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New York State Tax Calculator 2026
Calculate NY state tax, NYC local tax, and paycheck deductions for residents and non-residents.
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How to use New York State Tax Calculator 2026
- Enter your income and pay frequency: Provide annual salary or hourly rate plus hours, then choose weekly, bi‑weekly, semi‑monthly, or monthly to match your paycheck.
- Select filing status: Choose Single, Married Filing Jointly, Married Filing Separately, or Head of Household; the calculator adjusts New York brackets and standard deductions accordingly.
- Set where you live and work: Indicate if you are a New York resident and whether you live in NYC or Yonkers so the tool can apply local income tax or surcharges correctly.
- Add deductions and pre‑tax benefits: Optionally enter 401(k) contributions, health insurance premiums, or other pre‑tax amounts to refine taxable income.
- Review your tax and paycheck breakdown: The results panel shows New York state tax, NYC or Yonkers tax, federal tax, FICA, and your final take‑home pay per year and per paycheck.
About New York State Tax Calculator 2026
The New York State Tax Calculator page should explain clearly how New York state and local income taxes work, while helping users see their real take‑home pay for 2025 and beyond.
What the New York State Tax Calculator does
The New York State Tax Calculator estimates how much state and local income tax is withheld from a salary or hourly wage, and shows the impact on annual and per‑paycheck net pay.
It factors in New York’s progressive state brackets, New York City or Yonkers local income tax when applicable, and federal and FICA taxes if you choose full paycheck mode.
New York income tax basics
New York uses a progressive state income tax system with nine brackets, with rates starting around 4% for low incomes and reaching up to 10.9% for very high earners.
Standard deductions reduce taxable income, with typical amounts around 8,000 USD for single filers and about double that for married couples filing jointly, along with personal exemptions for dependents.
- NYC local income tax: New York City residents pay an additional local tax with rates roughly between 3.078% and 3.876% of NYC taxable income, depending on filing status and income level.
- Yonkers tax: Yonkers residents pay a surcharge based on a percentage of their net state tax, and non‑residents who work in Yonkers may owe a small earnings tax on Yonkers wages.
- Tax year and filing: The calculator aligns with the current New York Department of Taxation and Finance tax tables for the applicable year so estimates match official brackets as closely as possible.
How the New York State Tax Calculator works
- Step 1 – Estimate taxable income: The tool starts with your gross pay, subtracts pre‑tax benefits, then applies New York’s standard deduction and any basic state‑level adjustments to reach taxable income.
- Step 2 – Apply NY state brackets: Taxable income is split across the state’s nine brackets; each slice is taxed at its own rate, and the amounts are summed to get total New York state income tax.
- Step 3 – Add local tax (if any): If you mark that you are an NYC resident, the calculator applies the correct NYC bracket; if you live or work in Yonkers, it adds the appropriate surcharge or earnings tax.
- Step 4 – Combine with federal and FICA (optional): When you enable paycheck mode, the calculator adds federal income tax using current U.S. brackets plus Social Security and Medicare to show total tax and net pay.
- Step 5 – Break down by paycheck: Annual totals are divided by your chosen pay frequency, so you can see gross pay, each tax line, and final take‑home pay for every paycheck.
Outputs you will see
- Annual and per‑paycheck NY state tax: Total New York state tax for the year and the amount withheld from each paycheck.
- NYC or Yonkers tax line: Separate lines for NYC resident tax or Yonkers surcharge/earnings tax so you can see exactly how much local tax adds to your bill.
- Effective tax rates: The calculator reports your effective New York state rate (NY tax ÷ income) and, in full mode, combined effective tax rate including federal and FICA.
- Take‑home pay summary: A clear table shows gross income, each tax type, and your final net pay annually and per paycheck for quick comparison or budgeting.
Who should use the New York State Tax Calculator
- Employees in New York State: Anyone working in New York can estimate their upcoming paychecks, check if current withholding looks accurate, and avoid year‑end tax surprises.
- NYC and Yonkers residents: City residents can see how local income taxes interact with state and federal taxes, which is crucial when negotiating salary or considering a move.
- Remote workers and movers: People planning to relocate into or out of New York can compare their expected net pay before and after the move using the same tool.
- Self‑employed and side‑hustlers: Freelancers and gig workers can plug in projected income to estimate quarterly payments and avoid underpayment penalties.
Benefits of this New York State Tax Calculator
- Accurate New York‑specific logic: Uses current New York state and NYC/Yonkers rules and brackets for the relevant tax year so estimates align with official guidance.
- Full paycheck transparency: Shows every component—state, city, federal, FICA, and net pay—so users understand exactly where their money goes.
- Fast “what‑if” comparisons: Users can adjust salary, bonuses, or filing status in seconds to see how each change affects New York tax and take‑home pay.