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New York taxes wages on a progressive scale in 2026 — calculate state tax, federal tax and FICA, and see your take-home pay.
New York Income Tax Calculator 2026
For the 2026 tax year, filed in 2027, on wages.
Federal tax: $7,670
New York tax: $3,453
FICA: $5,738
Take-home pay (annual): $58,139
Monthly (annual take-home / 12): $4,845
Biweekly (annual take-home / 26): $2,236
Weekly (annual take-home / 52): $1,118
Important — tax-benefit recapture: New York AGI over $107,650 triggers tax-benefit recapture, which phases out the benefit of the lower brackets. A brackets-only calculation understates New York tax above that line, so the $100,000, $150,000 and $200,000 rows in the comparison table below are brackets-only and actual tax may be higher. New York City tax (3.078%–3.876%) and the Yonkers surcharge are local taxes and are excluded from this state-only calculator.
Estimate only, not tax advice. 2026 tax year, filed in 2027, on wages.
What is the New York income tax in 2026?
New York has a progressive income tax in 2026. A single filer on $75,000 pays $3,453 New York tax, $7,670 federal tax and $5,738 FICA, keeping $58,139 a year ($4,845 a month, $2,236 biweekly) before any recapture effect.
Key Takeaways
- New York rates run from 3.9% to 10.9% in 2026, on wages, for the 2026 tax year filed in 2027.
- The standard deduction is $8,000 single and $16,050 married filing jointly, with a $1,000 dependent exemption per dependent.
- Tax-benefit recapture above $107,650 AGI can raise actual New York tax above a brackets-only figure.
- New York City tax and the Yonkers surcharge are local taxes, excluded from this state-only calculator.
- Federal tax and FICA are separate from New York tax and are shown separately in the calculator.
New York income tax at a glance for 2026
| Item | 2026 figure |
|---|---|
| New York rates | Progressive, 3.9% to 10.9% |
| Standard deduction | $8,000 single / $16,050 married filing jointly |
| Dependent exemption | $1,000 per dependent |
| Tax-benefit recapture | Applies over $107,650 AGI |
| New York City / Yonkers | Excluded — local taxes |
| Federal standard deduction | $16,100 single / $32,200 married filing jointly |
| Social Security wage base | $184,500 |
All figures are for the 2026 tax year, filed in 2027, on wages.
What are the New York income tax brackets for 2026?
New York tax brackets for 2026, on wages, for the 2026 tax year filed in 2027. Apply the rate to the slice of taxable income in each band, not to all income.
| Rate | Single — taxable income up to | Married Filing Jointly — taxable income up to |
|---|---|---|
| 3.9% | $8,500 | $17,150 |
| 4.4% | $11,700 | $23,600 |
| 5.15% | $13,900 | $27,900 |
| 5.4% | $80,650 | $161,550 |
| 5.9% | $215,400 | $323,200 |
| 6.85% | $1,077,550 | $2,155,350 |
| 9.65% | $5,000,000 | $5,000,000 |
| 10.3% | $25,000,000 | $25,000,000 |
| 10.9% | Above $25,000,000 | Above $25,000,000 |
Standard deduction: $8,000 single / $16,050 married filing jointly. Dependent exemption: $1,000 per dependent only. Source: New York State Tax Department 2026 rates.
What are the federal income tax brackets for 2026?
Federal brackets for 2026, on wages, for the 2026 tax year filed in 2027, from IRS Rev. Proc. 2025-32. Standard deduction: $16,100 single / $32,200 married filing jointly.
| Rate | Single — taxable income up to | Married Filing Jointly — taxable income up to |
|---|---|---|
| 10% | $12,400 | $24,800 |
| 12% | $50,400 | $100,800 |
| 22% | $105,700 | $211,400 |
| 24% | $201,775 | $403,550 |
| 32% | $256,225 | $512,450 |
| 35% | $640,600 | $768,700 |
| 37% | Above $640,600 | Above $768,700 |
Worked example: how is New York tax calculated on $75,000?
Single filer, 0 dependents, 2026 tax year filed in 2027, on wages. Taxable income: $75,000 − $8,000 standard deduction = $67,000. New York tax: 3.9% × $8,500 = $332; 4.4% × $3,200 = $141; 5.15% × $2,200 = $113; 5.4% × $53,100 = $2,867; total $3,453. Federal tax $7,670, FICA $5,738, take-home $58,139.
Recapture note: $67,000 New York taxable income is below the $107,650 recapture trigger, so this worked example is not affected by recapture. New York AGI over $107,650 triggers tax-benefit recapture, which phases out the benefit of the lower brackets, so a brackets-only calculation understates New York tax above that line.
