TaxTorcher.html

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<HEAD>
<TITLE>Special K's Tax Torcher</TITLE>
<!-- by Jeff Keasler, Livermore CA -->

<STYLE>
input[type=text] {
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}
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<SCRIPT>

// 2025 Federal Tax Info

var fedTax = {
   single : {
      scredthresh : 23750.,
      stdDeduction : 15000.,
      taxTable : [
         [  11925., 0.10 ],
         [  48475., 0.12 ],
         [ 103350., 0.22 ],
         [ 197300., 0.24 ],
         [ 250525., 0.32 ],
         [ 626350., 0.35 ],
         [   1.e12, 0.37 ]
      ],
      capGain : [
         [  48350., 0.00 ],
         [ 533400., 0.15 ],
         [   1.e12, 0.20 ]
      ]
   },
   headHousehold : {
      scredthresh : 35625.,
      stdDeduction : 22500.,
      taxTable : [
         [  17000., 0.10 ],
         [  64850., 0.12 ],
         [ 103350., 0.22 ],
         [ 197300., 0.24 ],
         [ 250500., 0.32 ],
         [ 626350., 0.35 ],
         [   1.e12, 0.37 ]
      ],
      capGain : [
         [  64750., 0.00 ],
         [ 566700., 0.15 ],
         [   1.e12, 0.20 ]
      ]
   },
   marriedSeparate : {
      scredthresh : 23750.,
      stdDeduction : 15000.,
      taxTable : [
         [  11925., 0.10 ],
         [  48475., 0.12 ],
         [ 103350., 0.22 ],
         [ 197300., 0.24 ],
         [ 250525., 0.32 ],
         [ 375800., 0.35 ],
         [   1.e12, 0.37 ]
      ],
      capGain : [
         [  48350., 0.00 ],
         [ 300000., 0.15 ],
         [   1.e12, 0.20 ]
      ]
   },
   marriedJoint : {
      scredthresh : 47500.,
      stdDeduction : 30000.,
      taxTable : [
         [  23850., 0.10 ],
         [  96950., 0.12 ],
         [ 206700., 0.22 ],
         [ 394600., 0.24 ],
         [ 501050., 0.32 ],
         [ 751600., 0.35 ],
         [   1.e12, 0.37 ]
      ],
      capGain : [
         [  96700., 0.00 ],
         [ 600050., 0.15 ],
         [   1.e12, 0.20 ]
      ]
   }
};

// s = single, m = married joint. t = tax table
// d = deduction, e = exemption, dep = dependent exemption

var stateTax = {
   AL : {
      s : {
         d   :  3000.,
         e   : -1500.,
         dep : -1000.,
         t : [
            [  500., 0.02 ],
            [ 3000., 0.04 ],
            [ 1.e12, 0.05 ]
         ]
      },
      m : {
         d   :  8500.,
         e   : -3000.,
         dep : -1000.,
         t : [
            [ 1000., 0.02 ],
            [ 6000., 0.04 ],
            [ 1.e12, 0.05 ]
         ]
      }
   },
   AK : {
      s : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      },
      m : {
         d   : 0.,
         e   : 0.,
         dep : 100.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      }
   },
   AZ : {
      s : {
         d   : 15000.,
         e   : 0.,
         dep : -100.,
         t : [
            [ 1.e12, 0.0250 ],
         ]
      },
      m : {
         d   : 30000.,
         e   : 0.,
         dep : -100.,
         t : [
            [ 1.e12, 0.0250 ]
         ]
      }
   },
   AR : {
      s : {
         d   : 2410.,
         e   :   29.,
         dep :   29.,
         t : [
            [  4400., 0.020 ],
            [  8800., 0.040 ],
            [  1.e12, 0.044 ]
         ]
      },
      m : {
         d   : 4820.,
         e   :   58.,
         dep :   29.,
         t : [
            [  4400., 0.020 ],
            [  8800., 0.040 ],
            [  1.e12, 0.044 ]
         ]
      }
   },
   CA : {
      s : {
         d   : 5540.,
         e   :  149.,
         dep :  461.,
         t : [
            [  10756., 0.01  ],
            [  25499., 0.02  ],
            [  40245., 0.04  ],
            [  55866., 0.06  ],
            [  70606., 0.08  ],
            [ 360659., 0.093 ],
            [ 432787., 0.103 ],
            [ 721314., 0.113 ],
            [1000000., 0.123 ]
            [   1.e12, 0.133 ]
         ]
      },
      m : {
         d   : 11080.,
         e   :   298.,
         dep :   461.,
         t : [
            [   21512., 0.01  ],
            [   50998., 0.02  ],
            [   80490., 0.04  ],
            [  111732., 0.06  ],
            [  141732., 0.08  ],
            [  721318., 0.093 ],
            [  865574., 0.103 ],
            [ 1000000., 0.113 ],
            [ 1442628., 0.123 ],
            [    1.e12, 0.133 ]
         ]
      }
   },
   CO : {
      taxSS : true,
      s : {
         d   : 15000.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.044 ]
         ]
      },
      m : {
         d   : 30000.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.044 ]
         ]
      }
   },
/*
   CT : {
      taxSS : true,
      s : {
         d   :     0.,
         e   : 15000.,
         dep :     0.,
         t : [
            [  10000., 0.03   ],
            [  50000., 0.05   ],
            [ 100000., 0.055  ],
            [ 200000., 0.06   ],
            [ 250000., 0.065  ],
            [ 500000., 0.069  ],
            [   1.e12, 0.0699 ]
         ]
      },
      m : {
         d   :     0.,
         e   : 24000.,
         dep :     0.,
         t : [
            [   20000., 0.03   ],
            [  100000., 0.05   ],
            [  200000., 0.055  ],
            [  400000., 0.06   ],
            [  500000., 0.065  ],
            [ 1000000., 0.069  ],
            [    1.e12, 0.0699 ]
         ]
      }
   },
*/
   DE : {
      s : {
         d   : 3250.,
         e   :  110.,
         dep :  110.,
         t : [
            [  2000., 0.0    ],
            [  5000., 0.022  ],
            [ 10000., 0.039  ],
            [ 20000., 0.048  ],
            [ 25000., 0.052  ],
            [ 60000., 0.0555 ],
            [  1.e12, 0.066  ]
         ]
      },
      m : {
         d   : 6500.,
         e   :  220.,
         dep :  110.,
         t : [
            [  2000., 0.0    ],
            [  5000., 0.022  ],
            [ 10000., 0.039  ],
            [ 20000., 0.048  ],
            [ 25000., 0.052  ],
            [ 60000., 0.0555 ],
            [  1.e12, 0.066  ]
         ]
      }
   },
   DC : {
      s : {
         d   : 15000.,
         e   :     0.,
         dep :     0.,
         t : [
            [   10000., 0.04   ],
            [   40000., 0.06   ],
            [   60000., 0.065  ],
            [  250000., 0.085  ],
            [  500000., 0.0925 ],
            [ 1000000., 0.0975 ],
            [    1.e12, 0.1075 ]
         ]
      },
      m : {
         d   : 30000.,
         e   :     0.,
         dep :     0.,
         t : [
            [   10000., 0.04   ],
            [   40000., 0.06   ],
            [   60000., 0.065  ],
            [  250000., 0.085  ],
            [  500000., 0.0925 ],
            [ 1000000., 0.0975 ],
            [    1.e12, 0.1075 ]
         ]
      }
   },
   FL : {
      s : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      },
      m : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      }
   },
   GA : {
      s : {
         d   : 12000.,
         e   :     0.,
         dep : -4000.,
         t : [
            [  1.e12, 0.0539 ]
         ]
      },
      m : {
         d   : 24000.,
         e   :     0.,
         dep : -4000.,
         t : [
            [  1.e12, 0.0539 ]
         ]
      }
   },
   HI : {
      s : {
         d   :  4400.,
         e   : -1144.,
         dep : -1144.,
         t : [
            [   9600., 0.014  ],
            [  14400., 0.032  ],
            [  19200., 0.055  ],
            [  24000., 0.064  ],
            [  36000., 0.068  ],
            [  48000., 0.072  ],
            [ 125000., 0.076  ],
            [ 175000., 0.079  ],
            [ 225000., 0.0825 ],
            [ 275000., 0.09   ],
            [ 325000., 0.1    ],
            [   1.e12, 0.11   ]
         ]
      },
      m : {
         d   :  8800.,
         e   : -2288.,
         dep : -1144.,
         t : [
            [  19200., 0.014  ],
            [  28800., 0.032  ],
            [  38400., 0.055  ],
            [  48000., 0.064  ],
            [  72000., 0.068  ],
            [  96000., 0.072  ],
            [ 250000., 0.076  ],
            [ 350000., 0.079  ],
            [ 450000., 0.0825 ],
            [ 550000., 0.09   ],
            [ 650000., 0.1    ],
            [   1.e12, 0.11   ]
         ]
      }
   },
   ID : {
      s : {
         d   : 15000.,
         e   :    0.,
         dep :    0.,
         t : [
            [  4673., 0.0 ],
            [  1.e12, 0.05695 ]
         ]
      },
      m : {
         d   : 30000.,
         e   :     0.,
         dep :     0.,
         t : [
            [  9346., 0.0 ],
            [  1.e12, 0.05695 ]
         ]
      }
   },

