unemployment Benefits

Colorado provides up to $844/week in unemployment benefits for 26 weeks. Benefits are calculated using higher of: highest 2 consecutive quarters / 26 × 0.60, or total base period wages / 52 / 2.

Applies to: 2026

Connecticut Capital Gains Tax

Connecticut taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Connecticut Estimated Quarterly Tax

Connecticut requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Connecticut Income Tax

Connecticut uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Connecticut Unemployment Benefits

Connecticut provides up to $721/week in unemployment benefits for 26 weeks. Benefits are calculated using average of two highest quarters / 26.

Applies to: 2026

Contractor vs Employee Compensation

Contractors typically need to charge 40-70% more per hour than the equivalent employee hourly rate to achieve comparable take-home pay, because they cover self-employment tax (15.3%), health insurance, retirement, PTO, and business expenses themselves.

Applies to: 2025, 2026

Delaware Capital Gains Tax

Delaware taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Delaware Estimated Quarterly Tax

Delaware requires estimated quarterly tax payments if you expect to owe more than $800 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Delaware Income Tax

Delaware uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Delaware Unemployment Benefits

Delaware provides up to $450/week in unemployment benefits for 26 weeks. Benefits are calculated using 1/46 of total wages in the two highest-paid quarters of base period.

Applies to: 2026

Employee Salary Equivalent

An employee salary that matches your contractor income is typically 25-40% lower than your contractor gross, because the employer covers half of FICA taxes, provides benefits, and gives paid time off that you currently fund yourself.

Applies to: 2025, 2026

Florida Capital Gains Tax

Florida has no state capital gains tax. Residents pay only federal capital gains tax.

Applies to: 2026

Florida Estimated Quarterly Tax

Florida does not impose a state income tax, so no state estimated quarterly tax payments are required. Self-employed residents still must make federal estimated tax payments if they expect to owe $1,000 or more.

Applies to: 2026

Florida Income Tax

Florida does not levy a state income tax on earned income. Residents pay only federal income tax.

Applies to: 2025, 2026

Florida Unemployment Benefits

Florida provides up to $275/week in unemployment benefits for 12–23 weeks. Benefits are calculated using highest quarter wages / 26.

Applies to: 2026

Georgia Capital Gains Tax

Georgia taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

Georgia Estimated Quarterly Tax

Georgia requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 70% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Georgia Income Tax

Georgia uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Georgia Unemployment Benefits

Georgia provides up to $365/week in unemployment benefits for 14–26 weeks. Benefits are calculated using two highest quarters of base period wages / 42.

Applies to: 2026

Hawaii Capital Gains Tax

Hawaii offers a preferential rate on long-term capital gains, lower than ordinary income rates.

Applies to: 2026

Hawaii Estimated Quarterly Tax

Hawaii requires estimated quarterly tax payments if you expect to owe more than $500 in state tax. The safe harbor is paying 60% of your current year tax liability or 100% of your prior year tax. Payments are due on 2026-04-20, 2026-06-20, 2026-09-20, and 2027-01-20.

Applies to: 2026

Hawaii Income Tax

Hawaii uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Hawaii Unemployment Benefits

Hawaii provides up to $868/week in unemployment benefits for 26 weeks. Benefits are calculated using high-quarter wages / 21.

Applies to: 2026

Health Insurance Cost Estimation

Health insurance costs most Americans between $200 and $1,800 per month depending on age, location, income, and coverage type. The Affordable Care Act (ACA) marketplace provides subsidies (premium tax credits) that reduce costs for people earning between 100% and 400% of the Federal Poverty Level (FPL). For 2026, the subsidy formula is: Premium Tax Credit = Second Lowest Cost Silver Plan premium minus (your income times your applicable percentage, which ranges from 2.1% to 9.96%). Employer-provided coverage averages $9,325/year for single plans, with employers paying roughly 79% of the cost.

Applies to: 2026

Idaho Capital Gains Tax

Idaho taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

Idaho Estimated Quarterly Tax

Idaho does not impose a state income tax, so no state estimated quarterly tax payments are required. Self-employed residents still must make federal estimated tax payments if they expect to owe $1,000 or more.

Applies to: 2026

Idaho Income Tax

Idaho uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Idaho Unemployment Benefits

Idaho provides up to $624/week in unemployment benefits for 10–26 weeks. Benefits are calculated using 1/26 of highest quarter wages in base period.

Applies to: 2026

Illinois Capital Gains Tax

Illinois taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

Illinois Estimated Quarterly Tax

Illinois requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Illinois Income Tax

Illinois uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Illinois Unemployment Benefits

Illinois provides up to $628/week in unemployment benefits for 26 weeks. Benefits are calculated using (two highest quarter wages × 47%) / 26.

