New York rules
How New York taxes your paycheck in 2026
New York's income tax is progressive and, for high earners, among the steepest in the nation. There's also a wrinkle most calculators ignore: if you live in New York City, a separate local tax applies on top.
New York State income tax: 4% to 10.9%
The New York State Department of Taxation and Finance administers nine brackets. As always, the system is marginal — your first dollars are taxed at 4%, not your whole salary. The top 10.9% rate is reserved for taxable income in the tens of millions.
| Rate | Taxable income |
|---|---|
| 4% | $0 – $8,500 |
| 4.5% | $8,500 – $11,700 |
| 5.25% | $11,700 – $13,900 |
| 5.5% | $13,900 – $80,650 |
| 6% | $80,650 – $215,400 |
| 6.85% | $215,400 – $1,077,550 |
| 9.65% | $1,077,550 – $5,000,000 |
| 10.3% | $5,000,000 – $25,000,000 |
| 10.9% | Over $25,000,000 |
New York applies a state standard deduction (about $8,000 single / $16,050 married for 2026) before calculating tax.
The New York City surcharge
Residents of the five boroughs pay an additional New York City income tax of roughly 3.08% to 3.88%, depending on income. That makes NYC one of the most heavily taxed places to earn a salary in the United States. This calculator covers the state portion; if you live in the city, expect to keep a few percent less than shown.
Commuters and part-year residents
If you work in New York but live in New Jersey or Connecticut, you generally pay New York tax on New York-source wages and claim a credit at home. Part-year residents prorate their tax. Those situations go beyond a simple paycheck estimate — consult the state's instructions or a tax professional.
Questions
New York salary calculator FAQ
How much tax is taken out of a paycheck in New York?
A New York paycheck is reduced by federal income tax, 6.2% Social Security, 1.45% Medicare and New York State income tax, which ranges from 4% to 10.9% on a progressive scale. New York City residents also pay a city income tax of about 3.08% to 3.88% on top.
What is the New York State income tax rate for 2026?
New York State has nine progressive brackets from 4% up to 10.9%, administered by the Department of Taxation and Finance. The top 10.9% rate applies to taxable income above roughly $25 million.
Do I pay extra tax if I live in New York City?
Yes. New York City residents pay a separate local income tax of roughly 3.08% to 3.88% in addition to state and federal tax. This calculator covers New York State tax; add city tax separately if you live in the five boroughs.
What is the take-home pay on $90,000 in New York?
A single filer earning $90,000 in New York State takes home roughly $64,000 to $66,000 a year after federal tax, FICA and state income tax. New York City residents would keep slightly less after city tax.
- Sources: NYS Department of Taxation and Finance (2026 brackets) · NYC Department of Finance · IRS Rev. Proc. 2025-32 · SSA wage base.
- 🔄 Last updated June 9, 2026 · Tax year 2026
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