Calculate your take-home pay in The Empire State. New York income tax rate: 10.9%.
New York has nine tax brackets ranging from 4% to 10.9%. New York City residents pay an additional 3.078% to 3.876% city income tax, and Yonkers residents pay a 16.75% surcharge on their state tax. The combined NYC rate can exceed 14%. The state standard deduction is $8,000 for single filers.
| Item | Per Paycheck | Monthly | Annual |
|---|---|---|---|
| Gross Pay | - | - | - |
| Federal Income Tax | - | - | - |
| New York State Tax | $0 | $0 | $0 |
| Social Security | - | - | - |
| Medicare | - | - | - |
| 401(k) + Pre-Tax | - | - | - |
| Take-Home Pay | - | - | - |
New York has a progressive income tax with a top rate of 10.9%. This calculator estimates your take-home pay after federal income tax, state income tax, Social Security, Medicare, and any pre-tax deductions like 401(k) contributions. Enter your salary or hourly wage above to see a detailed breakdown of your paycheck.
New York State has eight brackets ranging from 4% to 10.9%. The 10.9% rate applies to income above $25 million. New York City residents pay an additional city income tax of 3.078% to 3.876%, and Yonkers residents pay a surcharge of 16.75% of their state tax. A New York City resident in the top bracket faces a combined state and city rate of nearly 14.8%, among the highest total income tax burdens in the nation. Upstate New York residents pay only the state rate.
Regardless of state taxes, all New York workers pay federal income tax using the 2026 brackets: 10% on the first $11,925 of taxable income (single), 12% up to $48,475, 22% up to $103,350, 24% up to $197,300, 32% up to $250,525, 35% up to $626,350, and 37% on income above that. The standard deduction is $15,000 for single filers and $30,000 for married filing jointly in 2026.
All workers in New York pay Social Security tax at 6.2% on wages up to $176,100 (2026) and Medicare tax at 1.45% on all wages. An additional 0.9% Medicare surtax applies to wages over $200,000 for single filers. These federal payroll taxes apply uniformly regardless of which state you live in.
Pre-tax deductions reduce your taxable income for both federal and state purposes. Contributing to a 401(k) (up to $24,500 in 2026, plus $8,000 catch-up if 50+) lowers both your federal and NY state tax bill. Health Savings Account (HSA) contributions ($4,300 individual, $8,550 family in 2026) are also pre-tax. Review your W-4 withholding: if you receive a large refund each year, you may be overwithholding, which means less money in each paycheck. The Tax Bracket Calculator shows your federal marginal and effective rates.
New York State income tax runs from 4% to 10.9%. New York City adds its own income tax of 3.078-3.876% on top. A NYC resident earning $100,000 pays roughly $4,500 in state tax plus $3,200 in city tax before federal taxes. If you live in NYC, make sure to use the specific New York calculator which accounts for both layers.