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This means that while you might pay both state and federal income taxes, you will likely not be paying the same amount for each.",{"type":814,"attrs":925,"content":926},{"level":816},[927],{"text":928,"type":22},"Can I owe state taxes but not federal taxes? ",{"type":18,"content":930},[931],{"text":932,"type":22},"You can owe your state taxes while being up to date with your federal tax bill because the state tax brackets are different. So, if your income changes, it may not impact the federal taxes you pay but may change the amount you owe at the state level. It depends on your specific financial situation.",{"type":18,"content":934},[935],{"text":936,"type":22},"Changes to your income can also impact your state income tax credits and, as such, change what you owe. 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",{"text":986,"type":22,"marks":987},"Find a financial advisor today",[988],{"type":31,"attrs":989},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},{"text":991,"type":22},".",{"type":814,"attrs":993,"content":994},{"level":816},[995],{"text":996,"type":22},"How much do I owe in state taxes?",{"type":18,"content":998},[999],{"text":1000,"type":22},"To determine how much you owe in state taxes, you should check the guidance from your state tax authority. You can use this guidance to determine how much you owe based on your income bracket.",{"type":18,"content":1002},[1003,1005,1010],{"text":1004,"type":22},"In addition to considering your income, many states offer tax credits and subsidies, which can lower your tax burden. However, tax calculations can be tricky, so it may be a good idea to ",{"text":1006,"type":22,"marks":1007},"work with an expert",[1008],{"type":31,"attrs":1009},{"href":799,"uuid":34,"anchor":34,"target":35,"linktype":36},{"text":1011,"type":22}," if you have any questions or concerns about paying the right amount of tax. ",{"type":18,"content":1013},[1014],{"text":1015,"type":22},"It’s also important to remember that paying your state taxes late can result in fines and penalties from your state tax agency.",{"type":814,"attrs":1017,"content":1018},{"level":816},[1019],{"text":1020,"type":22},"Why do I need to pay state taxes?",{"type":18,"content":1022},[1023],{"text":1024,"type":22},"Your federal income taxes fund nationwide spending on Social Security, defense, and large transportation projects. ",{"type":18,"content":1026},[1027],{"text":1028,"type":22},"Your state also needs revenue to pay for education, the local police force, and other local government services not paid for by the federal government.",{"type":18,"content":1030},[1031],{"text":1032,"type":22},"The nine states that choose not to collect a state income tax may raise revenue through other means, such as relatively high property and sales taxes.",{"type":814,"attrs":1034,"content":1035},{"level":816},[1036],{"text":1037,"type":22},"What other types of taxes do I pay?",{"type":18,"content":1039},[1040],{"text":1041,"type":22},"Many states use other state taxes to raise revenue. These can include:",{"type":767,"content":1043},[1044,1050,1056,1062,1068,1074],{"type":770,"content":1045},[1046],{"type":18,"content":1047},[1048],{"text":1049,"type":22},"State sales tax: this may be imposed on all transactions, or on certain goods and services, such as buying alcohol or tobacco",{"type":770,"content":1051},[1052],{"type":18,"content":1053},[1054],{"text":1055,"type":22},"Motor tax",{"type":770,"content":1057},[1058],{"type":18,"content":1059},[1060],{"text":1061,"type":22},"Estate tax",{"type":770,"content":1063},[1064],{"type":18,"content":1065},[1066],{"text":1067,"type":22},"Property tax",{"type":770,"content":1069},[1070],{"type":18,"content":1071},[1072],{"text":1073,"type":22},"Inheritance tax",{"type":770,"content":1075},[1076],{"type":18,"content":1077},[1078],{"text":1079,"type":22},"Tax on retirement income",{"type":18,"content":1081},[1082],{"text":1083,"type":22},"It’s important to be aware of all the state-level taxes you’re liable to pay and budget accordingly, as these can quickly add up and eat into your income. However, the primary thing to be aware of is your state income tax liability, which you’ll need to pay alongside your federal income tax.",{"type":814,"attrs":1085,"content":1086},{"level":816},[1087],{"text":1088,"type":22},"How much capital gains tax do I pay?",{"type":18,"content":1090},[1091,1093,1099],{"text":1092,"type":22},"Capital gains tax (",{"text":1094,"type":22,"marks":1095},"CGT",[1096],{"type":31,"attrs":1097},{"href":1098,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.irs.gov/taxtopics/tc409",{"text":1100,"type":22},") is