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New York City Paycheck Calculator (2026)

Last reviewed: April 20, 2026

New York City residents pay an additional city personal income tax on top of New York state's progressive rates. NYC tax runs through four brackets, from 3.078% on the first slice of income to 3.876% on income above $50,000 for single filers. The city tax applies only to NYC residents; non-residents who work in the city pay only New York state tax. NYC also operates State Disability Insurance, a small per-paycheck deduction shared with all New York wage earners. This calculator estimates 2026 take-home pay for a New York City resident after federal tax, FICA, New York state tax, and NYC city tax. It supports pre-tax 401(k) and HSA deductions.

$85,000 single filer take-home comparison

New York City

$60,300

New York (no city tax)

$63,500

Texas (no income tax)

$68,600

New York City take-home is -$3,200 vs the state-only figure and -$8,300 vs the no-income-tax baseline.

Data pending verification

New York SDI per-paycheck rate for 2026 is not yet wired into the calculator engine. The take-home estimate above does not subtract SDI.

New York City local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable IncomeRate
$0 - $12,0003.08%
$12,000 - $25,0003.76%
$25,000 - $50,0003.82%
$50,000+3.88%

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New York City paycheck FAQ

How does NYC tax differ from New York State tax?
NYC tax is a city-level personal income tax with its own bracket schedule, applied in addition to New York state tax. Only NYC residents owe it; non-residents who work in the city pay only New York state tax.
What are the 2026 NYC tax brackets?
Four brackets for single filers: 3.078% on the first $12,000, 3.762% on $12,000-$25,000, 3.819% on $25,000-$50,000, and 3.876% above $50,000. The brackets are compressed enough that most NYC wage earners pay close to the top 3.876% rate on the bulk of their income.
Do I owe NYC tax if I work in NYC but live in New Jersey or Connecticut?
No. NYC tax applies only to NYC residents. Non-resident workers pay New York state tax on NYC-earned wages but not the city tax. The combined NYC plus NY state burden for an NYC resident is one of the highest urban paycheck burdens in the country, which is why neighboring New Jersey or Connecticut salaries net out higher for many earners.
Does the New York State Disability Insurance apply to NYC residents?
Yes. NY SDI is a state-level payroll deduction that applies to all New York wage earners regardless of city of residence. It is a small per-paycheck amount separate from state and city income tax.

See also

Run the full New York paycheck calculatorCompare to Yonkers paycheck calculatorBrowse all city paycheck calculatorsBrowse paycheck calculators by statePaycheck and tax glossaryHow we calculate paycheck taxes

Reviewed

How This Page Is Reviewed

The New York City paycheck page is reviewed against primary federal, state, and city sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-04-20