New York Paycheck Calculator
Estimate your 2026 take-home pay in New York after federal income tax, New York state income tax, and FICA.
You keep 74% of your gross pay
Federal income taxAnnual: −$13,170.00
- Gross income
- $100,000
- Federal standard deduction
- −$16,100
- Federal taxable income
- $83,900
| Bracket | Rate | Tax |
|---|---|---|
| $0–$12,400 | 10.0% | $1,240 |
| $12,400–$50,400 | 12.0% | $4,560 |
| $50,400–$105,700 | 22.0% | $7,370 |
| Total | $13,170 | |
Source:IRS Revenue Procedure 2025-32 (drop PDF) — Section 4.01 Tax Rate Tables and Section 3.14 Standard Deduction, tax year 2026fetched June 17, 2026
State income taxAnnual: −$4,859.75
- Gross income
- $100,000
- State standard deduction
- −$8,000
- New York taxable income
- $92,000
| Bracket | Rate | Tax |
|---|---|---|
| $0–$8,500 | 3.9% | $332 |
| $8,500–$11,700 | 4.4% | $141 |
| $11,700–$13,900 | 5.15% | $113 |
| $13,900–$80,650 | 5.4% | $3,605 |
| $80,650–$215,400 | 5.9% | $670 |
| Total | $4,860 | |
Source:New York State Department of Taxation and Finance — Tax tablesfetched June 18, 2026
Social SecurityAnnual: −$6,200.00
- Wages subject to Social Security
- $100,000
$100,000 × 6.2% = $6,200
Source:SSA Office of the Chief Actuary — Contribution and Benefit Basefetched June 17, 2026
MedicareAnnual: −$1,450.00
- Wages subject to Medicare
- $100,000
$100,000 × 1.45% = $1,450Medicare has no wage cap.
Source:IRS Topic No. 751 — Social Security and Medicare withholding ratesfetched June 17, 2026
Updated June 18, 2026Source: New York State Department of Taxation and Finance — Tax tables
New York income tax, explained
New York has a progressive income tax. Under rate cuts in the enacted state budget, the lower and middle 2026 rates are 3.9%, 4.4%, 5.15%, 5.4%, and 5.9%, rising to 6.85% and then high-earner rates of 9.65%, 10.3%, and 10.9% (the top rate applying over $25 million). New York's standard deduction is $8,000 for single filers, $16,050 for married couples filing jointly, and $11,200 for heads of household.
This state-level estimate does not include two things. First, New York City and Yonkers levy their own resident income taxes (NYC up to about 3.876%) on top of the state tax — a meaningful difference if you live in the five boroughs. Second, New York applies a 'tax benefit recapture' that phases out the value of the lower brackets for high earners, which this estimate does not model. Married filing separately uses the single schedule.
New York income tax brackets (2026)
Marginal rates for single filers — each rate applies only to the income within its range.
Single filers · 2026 tax year
| Rate | Taxable income |
|---|---|
| 3.9% | $0 – $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 – $5,000,000 |
| 10.3% | $5,000,000 – $25,000,000 |
| 10.9% | $25,000,000 and up |
Example take-home pay in New York
Single filer, 2026 rates, before any pre-tax deductions.
| Salary | Federal | State | FICA | Take-home | / month |
|---|---|---|---|---|---|
| $50,000 | $3,820 | $2,103 | $3,825 | $40,252 | $3,354 |
| $75,000 | $7,670 | $3,453 | $5,738 | $58,140 | $4,845 |
| $100,000 | $13,170 | $4,860 | $7,650 | $74,320 | $6,193 |
Frequently asked questions
- What is New York's income tax rate for 2026?
- New York is progressive, with 2026 rates of 3.9% to 6.85% for most filers and high-earner rates of 9.65%, 10.3%, and 10.9% at the top. The 6.85% rate runs up to about $1.08 million of taxable income for single filers.
- Does this include New York City income tax?
- No. New York City and Yonkers charge their own resident income taxes on top of the state tax — NYC's runs up to roughly 3.876%. This calculator estimates the state tax only, so city residents take home less than shown.
- What is New York's standard deduction?
- For 2026 it is $8,000 for single filers, $16,050 for married couples filing jointly, and $11,200 for heads of household. Married filing separately uses the single amount.
Compare other states
Where you live changes your take-home pay. Compare similar states and popular no-income-taxdestinations — a common check when you’re weighing a move:
- Alabamaup to 5.0%
- Arkansasup to 3.7%
- Californiaup to 13.3%
- Connecticutup to 6.99%
- TexasNo tax
- FloridaNo tax
Side-by-side comparisons
Estimate only — not tax advice. This calculator gives an approximate take-home figure based on 2026 federal income tax, Social Security and Medicare (FICA), and, where shown, state income tax. It does not account for tax credits (such as the Child Tax Credit or EITC), the Alternative Minimum Tax, preferential capital-gains rates, or itemized deductions beyond the standard deduction. Your actual paycheck may differ. Consult a qualified tax professional for advice specific to your situation.