incurred on the profit an individual makes when you sell an asset or investment. Capital gains are taxed in one of two ways:",{"type":767,"content":1102},[1103,1113],{"type":770,"content":1104},[1105],{"type":18,"content":1106},[1107,1111],{"text":1108,"type":22,"marks":1109},"Long-term capital gains tax:",[1110],{"type":38},{"text":1112,"type":22}," You pay long-term capital gains tax on assets you sell after owning them for a year or more.",{"type":770,"content":1114},[1115],{"type":18,"content":1116},[1117,1121],{"text":1118,"type":22,"marks":1119},"Short-term capital gains tax: ",[1120],{"type":38},{"text":1122,"type":22},"This is paid on assets you’ve owned for under a year.",{"type":18,"content":1124},[1125],{"text":1126,"type":22},"Short-term capital gains are taxed as ordinary income, which depends on your specific federal tax bracket. While long-term capital gains have their own specific tax rates: 0%, 15%, and 20%, depending on your tax filing status, and the size of your return.",{"type":18,"content":1128},[1129,1131,1142],{"text":1130,"type":22},"A majority of US states also have their own capital gains tax rates, with most states taxing capital gains as income. You can calculate your tax liability with our handy ",{"text":1132,"type":22,"marks":1133},"capital gains tax calculator",[1134],{"type":31,"attrs":1135},{"href":1136,"uuid":1137,"anchor":34,"target":35,"linktype":74,"story":1138},"/discover/taxes/capital-gains-tax-calculator","0f32155e-cd7b-42ce-a26e-66cac894c1ea",{"name":533,"id":1139,"uuid":1137,"slug":1140,"url":1141,"full_slug":1141,"_stopResolving":558},495434755,"capital-gains-tax-calculator","discover/taxes/capital-gains-tax-calculator",{"text":991,"type":22},{"type":814,"attrs":1144,"content":1145},{"level":816},[1146],{"text":1147,"type":22},"How can I reduce my state income tax liability?",{"type":18,"content":1149},[1150],{"text":1151,"type":22},"There are many ways to ensure that you file your state taxes efficiently and pay as little as possible within the confines of your state’s tax laws. ",{"type":18,"content":1153},[1154],{"text":1155,"type":22},"For one, planning ahead for the state tax filing deadline can help you to avoid paying the wrong amount. If you are employed, check with your employer about your tax withholding. If you withhold too little or too much, you can adjust your withholding amount by filling out a new W-4 form. ",{"type":18,"content":1157},[1158],{"text":1159,"type":22},"As mentioned, there are some state tax credits available. There can also be ways to organize your finances in a tax-efficient way. Your state tax agency may be able to provide you with guidance about available tax credits. ",{"type":18,"content":1161},[1162],{"text":1163,"type":22},"Also, if your familial circumstances have changed - maybe you got married, had a child, or purchased a home - remember that these may change how much you owe, too.",{"type":814,"attrs":1165,"content":1166},{"level":816},[1167],{"text":1168,"type":22},"Get expert financial advice",{"type":18,"content":1170},[1171],{"text":1172,"type":22},"State and federal taxes apply very differently, meaning you can end up owing money for your state taxes. However, substantial savings can also be made via state tax credits.",{"type":18,"content":1174},[1175,1177,1186],{"text":1176,"type":22},"To ensure you are paying the correct amount of tax, Unbiased can match you with a ",{"text":795,"type":22,"marks":1178},[1179],{"type":31,"attrs":1180},{"href":113,"uuid":114,"anchor":34,"target":35,"linktype":74,"story":1181},{"name":1182,"id":1183,"uuid":114,"slug":1184,"url":1185,"full_slug":1185,"_stopResolving":558},"Best financial advisor",421857024,"best-financial-advisor","discover/financial-advice/best-financial-advisor",{"text":1187,"type":22}," who can review your finances and help you manage your taxes. ",{"type":18,"content":1189},[1190,1195],{"text":1191,"type":22,"marks":1192},"Start by answering a few questions",[1193],{"type":31,"attrs":1194},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},{"text":1196,"type":22},", and Unbiased will find you’re an SEC-regulated financial advisor perfectly suited to meet your needs.","article-rich-text",{"_uid":1199,"component":1200,"accordions":1201},"80f0b96e-6547-4b80-b68b-0b64acb9a17f","app-accordion-group",[1202,1255,1268],{"_uid":1203,"text":1204,"title":1253,"component":1254},"2e46a354-6c2f-4feb-a3be-f6c5f3886ca4",{"type":15,"content":1205},[1206],{"type":1207,"attrs":1208,"content":1210},"ordered_list",{"order":1209},1,[1211,1217,1223,1229,1235,1241,1247],{"type":770,"content":1212},[1213],{"type":18,"content":1214},[1215],{"text":1216,"type":22},"Inaccurate