How New York taxes your paycheck
New York taxes income on a graduated scale from 3.9% to 10.9%. For 2026 the five lowest rates each fell by a tenth of a point, with another small cut scheduled for 2027. The standard deduction is set in law rather than indexed: it has been the same for years.
Higher earners meet a rule most calculators skip, the tax benefit recapture. Once New York adjusted gross income passes $107,650, the savings from the lower brackets are taken back over the next $50,000, until all of your taxable income is taxed at the rate of your top bracket. This calculator includes it. Two small payroll deductions come out too: disability insurance and Paid Family Leave.
2026 New York tax brackets: single
| Taxable income | Rate |
|---|---|
| $0 to $8,500 | 3.9% |
| $8,501 to $11,700 | 4.4% |
| $11,701 to $13,900 | 5.15% |
| $13,901 to $80,650 | 5.4% |
| $80,651 to $215,400 | 5.9% |
| $215,401 to $1,077,550 | 6.85% |
| $1,077,551 to $5,000,000 | 9.65% |
| $5,000,001 to $25,000,000 | 10.3% |
| Over $25,000,000 | 10.9% |
2026 New York tax brackets: married filing jointly
| Taxable income | Rate |
|---|---|
| $0 to $17,150 | 3.9% |
| $17,151 to $23,600 | 4.4% |
| $23,601 to $27,900 | 5.15% |
| $27,901 to $161,550 | 5.4% |
| $161,551 to $323,200 | 5.9% |
| $323,201 to $2,155,350 | 6.85% |
| $2,155,351 to $5,000,000 | 9.65% |
| $5,000,001 to $25,000,000 | 10.3% |
| Over $25,000,000 | 10.9% |
2026 New York tax brackets: head of household
| Taxable income | Rate |
|---|---|
| $0 to $12,800 | 3.9% |
| $12,801 to $17,650 | 4.4% |
| $17,651 to $20,900 | 5.15% |
| $20,901 to $107,650 | 5.4% |
| $107,651 to $269,300 | 5.9% |
| $269,301 to $1,616,450 | 6.85% |
| $1,616,451 to $5,000,000 | 9.65% |
| $5,000,001 to $25,000,000 | 10.3% |
| Over $25,000,000 | 10.9% |
- Standard deduction: $8,000 single, $16,050 married filing jointly, $11,200 head of household.
New York payroll taxes
On top of income tax, New York takes these from every paycheck. Pre-tax health premiums lower them; 401(k) contributions don't.
- Disability benefits (SDI): 0.5% of wages, at most $0.60 a week: 0.5% of wages, at most $31.20 a year.
- Paid Family Leave: 0.432% of wages, at most $411.91 a year.
Worked example
You earn $75,000 a year in New York, file single and are paid every two weeks. Federal income tax is $7,670 and Social Security and Medicare $5,738, the same in every state.
New York taxes $67,000 of it, for $3,453 of state income tax, plus $355 of NY SDI and NY PFL. You keep $57,784 a year, or $2,222.47 per paycheck: $3,808 a year less than in a state with no income tax.
The same salary takes home $61,593 in Florida and $59,238 in Pennsylvania.
Take-home pay in New York by salary
Single filer, paid every two weeks, no 401(k) or premiums, before any local tax.
| Salary | New York tax | Take-home per year | Per paycheck |
|---|---|---|---|
| $40,000 | $1,767 | $32,553 | $1,252.04 |
| $60,000 | $2,933 | $47,457 | $1,825.25 |
| $80,000 | $4,100 | $61,010 | $2,346.55 |
| $100,000 | $5,303 | $73,877 | $2,841.43 |
| $150,000 | $8,734 | $105,057 | $4,040.65 |
Things to know
- New York City and Yonkers. City residents pay a second income tax figured from the state return: New York City in four brackets on state taxable income, Yonkers as a surcharge on state tax. Pick your city above. Commuters who live outside the city pay no city income tax (Yonkers charges nonresident workers a small tax on wages instead).
- Working from home for a New York employer. If you live in another state, New York can still tax the days you work from home when that's for your convenience rather than your employer's need. Check with your employer before assuming your pay is out of reach.
- Dependents. New York gives a $1,000 deduction for each dependent, which this calculator leaves out; for most earners it's worth $40 to $70 of tax a dependent.
- This estimates what you owe, not what's withheld. Withholding follows your W-4 and New York's own withholding form, so paychecks can differ a little; the difference comes back as a refund or is due when you file. The W-4 withholding calculator checks the federal side.
Questions people ask
What are NY SDI and NY PFL on my paycheck?
Disability insurance (SDI) costs employees 0.5% of wages but never more than 60 cents a week. Paid Family Leave (PFL) is a percentage of wages up to a yearly maximum set each year; it pays for up to 12 weeks of partly paid family leave.
Do I pay New York City tax if I only work there?
No. Only residents of the five boroughs pay New York City income tax. Nonresidents who work in the city pay New York State tax on their pay but no city tax.
Why does my New York tax rise so fast above $107,650?
Because of the tax benefit recapture: as income passes $107,650, New York phases out the benefit of its lower brackets, so each extra dollar costs more than the bracket rate alone until the recapture is complete.
Paycheck calculators for other states
California · Florida · Georgia · Illinois · Michigan · North Carolina · Ohio · Pennsylvania · Texas. For any other state, the paycheck calculator takes your state's rate.
Sources
- New York Tax Law §601 (2026 rates and the tax benefit recapture)
- New York State Department of Taxation and Finance: NYS-50-T-NYS (1/26) withholding tables
- New York Tax Law §614 (standard deduction)
- New York State Department of Taxation and Finance: New York City, Yonkers and MCTMT
- New York State Department of Taxation and Finance: 2025 IT-201 instructions (New York City rate schedule, recapture worksheets)
- New York Paid Family Leave: updates for 2026 (0.432%, up to $411.91)
- New York Workers' Compensation Board: disability benefits (employee share up to $0.60 a week)
- IRS: tax inflation adjustments for tax year 2026 (federal brackets and standard deduction)
- Social Security Administration: contribution and benefit base ($184,500 in 2026)
Reviewed October 11, 2026 by The Dollars World team. How we build and check our calculators · Our data and formulas. This is general information, not financial advice.