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Kentucky Tax Calculator

The Kentucky (KY) Tax Calculator is updated for the 2026/27 tax year. It estimates Kentucky state income tax, federal tax, and FICA/Medicare withholdings to calculate your net take-home pay. Kentucky uses a flat income tax rate and allows limited itemized deductions, with no local income tax outside specific city jurisdictions.

This calculator supports residents, part-year residents, and nonresidents working in Kentucky, reflecting the latest tax rules and credits from the Kentucky Department of Revenue.

Quick Access Tools

Quick Kentucky Tax Calculator

Enter your annual income and filing status, then click Calculate for a quick tax estimate. Use the advanced tabs to add dependents, deductions, IRA contributions, or federal/state withholdings to refine your projection.

Input key: F Used in Federal tax calculations S Used in State tax calculations

Quick Tax Calculation Detailed Tax Calculation
Filing Information Quick Inputs Income Details Deductions & Adjustments State Options IRA, Pensions & Annuities Withholdings

Filing Information

Set your filing status, dependants and personal details so the calculator can apply the correct Federal and State rules.

Quick Inputs

Provide a summary of your income and deductions to calculate your Federal and State tax position quickly.

Income Details

Enter the specific types of income that contribute to your Federal Adjusted Gross Income.

For Schedule B

Deductions & Adjustments

Deductions & Adjustments

Include any adjustments to income that reduce your Federal/State Adjusted Gross Income.

State Options

Some states apply local income taxes in addition to State tax. Enter your local rate if it applies.

IRA, Pensions & Annuities

Enter the details for your retirement contributions and income sources, which are used to compute values on **Form 8606**. This includes contributions to traditional IRAs, 529 savings plans, and rollovers, as well as income from rental properties, farms, unemployment, and other sources. Additionally, provide information on any disaster-related distributions or IRA rollovers you’ve made, and enter your capital gain distributions if applicable. These inputs are essential for accurately calculating your total retirement-related income and determining your tax liabilities or benefits, specifically regarding IRA deductions and distributions as outlined in **Form 8606**.

Withholdings

Enter withheld amounts to calculate refund or balance due.

How to Calculate Income Tax in Kentucky for 2026/27

  1. Enter your total annual income and eligible adjustments.
  2. Select your filing status (Single, Married filing jointly, etc.).
  3. Click Calculate to view estimated Kentucky and federal taxes, deductions, and take-home pay.

Advanced Options

  • Add dependents to calculate potential credits.
  • Toggle itemized vs. standard deduction to optimize tax savings.
  • Model retirement contributions such as IRA or 401(k) adjustments.
  • Enter federal and state withholdings for refund or balance forecasts.

Related Calculators

Additional Resources

Frequently Asked Questions

Find quick answers to common Kentucky tax questions, including resident and nonresident filing rules, allowable deductions, and common credits such as the family size and education credits.

Telework in KY for an out-of-state employer

Sourcing usually follows where the work is performed; reciprocity/credits may apply.

Military pay—KY treatment

Active-duty treatment can vary; this page models W-2 wages. Check KY military guidance for exclusions.

Does Kentucky offer a retirement income exclusion?

KY allows an exclusion on qualifying retirement income up to a cap; phase rules apply.

Have feedback for KY pages?

We welcome it—use contact to suggest KY features or fixes.

Mortgage vs rent—budget with KY net

Use Mortgage and compare to your KY take-home.

Important Notes

All calculations are estimates for guidance only. Always review your return and consider professional advice when submitting official filings.