//   IL : {
//   },
//   IN : {
//   },

   IA : {
      s : {
         d   :  0.,
         e   : 40.,
         dep : 40.,
         t : [
            [  1.e12, 0.038 ]
         ]
      },
      m : {
         d   :  0.,
         e   : 80.,
         dep : 40.,
         t : [
            [  1.e12, 0.038 ]
         ]
      }
   },
   KS : {
      taxSS : true,
      s : {
         d   :  3605.,
         e   : -9160.,
         dep : -2320.,
         t : [
            [ 23000., 0.052 ],
            [  1.e12, 0.0558 ]
         ]
      },
      m : {
         d   :   8240.,
         e   : -18320.,
         dep :  -2320.,
         t : [
            [ 46000., 0.052 ],
            [  1.e12, 0.0558 ]
         ]
      }
   },
   KY : {
      s : {
         d   : 3270.,
         e   :    0.,
         dep :    0.,
         t : [
            [  1.e12, 0.04 ]
         ]
      },
      m : {
         d   : 6540.,
         e   :    0.,
         dep :    0.,
         t : [
            [  1.e12, 0.04 ]
         ]
      }
   },
   LA : {
      s : {
         d   : 12500.,
         e   :     0.,
         dep :     0.,
         t : [
            [  1.e12, 0.03 ]
         ]
      },
      m : {
         d   : 25000.,
         e   :     0.,
         dep :     0.,
         t : [
            [  1.e12, 0.03 ]
         ]
      }
   },
   ME : {
      s : {
         d   : 15000.,
         e   : -5150.,
         dep :   300.,
         t : [
            [ 26800., 0.058  ],
            [ 63450., 0.0675 ],
            [  1.e12, 0.0715 ]
         ]
      },
      m : {
         d   :  30000.,
         e   : -10300.,
         dep :    300.,
         t : [
            [  53600., 0.058  ],
            [ 126900., 0.0675 ],
            [   1.e12, 0.0715 ]
         ]
      }
   },
   MD : {
      s : {
         d   :  2700.,
         e   : -3200.,
         dep : -3200.,
         t : [
            [   1000., 0.02   ],
            [   2000., 0.03   ],
            [   3000., 0.04   ],
            [ 100000., 0.0475 ],
            [ 125000., 0.05   ],
            [ 150000., 0.0525 ],
            [ 250000., 0.055  ],
            [   1.e12, 0.0575 ]
         ]
      },
      m : {
         d   :  5450.,
         e   : -6400.,
         dep : -3200.,
         t : [
            [   1000., 0.02   ],
            [   2000., 0.03   ],
            [   3000., 0.04   ],
            [ 150000., 0.0475 ],
            [ 175000., 0.05   ],
            [ 225000., 0.0525 ],
            [ 300000., 0.055  ],
            [   1.e12, 0.0575 ]
         ]
      }
   },
/*
   MA : {
      s : {
         d   :    0.,
         e   : 4400.,
         dep : 1000.,
         t : [
            [ 1.e12, 0.051 ]
         ]
      },
      m : {
         d   :    0.,
         e   : 8800.,
         dep : 1000.,
         t : [
            [ 1.e12, 0.051 ]
         ]
      }