Applies to: 2026

Income Tax Brackets

The U.S. federal income tax uses seven progressive brackets with rates from 10% to 37%. Each bracket rate only applies to the income within that range — not to your entire income.

Applies to: 2025, 2026

Indiana Capital Gains Tax

Indiana taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

Indiana Estimated Quarterly Tax

Indiana requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Indiana Income Tax

Indiana uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Indiana Unemployment Benefits

Indiana provides up to $390/week in unemployment benefits for 8–26 weeks. Benefits are calculated using total base-period wages / 52 × 0.47.

Applies to: 2026

Iowa Capital Gains Tax

Iowa taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

Iowa Estimated Quarterly Tax

Iowa requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on 2026-04-30, 2026-06-30, 2026-09-30, and 2027-01-31.

Applies to: 2026

Iowa Income Tax

Iowa uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Iowa Unemployment Benefits

Iowa provides up to $790/week in unemployment benefits for 16 weeks. Benefits are calculated using highest quarter wages divided by 23 (0 dependents) to 19 (4+ dependents).

Applies to: 2026

Kansas Capital Gains Tax

Kansas taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Kansas Estimated Quarterly Tax

Kansas requires estimated quarterly tax payments if you expect to owe more than $500 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Kansas Income Tax

Kansas uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Kansas Unemployment Benefits

Kansas provides up to $663/week in unemployment benefits for 16–26 weeks. Benefits are calculated using 4.25% of highest quarter wages in base period.

Applies to: 2026

Kentucky Capital Gains Tax

Kentucky taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

Kentucky Estimated Quarterly Tax

Kentucky requires estimated quarterly tax payments if you expect to owe more than $500 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Kentucky Income Tax

Kentucky uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Kentucky Unemployment Benefits

Kentucky provides up to $746/week in unemployment benefits for 16–24 weeks. Benefits are calculated using 1.1923% of total base period wages.

Applies to: 2026

Louisiana Capital Gains Tax

Louisiana taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

Louisiana Estimated Quarterly Tax

Louisiana requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 70% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Louisiana Income Tax

Louisiana uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Louisiana Unemployment Benefits

Louisiana provides up to $282/week in unemployment benefits for 12–20 weeks. Benefits are calculated using 1/25 of average quarterly wages (total base period wages / 4 / 25).

Applies to: 2026

Maine Capital Gains Tax

Maine taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Maine Estimated Quarterly Tax

Maine requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Maine Income Tax

Maine uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Maine Unemployment Benefits

Maine provides up to $649/week in unemployment benefits for 1–26 weeks. Benefits are calculated using average of 2 highest quarter wages / 22.

Applies to: 2026

Maryland Capital Gains Tax

Maryland taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Maryland Estimated Quarterly Tax

Maryland requires estimated quarterly tax payments if you expect to owe more than $500 in state tax. The safe harbor is paying 90% of your current year tax liability or 110% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Maryland Income Tax

Maryland uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Maryland Unemployment Benefits

Maryland provides up to $430/week in unemployment benefits for 26 weeks. Benefits are calculated using high-quarter wages / 24 (benefit schedule).

Applies to: 2026

Massachusetts Capital Gains Tax

Massachusetts taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

Massachusetts Estimated Quarterly Tax

Massachusetts requires estimated quarterly tax payments if you expect to owe more than $400 in state tax. The safe harbor is paying 80% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Massachusetts Income Tax

Massachusetts uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Massachusetts Unemployment Benefits

Massachusetts provides up to $1,105/week in unemployment benefits for 10–30 weeks. Benefits are calculated using 50% of average weekly wage (sum of two highest quarters / 26).

Applies to: 2026

Michigan Capital Gains Tax

Michigan taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

Michigan Estimated Quarterly Tax

Michigan requires estimated quarterly tax payments if you expect to owe more than $500 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Michigan Income Tax

Michigan uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Michigan Unemployment Benefits

Michigan provides up to $530/week in unemployment benefits for 14–26 weeks. Benefits are calculated using 4.1% of highest quarter wages in base period.

Applies to: 2026

Minnesota Capital Gains Tax

Minnesota taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Minnesota Estimated Quarterly Tax

Minnesota requires estimated quarterly tax payments if you expect to owe more than $500 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Minnesota Income Tax

Minnesota uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Minnesota Unemployment Benefits

Minnesota provides up to $948/week in unemployment benefits for 1–26 weeks. Benefits are calculated using higher of: total base period wages / 52, or highest quarter wages / high-quarter divisor.

