New York Paycheck Calculator (2026)
New York is the rare state that taxes your paycheck twice: once for Albany, once for New York City. The state brackets run from 3.9% to 10.9%, and NYC adds its own 3.078%–3.876% on top (2026 figures below; confirmed against NYC Department of Finance). Nobody else in the top 10 states does this — which is why a New York paycheck needs its own math.
Run your exact salary in our US Take-Home Pay Calculator — it applies these New York brackets automatically.
2026 New York income tax brackets (single)
2026 single-filer schedule (standard deduction $8,000 single / $16,050 married filing jointly; source: Tax Foundation, "2026 State Individual Income Tax Rates and Brackets," as of January 2026):
| Taxable income over | Rate |
|---|---|
| $0 | 3.9% |
| $8,500 | 4.4% |
| $11,700 | 5.15% |
| $13,900 | 5.4% |
| $80,650 | 5.9% |
| $215,400 | 6.85% |
| $1,077,550 | 9.65% |
| $5,000,000 | 10.3% |
| $25,000,000 | 10.9% |
Rates apply marginally — only income within each band is taxed at that rate.
Worked example: $75,000 salary, single filer, 2026 (state tax only; NYC extra below)
Federal (2026: $16,100 standard deduction, single; brackets per IRS Rev. Proc. 2025-32): taxable $58,900 → federal income tax $7,670 (10% × $12,400 = $1,240; 12% × $38,000 = $4,560; 22% × $8,500 = $1,870).
FICA: 6.2% × $75,000 = $4,650; 1.45% × $75,000 = $1,087.50 → $5,737.50 (under the 2026 $184,500 wage base).
New York: $75,000 − $8,000 standard deduction = $67,000 taxable:
| Bracket | Calculation | Tax |
|---|---|---|
| 3.9% to $8,500 | $8,500 × 3.9% | $331.50 |
| 4.4% to $11,700 | $3,200 × 4.4% | $140.80 |
| 5.15% to $13,900 | $2,200 × 5.15% | $113.30 |
| 5.4% to $67,000 | $53,100 × 5.4% | $2,867.40 |
| New York tax | $3,453.00 |
| Amount | |
|---|---|
| Gross pay | $75,000 |
| Federal income tax | −$7,670 |
| FICA | −$5,738 |
| New York income tax | −$3,453 |
| Take-home (before NYC tax) | $58,139 |
Excludes New York State disability and Paid Family Leave payroll deductions, which appear as separate lines on your pay stub.
What changes at $150,000
The same single filer at $150,000 in 2026: federal income tax $24,734 (taxable $133,900 → 10% × $12,400 = $1,240; 12% × $38,000 = $4,560; 22% × $55,300 = $12,166; 24% × $28,200 = $6,768) and FICA $11,475 ($9,300 Social Security + $2,175 Medicare — still under the $184,500 wage base).
| $75,000 salary | $150,000 salary | |
|---|---|---|
| New York income tax | $3,453 | $7,810 |
| Take-home | $58,139 | $105,981 |
The progressive brackets bite harder at $150,000: the state's share rises from 4.6% to 5.2% of gross — before any NYC tax, which would widen the gap further.
Local taxes: New York City's own income tax
If you live in New York City, add the city's own income tax on top: 3.078% to 3.876% across city brackets in 2026 (NYC Department of Finance, Tax Expenditure Report FY 2025; unchanged for 2026; checked 2026-10-10). On $75,000 that's roughly another $2,300–$2,600 — the single biggest local-tax hit on any paycheck in America. Yonkers levies a smaller surcharge too. Live outside the city and this line is zero.
Final pay & PTO rules
New York keeps it simple: whether you're fired or you quit, your final paycheck is due on the next regular payday — there's no "pay me today" rule like in California. And unused vacation only has to be paid out if your employer has a written policy or established practice of doing so. New York does have a statewide paid sick leave law: employers with 5 to 99 workers must provide at least 40 hours of paid sick leave per year, while those with 100 or more must provide 56 hours. The smallest employers (under 5 workers) owe paid leave only if their net income topped $1 million in the previous tax year.
Sources: New York State Department of Labor — Paid Sick Leave FAQs (ny.gov); final-pay timing per N.Y. Labor Law § 191(3). Checked 2026-10-10.
FAQ
How much does NYC tax really add? Roughly $2,300–$2,600 on a $75,000 salary at 2026 city rates — on top of the ~$3,453 state tax. It's the main reason NYC take-home trails the rest of the state by several thousand dollars.
I live in New Jersey but work in New York. Who taxes me? New York taxes the wages (that's where the work happens); New Jersey gives you a credit for taxes paid to New York so you're not double-taxed. File in both states.
Does New York have a separate bonus withholding rate? New York uses supplemental withholding tables rather than a single flat rate — your employer looks it up rather than applying 22% like the feds. See our bonus guide for the federal side.
Why does the state table start at 4% instead of a lower rate? New York never had a token bottom bracket — 4% is the lowest rate, and it applies from the first dollar of taxable income. Combined with the $8,000 standard deduction, low earners still pay relatively little in absolute dollars.
Should I move across the river to save tax? The NYC-to-NJ commuter math is real but smaller than people think: you escape the city tax but New Jersey has its own (progressive, up to 10.75%). Run both scenarios before deciding anything.
At what income does New York's tax really start to hurt? It's proportional, but the combined state-plus-city marginal rate climbs past 14% at high incomes — the highest combined bite on wages anywhere in the U.S. Below six figures the dollar amounts are moderate; the pain scales with income, which is exactly what progressive brackets do.
Data sources
- State brackets/deduction: Tax Foundation, "2026 State Individual Income Tax Rates and Brackets" (as of January 2026), as implemented in this site's calculator.
- NYC rates: NYC Department of Finance, Tax Expenditure Report FY 2025 (3.078%–3.876%; unchanged for 2026; checked 2026-10-10).
- Federal: IRS Rev. Proc. 2025-32 (IR-2025-103, Oct 9, 2025); 2026 standard deduction $16,100 single.
- FICA: SSA 2026 — 6.2% to $184,500 wage base; 1.45% Medicare.
Estimates only, not tax advice.