How much take-home pay do I get in New York at every salary?
Single filer, 2026 tax year filed in 2027, on wages, brackets-only. Monthly is annual take-home / 12 and biweekly is annual take-home / 26.
| Gross | Federal | New York | FICA | Take-home | Effective | Monthly | Biweekly |
|---|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $1,023 | $2,295 | $25,262 | 15.8% | $2,105 | $972 |
| $50,000 | $3,820 | $2,103 | $3,825 | $40,252 | 19.5% | $3,354 | $1,548 |
| $75,000 | $7,670 | $3,453 | $5,738 | $58,139 | 22.5% | $4,845 | $2,236 |
| $100,000 | $13,170 | $4,860 | $7,650 | $74,320 | 25.7% | $6,193 | $2,858 |
| $150,000 | $24,734 | $7,810 | $11,475 | $105,981 | 29.3% | $8,832 | $4,076 |
| $200,000 | $36,734 | $10,760 | $14,339 | $138,167 | 30.9% | $11,514 | $5,314 |
Note: The $100,000 and higher rows are brackets-only; recapture above $107,650 AGI may raise actual New York tax.
How does New York tax compare with federal tax?
New York tax and federal tax are calculated separately, on wages, for the 2026 tax year filed in 2027. New York uses its own standard deduction ($8,000 single / $16,050 married filing jointly) and its own brackets (3.9% to 10.9%), while federal tax uses a $16,100 single / $32,200 married filing jointly standard deduction and rates from 10% to 37% under IRS Rev. Proc. 2025-32. FICA is separate again: Social Security 6.2% up to the $184,500 wage base, Medicare 1.45% on all wages, and additional Medicare 0.9% only over $200,000 single / $250,000 married filing jointly.
What is not included in this calculator?
- Tax-benefit recapture above $107,650 AGI — a brackets-only figure may understate New York tax.
- New York City tax (3.078%–3.876%) and the Yonkers surcharge — local taxes, excluded.
- Alternative minimum tax (AMT) — not included.
- Self-employment tax — not included; this calculator is for wages only.
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Frequently asked questions about New York income tax
What are the New York income tax rates for 2026?
New York rates for 2026, on wages, for the 2026 tax year filed in 2027, run from 3.9% to 10.9% on a progressive scale, from the New York State Tax Department 2026 rates.
How do New York tax brackets work?
Each rate applies only to the slice of taxable income in that band, not to all of your income. For example, on $75,000 single with 0 dependents, taxable income is $67,000 after the $8,000 standard deduction, and the tax is built band by band to $3,453.
What is the New York standard deduction for 2026?
The New York standard deduction for 2026 is $8,000 single and $16,050 married filing jointly, plus a $1,000 dependent exemption per dependent only. There is no separate personal exemption for yourself or your spouse in this calculator.
What is New York tax-benefit recapture?
New York AGI over $107,650 triggers tax-benefit recapture, which phases out the benefit of the lower brackets. A brackets-only calculation therefore understates New York tax above that line, so the $100,000, $150,000 and $200,000 rows in the comparison table are brackets-only and actual tax may be higher.
Does this calculator include New York City or Yonkers tax?
No. New York City tax (3.078%–3.876%) and the Yonkers surcharge are local taxes and are excluded from this state-only calculator.
How is bonus pay taxed in New York?
Bonus pay is wages, so it is taxed in the 2026 tax year filed in 2027 under the same New York brackets, federal brackets and FICA rules as other wages. Enter your total gross annual wages, including bonuses, in the calculator.
Do I have to file a New York tax return?
Whether you must file depends on your income, filing status and New York source income for the 2026 tax year filed in 2027. This calculator is an estimate only, not tax advice, and does not determine your filing requirement.
Do New York tax rates change every year?
New York rates, brackets, standard deduction and thresholds can change by law each year. The figures here are for the 2026 tax year filed in 2027, on wages, and should be checked again for later years.
How does New York compare with states that have no income tax?
Unlike states with no income tax, New York charges a progressive state tax from 3.9% to 10.9% for 2026, on wages, in addition to federal tax and FICA. That is why a single filer on $75,000 keeps $58,139 a year after $3,453 New York tax, $7,670 federal tax and $5,738 FICA in this estimate.
Disclaimer: Estimate only, not tax advice. Sources: IRS Rev. Proc. 2025-32; New York State Tax Department 2026 rates. All figures are for the 2026 tax year, filed in 2027, on wages.