New York After Tax Income Calculator 2026
Calculate Your NY Take-Home Pay with State & NYC Local Taxes
Based on NY Tax Dept & IRS 2026 rates
Enter Your Income Information
Your 2026 New York Paycheck Breakdown
Paycheck Distribution
How New York Income Tax Works
- Calculate Gross Income: Start with your total annual salary before any deductions.
- Subtract Pre-Tax Deductions: 401(k), health insurance, HSA, and FSA contributions reduce taxable income.
- Apply Federal Tax Brackets: Calculate federal income tax using 2026 IRS tax brackets (10%-37%).
- Apply NY State Tax: New York has 9 tax brackets ranging from 4% to 10.9%.
- Apply Local Tax (if applicable): NYC residents pay 3.08%-3.88% extra; Yonkers residents pay ~1.61%.
- Calculate FICA: Social Security (6.2% up to $176,100) + Medicare (1.45%, plus 0.9% over $200K).
- Calculate Take-Home: Gross minus all taxes equals your New York net pay.
New York Tax Calculation Formulas
Take-Home Pay Formula
NY State Tax
NYC Local Tax
Effective Tax Rate
2026 New York State Tax Brackets
| Rate | Single / MFS | Married Filing Jointly | Head of Household |
|---|---|---|---|
| 4% | $0 - $8,500 | $0 - $17,150 | $0 - $12,800 |
| 4.5% | $8,500 - $11,700 | $17,150 - $23,600 | $12,800 - $17,650 |
| 5.25% | $11,700 - $13,900 | $23,600 - $27,900 | $17,650 - $20,900 |
| 5.5% | $13,900 - $80,650 | $27,900 - $161,550 | $20,900 - $107,650 |
| 6% | $80,650 - $215,400 | $161,550 - $323,200 | $107,650 - $269,300 |
| 6.85% | $215,400 - $1,077,550 | $323,200 - $2,155,350 | $269,300 - $1,616,450 |
| 9.65% | $1,077,550 - $5,000,000 | $2,155,350 - $5,000,000 | $1,616,450 - $5,000,000 |
| 10.3% | $5M - $25M | $5M - $25M | $5M - $25M |
| 10.9% | Over $25M | Over $25M | Over $25M |
NYC Local Income Tax Rates
| Rate | Single | Married Filing Jointly |
|---|---|---|
| 3.078% | $0 - $12,000 | $0 - $21,600 |
| 3.762% | $12,000 - $25,000 | $21,600 - $45,000 |
| 3.819% | $25,000 - $50,000 | $45,000 - $90,000 |
| 3.876% | Over $50,000 | Over $90,000 |
Yonkers: ~1.61% surcharge on NY state tax (16.75% of state tax)
2026 Federal Tax Brackets
| Rate | Single | Married Filing Jointly |
|---|---|---|
| 10% | $0 - $11,925 | $0 - $23,850 |
| 12% | $11,925 - $48,475 | $23,850 - $96,950 |
| 22% | $48,475 - $103,350 | $96,950 - $206,700 |
| 24% | $103,350 - $197,300 | $206,700 - $394,600 |
| 32% | $197,300 - $250,525 | $394,600 - $501,050 |
| 35% | $250,525 - $626,350 | $501,050 - $751,600 |
| 37% | Over $626,350 | Over $751,600 |
Official Resources
Frequently Asked Questions
New York has 9 progressive tax brackets ranging from 4% to 10.9%. Most earners fall in the 5.5%-6.85% range. The highest rates (9.65%-10.9%) apply to incomes over $1 million. NYC residents pay an additional 3.08%-3.88% local tax.
Yes! NYC residents pay an additional local income tax of 3.078%-3.876% on top of NY state tax. At $100K income, this adds approximately $3,800 in additional taxes compared to living upstate. This is one of the highest local tax burdens in the country.
Yonkers residents pay a surcharge equal to 16.75% of their NY state tax. For example, if your NY state tax is $5,000, you'd pay an additional $837.50 to Yonkers. This is calculated as a percentage of state tax, not income.
New York has the 4th highest state income tax rate. California tops at 13.3%, followed by Hawaii (11%), New Jersey (10.75%), then New York (10.9%). However, NYC residents with the local tax have among the highest combined state+local rates in the nation.
Yes. New York's 2026 standard deduction is approximately $8,000 (single), $16,050 (married filing jointly), and $11,200 (head of household). You can also itemize if your deductions exceed these amounts. High earners see reduced deductions.
Partially. NY exempts up to $20,000 of pension income for those 59½ or older. Social Security is fully exempt from NY state tax. 401(k) and IRA distributions are generally taxable. Government pensions are fully exempt.
Maximize pre-tax contributions: 401(k) up to $23,500, HSA if eligible. NY follows federal deductions for retirement accounts. Consider municipal bonds for tax-free income. If remote working, you may establish residency in a no-tax state like Florida.
File federal Form 1040, then NY Form IT-201 (resident) or IT-203 (part-year/nonresident). NYC residents also file NYC Schedule A. Most can e-file for free through NY Free File if income is under $79,000. Use NY Online Services for direct access.
NY state taxes are due April 15th, same as federal. Extension is available until October 15th but only extends filing, not payment. Estimated taxes are due quarterly: April 15, June 15, September 15, and January 15. Underpayment penalties apply.
Substantial savings! At $150K income: NY state tax ≈ $8,500 + NYC tax ≈ $5,600 = ~$14,100 total. Florida: $0. That's $1,175/month extra take-home. Many remote workers have relocated post-2020 for exactly this reason.
Created by OmniCalculator.space — Your trusted source for tax calculators.
Last Updated: January 2025 | Projected 2026 Tax Rates