 },
*/

//   MI : {
//   },

   MN : {
      taxSS : true,
      s : {
         d   : 14950.,
         e   : 0.,
         dep : -5200.,
         t : [
            [  32570., 0.0535 ],
            [ 106990., 0.0680 ],
            [ 198630., 0.0785 ],
            [   1.e12, 0.0985 ]
         ]
      },
      m : {
         d   : 29900.,
         e   : 0.,
         dep : -5200.,
         t : [
            [  47620., 0.0535 ],
            [ 189180., 0.0680 ],
            [ 330410., 0.0785 ],
            [   1.e12, 0.0985 ]
         ]
      }
   },
   MS : {
      s : {
         d   :  2300.,
         e   : -6000.,
         dep : -1500.,
         t : [
            [ 10000., 0.0  ],
            [  1.e12, 0.044 ]
         ]
      },
      m : {
         d   :   4600.,
         e   : -12000.,
         dep :  -1500.,
         t : [
            [ 10000., 0.0  ],
            [  1.e12, 0.044 ]
         ]
      }
   },
   MO : {
      s : {
         d   : 15000.,
         e   :     0.,
         dep :     0.,
         t : [
            [   1313., 0.0   ],
            [   2626., 0.02  ],
            [   3939., 0.025 ],
            [   5252., 0.03  ],
            [   6565., 0.035 ],
            [   7878., 0.04  ],
            [   9191., 0.045 ],
            [   1.e12, 0.047 ]
         ]
      },
      m : {
         d   : 30000.,
         e   :     0.,
         dep :     0.,
         t : [
            [   1313., 0.0   ],
            [   2626., 0.02  ],
            [   3939., 0.025 ],
            [   5252., 0.03  ],
            [   6565., 0.035 ],
            [   7878., 0.04  ],
            [   9191., 0.045 ],
            [   1.e12, 0.047 ]
         ]
      }
   },
   MT : {
      taxSS : true,
      s : {
         d   : 15000.,
         e   :     0.,
         dep :     0.,
         t : [
            [ 21100., 0.047 ],
            [  1.e12, 0.059 ]
         ]
      },
      m : {
         d   : 30000.,
         e   :     0.,
         dep :     0.,
         t : [
            [ 42200., 0.047 ],
            [  1.e12, 0.059 ]
         ]
      }
   },
   NE : {
      s : {
         d   : 8600.,
         e   :  171.,
         dep :  171.,
         t : [
            [  4030., 0.0246 ],
            [ 24120., 0.0351 ],
            [ 38870., 0.0501 ],
            [  1.e12, 0.0520 ]
         ]
      },
      m : {
         d   : 17200.,
         e   :   342.,
         dep :   171.,
         t : [
            [  8040., 0.0246 ],
            [ 48250., 0.0351 ],
            [ 77730., 0.0501 ],
            [  1.e12, 0.0520 ]
         ]
      }
   },
   NV : {
      s : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      },
      m : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      }
   },
   NH : {
      s : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      },
      m : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      }
   },
/*
   NJ : {
      s : {
         d   :    0.,
         e   : 1000.,
         dep : 1500.,
         t : [
            [  20000., 0.014   ],
            [  35000., 0.0175  ],
            [  40000., 0.035   ],
            [  75000., 0.05525 ],
            [ 500000., 0.0637  ],
            [   1.e12, 0.0897  ]
         ]
      },
      m : {
         d   :    0.,
         e   : 2000.,
         dep : 1500.,
         t : [
            [  20000., 0.014   ],
            [  50000., 0.0175  ],
            [  70000., 0.0245  ],
            [  80000., 0.035   ],
            [ 150000., 0.05525 ],
            [ 500000., 0.0637  ],
            [   1.e12, 0.0897  ]
         ]
      }
   },
*/
   NM : {
      taxSS : true,
      s : {
         d   : 15000.,
         e   :     0.,
         dep :  4000.,
         t : [
            [   5500., 0.015 ],
            [  16500., 0.032 ],
            [  33500., 0.043 ],
            [  66500., 0.047 ],
            [ 210000., 0.049 ],
            [   1.e12, 0.059 ]
         ]
      },
      m : {
         d   : 30000.,
         e   :     0.,
         dep :  4000.,
         t : [
            [   8000., 0.015 ],
            [  25000., 0.032 ],
            [  50000., 0.043 ],
            [ 100000., 0.047 ],
            [ 315000., 0.049 ],
            [   1.e12, 0.059 ]
         ]
      }
   },
   NY : {
      s : {
         d   : 8000.,
         e   :    0.,
         dep : 1000.,
         t : [
            [     8500., 0.04   ],
            [    11700., 0.045  ],
            [    13900., 0.0525 ],
            [    80650., 0.055 ],
            [   215400., 0.06  ],
            [  1077550., 0.0685 ],
            [  5000000., 0.0965 ],
            [ 25000000., 0.103 ],
            [     1.e12, 0.109 ]
         ]
      },
      m : {
         d   : 16050.,
         e   :     0.,
         dep :  1000.,
         t : [
            [    17150., 0.04   ],
            [    23600., 0.045  ],
            [    27900., 0.0525 ],
            [   161550., 0.055 ],
            [   323200., 0.06  ],
            [  2155350., 0.0685 ],
            [  5000000., 0.0965 ],
            [ 25000000., 0.103 ],
            [     1.e12, 0.109 ]
         ]
      }
   },
   NC : {
      s : {
         d   : 12750.,
         e   :    0.,
         dep :    0.,
         t : [
            [ 1.e12, 0.0425 ]
         ]
      },
      m : {
         d   : 25500.,
         e   :     0.,
         dep :     0.,
         t : [
            [ 1.e12, 0.0425 ]
         ]
      }
   },
   ND : {
      s : {
         d   : 15000.,
         e   :     0.,
         dep :     0.,
         t : [
            [  48475., 0.0    ],
            [ 244825., 0.0195 ],
            [   1.e12, 0.0250 ]
         ]
      },
      m : {
         d   : 30000.,
         e   :     0.,
         dep :     0.,
         t : [
            [  80975., 0.0    ],
            [ 298075., 0.0195 ],
            [   1.e12, 0.0250 ]
         ]
      }
   },
   OH : {
      s : {
         d   :     0.,
         e   : -2400.,
         dep : -2400.,
         t : [
            [  26050., 0.0    ],
            [ 100000., 0.0275 ],
            [   1.e12, 0.0350 ]
         ]
      },
      m : {
         d   :     0.,
         e   : -4800.,
         dep : -2400.,
         t : [
