About TotalTaxRate.com

What This Site Does

TotalTaxRate.com is an educational financial modeling tool. Most "take-home pay" calculators stop at federal and state income tax. But for most Americans, that is only half the story.

Our calculator adds the missing pieces: Property Tax, Sales Tax, and Vehicle Fees. By aggregating data from IRS tax tables, state statutes, and local property tax mill levies, we provide a more complete estimate of your actual "Total Effective Tax Rate."

Why I Built It

My name is Kyle Goodrich, and I built this tool after realizing how difficult it was to compare the true cost of living between different states.

I noticed that people often move to "Zero Income Tax" states like Texas or Florida expecting massive savings, only to be surprised by higher property taxes or insurance costs. I wanted to build a calculator that made these trade-offs transparent.

This project is not a tax filing service. It is a planning tool designed to help you answer questions like:

• "If I get a raise, how much do I actually keep?"
• "Is it cheaper to live in Denver or Austin once I factor in property tax?"
• "How much of my income is going to consumption taxes vs. income taxes?"

Who Is This For?

This tool is for:

• Homebuyers: Trying to budget for PITI (Principal, Interest, Taxes, Insurance) plus maintenance and income tax.
• Job Seekers: Comparing salary offers in different states.
• Financial Planners: Helping clients understand their true burn rate.
• Curious Taxpayers: Anyone who wants to know where their money goes.