New York paycheck taxes at a glance
New York has income tax from 3.9% to 10.9%. Every paycheck also has federal income tax, Social Security (6.2%) and Medicare (1.45%) withheld. This calculator uses 2026 New York rules and 2026 federal brackets.
| Income tax | Progressive, 9 brackets (3.9%–10.9%) |
| Standard deduction | $8,000 single · $16,050 married |
| Personal exemption | $0 single · $0 married |
| 401(k) contributions | Excluded from state taxable wages |
| Local income taxes | In some cities/counties — NYC residents pay 3.078%-3.876% (single brackets $12k/$25k/$50k; joint $21.6k/$45k/$90k); Yonkers residents pay a 16.75% surcharge on net state tax; Yonkers also has a nonresident earnings tax. |
| State payroll deductions | NY SDI (disability) 0.5% (wages up to $6,240), NY Paid Family Leave 0.432% (wages up to $95,350) |
The calculator applies the main New York rates, deductions, exemptions and credits above. Dependent credits, itemized deductions and special rules for very high incomes are not included.
New York income tax brackets (2026)
Rates apply to New York taxable income, after deductions and exemptions.
| Single | Married filing jointly |
|---|---|
| $0 – $8,499: 3.9% | $0 – $17,149: 3.9% |
| $8,500 – $11,699: 4.4% | $17,150 – $23,599: 4.4% |
| $11,700 – $13,899: 5.15% | $23,600 – $27,899: 5.15% |
| $13,900 – $80,649: 5.4% | $27,900 – $161,549: 5.4% |
| $80,650 – $215,399: 5.9% | $161,550 – $323,199: 5.9% |
| $215,400 – $1,077,549: 6.85% | $323,200 – $2,155,349: 6.85% |
| $1,077,550 – $4,999,999: 9.65% | $2,155,350 – $4,999,999: 9.65% |
| $5,000,000 – $24,999,999: 10.3% | $5,000,000 – $24,999,999: 10.3% |
| $25,000,000+: 10.9% | $25,000,000+: 10.9% |
Take-home pay examples in New York
Single filer, standard deduction, no 401(k), paid bi-weekly.
| Salary | Take-home / year | / month | / paycheck | State & local tax | Total tax rate |
|---|---|---|---|---|---|
| $40,000 | $32,553 | $2,713 | $1,252 | $1,563 | 18.6% |
| $60,000 | $47,457 | $3,955 | $1,825 | $2,643 | 20.9% |
| $80,000 | $61,010 | $5,084 | $2,347 | $3,723 | 23.7% |
| $100,000 | $73,877 | $6,156 | $2,841 | $4,860 | 26.1% |
| $150,000 | $105,538 | $8,795 | $4,059 | $7,810 | 29.6% |
Full breakdown by salary: $30,000 · $40,000 · $50,000 · $60,000 · $70,000 · $80,000 · $90,000 · $100,000 · $120,000 · $150,000
Good to know
- New York cut the rates on its five lowest brackets for 2026, so the bottom rate is now 3.9%.
- New York's top rate of 10.9% applies to taxable income over $25 million.
- New York City and Yonkers levy their own resident income taxes on top of the state tax.
Also see the New York sales tax calculator.
Sources
Paycheck calculators for other states
Frequently asked questions
What is the New York income tax rate for 2026?
New York has a progressive income tax with 9 brackets for single filers, from 3.9% to 10.9% for 2026.
How much is $60,000 a year after taxes in New York?
A single filer earning $60,000 takes home about $47,457 a year ($3,955 a month) in New York, after federal income tax ($5,020), Social Security and Medicare ($4,590) and New York income tax ($2,643) and state payroll deductions ($290), using 2026 rules and the standard deduction.
Are 401(k) contributions taxed in New York?
No. Traditional 401(k) contributions lower both your federal and New York taxable income. They are still subject to Social Security and Medicare.
Do cities or counties in New York charge income tax?
NYC residents pay 3.078%-3.876% (single brackets $12k/$25k/$50k; joint $21.6k/$45k/$90k); Yonkers residents pay a 16.75% surcharge on net state tax; Yonkers also has a nonresident earnings tax.