            [  26050., 0.0    ],
            [ 100000., 0.0275 ],
            [   1.e12, 0.0350 ]
         ]
      }
   },
   OK : {
      s : {
         d   :  6350.,
         e   : -1000.,
         dep : -1000.,
         t : [
            [ 1000., 0.0025 ],
            [ 2500., 0.0075 ],
            [ 3750., 0.0175 ],
            [ 4900., 0.0275 ],
            [ 7200., 0.0375 ],
            [ 1.e12, 0.0475 ]
         ]
      },
      m : {
         d   : 12700.,
         e   : -2000.,
         dep : -1000.,
         t : [
            [  2000., 0.0025 ],
            [  5000., 0.0075 ],
            [  7500., 0.0175 ],
            [  9800., 0.0275 ],
            [ 14400., 0.0375 ],
            [  1.e12, 0.0475 ]
         ]
      }
   },
   OR : {
      s : {
         d   : 2800.,
         e   :  250.,
         dep :  250.,
         t : [
            [   4400., 0.0475 ],
            [  11050., 0.0675 ],
            [ 125000., 0.0875 ],
            [   1.e12, 0.099  ]
         ]
      },
      m : {
         d   : 5600.,
         e   :  500.,
         dep :  250.,
         t : [
            [   8800., 0.0475 ],
            [  22100., 0.0675 ],
            [ 250000., 0.0875 ],
            [   1.e12, 0.099  ]
         ]
      }
   },
   PA : {
      s : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0307 ]
         ]
      },
      m : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0307 ]
         ]
      }
   },
   RI : {
      taxSS : true,
      s : {
         d   : 10900.,
         e   : -5100.,
         dep : -5100.,
         t : [
            [  79900., 0.0375 ],
            [ 181650., 0.0475 ],
            [   1.e12, 0.0599 ]
         ]
      },
      m : {
         d   :  21800.,
         e   : -10200.,
         dep :  -5100.,
         t : [
            [  79900., 0.0375 ],
            [ 181650., 0.0475 ],
            [   1.e12, 0.0599 ]
         ]
      }
   },
   SC : {
      s : {
         d   : 15000.,
         e   :     0.,
         dep : -4790.,
         t : [
            [  3560., 0.0   ],
            [ 17830., 0.03  ],
            [  1.e12, 0.062 ]
         ]
      },
      m : {
         d   : 30000.,
         e   :     0.,
         dep : -4790.,
         t : [
            [  3560., 0.0   ],
            [ 17830., 0.03  ],
            [  1.e12, 0.062 ]
         ]
      }
   },
   SD : {
      s : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      },
      m : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      }
   },
   TN : {
      s : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      },
      m : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      }
   },
   TX : {
      s : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      },
      m : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      }
   },
   UT : {
      taxSS : true,
      s : {
         d   : 0.,
         e   : 900.,
         dep : 2046.,
         t : [
            [ 1.e12, 0.0455 ]
         ],
         pob : 17652.
      },
      m : {
         d   : 0.,
         e   : 1800.,
         dep : 2046.,
         t : [
            [ 1.e12, 0.0455 ]
         ],
         pob : 35304.
      }
   },
   VT : {
      taxSS : true,
      s : {
         d   :  7400.,
         e   : -5100.,
         dep : -5100.,
         t : [
            [  47900., 0.0335 ],
            [ 116000., 0.066  ],
            [ 242000., 0.076  ],
            [   1.e12, 0.0875 ]
         ]
      },
      m : {
         d   :  14850.,
         e   : -10200.,
         dep :  -5100.,
         t : [
            [  79950., 0.0335 ],
            [ 193300., 0.066  ],
            [ 294600., 0.076  ],
            [   1.e12, 0.0875 ]
         ]
      }
   },
   VA : {
      s : {
         d   : 8500.,
         e   : -930.,
         dep : -930.,
         t : [
            [  3000., 0.02   ],
            [  5000., 0.03   ],
            [ 17000., 0.05   ],
            [  1.e12, 0.0575 ]
         ]
      },
      m : {
         d   : 17000.,
         e   : -1860.,
         dep :  -930.,
         t : [
            [  3000., 0.02   ],
            [  5000., 0.03   ],
            [ 17000., 0.05   ],
            [  1.e12, 0.0575 ]
         ]
      }
   },
   WA : {
      s : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      },
      m : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      }
   },
   WV : {
      s : {
         d   :     0.,
         e   : -2000.,
         dep : -2000.,
         t : [
            [  10000., 0.0222 ],
            [  25000., 0.0296 ],
            [  40000., 0.0333 ],
            [  60000., 0.0444 ],
            [   1.e12, 0.0482 ]
         ]
      },
      m : {
         d   :     0.,
         e   : -4000.,
         dep : -2000.,
         t : [
            [  10000., 0.0222 ],
            [  25000., 0.0296 ],
            [  40000., 0.0333 ],
            [  60000., 0.0444 ],
            [   1.e12, 0.0482 ]
         ]
      }
   },
   WI : {
      s : {
         d   : 13560.,
         e   :  -700.,
         dep :  -700.,
         t : [
            [  14680., 0.0350 ],
            [  29370., 0.0440 ],
            [ 323290., 0.0530 ],
            [   1.e12, 0.0765 ]
         ]
      },
      m : {
         d   : 25110.,
         e   : -1400.,
         dep :  -700.,
         t : [
            [  19580., 0.0350 ],
            [  39150., 0.0440 ],
            [ 431060., 0.0530 ],
            [   1.e12, 0.0765 ]
         ]
      }
   },
   WY : {
      s : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      },
      m : {
         d   : 0.,
         e   : 0.,
         dep : 0.,
         t : [
            [ 1.e12, 0.0 ]
         ]
      }
   }
};

function sessionStorageExists()
{
   try {
      if (sessionStorage) {
         return true ;
      }
   }
   catch (e) {
      return false;
   }
}

function stateUpdate()
{
   var temp ;
   var done ;
   var key ;
   var stateArray = [ ] ;
   var colorder   = [ ] ;

var sTaxes =
  "<table> <thead> <tr> " + "<th> State </th> <th> Tax </th> <TH>&nbsp;&nbsp;&nbsp;&nbsp;</TH>".repeat(5) +
   "</tr> </thead> <tbody> " ;

   var f2 = document.taxcalc;  // This is the form we'll we working with.