Applies to: 2026

Mississippi Capital Gains Tax

Mississippi taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

Mississippi Estimated Quarterly Tax

Mississippi requires estimated quarterly tax payments if you expect to owe more than $200 in state tax. The safe harbor is paying 80% of your current year tax liability. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Mississippi Income Tax

Mississippi uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Mississippi Unemployment Benefits

Mississippi provides up to $235/week in unemployment benefits for 1–26 weeks. Benefits are calculated using highest quarter wages / 26.

Applies to: 2026

Missouri Capital Gains Tax

Missouri has no state capital gains tax. Residents pay only federal capital gains tax.

Applies to: 2026

Missouri Estimated Quarterly Tax

Missouri requires estimated quarterly tax payments if you expect to owe more than $100 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Missouri Income Tax

Missouri uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Missouri Unemployment Benefits

Missouri provides up to $320/week in unemployment benefits for 20 weeks. Benefits are calculated using 4% of the average of the two highest quarterly wages in base period.

Applies to: 2026

Montana Capital Gains Tax

Montana offers a preferential rate on long-term capital gains, lower than ordinary income rates.

Applies to: 2026

Montana Estimated Quarterly Tax

Montana requires estimated quarterly tax payments if you expect to owe more than $500 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Montana Income Tax

Montana uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Montana Unemployment Benefits

Montana provides up to $698/week in unemployment benefits for 8–28 weeks. Benefits are calculated using lower of: 1% of total base period wages or 1.9% of wages in two highest quarters.

Applies to: 2026

Nebraska Capital Gains Tax

Nebraska taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Nebraska Estimated Quarterly Tax

Nebraska requires estimated quarterly tax payments if you expect to owe more than $500 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Nebraska Income Tax

Nebraska uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Nebraska Unemployment Benefits

Nebraska provides up to $582/week in unemployment benefits for 26 weeks. Benefits are calculated using high-quarter wages / 13 / 2 (50% of average weekly wage from highest quarter).

Applies to: 2026

Nevada Capital Gains Tax

Nevada has no state capital gains tax. Residents pay only federal capital gains tax.

Applies to: 2026

Nevada Estimated Quarterly Tax

Nevada does not impose a state income tax, so no state estimated quarterly tax payments are required. Self-employed residents still must make federal estimated tax payments if they expect to owe $1,000 or more.

Applies to: 2026

Nevada Income Tax

Nevada does not levy a state income tax on earned income. Residents pay only federal income tax.

Applies to: 2025, 2026

Nevada Unemployment Benefits

Nevada provides up to $631/week in unemployment benefits for 26 weeks. Benefits are calculated using 1/25 of highest-quarter wages in base period.

Applies to: 2026

New Hampshire Capital Gains Tax

New Hampshire has no state capital gains tax. Residents pay only federal capital gains tax.

Applies to: 2026

New Hampshire Estimated Quarterly Tax

New Hampshire does not impose a state income tax, so no state estimated quarterly tax payments are required. Self-employed residents still must make federal estimated tax payments if they expect to owe $1,000 or more.

Applies to: 2026

New Hampshire Income Tax

New Hampshire does not levy a state income tax on earned income. Residents pay only federal income tax.

Applies to: 2025, 2026

New Hampshire Unemployment Benefits

New Hampshire provides up to $427/week in unemployment benefits for 26 weeks. Benefits are calculated using statutory table based on total annual base-period earnings.

Applies to: 2026

New Jersey Capital Gains Tax

New Jersey taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

New Jersey Estimated Quarterly Tax

New Jersey requires estimated quarterly tax payments if you expect to owe more than $400 in state tax. The safe harbor is paying 80% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

New Jersey Income Tax

New Jersey uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

New Jersey Unemployment Benefits

New Jersey provides up to $905/week in unemployment benefits for 1–26 weeks. Benefits are calculated using 60% of average weekly wage during base year.

Applies to: 2026

New Mexico Capital Gains Tax

New Mexico taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

New Mexico Estimated Quarterly Tax

New Mexico requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

New Mexico Income Tax

New Mexico uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

New Mexico Unemployment Benefits

New Mexico provides up to $624/week in unemployment benefits for 26 weeks. Benefits are calculated using 53.5% of average weekly wage in highest quarter of base period.

Applies to: 2026

New York Capital Gains Tax

New York taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

New York Estimated Quarterly Tax

New York requires estimated quarterly tax payments if you expect to owe more than $300 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

New York Income Tax

New York uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

New York Unemployment Benefits

New York provides up to $869/week in unemployment benefits for 26 weeks. Benefits are calculated using high-quarter wages / 26.

