State Tax Estimator

Organization

openaccountant

state-tax-estimator

Estimate state income tax liability based on income and state of residence.

Overview

Publisher	openaccountant
Repository	`skills`
Skill name	`state-tax-estimator`
Stars	106
Forks	18
Bundled files	Instructions only
License	MIT
Links	Skill source Repository

Markdown instructions
A SKILL.md file the model loads on demand, so it only costs tokens when a request actually matches.
Works with any LLM
AI skills are plain Markdown, not provider-specific code, so this works with GPT, Claude, Gemini, Grok, or a local model.
Self-contained
Everything the model needs lives in the instructions — no extra files to sync.
Open source
Published by openaccountant on GitHub. Read the source before you install it.

Installation

Install the State Tax Estimator AI skill in TypingMind to use it with any LLM, or drop it into another agent that reads SKILL.md.

Install in TypingMind

TypingMind installs a skill straight from its GitHub folder — it reads SKILL.md, bundles the resource files, and stores the result locally.

Open the app and go to Plugins → Skills.
Choose "Install from GitHub".
Paste the skill folder URL below and confirm.
https://github.com/openaccountant/skills/tree/main/personal/state-tax-estimator
Enable the skill in any chat where you want it available.

Plugins → Skills → Add skill → From GitHub URL, then paste the folder URL and press Continue.

Install in another agent

Any agent that reads the Agent Skills format can use this skill — copy the folder into that agent's skills directory.

Claude Code — .claude/skills

git clone --depth 1 https://github.com/openaccountant/skills.git /tmp/skills
mkdir -p .claude/skills
cp -r /tmp/skills/personal/state-tax-estimator .claude/skills/state-tax-estimator

Restart Claude Code after copying so it picks up the new skill.

Use it in TypingMind

Enable State Tax Estimator in any TypingMind chat and the model takes it from there. Its name and description sit in the system prompt, and the moment a request matches, the model loads the full instructions itself — you never invoke it by hand, and it costs no tokens until it is actually used.

The model loads State Tax Estimator on its own as soon as a request matches it.

Works with any AI model

AI skills are plain Markdown instructions rather than provider-specific code, so State Tax Estimator is not tied to the model it was written for. Install it once in TypingMind and use it with GPT-5, Claude, Gemini, Grok, DeepSeek, Mistral, Llama, or a local model you run yourself — all on your own API keys.

Loaded only when it is needed
The system prompt carries just the name and description. The instructions are fetched on the first matching request, so an idle skill costs nothing.
Switch models mid-chat
Because the skill is instructions rather than code, changing model does not break it — the next model reads the same SKILL.md.

Skill instructions

This is the SKILL.md content the model loads. Read it before installing — a skill is instructions your model will follow.

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

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

If you live in one state and work in another, you generally owe tax to both but receive a credit from your home state for taxes paid to the work state.
Remote workers: tax obligations depend on both where the work is performed and employer location. Some states have "convenience of the employer" rules (notably New York).
If you moved mid-year, you may need to file part-year returns in both states.

Without Wilson

Determine your total gross income from all sources.
Look up your state's standard deduction (or itemize if your state allows it).
Subtract the deduction from gross income to get taxable income.
Find your state's current tax brackets at your state Department of Revenue website.
Apply the brackets progressively:
- Example for a progressive state: first $10,000 at 2%, next $30,000 at 4%, remainder at 6%.
- For flat-rate states: multiply taxable income by the rate.
Subtract any state tax credits you qualify for.
Subtract withholding and estimated payments already made.
The result is your estimated balance due (or refund).

Important Notes

State tax brackets, rates, and deductions change frequently. Always verify current rates at your state's Department of Revenue website before filing.
Some states conform to federal taxable income as a starting point; others calculate state income independently. Deductions allowed federally may not be allowed by your state.
Local income taxes (city, county) exist in some states (Ohio cities, NYC, Portland, etc.) and are separate from state taxes.
State estimated tax payments follow similar quarterly schedules to federal but deadlines may differ.
If you have income in multiple states, consult a tax professional to avoid double taxation and ensure proper credit allocation.
This is not tax advice. Consult a CPA or tax professional for filing decisions.

Frequently asked questions

What does the State Tax Estimator AI skill do?

Estimate state income tax liability based on income and state of residence.

Why use State Tax Estimator on TypingMind?

Because you install it once and use it with any model. State Tax Estimator is plain Markdown rather than provider-specific code, so the same skill runs on GPT-5, Claude, Gemini, Grok, or a local model — and you can switch model mid-chat without it breaking. TypingMind runs on your own API keys, so you pay providers directly instead of a per-seat subscription, and your skills and chats stay in your own storage.

How do I install State Tax Estimator in TypingMind?

Open Plugins → Skills → Install from GitHub in TypingMind and paste https://github.com/openaccountant/skills/tree/main/personal/state-tax-estimator. TypingMind reads its SKILL.md and installs it as a skill you can enable per chat.

Which AI models can use State Tax Estimator?

Any model you connect in TypingMind. AI skills are plain Markdown instructions rather than provider-specific code, so GPT, Claude, Gemini, Grok, and local models can all load this skill when a request matches it.

How many AI models can I use with State Tax Estimator?

As many as you like. As long as a model supports skills, you can use State Tax Estimator with it — GPT, Claude, Gemini, Grok, DeepSeek, Mistral, Llama and more — all on TypingMind with your own API keys.

Is the State Tax Estimator AI skill free?

Yes. It is published on GitHub by openaccountant under the MIT license. You only pay your own AI provider for the tokens you use.

What are AI skills?

An AI skill is a reusable instruction bundle that teaches an AI model how to do one specific task. It follows the open Agent Skills format: a SKILL.md file with a name and description, plus any scripts, templates or reference files the model may need. The model reads the instructions only when your request matches the skill, so an installed skill costs nothing until it is used.

How are AI skills different from plugins or MCP servers?

A plugin or MCP server gives a model new tools to call — code that runs somewhere and returns a result. An AI skill gives the model knowledge and process instead: how to approach a task, which steps to follow, what good output looks like. Skills are plain Markdown, so they need no server, no API key and no runtime, and they work with any model.

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Overview

Installation

Install in TypingMind

Install in another agent

Use it in TypingMind

Works with any AI model

Skill instructions

State Income Tax Estimator

Overview

Wilson Tools Used

Workflow

States With No Income Tax

Representative State Tax Rates (2025, approximate)

Multi-State Considerations

Without Wilson

Important Notes

Frequently asked questions

Related AI Skills

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