About
Why I built this
Florida's tax stack — no state income tax, no state estate or inheritance tax, favorable retirement-income treatment, and a homestead exemption that protects the primary residence — is one of the most-asked-about combinations in personal finance. It drives more state-to-state migration than any single tax decision in the United States.
Despite that, most Florida tax calculators on the internet either gloss over the math, trap the answer behind a sign-up form, or quietly assume California-style state withholding because the underlying engine wasn't built for a no-state-tax state. I wanted a clean version: real federal brackets, real FICA, real Additional Medicare handling at the right thresholds, and an honest zero on every state-tax line.
I'm not in Florida. I built this as someone who cares about the math being honest, not about getting the local color right. Local detail in the city pages — neighborhood lists, healthcare anchors, what relocators most often regret — is editorial research, not lived experience. I flag that openly so you can weigh it accordingly.
How the math works
All calculators use 2026-projected federal ordinary-income brackets indexed forward from the 2025 IRS values, plus the 2026 Social Security wage base, the 1.45% Medicare rate on all wages, and the 0.9% Additional Medicare surtax above $200,000 single / $250,000 MFJ / $125,000 MFS. State income tax is fixed at zero for Florida. The full assumption stack and a dated change log live on the Methodology page.
Calculator inputs run entirely in your browser. I don't store, log, or transmit your salary or filing status. There is no signup, no email collection, and no paywall.
What this site doesn't do
- Provide tax advice. The site produces planning estimates. For specific situations — equity compensation, multi-state work, residency audits, estate planning above the federal exemption — talk to a CPA or tax attorney.
- Pretend to be local. I don't live in Florida, don't have a Florida CPA on staff, and won't invent one. There are no "Sarah Chen, CPA" reviewers attached to my pages. That kind of credential-laundering breaks YMYL trust signals and, more importantly, isn't honest.
- Sell tax-prep software, refund-anticipation loans, or relocation services. The site is editorial. If I add advertising, it will be disclosed and limited to non-intrusive ad units.
- Update on a daily news cycle. I update calculator constants when the IRS publishes authoritative revisions, and I update editorial pages when the underlying facts change. Refresh dates appear on each guide.
How this site makes money
Today: nothing. The site is free, runs as static HTML on Netlify, and has no monetization on it. If that changes — modest display advertising, an affiliate relationship with a tax-prep tool — I'll disclose it on this page first. I'm not interested in newsletter list-building, lead-gen, or anything that turns your tax inputs into someone else's pipeline.
Errors and corrections
If a number looks wrong, it probably is. I'd rather hear about it than not. The fastest way to flag a calculator bug or a factual error in editorial copy is the contact form linked in the footer. Material corrections are logged in the Methodology change log with a date and a one-line note on what changed.
What's next
The current build covers paycheck, salary, hourly, bonus, and 1099 calculators, nine major Florida cities, and 30+ scenario guides. The near-term backlog: more salary scenarios at the high end (including MFJ variants), city expansion into Cape Coral, Lakeland, and the Keys, and a deeper retirement series covering Roth conversion ladders and Florida estate-planning specifics.
If there's a specific Florida tax question you wish someone had answered honestly, that's the kind of thing I want to know.