Applies to: 2026

North Carolina Capital Gains Tax

North Carolina taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

North Carolina Estimated Quarterly Tax

North Carolina requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

North Carolina Income Tax

North Carolina uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

North Carolina Unemployment Benefits

North Carolina provides up to $350/week in unemployment benefits for 12–20 weeks. Benefits are calculated using last two quarters of base period wages / 52.

Applies to: 2026

North Dakota Capital Gains Tax

North Dakota offers a preferential rate on long-term capital gains, lower than ordinary income rates.

Applies to: 2026

North Dakota Estimated Quarterly Tax

North Dakota requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

North Dakota Income Tax

North Dakota uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

North Dakota Unemployment Benefits

North Dakota provides up to $815/week in unemployment benefits for 12–26 weeks. Benefits are calculated using highest 2.5 quarters of base period wages / 65.

Applies to: 2026

Ohio Capital Gains Tax

Ohio taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Ohio Estimated Quarterly Tax

Ohio requires estimated quarterly tax payments if you expect to owe more than $500 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Ohio Income Tax

Ohio uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Ohio Unemployment Benefits

Ohio provides up to $842/week in unemployment benefits for 20–26 weeks. Benefits are calculated using 50% of average weekly wage.

Applies to: 2026

Oklahoma Capital Gains Tax

Oklahoma taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Oklahoma Estimated Quarterly Tax

Oklahoma requires estimated quarterly tax payments if you expect to owe more than $500 in state tax. The safe harbor is paying 70% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Oklahoma Income Tax

Oklahoma uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Oklahoma Unemployment Benefits

Oklahoma provides up to $649/week in unemployment benefits for 16–20 weeks. Benefits are calculated using highest quarter wages / 23.

Applies to: 2026

Oregon Capital Gains Tax

Oregon taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Oregon Estimated Quarterly Tax

Oregon requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Oregon Income Tax

Oregon uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Oregon Unemployment Benefits

Oregon provides up to $872/week in unemployment benefits for 26 weeks. Benefits are calculated using 1.25% of total base year wages.

Applies to: 2026

Pennsylvania Capital Gains Tax

Pennsylvania taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

Pennsylvania Estimated Quarterly Tax

Pennsylvania requires estimated quarterly tax payments if you expect to owe more than $14,000 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Pennsylvania Income Tax

Pennsylvania uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Pennsylvania Unemployment Benefits

Pennsylvania provides up to $605/week in unemployment benefits for 18–26 weeks. Benefits are calculated using approximately 50% of average weekly wage based on highest quarter earnings.

Applies to: 2026

Pension Benefit Estimation

A defined benefit pension pays a guaranteed monthly income for life, calculated as: Years of Service × Final Average Salary × Benefit Multiplier. A typical 2% multiplier over 30 years replaces 60% of your final salary. Only 14% of private sector workers still have access to a pension (2025), but 86% of public sector workers do.

Applies to: 2026

Rhode Island Capital Gains Tax

Rhode Island taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Rhode Island Estimated Quarterly Tax

Rhode Island requires estimated quarterly tax payments if you expect to owe more than $250 in state tax. The safe harbor is paying 80% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Rhode Island Income Tax

Rhode Island uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Rhode Island Unemployment Benefits

Rhode Island provides up to $777/week in unemployment benefits for 1–26 weeks. Benefits are calculated using 3.85% of the average of wages in the two highest quarters of the base period.

Applies to: 2026

South Carolina Capital Gains Tax

South Carolina taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

South Carolina Estimated Quarterly Tax

South Carolina requires estimated quarterly tax payments if you expect to owe more than $100 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

South Carolina Income Tax

South Carolina uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

South Carolina Unemployment Benefits

South Carolina provides up to $350/week in unemployment benefits for 20 weeks. Benefits are calculated using 50% of average weekly wage during base period.

Applies to: 2026

South Dakota Capital Gains Tax

South Dakota has no state capital gains tax. Residents pay only federal capital gains tax.

Applies to: 2026

South Dakota Estimated Quarterly Tax

South Dakota does not impose a state income tax, so no state estimated quarterly tax payments are required. Self-employed residents still must make federal estimated tax payments if they expect to owe $1,000 or more.

Applies to: 2026

South Dakota Income Tax

South Dakota does not levy a state income tax on earned income. Residents pay only federal income tax.

Applies to: 2025, 2026

South Dakota Unemployment Benefits

South Dakota provides up to $575/week in unemployment benefits for 26 weeks. Benefits are calculated using 1/26 of highest quarter wages in base period.

Applies to: 2026

Tennessee Capital Gains Tax

Tennessee has no state capital gains tax. Residents pay only federal capital gains tax.

