What are New York’s 2026 tax rates?

Nine brackets from 3.9% to 10.9%. For 2026 the bottom rates were cut — the first bracket fell to 3.9% and the second to 4.4% under the state’s middle-class tax reduction. A single filer pays 5.9% on income between about $80,650 and $215,400, with the top 10.9% reserved for income over $25 million.

Does this include New York City tax?

No — NYC levies its own income tax of roughly 3.08% to 3.88% on residents, and Yonkers adds a surcharge. A $85,000 NYC resident pays about $2,800 of city tax on top of the state’s $3,993. This calculator covers the state layer; treat NYC results as understated by roughly 3%.

What is the NY standard deduction?

For 2026: $8,000 for single filers and $16,050 for married filing jointly — half the federal amounts. New York does not have a personal exemption for filers themselves, though dependents get $1,000 each (not modeled here).

What is “tax benefit recapture”?

Once NY adjusted gross income passes $107,650, the state gradually claws back the benefit of the lower brackets, effectively flattening high earners to their top rate. This calculator uses the plain bracket math, so very high incomes may owe slightly more than shown.

How does New York compare to New Jersey or Connecticut?

For middle incomes they are surprisingly close — all three take roughly 4–6% at $85,000–$120,000. The bigger swing for commuters is NYC’s city tax, which NJ and CT residents avoid entirely while still paying NY state tax on NY-source wages.

Are 401(k) contributions deductible in New York?

Yes — traditional 401(k) contributions reduce both federal and NY taxable income. Note that NY taxes some things the feds don’t (and vice versa): HSA deductions follow federal rules, but NY adds back certain college-savings recaptures. The big lever — pre-tax retirement — works as expected.

Is my salary uploaded anywhere?

No. Everything runs as JavaScript in your browser — nothing is sent to a server, stored or logged, and the tool works offline once loaded.

New York Paycheck Calculator 2026

Take-home pay in New York for 2026 — the newly reduced NY brackets (3.9% bottom rate), federal tax and FICA.

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Annual salary (gross)

State

Filing status

Pay frequency

Pre-tax deductions per year (401k, HSA…)

2026 rates reflect New York’s enacted rate cuts (bottom rates reduced to 3.9%/4.4%). New York City and Yonkers levy separate local income taxes, not included here. NY’s high-income “tax benefit recapture” is not modeled; very high incomes may owe slightly more.

Estimates for the 2026 tax year using the standard deduction. Actual withholding depends on your W-4, benefits, credits, and local taxes. Not tax advice.

2026: the year New York got (slightly) cheaper

New York enacted a genuine rate cut for 2026 — the bottom brackets dropped to 3.9% and 4.4% as part of the state’s middle-class tax reduction, the lowest those rates have been in decades. The rest of the nine-bracket schedule runs 5.15% → 5.4% → 5.9% → 6.85%, with millionaire rates of 9.65% to 10.9% at the very top. This calculator applies the new schedule after the $8,000 / $16,050 standard deduction.

New York State take-home in 2026

Salary (single)	NY state tax	Annual take-home	Monthly	Effective rate
$60,000	$2,643	$47,747	$3,979	20.4%
$85,000	$3,993	$64,635	$5,386	24.0%
$120,000	$6,040	$87,210	$7,268	27.3%

The city layer this tool doesn’t include

If you live in the five boroughs, add NYC resident income tax of about 3.08% to 3.88% — roughly $2,800 more at $85,000. Yonkers residents pay a surcharge too. Commuters from New Jersey or Connecticut escape the city tax entirely while still owing NY state tax on wages earned in New York. Above $107,650, the state’s tax benefit recapture also nudges liability up beyond plain bracket math — treat six-figure results as slightly optimistic.

Compared with Pennsylvania’s flat 3.07%, a $120,000 New Yorker pays about $2,350 more state tax; againstFlorida the gap is the full $6,040. Estimates use the standard deduction and skip credits — planning numbers, not tax advice. All math runsin your browser. See every state on the mainUS paycheck calculator.

Frequently Asked Questions

What are New York’s 2026 tax rates?
Nine brackets from 3.9% to 10.9%. For 2026 the bottom rates were cut — the first bracket fell to 3.9% and the second to 4.4% under the state’s middle-class tax reduction. A single filer pays 5.9% on income between about $80,650 and $215,400, with the top 10.9% reserved for income over $25 million.
Does this include New York City tax?
No — NYC levies its own income tax of roughly 3.08% to 3.88% on residents, and Yonkers adds a surcharge. A $85,000 NYC resident pays about $2,800 of city tax on top of the state’s $3,993. This calculator covers the state layer; treat NYC results as understated by roughly 3%.
What is the NY standard deduction?
For 2026: $8,000 for single filers and $16,050 for married filing jointly — half the federal amounts. New York does not have a personal exemption for filers themselves, though dependents get $1,000 each (not modeled here).
What is “tax benefit recapture”?
Once NY adjusted gross income passes $107,650, the state gradually claws back the benefit of the lower brackets, effectively flattening high earners to their top rate. This calculator uses the plain bracket math, so very high incomes may owe slightly more than shown.
How does New York compare to New Jersey or Connecticut?
For middle incomes they are surprisingly close — all three take roughly 4–6% at $85,000–$120,000. The bigger swing for commuters is NYC’s city tax, which NJ and CT residents avoid entirely while still paying NY state tax on NY-source wages.
Are 401(k) contributions deductible in New York?
Yes — traditional 401(k) contributions reduce both federal and NY taxable income. Note that NY taxes some things the feds don’t (and vice versa): HSA deductions follow federal rules, but NY adds back certain college-savings recaptures. The big lever — pre-tax retirement — works as expected.
Is my salary uploaded anywhere?
No. Everything runs as JavaScript in your browser — nothing is sent to a server, stored or logged, and the tool works offline once loaded.