What are New York state income tax rates in 2026?

New York uses a progressive income tax with rates starting at 3.9% on the first $17,150 of taxable income for single filers (a bracket that was recently reduced), rising through several brackets to 10.9% on income above $25 million. Most middle-income earners fall in the 5.5%–6.85% range.

Does New York City have its own income tax?

Yes. New York City residents pay an additional city income tax on top of the state tax. NYC rates range from 3.078% to 3.876% based on income level. This significantly increases the combined state+city burden for NYC residents compared to workers elsewhere in New York State.

What is the New York standard deduction for 2026?

New York provides a standard deduction of $8,000 for single filers and $16,050 for married filing jointly in 2026. These amounts are lower than the federal standard deduction, meaning New York taxable income is often higher than federal taxable income for the same filer.

What FICA taxes are withheld from New York paychecks?

All New York employees pay federal FICA: 6.2% Social Security on wages up to $176,100 and 1.45% Medicare on all wages. An additional 0.9% Medicare surtax applies to wages above $200,000 for single filers. These are federal obligations identical in every state.

Is there a New York State Disability Insurance deduction from my paycheck?

Yes. New York State Disability Insurance (SDI) is withheld from employee paychecks at the rate set each year — typically a small amount (around 0.5% up to a weekly cap). New York also has a Paid Family Leave (NYPFL) contribution that employees pay, typically around 0.373% of wages in recent years.

How does the New York 3.9% bottom bracket change affect my paycheck?

The bottom marginal rate was reduced to 3.9% for lower-income New York taxpayers in recent legislation. If your income falls in the lowest bracket, you benefit directly from a lower rate compared to prior years. Higher-income taxpayers see little change since their income spans many brackets well above 3.9%.

What is the combined New York state and NYC tax burden for a $100,000 salary?

A single New York City resident earning $100,000 faces approximately 5.85%–6.33% in state income tax plus approximately 3.4% in NYC income tax, for a combined state+city rate of roughly 9.25% on the top dollars. Add FICA and federal income tax and total deductions can exceed 35% of gross pay.

Does New York have a payroll tax for metropolitan commuters?

Yes. The Metropolitan Commuter Transportation Mobility Tax (MCTMT) applies to employers in the New York City metro area and to self-employed individuals in those counties earning above a threshold. For W-2 employees, the MCTMT is an employer-side cost and does not directly appear on your pay stub.

New York Paycheck Calculator 2026

Calculate New York take-home pay online free — federal, NY state and NYC tax with FICA deductions for 2026. Nothing leaves your device — fast and private.

100% Private — Runs entirely in browserInstant calculation & resultFree, no sign-up

Annual salary (gross)

State

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Pre-tax deductions per year (401k, HSA…)

California SDI is withheld at 1.3% of all wages in 2026 (no cap). Rates above $1M include the 1% mental-health surtax (top rate 13.3%).

Estimates for the 2026 tax year using the standard deduction. Actual withholding depends on your W-4, benefits, credits, and local taxes. Not tax advice.

How to calculate your New York take-home pay for 2026

New York workers navigate one of the most layered paycheck tax structures in the United States. State income tax uses progressive brackets with rates starting at 3.9% and reaching as high as 10.9% for very high earners. New York City residents pay an additional city income tax on top. There is also a small SDI contribution and a Paid Family Leave deduction. On top of all of this, federal income tax and FICA apply just like in every other state. This calculator models the full stack of New York deductions so you know exactly what to expect on your next paycheck.

Whether you work in Manhattan, Brooklyn, Albany, Buffalo, or any part of New York State, getting your net pay estimate right matters for budgeting, salary negotiations, and financial planning. Enter your gross salary below to see a full, instant breakdown.

New York State Income Tax: Progressive brackets from 3.9% (recently reduced bottom rate) up to 10.9%, applied after the New York standard deduction of $8,000 (single) or $16,050 (married).
Federal Income Tax: 10%–37% progressive brackets based on your filing status and the 2026 IRS withholding tables.
Social Security & Medicare (FICA): 6.2% Social Security on wages up to $176,100 plus 1.45% Medicare on all wages — the standard 7.65% employee FICA contribution.
New York SDI & Paid Family Leave: Small mandatory employee contributions to New York's State Disability Insurance and Paid Family Leave programs, calculated at rates set annually by the state.

New York 2026 tax rates explained

New York's income tax structure is one of the most complex in the nation. The state has nine brackets for single filers in 2026, with rates ranging from 3.9% on the first $17,150 of taxable income up to 10.9% on income exceeding $25 million. For the vast majority of middle-income workers earning $50,000–$150,000, the effective state tax rate falls in the 5%–7% range depending on income level and filing status. The standard deduction of $8,000 for single filers is notably lower than the federal $15,000, meaning more income is exposed to New York tax.

