New York income tax in 2026
New York has a graduated income tax with rates from 3.9% to 10.9% for single filers, spread across 9 brackets. Traditional 401(k) contributions lower your New York taxable income as well as your federal taxable income. New York then subtracts its own standard deduction of $8,000 for single filers ($16,050 married filing jointly). Personal exemptions: $1,000 per dependent.
| Taxable income (single) | Rate |
|---|---|
| $0 – $8,500 | 3.9% |
| $8,500 – $11,700 | 4.4% |
| $11,700 – $13,900 | 5.15% |
| $13,900 – $80,650 | 5.4% |
| $80,650 – $215,400 | 5.9% |
| $215,400 – $1,077,550 | 6.85% |
| $1,077,550 – $5,000,000 | 9.65% |
| $5,000,000 – $25,000,000 | 10.3% |
| Over $25,000,000 | 10.9% |
| Taxable income (married filing jointly) | Rate |
|---|---|
| $0 – $17,150 | 3.9% |
| $17,150 – $23,600 | 4.4% |
| $23,600 – $27,900 | 5.15% |
| $27,900 – $161,550 | 5.4% |
| $161,550 – $323,200 | 5.9% |
| $323,200 – $2,155,350 | 6.85% |
| $2,155,350 – $5,000,000 | 9.65% |
| $5,000,000 – $25,000,000 | 10.3% |
| Over $25,000,000 | 10.9% |
Local income taxes: New York City residents also pay NYC personal income tax of 3.078%-3.876% on NYC taxable income (single/MFS: 3.078% up to $12,000, 3.762% to $25,000, 3.819% to $50,000, 3.876% above; MFJ thresholds $21,600/$45,000/$90,000; HOH $14,400/$30,000/$60,000). Yonkers residents pay a surcharge equal to 16.75% of net New York State tax, and nonresidents working in Yonkers pay 0.5% of wages. No other NY localities levy an income tax (the MCTMT applies only to self-employment earnings in the MTA region). These are not included in the calculator.
New York rules and notes
- 2026 rates per NY Tax Law 601 as amended by the FY2026 budget: the five lowest rates fall by 0.1 point in 2026 (3.9%, 4.4%, 5.15%, 5.4%, 5.9%) and by another 0.1 point in 2027 (3.8%, 4.3%, 5.05%, 5.3%, 5.8%). Bracket thresholds are fixed dollar amounts (not indexed). Married filing separately uses the single schedule; qualifying surviving spouses use the joint schedule.
- High-income rates of 9.65% (over $1,077,550 single / $2,155,350 MFJ / $1,616,450 HOH), 10.3% (over $5 million) and 10.9% (over $25 million) are extended through tax year 2032.
- Tax benefit recapture (supplemental tax): once New York AGI exceeds $107,650, the benefit of the lower brackets is phased out in $50,000 steps, so high-income filers pay their top marginal rate on all taxable income; with NY AGI over $25 million, all taxable income is taxed at 10.9%. A bracket-only calculation understates tax once NY AGI exceeds $107,650.
- Standard deductions are fixed (not indexed): $8,000 single/MFS, $16,050 MFJ/qualifying surviving spouse, $11,200 HOH, $3,100 for a single filer who can be claimed as a dependent. There is no personal exemption for the taxpayer or spouse; a $1,000 exemption is allowed per dependent.
- FY2027 budget (S.9009-C/A.10009-C, signed May 28, 2026) did not change rates. Starting in tax year 2026 it excludes up to $25,000 of qualified tip income, makes the enhanced child and dependent care credit refundable, adds the POWER energy rebate credit, and decouples New York from certain federal OBBBA provisions.
- The Empire State Child Credit rises for tax years 2026-2027 to $1,000 per child under age 4 and $500 per child age 4-16.
New York take-home pay by salary
Single filer, paid every two weeks, 2026 rules, standard deduction and no pre-tax deductions; includes New York income tax but not local taxes.