   var AGI = parseFloat(f2.fininc.value) ;
   var fAGI = parseFloat(f2.fedAGI.value) ;
   var wage = parseFloat(f2.wage.value) ;

   // filestatus is wrong for headHousehold
   var fileStatus = ( ( f2.status.value == 'marriedJoint' ) ? 'm' : 's' ) ;
   var numStates = Object.keys(stateTax).length ;

   var count = 0;
   for (key in stateTax) {
      var sObj = stateTax[key] ;
      var tObj = sObj[fileStatus] ;
      var sched = tObj['t'] ;
      var eTax = AGI - tObj['d'] ;
      eTax -= parseFloat(f2.treasint.value) ; // not state taxable

      // Do states tax raw ssincome, or this adjusted amount?
      eTax += ( ((sObj["taxSS"] == true) && (f2.noSS.checked == false)) ? (fAGI - AGI) : 0.0 ) ;

      // Self employment payroll tax adjustment

/*
      if (f2.selfE.checked) {
         var maxSSincome = wage*0.9235; // this line only applies to self employment,so OK
         if (maxSSincome > 168600.0) maxSSincome = 168600.0; // 2025 tax year
         eTax -= (maxSSincome*0.062 + wage*0.0145*0.9235) ;
      }
*/

      var fTax      = 0.;
      var fBase     = 0.;
      var fExempt   = tObj['e'];  /* < 0.0 applied to income, > 0.0 applied to tax */

      if (fExempt < 0.0) eTax += fExempt ;
      if (eTax > 0.0) {
        for(var j = 0; j < sched.length; j++) {
          if (eTax > (sched[j])[0]) {
              fTax += ((sched[j])[0] - fBase) * (sched[j])[1];
              fBase = (sched[j])[0];
          }
          else {
              fTax += (eTax - fBase) * (sched[j])[1];
              break;
          }
        }
        if (key == 'UT') {
          var factor = (eTax - tObj['pob']) * 0.013;
          if (factor > 0.0) fExempt -= factor;
          if (fExempt < 0.0) fExempt = 0.0;
        }
        if (fExempt > 0.0) fTax -= fExempt ;
      }

      if (fTax < 0.0) fTax = 0.0 ;
      fTax = Math.round(fTax) ;

      stateArray[count] = [ key, fTax ] ;
      ++count ;
   }

   /* sort stateArray by tax amount */
   if (f2.statesort.value == 'tax') {
      var place ;
      for (count=numStates-1; count>0; --count) {
         done = true;
         for (place=0; place<count; ++place) {
            if ((stateArray[place])[1] > (stateArray[place+1])[1]) {
               temp = stateArray[place] ;
               stateArray[place] = stateArray[place+1] ;
               stateArray[place+1] = temp ;
               done = false ;
            }
         }
         if (done == true) {
            break ;
         }
      }
   }

   place = 0;
   for (count=0; count<numStates; ++count) {
      colorder[place] = stateArray[count] ;
      place += 5 ;
      if (place >= numStates) {
         place = (place % 5) + 1 ;
      }
   }

   for (count=0; count<numStates; ++count) {
      if ( (count % 5) == 0) sTaxes += "<tr> " ;
      sTaxes += "<td align='center'> " + colorder[count][0] +
          ( ( (stateTax[colorder[count][0]])["taxSS"] == true ) ? "*" : " " ) +
                                         " </td> <td align='right'> " +
                                         colorder[count][1] + " </td> <TD>&nbsp;</TD>" ;
      if ( ((count+1) % 5) == 0) sTaxes += "</tr> " ;
   }
   if ( ((count-1) % 5) != 0) sTaxes += "</tr> " ;

   sTaxes += "</tbody> </table>" ;
   sTaxes += "<P> &#42 States that tax Social Security benefits." ;

   document.getElementById("stateInfo").innerHTML = sTaxes ;
}


function compute()
{
// FPL 2025  150%   200%   250%   300%   400%
//  1 pers  22590  30120  37650  45180  60240
    var acaFrac = [
         [  22590.00, 0.0 ],
         [  30120.00, 0.02 ],
         [  37650.00, 0.04 ],
         [  45180.00, 0.06 ],
         [  60240.00, 0.085 ]
      ] ;

    var f = document.taxcalc;  // This is the form we'll we working with.

    if (sessionStorageExists()) {

       if (sessionStorage.getItem("state") === null) {
           sessionStorage.setItem("state", "0") ;
       }

       if (sessionStorage.getItem("state") == "1") {
          if (f.doRetire.checked == false) {
             /* restore previous values to form */
             f.wage.value = Math.round(0.0) ;
             f.simpinc.value = Math.round(0.0) ;
             f.treasint.value = Math.round(0.0) ;
             f.capdiv.value = Math.round(0.0) ;
             f.ssincome.value = Math.round(0.0) ;
             f.taxdefer.value = Math.round(0.0) ;
             f.housing.value = Math.round(0.0) ;

             f.wage.value =     sessionStorage.getItem("saveWage") ;
             f.simpinc.value =  sessionStorage.getItem("saveSimp") ;
             f.treasint.value = sessionStorage.getItem("saveTreas") ;
             f.capdiv.value =   sessionStorage.getItem("saveCap") ;
             f.ssincome.value = sessionStorage.getItem("saveSS") ;
             f.taxdefer.value = sessionStorage.getItem("saveDefer") ;
             f.housing.value =  sessionStorage.getItem("saveHousing") ;

