New York Paycheck Calculator

New York state income tax — what you need to know

New York has 9 brackets. NYC adds a separate city income tax (3.078%-3.876%) not modelled here.

New York uses progressive brackets — the more you earn, the higher your marginal rate climbs. The top rate is 10.9% on single-filer income above the top bracket threshold. MFJ brackets are 2× the single thresholds.

New York single-filer brackets (2026)

• $0 – $8,500: 4%
• $8,500 – $11,700: 4.5%
• $11,700 – $13,900: 5.25%
• $13,900 – $80,650: 5.5%
• $80,650 – $215,400: 6%
• $215,400 – $1,077,550: 6.85%
• $1,077,550 – $5,000,000: 9.65%
• $5,000,000 – $25,000,000: 10.3%
• above $25,000,000: 10.9%

How we compute your New York take-home

1. Start with your annual gross wage income.
2. Subtract pre-tax deductions (401(k), HSA, pre-tax insurance premiums).
3. Apply federal income tax using the 2026 projected IRS brackets + standard deduction.
4. Apply FICA: 6.2% Social Security up to $184,500 wage base, 1.45% Medicare on all wages plus 0.9% additional Medicare above the filing-status threshold.
5. Apply New York state tax per the rules above.
6. Divide by your pay frequency (weekly / bi-weekly / semi-monthly / monthly) for per-paycheck take-home.

For estimation only — state tax has nuances (local city taxes, tax credits, itemized deductions) we don't model. Always confirm with a CPA or your state's revenue department for filing.