| Salary | Federal income tax | Social Security + Medicare | New York income tax | Take-home per year | Per bi-weekly paycheck |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,563 | $32,757 | $1,259.88 |
| $50,000 | $3,820 | $3,825 | $2,103 | $40,252 | $1,548.15 |
| $60,000 | $5,020 | $4,590 | $2,643 | $47,747 | $1,836.42 |
| $75,000 | $7,670 | $5,738 | $3,453 | $58,140 | $2,236.13 |
| $100,000 | $13,170 | $7,650 | $4,860 | $74,320 | $2,858.47 |
| $150,000 | $24,734 | $11,475 | $8,290 | $105,501 | $4,057.73 |
Hourly wages after taxes in New York
Full-time (40 hours a week, 2,080 hours a year), no overtime, single filer:
| Hourly wage | Annual pay | Weekly take-home | Bi-weekly take-home | Take-home per year | Take-home per hour |
|---|---|---|---|---|---|
| $15.00 | $31,200 | $503.10 | $1,006.21 | $26,161 | $12.58 |
| $20.00 | $41,600 | $653.00 | $1,306.01 | $33,956 | $16.33 |
| $25.00 | $52,000 | $802.90 | $1,605.81 | $41,751 | $20.07 |
| $30.00 | $62,400 | $952.80 | $1,905.61 | $49,546 | $23.82 |
New York vs. neighboring states
Take-home pay on a $75,000 salary (single, bi-weekly), with the difference from New York. Federal taxes are identical in every state, so the gaps come from state income tax. On a $75,000 salary, New York ranks #42 of 51 (50 states and DC) for take-home pay. Nationally, take-home pay on $75,000 ranges from $56,538 in Oregon to $61,593 in states without a wage tax; the median is $59,005.
| State | State income tax | Take-home per year | Per bi-weekly paycheck | vs. New York |
|---|---|---|---|---|
| New York | $3,453 | $58,140 | $2,236.13 | — |
| Pennsylvania | $2,303 | $59,290 | $2,280.38 | +$1,151 |
| Vermont | $2,426 | $59,166 | $2,275.63 | +$1,027 |
| New Jersey | $2,596 | $58,997 | $2,269.10 | +$857 |
| Connecticut | $3,475 | $58,118 | $2,235.29 | −$22 |
| Massachusetts | $3,530 | $58,063 | $2,233.17 | −$77 |
Neighboring state calculators: Pennsylvania, Vermont, New Jersey, Connecticut, Massachusetts. See all 50 states and DC on the national paycheck calculator.
How your New York paycheck is calculated
- Gross pay for the year is your salary, or your hourly wage × hours × 52 plus overtime at 1.5×.
- Pre-tax deductions such as a traditional 401(k), health premiums and HSA contributions are subtracted before federal income tax.
- Federal income tax uses the 2026 brackets, your filing status’s standard deduction ($16,100 single) and credits for children and other dependents.
- Social Security and Medicare take 6.2% (up to $184,500 of wages) and 1.45%.
- New York income tax is figured on the annual amount using the rules above, then divided across your paychecks.
We divide the annual totals by your number of paychecks, which is how a correctly completed 2026 Form W-4 is designed to withhold. Your employer’s withholding tables may differ by a few dollars per check. For your full-year tax bill, use the income tax calculator.
Frequently asked questions
How much is $75,000 a year after taxes in New York?
A single filer earning $75,000 in New York takes home about $58,140 a year in 2026, or $2,236.13 per bi-weekly paycheck. That is after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $3,453 of New York income tax. Pre-tax 401(k) or health deductions would lower your taxes but also your take-home pay.
Does New York have a state income tax?
Yes. New York has a graduated income tax with rates from 3.9% to 10.9% for single filers in 2026. On a $75,000 salary, that works out to about $3,453 a year, or $132.81 per bi-weekly paycheck, an effective state rate of 4.6% of gross pay. Employers withhold it from each paycheck along with federal taxes.
How much is $20 an hour after taxes in New York?
Full time (40 hours a week), $20 an hour is $41,600 a year. After 2026 federal income tax, Social Security and Medicare and New York income tax, a single filer in New York takes home about $33,956 a year, or $1,306.01 per bi-weekly paycheck, about $16.33 per hour worked.
Are there local income taxes in New York?
New York City residents also pay NYC personal income tax of 3.078%-3.876% on NYC taxable income (single/MFS: 3.078% up to $12,000, 3.762% to $25,000, 3.819% to $50,000, 3.876% above; MFJ thresholds $21,600/$45,000/$90,000; HOH $14,400/$30,000/$60,000). Yonkers residents pay a surcharge equal to 16.75% of net New York State tax, and nonresidents working in Yonkers pay 0.5% of wages. Other local rules are listed on this page. This calculator doesn’t include local taxes, so subtract them from the estimate if they apply where you live or work.
How does take-home pay in New York compare with nearby states?
On a $75,000 salary (single, bi-weekly), take-home pay is $58,140 a year in New York. In neighboring states it ranges from $58,063 to $59,290; Pennsylvania (the highest nearby) is $1,151 higher. Federal taxes are the same everywhere, so the gap comes entirely from state income tax.
How much federal tax comes out of each paycheck on a $75,000 salary?
Federal taxes don’t depend on the state. For a single filer paid every two weeks on $75,000, about $295.00 of federal income tax, $178.85 of Social Security (6.2%) and $41.83 of Medicare (1.45%) come out of each 2026 paycheck, based on the $16,100 standard deduction. Children, pre-tax deductions and W-4 choices change the federal amount.