tax withholding - Failing to properly fill out your W-4 form can lead to too little being withheld from your paycheck for taxes.",{"type":770,"content":1218},[1219],{"type":18,"content":1220},[1221],{"text":1222,"type":22},"Self-employment income - Side hustles require you to pay self-employment tax and estimated quarterly taxes, which can add up to a big tax bill.",{"type":770,"content":1224},[1225],{"type":18,"content":1226},[1227],{"text":1228,"type":22},"Life changes - Getting married, having kids, losing a job, etc. can alter your tax situation.",{"type":770,"content":1230},[1231],{"type":18,"content":1232},[1233],{"text":1234,"type":22},"Fewer tax deductions - Lower deductible expenses like mortgage interest or medical bills reduces how much you can lower your taxable income.",{"type":770,"content":1236},[1237],{"type":18,"content":1238},[1239],{"text":1240,"type":22},"Higher tax bracket - A pay raise could bump you into a higher tax bracket with a larger percentage of income taxed.",{"type":770,"content":1242},[1243],{"type":18,"content":1244},[1245],{"text":1246,"type":22},"Capital gains taxes - You owe taxes on investment profits from selling assets like stocks or property.",{"type":770,"content":1248},[1249],{"type":18,"content":1250},[1251],{"text":1252,"type":22},"Expired tax credits - Your income might have increased to where you no longer qualify for certain tax credits.","How do you end up owing taxes?","app-accordion",{"_uid":1256,"text":1257,"title":1267,"component":1254},"872b1f1c-7750-4244-b187-7dd91c848ffd",{"type":15,"content":1258},[1259],{"type":18,"content":1260},[1261],{"text":1262,"type":22,"marks":1263},"If you claim 0 allowances on your W-4 tax form but still end up owing taxes, it is likely because you indicated you are married. Claiming 0 allowances tells your employer to withhold taxes as if you are the only income earner in your household. However, if you and your spouse both work, your combined income may reach a higher tax bracket that requires more taxes to be paid throughout the year. When two working spouses each claim 0 allowances, it can result in insufficient tax withholding and a tax bill at filing time. The solution is to properly account for both incomes by adjusting your W-4 allowances and tax withholding to cover your actual total household income and tax bracket. Discussing your options with a tax professional can help ensure you have the right amount of taxes set aside from your paychecks.",[1264],{"type":129,"attrs":1265},{"color":1266},"rgb(41, 38, 27)","Why would I owe taxes if I claim 0?",{"_uid":1269,"text":1270,"title":1303,"component":1254},"f216023e-4d02-4cfb-8c86-498ec54f47c0",{"type":15,"content":1271},[1272,1276],{"type":18,"content":1273},[1274],{"text":1275,"type":22},"If you usually get a tax refund but find you owe taxes this year instead, some potential reasons include:",{"type":1207,"attrs":1277,"content":1278},{"order":1209},[1279,1285,1291,1297],{"type":770,"content":1280},[1281],{"type":18,"content":1282},[1283],{"text":1284,"type":22},"Unemployment Benefits - Any unemployment compensation you received must be included as taxable income. This additional income could push you into a higher tax bracket.",{"type":770,"content":1286},[1287],{"type":18,"content":1288},[1289],{"text":1290,"type":22},"Job Change - Starting a new job requires filling out a W-4 form to determine tax withholding. Inaccurate withholding could result in insufficient taxes paid.",{"type":770,"content":1292},[1293],{"type":18,"content":1294},[1295],{"text":1296,"type":22},"Investment Sales - Selling stocks, bonds or other investments at a profit triggers capital gains taxes. Not accounting for these taxes can leave you with a tax bill.",{"type":770,"content":1298},[1299],{"type":18,"content":1300},[1301],{"text":1302,"type":22},"Side Hustle Income - Freelance, contract or gig work counts as taxable self-employment income. Unlike an employer, taxes are not withheld on these earnings throughout the year.","Why do I owe taxes this year when nothing changed?",[1305],{"_uid":1306,"image":1307,"title":1314,"component":1328,"breadcrumbs":558,"hideHeroImage":543},"c841f53b-e4cc-4c2e-b12a-531fade301a2",{"id":1308,"alt":1309,"name":12,"focus":12,"title":1310,"source":12,"filename":1311,"copyright":12,"fieldtype":804,"meta_data":1312,"content_type":1313,"is_external_url":543},12171788,"Two women sitting at a table discussing and some forms on the table","Why do I owe