What's actually left, at every income.

One state, every salary from zero up. The solid line is take-home pay after federal income tax, Social Security, Medicare, and the state's own income tax. The diagonal it climbs toward is gross pay, the line you'd follow if nothing were withheld, so the shaded band between the two is the whole tax wedge, widening as income rises.

The dashed line is the effective rate, read on the right axis. It rises with income but always trails your top bracket, because a progressive system taxes only the income that falls inside each bracket, not your whole salary at the highest rate. The marker sits at the salary you enter, and the stat row breaks out the effective rate against the marginal rate, which is what the very next $1,000 would be taxed at.

Every point is the same calculation the main calculator runs, repeated across the range. It is a planning estimate, not exact withholding. See how every number is verified.