New York (NY) Paycheck Calculator

New York has 9 income tax brackets for 2026. Chapter 59, Laws of 2025 (Part A) reduced the five lowest rates by 0.1 percentage point each, effective January 1, 2026. For single filers, the 2026 rates are: 3.9% (up to $8,500), 4.4% ($8,500–$11,700), 5.15% ($11,700–$13,900), 5.4% ($13,900–$80,650), 5.9% ($80,650–$215,400), 6.85% ($215,400–$1,077,550), 9.65% ($1,077,550–$5M), 10.3% ($5M–$25M), and 10.9% above $25M. Source: NY Dept. of Taxation and Finance.

The New York State standard deduction for 2025/2026 is $8,000 for single and married filing separately filers, $16,050 for married filing jointly, and $11,200 for head of household filers. New York taxpayers may also choose to itemize using New York Form IT-196 if their itemized deductions exceed the standard deduction — this calculator uses the standard deduction. Source: NY Tax Law § 614; tax.ny.gov.

Yes. New York City residents pay a separate city income tax in addition to New York State tax. NYC income tax rates range from 3.078% to 3.876% on New York City taxable income. Yonkers residents pay a Yonkers surcharge as well. This calculator models New York STATE income tax only. If you live in New York City, your total tax burden will be higher by approximately 3–4% of taxable income.

Yes. New York taxes New York Adjusted Gross Income (NY AGI), which closely approximates federal AGI for W-2 employees. Pre-tax 401(k) contributions reduce your federal AGI and therefore your NY AGI and NY income tax. On a $90,000 salary, a 6% 401(k) contribution reduces NY taxable income by approximately $5,400, saving around $319 in NY state tax ($5,400 × 5.9% marginal rate).

Chapter 59, Laws of 2025 cut the five lowest NY state income tax rates by 0.1 percentage point each, effective January 1, 2026. The top four rates (6.85%, 9.65%, 10.3%, 10.9%) are unchanged. For a single filer earning $80,000, the 2026 reduction saves approximately $80 per year ($80,650 × 0.001, since the 5.4% bracket — down from 5.5% — applies to most of that income range). Lower-income earners see a proportionally similar percentage benefit.

This calculator uses the IRS Publication 15-T percentage method (annualized wages, post-2020 W-4). Your annual salary is reduced by any pre-tax deductions you enter, then by the federal standard deduction for your filing status. The resulting federal taxable income is run through the 2026 federal income tax brackets to get the annual withholding, which is divided by your pay periods.

Social Security is 6.2% of your gross wages up to the 2026 wage base of $184,500. Medicare is 1.45% of all wages with no cap. High earners (above $200,000 for single filers, $250,000 for married filing jointly) also owe an Additional Medicare surtax of 0.9% on wages above that threshold. These are the employee shares; your employer pays a matching amount separately.

Yes. Traditional 401(k) contributions reduce your federal taxable income (and therefore your federal income tax withholding). They also reduce the tax base in most states, including New York. Roth 401(k) contributions are post-tax and do not reduce current-year tax.

This calculator covers federal income tax, FICA (Social Security + Medicare), and New York state income tax. It does not include: Excludes New York City income tax (3.078%–3.876% for NYC residents) and Yonkers surcharge. NYC residents should add city tax on top of this estimate. NY SDI (State Disability Insurance) and PFML (Paid Family and Medical Leave) payroll contributions are also excluded. It is an estimate for budgeting purposes — your employer's actual payroll system and your W-4 elections determine your exact withholding.

Your marginal tax rate is the rate that applies to your last dollar of income (the highest bracket you fall into). Your effective tax rate is your total taxes divided by your gross salary — it is always lower than your marginal rate because lower income is taxed at lower bracket rates. The effective rate shown here includes federal income tax, FICA, and state income tax.