             sessionStorage.setItem("state", "0") ;
          }
          else {
             f.noSS.checked      = ( (sessionStorage.getItem("saveSSflag") == "1") ? true : false ) ;
             f.selfE.checked     = ( (sessionStorage.getItem("saveSelfEflag") == "1") ? true : false ) ;
             f.nopayroll.checked = ( (sessionStorage.getItem("savenopayroll") == "1") ? true : false ) ;
          }
       }
    }
    else {
       f.doRetire.checked = false ;
       f.noSS.checked = false ;
    }

do {
    var filingStatus = fedTax[f.status.value];

    var wage = parseFloat(f.wage.value);
    if (isNaN(wage)) { wage = 0.; }
    f.wage.value = Math.round(wage);

    var simpinc = parseFloat(f.simpinc.value);
    if (isNaN(simpinc)) { simpinc = 0.; }
    f.simpinc.value = Math.round(simpinc);

    var income = wage + simpinc ;

    var treasint = parseFloat(f.treasint.value);
    if (isNaN(treasint)) { treasint = 0.; }
    f.treasint.value = Math.round(treasint);

    var capdiv = parseFloat(f.capdiv.value);
    if (isNaN(capdiv)) { capdiv = 0.; }
    f.capdiv.value = Math.round(capdiv);

    var housing = parseFloat(f.housing.value);
    if (isNaN(housing)) { housing = 0.; }

    var payrollMult  = 0.0;
    var ssincome = parseFloat(f.ssincome.value);
    if (isNaN(ssincome)) { ssincome = 0.; }
    f.ssincome.value = Math.round(ssincome);

    var taxdefer = parseFloat(f.taxdefer.value);
    if (isNaN(taxdefer)) { taxdefer = 0.; }
    if (taxdefer > wage) taxdefer = wage ;
    if (wage == 0.0) {
       f.taxdefer.value = "N/A" ;
    }
    else {
       f.taxdefer.value = Math.round(taxdefer);
    }

    // If you are self employed, you must pay payroll tax.

//    if (f.selfE.checked) f.nopayroll.checked = false;

    // base AGI value
    var AGI = income + treasint + capdiv - taxdefer;
    var taxableSS = 0.0;

    // NOTE -- the law says you pay SS tax if working, even if drawing SS income

    // does an IRA contribution get an SS tax?  How about 401K?
    // This may need adjustment based on tax deferred contribution
    // figure out how the 0.9235 factor applies, precisely
    // This only computes payroll tax for one filer
    var maxSSincome = wage;
    if (maxSSincome > 176100.0) maxSSincome = 176100.0; // 2025

    var sstax = 0.0;
    var medtax = 0.0;
    if ( (wage != 0.0) && (f.nopayroll.checked == false)) {
       payrollMult = 1.0;
       if (f.selfE.checked) payrollMult = 2.0*0.9235;
       sstax  = payrollMult*maxSSincome*0.062;
       medtax = payrollMult*wage*0.0145;
    }
    if ((wage == 0.0) || (f.nopayroll.checked == true) ) {
       f.sstax.value  = "N/A";
       f.medtax.value = "N/A";
    }
    else {
       f.sstax.value  = Math.round(sstax);
       f.medtax.value = Math.round(medtax);
    }

    // line 2, the standard or itemized deduction
    var deduction = 0.;
    if (f.standard.checked) {
        deduction = filingStatus['stdDeduction'];
    }
    else {
        deduction = parseFloat(f.deduction.value);
        if (isNaN(deduction)) deduction = 0.;
        if (deduction < filingStatus['stdDeduction']) {
            deduction = filingStatus['stdDeduction'];
            f.standard.checked = true;
        }
    }
    f.deduction.value = Math.round(deduction);
    if (f.selfE.checked) {
       AGI -= (sstax + medtax)/2.0;
       deduction += wage*0.20 /* sec199a */ ;
    }
    f.feded.value = Math.round(deduction);

    if (ssincome > 0.0) {
       var line2 = ( ssincome / 2.0 );
       var provinc = AGI + line2;
       var  lowthresh = 25000.0;
       var highthresh = 34000.0;

       if (f.status.value == 'marriedJoint') {
           lowthresh = 32000.0;
          highthresh = 44000.0;
       }

       if ( provinc < lowthresh ) {
          taxableSS = 0.0;
       }
       else {
          var line9 = provinc - lowthresh;
          var line10 = highthresh - lowthresh;
          var line11 = line9 - line10;
          if (line11 < 0.0) line11 = 0.0;
          var line12 = ( line9 < line10 ) ? line9 : line10;
          var line13 = 0.5 * line12;
          var line14 = ( line13 < line2 ) ? line13 : line2;
          var line16 = line14 + ( line11 * 0.85 );
          var line17 = ssincome * 0.85;
          taxableSS = ( line16 < line17 ) ? line16 : line17;
       }
    }

    /* have to add back the "below the line" deductions */
    f.fininc.value = Math.round(AGI) ;

    // Line 3: Subtract line 2 from line 1
    AGI += taxableSS;
    f.fedAGI.value = Math.round(AGI) ;
    var line3 = AGI - capdiv - deduction ;
    if (line3 < 0.) line3 = 0.;
    f.line3.value = Math.round(line3);

    var schedule = filingStatus['taxTable'];
    var capgainrate = 0.0 ;

    // there is one more bracket above the following rate
    var cgain = filingStatus['capGain'];
    // var testVal = income + treasint + capdiv ;
    var testVal = income + taxableSS + treasint + capdiv ;
    for(var k = cgain.length-1; k >= 0 ; --k) {
        if (testVal <= (cgain[k])[0]) {
          capgainrate = (cgain[k])[1] ;
        }
    }


