What are New York state income tax rates in 2026?

New York uses progressive income tax rates. In this calculator, the single-filer 3.9% bracket ends at $8,500 of taxable income; higher brackets rise to 10.9% above $25 million. The result is an annual tax estimate, not employer withholding.

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 $184,500 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?

New York employees may see disability benefits and Paid Family Leave deductions on pay stubs. This calculator does not estimate either contribution, so its take-home amount can be higher than your actual paycheck.

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?

New York City income tax is separate from New York State income tax. This calculator estimates the state tax but does not add NYC tax. NYC residents should account for city tax before relying on the displayed take-home estimate.

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.

Browser-based processingResults depend on your deviceFree, no sign-up

Annual salary (gross)

State

Filing status

Pay frequency

Traditional 401(k)/403(b) contributions per year

2026 rates reflect New York’s enacted rate cuts (bottom rates reduced to 3.9%/4.4%). New York City and Yonkers levy separate local income taxes, not included here. NY’s high-income “tax benefit recapture” is not modeled; very high incomes may owe slightly more.

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 layered paycheck deductions. This calculator estimates 2026 New York State income tax from annual brackets, federal income tax, and FICA. It does not include New York City or Yonkers tax, disability benefits contributions, or Paid Family Leave deductions. Your actual paycheck may therefore be lower than the displayed estimate.

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: Estimated from 2026 annual brackets and the standard deduction, not IRS employer withholding tables.
Social Security & Medicare (FICA): 6.2% Social Security on wages up to $184,500 plus 1.45% Medicare on all wages — a combined 7.65% below the Social Security cap.
Not included: New York City and Yonkers taxes, disability benefits contributions, and Paid Family Leave deductions.

New York 2026 tax rates explained

The modeled New York State single-filer brackets start at 3.9% on the first $8,500 of taxable income and reach 10.9% above $25 million. This calculator subtracts an $8,000 state standard deduction for single filers, compared with a $16,100 federal standard deduction in 2026. High-income New York tax-benefit recapture and other adjustments are not modeled.

New York City and Yonkers may add local income tax. Those taxes are not included here because the form does not ask for city of residence. The form also lacks the information needed to estimate disability benefits and Paid Family Leave deductions, so check your pay stub for those amounts.

How ToolJiffy calculates New York paycheck deductions

Our New York paycheck calculator subtracts the modeled state standard deduction from annual salary, applies annual state tax brackets, estimates federal income tax from annual brackets and the federal standard deduction, and adds FICA. It then divides the annual estimate by selected pay periods. It does not apply New York or IRS employer withholding tables, or use your W-4. The calculation runs in your browser.

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

Enter salary: Input annual gross salary and select pay frequency for the per-period estimate.
Select filing status: Choose single, married filing jointly, or head of household to apply the modeled annual state and federal brackets.
View breakdown: See estimated New York State income tax, federal income tax, FICA, and net take-home pay per period; local taxes and SDI/PFL are excluded.

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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 progressive income tax rates. In this calculator, the single-filer 3.9% bracket ends at $8,500 of taxable income; higher brackets rise to 10.9% above $25 million. The result is an annual tax estimate, not employer withholding.
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 $184,500 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.
New York employees may see disability benefits and Paid Family Leave deductions on pay stubs. This calculator does not estimate either contribution, so its take-home amount can be higher than your actual paycheck.
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.
New York City income tax is separate from New York State income tax. This calculator estimates the state tax but does not add NYC tax. NYC residents should account for city tax before relying on the displayed take-home estimate.
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.