# state-tax-estimator

Works out an approximate state income tax bill from your income and state of residence. Useful for quarterly payments and planning.

- skill · `type=skill` · Claude Code, Codex, Cursor, GitHub Copilot, Gemini CLI, OpenCode · 366 installs · ★ 98
- Author: openaccountant
- License: MIT · policy=mirror · the beginning of the file is at the end of this page
- Source: https://github.com/openaccountant/skills/tree/HEAD/personal/state-tax-estimator/SKILL.md
- Updated: 2026-04-09
- HTML: https://affpapa.org/en/nevibecode/skills/state-tax-estimator

## What it does

The skill takes your total income for the tax year and your state of residence, subtracts the standard deduction or known adjustments, then runs the remainder through the state's brackets. You get an estimated tax figure plus a balance due or an overpayment.

A six-step workflow sits inside: it asks for your residence state and, if different, your work state, pulls gross income, applies deductions, looks up payments already made, and settles the difference. Reference tables cover states with no income tax and top marginal rates for California, New York, New Jersey, Oregon and others, with a separate section on living in one state and working in another. A manual calculation path is included for when no accounting tools are connected.

Rates, brackets and deductions shift often, so check your state Department of Revenue site before filing. City and county income taxes are handled separately. This is not tax advice.

## Install

### Claude Code (native platform)

1. **Skills CLI (Vercel)**
```bash
npx skills add openaccountant/skills --skill state-tax-estimator -a claude-code
```

2. **Manually: put the files in place**
- File: `~/.claude/skills/state-tax-estimator/SKILL.md` — Copy the whole skill folder; for one project use .claude/skills/state-tax-estimator/

### Codex

1. **Skills CLI (Vercel)**
```bash
npx skills add openaccountant/skills --skill state-tax-estimator -a codex
```

2. **Manually: put the files in place**
- File: `.agents/skills/state-tax-estimator/SKILL.md` — For all projects use ~/.agents/skills/

### Cursor

1. **Skills CLI (Vercel)**
```bash
npx skills add openaccountant/skills --skill state-tax-estimator -a cursor
```

2. **Manually: put the files in place**
- File: `.cursor/skills/state-tax-estimator/SKILL.md` — Cursor also reads .agents/skills/ and .claude/skills/

### GitHub Copilot

1. **GitHub CLI**
```bash
gh skill install openaccountant/skills state-tax-estimator
```

2. **Manually: put the files in place**
- File: `.github/skills/state-tax-estimator/SKILL.md`

### Gemini CLI

1. **Skills CLI (Vercel)**
```bash
npx skills add openaccountant/skills --skill state-tax-estimator -a gemini-cli
```

2. **Platform CLI**
```bash
gemini skills install https://github.com/openaccountant/skills --path personal/state-tax-estimator
```

### Windsurf (Devin Desktop)

**Manually: put the files in place**
- File: `.devin/skills/state-tax-estimator/SKILL.md` — The legacy .windsurf/skills/ path still works

### OpenCode

**Skills CLI (Vercel)**
```bash
npx skills add openaccountant/skills --skill state-tax-estimator -a opencode
```

### Claude.ai

**Claude.ai**
- Zip the folder and upload it in Settings → Capabilities → Skills

Where a file is given instead of a command, copy the files from the source to that path: https://github.com/openaccountant/skills/tree/HEAD/personal/state-tax-estimator/SKILL.md

## When to use it
- estimate a state tax bill before year end
- work out what is still owed on quarterly payments
- check whether income is taxed in a no-income-tax state
- handle a credit when you live and work in different states
- gather income and prior payments for a state return

## Example prompts
- estimate my state income tax for the year, I live in Oregon
- how much do I still owe in state tax after quarterly payments
- I moved from Illinois to Texas mid-year, what state taxes apply

## Source text · SKILL.md · MIT

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BEGIN THIRD-PARTY FILE 66785fb091f3f458
```text
---
name: state-tax-estimator
description: >
  Estimate state income tax liability based on income and state of residence.
---

# State Income Tax Estimator

## Overview

Estimates state income tax based on your total income and state of residence. State income tax rates vary dramatically, from 0% in states like Texas and Florida to 13.3% in California. This skill helps you approximate your state tax bill for planning and quarterly payment purposes.

## Wilson Tools Used

- `spending_summary` — Pull total income (wages, self-employment, investment) for the tax year
- `transaction_search` — Find state tax payments already made (withholding or estimated payments)
- `export_transactions` — Export income and payment data for state return preparation

## Workflow

1. Ask the user for their state of residence (and work state, if different).
2. Use `spending_summary` to determine total gross income for the tax year.
3. Apply standard deductions or known adjustments for the state.
4. Look up the state's tax brackets and calculate the estimated tax.
5. Use `transaction_search` to find state tax payments already made (look for state tax authority names, "state withholding," or similar).
6. Calculate the remaining balance or overpayment.

### States With No Income Tax

These states impose **no state income tax** on earned income:

Alaska, Florida, Nevada, New Hampshire (interest/dividends only, fully repealed as of 2025), South Dakota, Tennessee, Texas, Washington, Wyoming.

**Note:** Washington imposes a 7% capital gains tax on gains exceeding $270,000. New Hampshire historically taxed interest and dividends but phased this out entirely by 2025.

### Representative State Tax Rates (2025, approximate)

| State | Top Marginal Rate | Structure | Notes |
|-------|-------------------|-----------|-------|
| California | 13.3% | Progressive (10 brackets) | Highest in the nation; 1% mental health surcharge above $1M |
| New York | 10.9% | Progressive (9 brackets) | NYC adds 3.078-3.876% |
| New Jersey | 10.75% | Progressive | Kicks in above $1M |
| Oregon | 9.9% | Progressive (4 brackets) | No sales tax offsets higher income tax |
| Minnesota | 9.85% | Progressive (4 brackets) | |
| Massachusetts | 5% flat + 4% surtax | Flat + surtax | 4% surtax on income above $1M (effective 2023) |
| Illinois | 4.95% | Flat rate | |
| Colorado | 4.4% | Flat rate | Reduced from 4.55% in 2024 |
| Arizona | 2.5% | Flat rate | Reduced to flat rate in 2023 |
| North Carolina | 4.5% | Flat rate | Phasing down to 3.99% by 2026 |
| Pennsylvania | 3.07% | Flat rate | One of the lowest flat rates |

### Multi-State Considerations
```
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