New York income tax calculator (2026)

New York has a graduated income tax with 9 rates from 3.9% to 10.9% for 2026. A single filer earning $75,000 pays about $3,016 in New York income tax and $7,670 in federal income tax — $10,686 combined. Enter your own income and filing status below.

  • Updated for the 2026 tax year
  • Top New York rate 10.9%
  • Federal: IRS Rev. Proc. 2025-32
  • State: Tax Foundation 2026 table

Your details

Tax year

Your annual gross pay before any deductions (W-2 box 1 plus pre-tax deductions).

$

Interest, side income, short-term gains.

$

Traditional 401(k)/403(b), HSA and health premiums taken from your paycheck.

$
› Itemizing, tips, overtime or age 65+

Mortgage interest, SALT (capped), charity. Leave at 0 to use the standard deduction.

$

Deductible up to $25,000 (2025–2028).

$

The extra “half” in time-and-a-half. Up to $12,500 ($25,000 joint).

$

Estimated 2026 income tax (federal + state)

$10,686

Effective federal rate 10.2% · top federal bracket 22%

Where your income goes
  • You keep 78%
  • Federal income tax 10%
  • State income tax 4%
  • Social Security & Medicare 8%
How your income tax is calculated
1Total income$75,000
2Adjusted gross income (AGI)$75,000
3Standard deduction−$16,100
4Taxable income$58,900
5Federal income taxMarginal rate 22%$7,670
6New York income tax2026 single filer; NYC/Yonkers local tax NOT included$3,016
7Total income tax$10,686

Plus $5,738 in Social Security and Medicare withheld from wages. All taxes together: $16,423 (21.9% of income).

Federal tax bracket by bracket
RateIncome in bracketTax
10%$12,400$1,240
12%$38,000$4,560
22%$8,500$1,870
Assumptions behind this estimate (1)
  • Payroll taxes (Social Security and Medicare) are shown separately below — they are not income tax.

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How much income tax do you pay in New York?

At $75,000 of single-filer wages, New York’s estimated income tax of $3,016 ranks 10 of 51 (1 = highest) among the 50 states and DC.

Salary (single)Federal income taxNew York income taxSocial Security & MedicareTake-home pay
$50,000$3,820$1,666$3,825$40,442
$75,000$7,670$3,016$5,738$58,222
$100,000$13,170$4,382$7,650$74,355
$150,000$24,734$7,332$11,475$106,016

Single filer, standard deduction, no pre-tax deductions or credits. New York also withholds NY Paid Family Leave (0.432%, max $411.91) + SDI ($0.60/week) from paychecks, which is included in the take-home figures.

What are the New York income tax brackets for 2026?

RateTaxable income (single)
3.9%Up to $8,500
4.4%$8,501 – $11,700
5.15%$11,701 – $13,900
5.4%$13,901 – $80,650
5.9%$80,651 – $215,400
6.85%$215,401 – $1,077,550
9.65%$1,077,551 – $5,000,000
10.3%$5,000,001 – $25,000,000
10.9%Over $25,000,000

2026 single filer; NYC/Yonkers local tax NOT included. Married couples may have wider brackets in New York.

How is the federal part calculated?

Federal income tax uses the same 2026 brackets in every state: 10% up to $12,400 of taxable income for single filers, rising to 37% above $640,600, after a $16,100 standard deduction. See the full table on the federal income tax calculator.

Compare other states

See your paycheck in New York after taxes, or pick another state on the income tax calculator.

Frequently asked questions

What is the New York income tax rate for 2026?

New York has a graduated income tax with 9 rates from 3.9% to 10.9% for 2026 (2026 single filer; NYC/Yonkers local tax NOT included).

How much is $100,000 after taxes in New York?

A single filer earning $100,000 in New York takes home about $74,355 a year ($2,860 every two weeks) after $13,170 federal income tax, $4,382 state income tax and $8,093 in payroll taxes, using the standard deduction and no pre-tax deductions.

Does this include local or city income tax?

No. Some cities and counties add their own income tax (for example New York City, Philadelphia, Detroit, Maryland counties and many Ohio and Pennsylvania localities). Add those separately if they apply to you.

Why does my New York return show a different number?

This estimate applies New York’s 2026 rates to your federal taxable income. New York may use its own standard deduction, exemptions, credits and joint-filer brackets, so your actual return can differ by a few hundred dollars.

Sources

Estimates only — not tax advice. CalciTools is not a CPA or law firm. These figures are educational estimates based on published IRS and state rates and a simplified model (they don't cover every deduction, credit, or situation). Verify with the IRS, your state tax agency, or a tax professional before making payments. Sources: IRS Rev. Proc. inflation adjustments & state Departments of Revenue.