    // Line 4: tax from schedules.
    // determine which tax schedule to use, based on filing status

    var tax      = 0.;
    var base     = 0.;
    // determine which tax bracket to use within that schedule
    for(var i = 0; i < schedule.length; i++) {
        if (line3 > (schedule[i])[0]) {
            tax += ((schedule[i])[0] - base) * (schedule[i])[1];
            base = (schedule[i])[0];
        }
        else {
            tax += (line3 - base) * (schedule[i])[1];
            break;
        }
    }
    tax += capgainrate*capdiv;
    var savercred = 0.;
    if (line3 < filingStatus['scredthresh']) {
      var scredmax = 1000.;
      savercred = 0.5*taxdefer;
      if (f.status.value == 'marriedJoint') {
         scredmax = 2000.
      }
      if (savercred > scredmax) {
        savercred = scredmax;
      }
      if (savercred > tax) {
        savercred = tax;
      }
      savercred = Math.round(savercred);
    }
    tax -= savercred;
    f.savercred.value = savercred;

    f.tax.value = Math.round(tax);

    f.totinc.value = Math.round(income + treasint + capdiv + ssincome) ;

    f.takehome.value = Math.round(income + treasint + capdiv + ssincome -
                                  tax - sstax - medtax - taxdefer - housing) ;

    var takehome = f.takehome.value ;
    if (sessionStorageExists()) {
    if ( f.doRetire.checked && (sessionStorage.getItem("state") == "0") ) {
       /* cache current form values */
       sessionStorage.setItem("saveWage", f.wage.value) ;
       sessionStorage.setItem("saveSimp", f.simpinc.value) ;
       sessionStorage.setItem("saveTreas", f.treasint.value) ;
       sessionStorage.setItem("saveCap", f.capdiv.value) ;
       sessionStorage.setItem("saveSS", f.ssincome.value) ;
       sessionStorage.setItem("saveDefer", f.taxdefer.value) ;
       sessionStorage.setItem("saveHousing", f.housing.value) ;

       sessionStorage.setItem("saveSSflag", (f.noSS.checked ? "1" : "0") ) ;
       sessionStorage.setItem("saveSelfEflag", (f.selfE.checked ? "1" : "0") ) ;
       sessionStorage.setItem("savenopayroll", (f.nopayroll.checked ? "1" : "0") ) ;

       /* set new form values */
       f.wage.value = Math.round(0.0) ;
       f.simpinc.value = Math.round(0.0) ;
       f.taxdefer.value = Math.round(0.0) ;

       if (f.noSS.checked == false) {
          var estSS = 0.707*wage/12.0 ;  // RMS estimate of monthly wage
          var estSSincome = 0.0 ;
          if (estSS >= 926.0) {
             estSSincome = 833.40 ;
             if (estSS >= 5583.0) {
                estSSincome += 1490.24 + 0.15*(estSS - 5583.0);
                if (estSSincome > 2788.0) {
                   estSSincome = 2788.0 ;
                }
             }
             else {
                estSSincome += 0.32*(estSS - 926.0) ;
             }
          }
          else {
             estSSincome = 0.9*estSS ;
          }
          f.ssincome.value = Math.round(12.0*estSSincome) ;
          takehome -= f.ssincome.value ;
       }
       else {
          f.ssincome.value = Math.round(0.0) ;
       }

       if (takehome > 0.0) {
          if (takehome > 12000.0) {
             f.treasint.value = Math.round(12000.0) ;
             takehome -= 12000.0 ;
          }
          else {
             f.treasint.value = Math.round(takehome) ;
             takehome = 0.0 ;
          }
       }
       else {
          f.treasint.value = Math.round(0.0) ;
       }

       if (takehome > 0.0) {
          f.capdiv.value = Math.round(takehome/(1.0-capgainrate)) ;
       }
       else {
          f.capdiv.value = Math.round(0.0) ;
       }

       f.housing.value = "0 (owned)";

       sessionStorage.setItem("state", "1") ;
       continue ;
    }
    }
    break ;
} while(true) ;

    f.aca.value = Math.round( 0.0 ) ;
    // Is full SS income considered for ACA MAGI, or just taxable portion?
    // Is ACA unavailable once SS income stream begins?
    // Hack until ACA MAGI calculation is understood.
    // capital gains income does not influence ACA in formula below
    var acamult = ( ( f.status.value == 'marriedJoint' ) ? 1.35 : 1.0 ) ;
    if ( AGI < 21597.0 * acamult ) {
       f.aca.value = 'Medicare';
    }
    else {
       // only account for one or two person household
       // if ( AGI < ( (acaFrac[5])[0] ) * acamult ) {
          var fracMult = 0.0 ;
          var lb, ub ;
          for (var j=0; j < acaFrac.length ; j++) {
             if (AGI <= ( (acaFrac[j])[0] ) * acamult) {
               break ;
             }
          }
          if ( j > 0 && j < acaFrac.length ) {
             lb = ( (acaFrac[j-1])[0] ) * acamult ;
             ub = ( (acaFrac[j])[0] ) * acamult ;
             fracMult = (acaFrac[j-1])[1] +
                        ( (acaFrac[j])[1] - (acaFrac[j-1])[1] ) *
                        (AGI - lb)/( ub - lb) ;
          }
          if ( j == acaFrac.length ) {
             fracMult = (acaFrac[j-1])[1] ;
          }
          f.aca.value = Math.round( fracMult*AGI ) ;
       // }
       // else {
       //    f.aca.value = 'No subsidy';
       // }
    }
}

function hideshow()
{
    var i ;
    var f = document.taxcalc;
    var x = document.getElementsByClassName("hideme");

    if (f.showDetails.checked) {
       for (i = 0; i < x.length; i++) {
          x[i].style.display = "table-row";
       }
    }
    else {
       for (i = 0; i < x.length; i++) {
          x[i].style.display = "none";
       }
    }
}

</SCRIPT>


</HEAD>

<BODY onload="compute();stateUpdate();">

<H1>2025 U.S. Income Tax Estimator</H1>
You only need to enter the data in the background highlighted fields.
<P>For simplicity, the calculator assumes only one filer is
subject to payroll tax.  This works fine when joint wage
income is less than the annual max payroll tax threshold.
<P>
<B><I>This program is an example only.<BR>Computing your actual income tax is
almost always more complicated than this!</I></B>


