New York Tax Calculator

How to estimate your New York total tax bill in 2026

New York residents face federal income tax, FICA payroll taxes, progressive New York state income tax, and optional New York City local tax. This calculator estimates your 2026 total tax liability, effective rate, and annual take-home pay from adjusted gross income (AGI), filing status, and NYC residency.

For per-paycheck withholding with 401(k) and HSA deductions, use the New York paycheck calculator. For federal bracket details and dependent credits, see the income tax calculator and the FICA tax calculator.

What taxes apply to New York income

This calculator combines four major tax components on your AGI:

• Federal income tax: Progressive 2026 IRS brackets after the federal standard deduction.
• FICA taxes: Social Security at 6.2% (capped at $184,500 in 2026) and Medicare at 1.45%, plus 0.9% additional Medicare above $200,000 for single filers.
• New York state income tax: Progressive brackets from 4% to 10.9% on New York taxable income after the state standard deduction.
• NYC local income tax: Progressive brackets from 3.078% to 3.876% on gross income for New York City residents.

How New York state tax is calculated

New York taxable income subtracts the state standard deduction from your AGI:

For 2026, New York standard deductions are $8,000 (single and married filing separately), $16,050 (married filing jointly), and $11,200 (head of household). Progressive state brackets then apply to the remaining income.

NYC local tax for residents

NYC local tax uses progressive brackets applied directly to gross income, not New York taxable income. For single filers, rates start at 3.078% on income up to $12,000 and rise to 3.876% above $50,000. Married filing jointly filers use wider bracket thresholds.

Worked example: $75,000 AGI, single, not an NYC resident

Consider a single New York taxpayer with $75,000 in adjusted gross income living outside New York City:

1. Federal taxable income: $75,000 minus the 2026 federal standard deduction for single filers
2. Federal income tax: Progressive brackets applied to federal taxable income
3. FICA taxes: Social Security and Medicare on the full $75,000 AGI
4. New York taxable income: $75,000 - $8,000 = $67,000
5. New York state tax: Progressive brackets applied to $67,000
6. Estimated take-home pay: About $58,072.50 per year after all taxes

NYC residents would owe additional local tax on top of these amounts. Toggle the NYC resident option in the calculator to see the full impact.

New York tax vs. neighboring states

Compare your AGI against the New Jersey paycheck calculator, Connecticut paycheck calculator, and Massachusetts paycheck calculator to see how state and local taxes affect relocation decisions.

Frequently asked questions