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New York Paycheck Calculator (2026)

Last reviewed: April 20, 2026

New York taxes wage income at a progressive state rate that runs from 4% to a top marginal rate of 10.9% on income above $25 million. Residents of New York City pay an additional NYC personal income tax that applies on top of state tax, with its own bracket structure. Residents of Yonkers pay a separate Yonkers resident surcharge equal to a percentage of their state tax liability. New York also operates a State Disability Insurance (SDI) program, deducted at a small fixed rate per paycheck. The combined effect for NYC residents is one of the highest urban tax burdens in the country on a paycheck basis. This calculator estimates 2026 take-home pay after federal tax, FICA, New York state tax, NYC tax (if applicable), Yonkers surcharge (if applicable), and SDI. It supports pre-tax 401(k) and HSA deductions.

vs. baseline ($85,000 single filer)

A $85,000 salary in New York takes home approximately $5,100 less than the same salary in a no-income-tax state like Texas or Florida.

New York state tax breakdown

Single-filer state income tax brackets used by the calculator for 2026.

Taxable IncomeRate
$0 - $8,5004%
$8,500 - $11,7004.50%
$11,700 - $13,9005.25%
$13,900 - $80,6505.85%
$80,650 - $215,4005.97%
$215,400 - $1,077,5506.85%
$1,077,550 - $5,000,0009.65%
$5,000,000 - $25,000,00010.30%
$25,000,000+10.90%

Cities in New York

Local jurisdictions with employee payroll tax. Linked entries have a dedicated city page; others can be selected in the calculator below.

Enter your salary to begin

Type above or pick a quick salary to see your 2026 take-home pay instantly.

New York paycheck FAQ

How does NYC tax differ from New York State tax?
New York City levies its own personal income tax on city residents, with brackets separate from the state tax. NYC tax is withheld in addition to state tax, so an NYC resident pays both. Non-NYC New Yorkers pay only state tax.
Do Yonkers residents pay extra tax?
Yes. Yonkers residents pay a surcharge equal to a percentage of their New York state tax liability. It is withheld from each paycheck on top of state tax.
Does New York have State Disability Insurance?
Yes. New York SDI is a payroll deduction at a small fixed rate per pay period. The deduction is modest, but it is a line item separate from state and federal tax.
Why is New York City take-home pay so much lower than the same salary in a neighboring state?
NYC residents pay federal, FICA, New York state tax, and NYC city tax, with optional Yonkers surcharge if applicable. The combined state plus local burden on a New York City resident often exceeds 10% of gross wages, which is why neighboring New Jersey or Connecticut salaries net out higher for many earners.

Take-home at common salaries for New York

Dedicated salary-anchor pages with a federal-state-FICA breakdown, vs-baseline callouts, and a calculator pre-set to that salary and New York.

$50,000 after taxesin New York$75,000 after taxesin New York$100,000 after taxesin New York$150,000 after taxesin New York$200,000 after taxesin New York$250,000 after taxesin New York

See also

Run the full US paycheck calculatorCompare to New Jersey paycheck calculatorCompare to Connecticut paycheck calculatorCompare to Pennsylvania paycheck calculatorCompare to Massachusetts paycheck calculatorCompare to Vermont paycheck calculatorCompare to California paycheck calculatorCompare paycheck taxes between two locationsPaycheck and tax glossaryHow we calculate paycheck taxes

Reviewed

How This Page Is Reviewed

The New York paycheck page is reviewed against primary federal and state 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