New York City adds another layer of taxation for residents. The NYC personal income tax has four brackets ranging from 3.078% to 3.876%, with higher-income residents paying close to the top rate. A worker living and working in Manhattan earning $120,000 could face combined state and city income tax of nearly 10% on their top dollars — one of the highest combined rates for a major city in the country.

Beyond income tax, New York employees are subject to a mandatory SDI contribution (a few dollars per week, capped annually) and a Paid Family Leave (PFL) contribution, which in recent years has been approximately 0.373% of wages up to a weekly wage cap. These PFL contributions entitle employees to partially paid leave for qualifying family events, making them a benefit-connected deduction rather than a pure tax.

How ToolJiffy calculates New York paycheck deductions

Our New York paycheck calculator applies the 2026 New York Department of Taxation and Finance withholding tables, adjusted for your filing status and pay frequency. We subtract the New York standard deduction, apply the progressive bracket structure to determine state withholding, and layer in FICA at statutory rates. Federal income tax uses the 2026 IRS Publication 15-T tables. SDI and PFL contributions are applied at the current statutory rates. All calculations run client-side in your browser — your salary data stays private and is never transmitted.

Step-by-step guide to using the New York paycheck calculator

Enter salary: Input your annual, monthly, biweekly, or weekly gross pay and select the matching pay frequency from the dropdown.
Select filing status: Choose single, married filing jointly, or head of household to apply the correct New York and federal withholding brackets.
View breakdown: See your New York state income tax, federal income tax, FICA contributions, SDI/PFL deductions, and estimated net take-home pay per period.

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Frequently Asked Questions

What are New York state income tax rates in 2026?
Compare other states on the paycheck calculators hub.
New York uses a progressive income tax with rates starting at 3.9% on the first $17,150 of taxable income for single filers (a bracket that was recently reduced), rising through several brackets to 10.9% on income above $25 million. Most middle-income earners fall in the 5.5%–6.85% range.
Does New York City have its own income tax?
Compare other states on the paycheck calculators hub.
Yes. New York City residents pay an additional city income tax on top of the state tax. NYC rates range from 3.078% to 3.876% based on income level. This significantly increases the combined state+city burden for NYC residents compared to workers elsewhere in New York State.
What is the New York standard deduction for 2026?
Compare other states on the paycheck calculators hub.
New York provides a standard deduction of $8,000 for single filers and $16,050 for married filing jointly in 2026. These amounts are lower than the federal standard deduction, meaning New York taxable income is often higher than federal taxable income for the same filer.
What FICA taxes are withheld from New York paychecks?
Compare other states on the paycheck calculators hub.
All New York employees pay federal FICA: 6.2% Social Security on wages up to $176,100 and 1.45% Medicare on all wages. An additional 0.9% Medicare surtax applies to wages above $200,000 for single filers. These are federal obligations identical in every state.
Is there a New York State Disability Insurance deduction from my paycheck?
Compare other states on the paycheck calculators hub.
Yes. New York State Disability Insurance (SDI) is withheld from employee paychecks at the rate set each year — typically a small amount (around 0.5% up to a weekly cap). New York also has a Paid Family Leave (NYPFL) contribution that employees pay, typically around 0.373% of wages in recent years.
How does the New York 3.9% bottom bracket change affect my paycheck?
Compare other states on the paycheck calculators hub.
The bottom marginal rate was reduced to 3.9% for lower-income New York taxpayers in recent legislation. If your income falls in the lowest bracket, you benefit directly from a lower rate compared to prior years. Higher-income taxpayers see little change since their income spans many brackets well above 3.9%.
What is the combined New York state and NYC tax burden for a $100,000 salary?
Compare other states on the paycheck calculators hub.
A single New York City resident earning $100,000 faces approximately 5.85%–6.33% in state income tax plus approximately 3.4% in NYC income tax, for a combined state+city rate of roughly 9.25% on the top dollars. Add FICA and federal income tax and total deductions can exceed 35% of gross pay.
Does New York have a payroll tax for metropolitan commuters?
Compare other states on the paycheck calculators hub.
Yes. The Metropolitan Commuter Transportation Mobility Tax (MCTMT) applies to employers in the New York City metro area and to self-employed individuals in those counties earning above a threshold. For W-2 employees, the MCTMT is an employer-side cost and does not directly appear on your pay stub.