State Conformity & Withholding Checklist

If your state imposes a wage income tax, you must verify how they handle federal deductions. Use this checklist to ensure your 2026 estimates are accurate and to avoid under-withholding.

The Verification Checklist

• Federal Baseline: Always treat the calculator output as a federal estimate only. Your total state tax bill may not decrease even if your federal bill does.
• State Linkage: Visit the official tax agency site for your state (links are on each state-specific page) to see if they have issued guidance on the 2026 federal overtime exemption.
• Withholding Review: If you see a major change in your take-home pay due to federal overtime rules, re-check your withholding using the IRS Tax Withholding Estimator.
• Overtime Definitions: Ensure your employer's definition of "qualified overtime" matches the federal OBBBA requirements (usually hours worked over 40 in a week).