Worth the Switch?

What your time is actually worth

What this does and doesn't know

All 50 states and DC use real 2026 brackets, standard deductions, and personal exemptions — not a blended rate. Source: the Tax Foundation's 2026 rates and brackets tables, current as of February 2026.

Maryland has a full county picker with verified 2026 rates, running 2.25% in Worcester to 3.30% in Dorchester and Kent. Everywhere else, the county field is prefilled with the state average — almost never your actual rate, so use the lookup link.

Assumes the standard deduction, no itemizing, and no credits beyond the standard personal exemption. Head of household uses single-filer brackets at the state level, since most states treat them alike.

Deduction phase-outs are applied for Connecticut, Wisconsin, Utah, and Maine, along with Connecticut's low-bracket recapture. Its flat high-income surcharges are not.

Driving costs count gas and upkeep only — the money you stop spending if you stop commuting. The IRS business rate (76¢/mile since July 2026) is higher because it bundles depreciation and insurance, which you largely pay whether you drive to an office or not.

Treat the output as a range. If it lands within about 2% of a check you already know, your inputs are right.