<FORM NAME="taxcalc">
  <TABLE BORDER CELLPADDING=3>
    <TR>
      <TD COLSPAN=2 BGCOLOR="d0d0d0">
        <B>Select your filing status:</B>
        <select name="status" onChange="compute();stateUpdate()">
          <option value='single' SELECTED> Single
<!--      <option value='headHousehold'>   Head of Household           -->
          <option value='marriedJoint'>    Married, Filing Jointly
<!--      <option value='marriedSeparate'> Married, Filing Separately  -->
        </SELECT>
      </TD></TR>
    <TR>
      <TD BGCOLOR="d0d0d0"
       TITLE="Money from employer, sole-proprietor income, etc">
      <B>Enter wage income subject to payroll tax</B></TD>
      <TD BGCOLOR="d0d0d0">
        <INPUT TYPE=text NAME="wage" onChange="compute();stateUpdate()">
      </TD></TR>
    <TR>
      <TD BGCOLOR="d0d0d0"
       TITLE="Short-term capital gain, simple bank interest, simple rental income, pension/IRA/401(k) income, etc">
      <B>Enter simple non-wage income</B></TD>
      <TD BGCOLOR="d0d0d0">
        <INPUT TYPE=text NAME="simpinc" onChange="compute();stateUpdate()">
      </TD></TR>
    <TR>
      <TD BGCOLOR="d0d0d0"><B>Enter annual Social Security income</B></TD>
      <TD BGCOLOR="d0d0d0">
        <INPUT TYPE=text NAME="ssincome" onChange="compute();stateUpdate()">
      </TD>
      </TR>
    <TR>
      <TD BGCOLOR="d0d0d0"><B>Enter long-term capital gains<BR>and qualified dividend income</B></TD>
      <TD BGCOLOR="d0d0d0">
        <INPUT TYPE=text NAME="capdiv" onChange="compute();stateUpdate()">
      </TD></TR>
    <TR>
      <TD BGCOLOR="d0d0d0"><B>Enter Treasury bond interest</B></TD>
      <TD BGCOLOR="d0d0d0">
        <INPUT TYPE=text NAME="treasint" onChange="compute();stateUpdate()">
      </TD></TR>
    <TR>
      <TD BGCOLOR="d0d0d0"><B>Tax deferred retirement contribution</B> (IRA, 401k, etc)</TD>
      <TD BGCOLOR="d0d0d0">
        <INPUT TYPE=text NAME="taxdefer" onChange="compute();stateUpdate()">
      </TD>
      </TR>
    <TR>
      <TD BGCOLOR="d0d0d0"
       TITLE="Do not include property tax, HOA fees, insurance, maintenance, etc.">
      <B>Annual primary residence rent<BR>or mortgage principal+interest paid</B></TD>
      <TD BGCOLOR="d0d0d0">
        <INPUT TYPE=text NAME="housing" onChange="compute();stateUpdate()">
      </TD>
      </TR>
    <TR>
      <TD BGCOLOR="d0d0d0">
        <B>Check here
        <INPUT TYPE=checkbox NAME="standard" CHECKED onClick="compute()">
        for the standard deduction,<BR>or enter your itemized deduction</B>
      </TD>
      <TD BGCOLOR="d0d0d0">
        <INPUT TYPE=text NAME="deduction"
               onChange="this.form.standard.checked = false; compute()">
      </TD></TR>
    <TR>
     <TD BGCOLOR="d0d0d0"
      TITLE="Removing payroll tax is a way to approximate taxes
in retirement while maintaining similar income streams">
      disable payroll tax <INPUT TYPE=checkbox NAME="nopayroll" onClick="compute();stateUpdate()">
      | self employed <INPUT TYPE=checkbox NAME="selfE" onClick="compute();stateUpdate()">
      | show details <INPUT TYPE=checkbox NAME="showDetails" onclick="hideshow()">
      </TD></TR>
    <TR>
     <TD BGCOLOR="d0d0d0"
      TITLE="Shows how to draw income at retirement to minimize federal and state tax.
Feature requires Javascript sessionStorage, which some browsers only provide
by enabling third party cookies">
      Retire at takehome pay <INPUT TYPE=checkbox NAME="doRetire" onClick="compute();stateUpdate()">
      | state without SS <INPUT TYPE=checkbox NAME="noSS" onclick="compute();stateUpdate()">
      </TD></TR>
    <TR>
      <TD align="center"><B>Total income</B></TD>
      <TD><INPUT TYPE=text NAME="totinc"></TD></TR>
    <TR>
      <TD align="center"><B>Net discretionary income (aka takehome pay)</B>
         <BR>(ACA and state tax must be subtracted separately)</TD>
      <TD><INPUT TYPE=text NAME="takehome"></TD></TR>
    <TR>
      <TD>estimated annual ACA premium</TD>
      <TD><INPUT TYPE=text NAME="aca"></TD></TR>
    <TR class="hideme" style="display:none">
      <TD>Final Federal income minus SS:</TD>
      <TD><INPUT TYPE=text NAME="fininc"></TD></TR>
    <TR class="hideme" style="display:none">
      <TD>Federal Adjusted Gross Income:</TD>
      <TD><INPUT TYPE=text NAME="fedAGI"></TD></TR>
    <TR class="hideme" style="display:none">
      <TD>Total Federal deductions:</TD>
      <TD><INPUT TYPE=text NAME="feded"></TD></TR>
    <TR class="hideme" style="display:none">
      <TD>Final Federally taxable income:</TD>
      <TD><INPUT TYPE=text NAME="line3"></TD></TR>
    <TR class="hideme" style="display:none">
      <TD>Savers credit</TD>
      <TD><INPUT TYPE=text NAME="savercred"></TD></TR>
    <TR>
      <TD>Federal tax, from 2025 tax rate schedules<BR>plus capital gains taxes</TD>
      <TD><INPUT TYPE=text NAME="tax"></TD></TR>
    <TR class="hideme" style="display:none">
      <TD>Social Security tax, employee portion</TD>
      <TD><INPUT TYPE=text NAME="sstax"></TD></TR>
    <TR class="hideme" style="display:none">
      <TD>Medicare tax, employee portion</TD>
      <TD><INPUT TYPE=text NAME="medtax"></TD></TR>
    <TR>
      <TD BGCOLOR="d0d0d0">
      Sort states by tax <INPUT TYPE="radio" NAME="statesort" value="tax" onClick="stateUpdate()">
      | Sort states alphabetically <INPUT TYPE="radio" NAME="statesort" value="alph" CHECKED onClick="stateUpdate()">
      </TD></TR>
  </TABLE>
</FORM>

<p id="stateInfo"></p>

</BODY>
</html>