Applies to: 2026

Tennessee Estimated Quarterly Tax

Tennessee does not impose a state income tax, so no state estimated quarterly tax payments are required. Self-employed residents still must make federal estimated tax payments if they expect to owe $1,000 or more.

Applies to: 2026

Tennessee Income Tax

Tennessee does not levy a state income tax on earned income. Residents pay only federal income tax.

Applies to: 2025, 2026

Tennessee Unemployment Benefits

Tennessee provides up to $325/week in unemployment benefits for 12–20 weeks. Benefits are calculated using statutory benefit table based on average of two highest-earning quarters (~1/26).

Applies to: 2026

Texas Capital Gains Tax

Texas has no state capital gains tax. Residents pay only federal capital gains tax.

Applies to: 2026

Texas Estimated Quarterly Tax

Texas does not impose a state income tax, so no state estimated quarterly tax payments are required. Self-employed residents still must make federal estimated tax payments if they expect to owe $1,000 or more.

Applies to: 2026

Texas Income Tax

Texas does not levy a state income tax on earned income. Residents pay only federal income tax.

Applies to: 2025, 2026

Texas Unemployment Benefits

Texas provides up to $605/week in unemployment benefits for 26 weeks. Benefits are calculated using highest quarter wages / 25.

Applies to: 2026

Utah Capital Gains Tax

Utah taxes capital gains as ordinary income using its flat rate.

Applies to: 2026

Utah Estimated Quarterly Tax

Utah requires estimated quarterly tax payments if you have any state tax liability not covered by withholding. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Utah Income Tax

Utah uses a flat income tax rate applied to all taxable income. Combined with federal tax, this determines your total income tax burden.

Applies to: 2025, 2026

Utah Unemployment Benefits

Utah provides up to $801/week in unemployment benefits for 10–26 weeks. Benefits are calculated using highest quarter wages / 26.

Applies to: 2026

Vermont Capital Gains Tax

Vermont taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Vermont Estimated Quarterly Tax

Vermont requires estimated quarterly tax payments if you expect to owe more than $500 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

Vermont Income Tax

Vermont uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Vermont Unemployment Benefits

Vermont provides up to $705/week in unemployment benefits for 26 weeks. Benefits are calculated using two highest quarter wages / 45.

Applies to: 2026

Virginia Capital Gains Tax

Virginia taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Virginia Estimated Quarterly Tax

Virginia requires estimated quarterly tax payments if you expect to owe more than $1,000 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on 2026-05-01, 2026-06-15, 2026-09-15, and 2027-01-15.

Applies to: 2026

Virginia Income Tax

Virginia uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

Virginia Unemployment Benefits

Virginia provides up to $430/week in unemployment benefits for 12–26 weeks. Benefits are calculated using statutory benefit table based on total wages in two highest quarters of base period.

Applies to: 2026

Washington Capital Gains Tax

Washington imposes a capital gains excise tax on long-term gains above a threshold. This is not an income tax.

Applies to: 2026

Washington Estimated Quarterly Tax

Washington does not impose a state income tax, so no state estimated quarterly tax payments are required. Self-employed residents still must make federal estimated tax payments if they expect to owe $1,000 or more.

Applies to: 2026

Washington Income Tax

Washington does not levy a state income tax on earned income. Residents pay only federal income tax.

Applies to: 2025, 2026

Washington Unemployment Benefits

Washington provides up to $1,208/week in unemployment benefits for 26 weeks. Benefits are calculated using average of 2 highest quarter wages × 0.0385, subject to min/max.

Applies to: 2026

West Virginia Capital Gains Tax

West Virginia taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

West Virginia Estimated Quarterly Tax

West Virginia requires estimated quarterly tax payments if you expect to owe more than $600 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

West Virginia Income Tax

West Virginia uses progressive income tax brackets. Each rate applies only to income within that range, similar to the federal system.

Applies to: 2025, 2026

West Virginia Unemployment Benefits

West Virginia provides up to $662/week in unemployment benefits for 26 weeks. Benefits are calculated using statutory wage-class table based on base period wages (~55% of average weekly wage).

Applies to: 2026

Wisconsin Capital Gains Tax

Wisconsin taxes capital gains as ordinary income using its progressive brackets.

Applies to: 2026

Wisconsin Estimated Quarterly Tax

Wisconsin requires estimated quarterly tax payments if you expect to owe more than $500 in state tax. The safe harbor is paying 90% of your current year tax liability or 100% of your prior year tax. Payments are due on the same dates as federal (April 15, June 15, September 15, January 15).

Applies to: 2026

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