state taxes","https://a.storyblok.com/f/185166/4085x2724/225d26ac05/why-do-i-owe-state-taxes-but-not-federal.webp",{},"webp",{"type":15,"content":1315},[1316],{"type":18,"content":1317},[1318,1320,1326],{"text":1319,"type":22},"Why do I ",{"text":1321,"type":22,"marks":1322},"owe state taxes",[1323],{"type":25,"attrs":1324},{"class":1325},"primary-gradient",{"text":1327,"type":22},"? Understanding your tax obligations","app-hero",{"name":1330,"created_at":1331,"published_at":1332,"updated_at":1333,"id":1334,"uuid":1335,"content":1336,"slug":1347,"full_slug":1348,"sort_by_date":34,"position":1349,"tag_list":1350,"is_startpage":543,"parent_id":1351,"meta_data":34,"group_id":1352,"first_published_at":1353,"release_id":34,"lang":730,"path":34,"alternates":1354,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Sam Becker","2025-01-10T11:51:14.455Z","2025-01-30T14:52:03.039Z","2025-01-30T14:52:03.057Z",607154682,"09bb7221-6f0c-4658-b848-7e36ebcd0bad",{"job":1337,"_uid":1338,"name":1330,"image":1339,"component":1343,"education":1344,"expertise":1345,"description":1346},"Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1340,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1341,"copyright":12,"fieldtype":804,"meta_data":1342,"is_external_url":543},19801714,"https://a.storyblok.com/f/185166/718x589/9ca4a8253d/sam-becker.png",{},"article-author","Washington State University, BA in Broadcast Journalism","Sam's work has appeared in Fortune, CNBC, Fast Company, Seattle Business Magazine and more.\nHe co-founded Overcast Merch in 2010, which is now a multi-million dollar operation in Southern California. ","Sam Becker is a freelance writer and journalist based near New York City. He is a native of the Pacific Northwest and a graduate of Washington State University. He has worked as a business and finance journalist and writer for more than a decade, working with media publications, brands, and experts in the field","sam-becker","authors/sam-becker",-30,[],224651374,"b6843cc0-0c6f-4c2c-9be0-fa917cc6d63e","2025-01-10T11:52:17.156Z",[],[1356,1376],{"_uid":1357,"body":1358,"title":1374,"component":1375},"b9d6a81d-166f-4278-854e-c83ab332d94a",[1359,1363,1367,1371],{"_uid":1360,"href":1361,"text":1362,"component":542,"openInNewWindow":558},"fc766e78-4d75-419c-9b1d-f39146eb00cf","unbiased.com/discover/taxes/the-nine-states-with-no-state-tax","States with no state tax",{"_uid":1364,"href":1365,"text":1366,"component":542,"openInNewWindow":558},"77a8a2e4-cc4d-4c12-a4c2-d0c7a94b1583","unbiased.com/discover/taxes/how-to-avoid-estate-tax","How to avoid estate tax",{"_uid":1368,"href":1369,"text":1370,"component":542,"openInNewWindow":558},"8b69a4a9-fbe6-440a-92dd-8cf3867fb296","unbiased.com/discover/taxes/tax-in-alaska-a-complete-guide","Alaska tax guide",{"_uid":1372,"href":537,"text":1373,"component":542,"openInNewWindow":558},"44505168-a298-42fe-b9df-14a4bb63265b","Calculate your capital gains tax","Related to this article","app-links-list",{"_uid":1377,"list":1378,"cta_link":799,"cta_text":1379,"component":1380,"window_label":12,"window_title":1381},"70e3a2c7-d76d-4172-b45e-3e46a0f7da0e","Match with a financial advisor and start getting expert financial and tax advice. ","Connect with an advisor now","app-banner",{"type":15,"content":1382},[1383],{"type":18,"content":1384},[1385],{"text":1386,"type":22},"Need help with your taxes?",{"title":1388,"plugin":1389,"og_image":12,"og_title":12,"description":1390,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"Why do I owe state taxes? Understanding state vs federal tax obligations","seo_metatags","Learn why you might owe state taxes even when your federal taxes are paid. Explore the difference between state and federal tax systems and how to reduce your tax liability.","app-article",[],[],"State tax obligations may differ from federal tax liabilities. Learn why and how to manage them effectively.",[],"why-do-i-owe-state-taxes-but-not-federal","discover/taxes/why-do-i-owe-state-taxes-but-not-federal",-2800,[],224651381,"31761ac8-739f-4351-9e29-9f580f7476f9","2023-10-27T18:02:39.975Z",[],{"left":727,"top":727,"width":1405,"height":1405,"rotate":727,"vFlip":543,"hFlip":543,"body":1406},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1408,1411,1412],{"title":1409,"exact":558,"href":1410},"Home","https://www.unbiased.com",{"title":453,"exact":558,"to":466,"disabled":543},{"title":750,"exact":558,"to":1413,"disabled":558},"/discover/taxes/why-do-i-owe-state-taxes-but-not-federal",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1415},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777540342936]