State calculator · New York · Tax year 2026
New York paycheck calculator
New York stacks a nine-bracket state tax on top of federal withholding, then adds small disability and paid-leave premiums. Enter a salary to see the deposit — and what New York City would add.
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2026 ratesInputs stay in your browser. The link updates as you type so you can bookmark or share a scenario.
Take-home pay
$0 per biweekly paycheck
Annual take-home: $0
- Take-home
- Federal
- FICA
- State
- 401(k)
Federal income tax, FICA and New York state withholding. 401(k) is pre-tax, so it lowers income tax but not FICA.
Updated for tax year 2026
Deduction breakdown
| Line item | Amount |
|---|
What comes out of a New York paycheck
New York withholds six lines: federal income tax, Social Security, Medicare, New York State income tax, State Disability Insurance and Paid Family Leave. The last two are small but they are on every paycheck, and most paycheck calculators omit them.
Single filer, $75,000, no 401(k) contribution, 2026 rates:
| Line item | Annual | Biweekly |
|---|---|---|
| Federal income tax | −$7,670 | |
| Social Security (6.2%) | −$4,650 | |
| Medicare (1.45%) | −$1,088 | |
| New York State income tax | −$3,453 | |
| NY SDI (0.5%) | −$31 | |
| NY PFL (0.432%) | −$324 | |
| Annual take-home | $57,784 | $2,222 |
New York State takes $3,808 all in, 5.08% of gross. That is meaningfully less than California at the same salary — $3 more stays in the account — mainly because New York's standard deduction is $8,000 against California's $5,876 and its middle rates are lower.
2026 New York brackets
Nine rates run from 3.9% to 10.9%. Each filing status has its own thresholds, and head of household is not a copy of the single schedule.
| Taxable income (single / married filing separately) | Rate |
|---|---|
| $0 – $8,500 | 3.9% |
| $8,500 – $11,700 | 4.4% |
| $11,700 – $13,900 | 5.15% |
| $13,900 – $80,650 | 5.4% |
| $80,650 – $215,400 | 5.9% |
| $215,400 – $1,077,550 | 6.85% |
| $1,077,550 – $5,000,000 | 9.65% |
| $5,000,000 – $25,000,000 | 10.3% |
| Over $25,000,000 | 10.9% |
| Taxable income (married filing jointly) | Rate |
|---|---|
| $0 – $17,150 | 3.9% |
| $17,150 – $23,600 | 4.4% |
| $23,600 – $27,900 | 5.15% |
| $27,900 – $161,550 | 5.4% |
| $161,550 – $323,200 | 5.9% |
| $323,200 – $2,155,350 | 6.85% |
| $2,155,350 – $5,000,000 | 9.65% |
| $5,000,000 – $25,000,000 | 10.3% |
| Over $25,000,000 | 10.9% |
| Taxable income (head of household) | Rate |
|---|---|
| $0 – $12,800 | 3.9% |
| $12,800 – $17,650 | 4.4% |
| $17,650 – $20,900 | 5.15% |
| $20,900 – $107,650 | 5.4% |
| $107,650 – $269,300 | 5.9% |
| $269,300 – $1,616,450 | 6.85% |
| $1,616,450 – $5,000,000 | 9.65% |
| $5,000,000 – $25,000,000 | 10.3% |
| Over $25,000,000 | 10.9% |
The New York standard deduction is $8,000 for single and married-filing-separately, $16,050 joint and $11,200 for head of household. Unlike the federal system, New York gives no personal exemption for the taxpayer or spouse.
The 2026 rate cut
New York lowered the five lowest rates by 0.1 percentage point for 2026, under Chapter 59 of the Laws of 2025. The 3.9%, 4.4%, 5.15%, 5.4% and 5.9% tiers used to read 4.0%, 4.5%, 5.25%, 5.5% and 6.0%. The four top rates — 6.85%, 9.65%, 10.3% and 10.9% — were not touched, and further reductions are scheduled for 2027.
The practical effect on a $75,000 salary is about $75 — real, but small enough that most people will not notice it in a paycheck.
New York City and Yonkers
New York is the one state where city residence can dominate the calculation. Residents of the five boroughs pay a separate New York City personal income tax of 3.078% to 3.876% on top of the state schedule. At $100,000 that adds roughly $3,600 a year.
Yonkers residents pay a surcharge of about 16.75% of their state tax liability instead. Commuters who live in New Jersey or Connecticut and work in the city pay no NYC tax, but they do owe their home state.
This calculator models New York State only. If you live in New York City, subtract another 3.078%–3.876% from the take-home figure above — roughly $3,876 on a $100,000 salary.
Benefit recapture above $107,650
New York claws back the benefit of its lower brackets once New York adjusted gross income passes $107,650. The mechanism is a supplemental tax computation rather than a bracket change, so a simple marginal calculation understates liability at higher incomes.
At $250,000 single, this calculator returns $13,962 of state tax, an effective 5.58%. A return that includes recapture will typically land somewhat higher. Pre-tax deferrals that pull income back under the threshold are worth more than the headline rate suggests, which is why 401(k) contributions matter more in New York than in a flat-tax state.
A note on the two payroll lines
SDI is 0.5% of wages capped at $0.60 a week, so it stops at about $31 a year for anyone earning more than roughly $6,240. Paid Family Leave is 0.432% of the weekly wage, capped at $412 a year — reached at about $95,350 of annual wages. Below that, the PFL deduction scales with pay; above it, the cap applies.
Frequently asked questions
What is the New York State income tax rate for 2026?
Nine brackets from 3.9% to 10.9%. A single filer reaches the 5.9% bracket at $80,650 of taxable income and 6.85% at $215,400.
Does this calculator include New York City tax?
No. It models New York State plus SDI and PFL. NYC residents should subtract an additional 3.078% to 3.876% of taxable income.
How much is NY SDI and PFL on a paycheck?
SDI is 0.5% of wages capped at $0.60 a week, about $31 a year. PFL is 0.432% of weekly wages capped at $412 a year.
Why is New York take-home higher than California at the same salary?
At $75,000 single, New York leaves about $3 more per year. New York's standard deduction is larger and its middle rates are lower than California's 8% and 9.3% tiers.
What is New York's tax-table benefit recapture?
A supplemental computation that reduces the value of the lower brackets once New York AGI exceeds $107,650. It raises tax slightly above what a plain bracket calculation produces for high earners.
I live in New Jersey and work in Manhattan. Which state taxes me?
New Jersey taxes your wages as your state of residence, and you claim a credit for tax paid to New York. You do not pay NYC resident tax, because that applies to residents only.
Sources
- New York State Department of Taxation and Finance — 2026 income tax brackets and standard deduction
- Chapter 59 of the Laws of 2025 — 2026 reduction of the five lowest rates
- New York State Department of Financial Services — 2026 PFL rate (0.432%, $411.91 cap)
- New York Workers' Compensation Board — SDI employee contribution
- IRS Publication 15 (2026), Circular E — federal withholding and FICA rates
This page is educational and is not tax, legal or financial advice. Withholding depends on your Form W-4 and can differ from the annual figure shown here. Verify figures with the New York State Department of Taxation and Finance or the IRS or a qualified tax professional.
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