New York State Tax Calculator 2026
Estimate your New York state income tax and take-home pay for tax year 2026.
Last updated: November 2025 · Source
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New York 2026 tax overview
FY2026 budget reduced 4 middle-bracket rates effective 2026. Supplemental tax recapture applies above $107,650 AGI. NYC adds 3.078%–3.876% local tax; Yonkers adds surcharge.
Breakdown
New York also withholds an employee Paid Family Leave premium (and NYC/Yonkers residents owe local income tax); this page does not model them, so real take-home is lower.
New York income tax brackets, 2026
Rates apply to each slice of taxable income in turn, not to the whole amount. Reaching the 10.90% bracket does not mean paying 10.90% on everything. Figures are for single filers unless the state uses one schedule for all statuses.
| Taxable income | Rate | Tax on this bracket |
|---|---|---|
| $0 to $8,500 | 3.90% | $332 max |
| $8,500 to $11,700 | 4.40% | $141 max |
| $11,700 to $13,900 | 4.50% | $99 max |
| $13,900 to $80,650 | 5.15% | $3,438 max |
| $80,650 to $215,400 | 5.40% | $7,277 max |
| $215,400 to $1,077,550 | 5.85% | $50,436 max |
| $1,077,550 to $5,000,000 | 9.65% | $378,516 max |
| $5,000,000 to $25,000,000 | 10.30% | $2,060,000 max |
| Over $25,000,000 | 10.90% | 10.90% of everything above $25,000,000 |
Brackets apply to income after the New York standard deduction of $8,000 single and $16,050 married filing jointly, which is separate from the federal standard deduction.
What this calculator does not include
New York City residents pay a city income tax of roughly 3.08% to 3.88% on top of the state tax, and Yonkers residents pay a surcharge of about 16.75% of their state tax liability. Neither is modelled here, so a New York City resident's real bill is materially higher than the figure above. New York also withholds an employee Paid Family Leave premium (and NYC/Yonkers residents owe local income tax); this page does not model them, so real take-home is lower.
Frequently Asked Questions
What are the 2026 New York income tax rates?
New York uses a 9-bracket progressive schedule for 2026, running from 3.90% to 10.90%. The top rate starts at $25,000,000 of taxable income. FY2026 budget reduced 4 middle-bracket rates effective 2026. Supplemental tax recapture applies above $107,650 AGI. NYC adds 3.078%–3.876% local tax; Yonkers adds surcharge.
At what income does the top New York tax rate start?
The 10.90% top rate applies to taxable income above $25,000,000. Below that, 8 lower brackets apply in sequence, so your average rate is always lower than your top rate.
What is the 2026 New York standard deduction?
New York allows a state standard deduction of $8,000 for single filers and $16,050 for married filing jointly in 2026. This is separate from the federal standard deduction, which is $16,100 and $32,200 respectively.
Are there local income taxes in New York?
Yes. New York City residents pay a city income tax of roughly 3.08% to 3.88% on top of the state tax, and Yonkers residents pay a surcharge of about 16.75% of their state tax liability. Neither is modelled here, so a New York City resident's real bill is materially higher than the figure above.
What payroll deductions does New York require besides income tax?
New York also withholds an employee Paid Family Leave premium (and NYC/Yonkers residents owe local income tax); this page does not model them, so real take-home is lower. Local income tax applies too; see the question above.
Does New York tax Social Security and retirement income?
New York does not tax Social Security or New York government pensions, and exempts up to $20,000 per person of other retirement income from age 59½.
What surprises people most about New York income tax?
New York applies a "tax benefit recapture" above roughly $107,650 that claws back the value of the lower brackets, producing marginal rates well above the headline bracket rate in that band.