New York Paycheck & Income Tax Calculator

How New York income tax works

New York runs nine brackets, from 3.9% on the first $8,500 up to 10.9% on income above $25,000,000. A single filer subtracts a standard deduction of $8,000 before any of it applies.

That deduction is worth noting, because it is unusually small. New York sets it in Tax Law § 614 as a fixed figure with no inflation adjustment, so at $8,000 it is now barely half the federal $16,100. More of a New York salary is exposed to state tax than the bracket rates alone suggest.

Two employee-funded programs also come out of every payslip — Paid Family Leave at 0.432% and disability insurance at 0.5% — and both are included in the breakdown above.

The 2026 rate reduction

New York cut taxes this year, and the change is easy to miss because it applies only to the lower bands.

Chapter 59 of the Laws of 2025 (Part A) reduced each of the bottom five rates by 0.1 percentage point for 2026. The Department of Taxation and Finance’s own withholding publication, NYS-50-T-NYS (1/26), carries the new figures directly:

A further 0.1 point reduction is scheduled for 2027. The upper bands are unchanged — the temporary high-earner rates of 9.65%, 10.3% and 10.9% have been extended through 2032.

For most earners the saving is modest, in the region of $60 to $70 a year on a typical salary. Anything quoting 4% as New York’s bottom rate is describing 2025.

What New York City adds

New York City charges its own resident income tax, from 3.078% to 3.876%, on the same taxable income as the state. It reaches the top city rate at just 0,000 of taxable income for a single filer, so most working New Yorkers pay close to the maximum.

It is not in the figures on this page, because it depends on where you live. It has its own page instead: the New York City paycheck calculator runs the same state figures and adds the city tax and its school tax credit. On a 5,000 salary, a single city resident takes home $2,263 a year less than the figures above show. That is several times the whole of the 2026 state rate cut.

The city tax follows residence, not workplace. Commuting into Manhattan from New Jersey or Long Island does not attract it; living in Brooklyn and working remotely does. Yonkers charges a separate surcharge on top of state tax, which neither page covers. Everywhere else in the state, the figures below are complete.

Take-home pay at every salary in New York

After federal tax, state tax, FICA, PFL and SDI. New York City resident tax is not included: for the five boroughs, use the New York City calculator.

What lands in your account each payday

On $75,000 a year in New York, filing single, split across the pay schedules employers actually use.

If you live in New Jersey or Connecticut

New York taxes income earned within the state regardless of where you live, and for a large commuting population that is the fact which decides everything.

Income tax follows where the work is performed. Live in Hoboken or Stamford and work in Manhattan, and New York taxes those wages as a non-resident. Your home state then taxes you as a resident and grants a credit for the New York tax paid — but the credit is capped at what your home state would have charged. Because New York’s rates are generally the higher of the pair, the practical result is that you pay New York’s rate and your home state collects little or nothing on those wages.

The saving from living in New Jersey is therefore not on income tax at all. It is on New York City resident tax, which you avoid entirely, plus whatever difference in property tax and housing cost applies.

New York also applies a “convenience of the employer” rule to remote work, which can treat days worked at home for a New York employer as New York days. If you work remotely for a New York firm from another state, that is worth confirming rather than assuming.

Dates that matter for the 2026 tax year

New York returns (Form IT-201 for residents) are due April 15, 2027, matching the federal deadline. New York City tax is reported on the same state return rather than separately. Estimated payments, if required, fall quarterly in April, June, September and the following January.

Questions people ask

What are the New York income tax rates for 2026?

Nine brackets running from 3.9% to 10.9%. The bottom five rates were each reduced by 0.1 percentage point for 2026 under Chapter 59 of the Laws of 2025 — so 4% became 3.9%, 4.5% became 4.4%, 5.25% became 5.15%, 5.5% became 5.4% and 6% became 5.9%. A further reduction is scheduled for 2027.

Does this calculator include New York City tax?

No. New York City charges its own resident income tax of 3.078% to 3.876% on top of the state's, so it has its own calculator: the New York City paycheck calculator on this site. On a $75,000 salary a single city resident pays $2,263 of city tax in 2026, after the school tax credit. Yonkers charges a separate surcharge that neither page covers.

What are PFL and SDI on my New York payslip?

Two employee-funded state programs. Paid Family Leave is 0.432% of wages for 2026, capped at $411.91 a year. Disability insurance is 0.5% of wages capped at 60 cents a week, so $31.20 a year. Both are included in the figures above.

What is the New York standard deduction?

$8,000 for a single filer and $16,050 filing jointly. It is set in Tax Law § 614 and is not indexed to inflation, so it has been unchanged for several years and is well below the federal figure of $16,100.

I live in New Jersey and work in New York — who taxes me?

New York does, on the income you earn there, because income tax follows where the work is performed. New Jersey then taxes you as a resident and grants a credit for the New York tax paid, capped at what New Jersey would have charged. Since New York rates are generally higher, you effectively pay New York's.

Is my data sent anywhere?

No. The calculation runs entirely in your browser. There is no account, and the salary you type is never sent to a server or stored. It never leaves your device.