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Tax Year 2026Updated July 19, 2026
Note: New York has not yet published 2026 indexed brackets; this calculator uses official 2025 New York figures and will be updated when 2026 figures are released. NY DTF typically publishes new schedules with filing-season forms.

New York Paycheck Calculator 2026

This calculator estimates your take-home pay as a New York worker after federal income tax, FICA, and New York's 9-bracket graduated income tax (rates from 4.00% to 10.90%). This includes a surtax on income above $1,077,550. Enter your salary, pay frequency, and filing status below.

New York Income Tax Brackets 2026

The rates below apply to taxable income after subtracting New York's standard deduction of $8,000 (single) or $16,050 (MFJ).

Taxable IncomeRate
$0 - $8,5004.00%
$8,500 - $11,7004.50%
$11,700 - $13,9005.25%
$13,900 - $80,6505.50%
$80,650 - $215,4006.00%
$215,400 - $1,077,5506.85%
$1,077,550 - $5,000,0009.65%
$5,000,000 - $25,000,00010.30%
Over $25,000,00010.90%

Source: New York Tax Authority

Some cities levy their own local income or wage taxes. Retirees may benefit from partial pension income exclusions.

Millionaire Surtax in New York

New York imposes an additional surtax on taxable income exceeding $1,077,550. This means high earners face a combined top rate that is among the highest in the nation. The surtax applies to all filing statuses.

How Your New York Paycheck Is Calculated

  1. Gross pay: Your annual salary divided by the number of pay periods.
  2. Federal income tax: 2026 progressive brackets (10%-37%) after the federal standard deduction of $16,100 (single) or $32,200 (MFJ).
  3. Social Security: 6.2% on wages up to $184,500.
  4. Medicare: 1.45% on all wages, plus 0.9% above $200,000 (single).
  5. New York state income tax: 9-bracket progressive system (4.00% to 10.90%).
  6. Local income tax: Some cities in New York levy their own income or wage tax (not modeled in this calculator).

New York Standard Deduction

New York's standard deduction for 2026 is $8,000 for single filers and $16,050 for married filing jointly. This is subtracted from gross income before New York's tax brackets are applied. Note: the state deduction is separate from and much smaller than the federal standard deduction of $16,100.

Local Income Taxes in New York

NYC imposes additional income tax (3.078%–3.876%). Yonkers has surcharge (16.75% of state tax for residents, 0.5% of wages for nonresidents). MCTMT (Metropolitan Commuter Transportation Mobility Tax) applies to certain employers and self-employed individuals in the MTA district.

Note: This calculator does not include local or city income taxes. If you live or work in a jurisdiction with a local tax, your actual take-home pay will be lower than the estimate shown.

Retirement Income in New York

New York offers a partial exclusion for pension and retirement income. Some retirement income may be exempt or receive preferential treatment depending on the source and amount. $20,000 pension/annuity exclusion for age 59.5+. Government pensions (federal, NY state/local) are fully exempt. Social Security benefits are fully exempt from NY income tax.

What Else Comes Out of Your Paycheck in New York

Beyond federal income tax, FICA, and New York state income tax, New York has additional payroll deductions that may appear on your pay stub:

ProgramEmployee RateNotes
New York Disability Benefits Law (DBL)0.50%Short-term disability insurance - may also apply
New York Paid Family Leave (PFL)0.43%Paid family/medical leave - may also apply

Note: These deductions are not yet computed into the net pay estimate above. They are shown as informational lines because rates require verification. Your actual take-home pay may be lower by these amounts.

Worked Examples

Example 1: $62,000/year - Married Filing Jointly, Semi-monthly

Profile: $62,000 annual salary, Married Filing Jointly filer, paid semimonthly (24 paychecks/year)

Gross per period: $2,583.33
Federal income tax: -$128.33
Social Security: -$160.17
Medicare: -$37.46
New York state income tax: -$91.45
Net take-home pay: $2,165.92 per paycheck ($51,982/year)
Effective total tax rate: 16.16%

Example 2: $175,000/year - Single, Biweekly

Profile: $175,000 annual salary, Single filer, paid biweekly (26 paychecks/year)

Gross per period: $6,730.77
Federal income tax: -$1,182.08
Social Security: -$417.31
Medicare: -$97.60
New York state income tax: -$363.53
Net take-home pay: $4,670.25 per paycheck ($121,427/year)
Effective total tax rate: 30.61%

Example 3: $85,000/year - Head of Household, Monthly

Profile: $85,000 annual salary, Head of Household filer, paid monthly (12 paychecks/year)

Gross per period: $7,083.33
Federal income tax: -$579.00
Social Security: -$439.17
Medicare: -$102.71
New York state income tax: -$317.53
Net take-home pay: $5,644.92 per paycheck ($67,739/year)
Effective total tax rate: 20.31%

New York Tax Notes

  • Graduated brackets: 9 brackets from 4.00% to 10.90%.
  • Millionaire surtax: Additional tax on income above $1,077,550.
  • Local income taxes: Some New York cities levy their own income or wage tax (not modeled here).

OBBBA Conformity

New York has not confirmed conformity with the federal OBBBA deductions for overtime and tips. Until the state legislature or tax authority acts, these deductions apply only on the federal return. New York state income tax on those wages remains unchanged.

Frequently Asked Questions

What taxes are deducted from my New York paycheck?
Your New York paycheck has deductions for federal income tax (10%-37%), FICA (Social Security + Medicare), and New York state income tax using graduated brackets (9 brackets). Local/county taxes may also apply depending on where you live.
How accurate is this paycheck calculator?
This calculator estimates take-home pay using 2026 federal and New York state tax rates. It models federal income tax, FICA, and state income tax. It does not include pre-tax deductions (401(k), HSA, health insurance premiums), post-tax deductions, or state-specific payroll taxes (disability insurance, paid leave). Your actual paycheck may differ.
How do New York's income tax brackets work?
New York uses a graduated (progressive) income tax with 9 brackets. Each bracket applies only to income within that range, not your entire income. For example, if you earn enough to reach the third bracket, only the income above the second bracket's threshold is taxed at the third bracket's rate.
What tax bracket am I in for New York?
Your New York bracket depends on your taxable income (after deductions) and filing status. The calculator above shows your effective state tax rate, which is usually lower than your marginal bracket rate because lower portions of your income are taxed at lower rates.
Does New York's millionaire surtax apply to my bonus?
If your total taxable income (including the bonus) exceeds $1,077,550, the surtax applies to income above that threshold. For supplemental wages like bonuses, New York may withhold at a supplemental rate, but your actual liability depends on your total annual income.
How does local income tax affect my New York paycheck?
Some cities and municipalities in New York impose their own income or wage taxes in addition to the state tax. NYC imposes additional income tax (3.078%–3.876%). Yonkers has surcharge (16.75% of state tax for residents, 0.5% of wages for nonresidents). MCTMT (Metropolitan Commuter Transportation Mobility Tax) applies to certain employers and self-employed individuals in the MTA district. These local taxes are not included in this calculator's estimate, so your actual take-home pay may be lower if you work or live in a jurisdiction with local taxes.
Is my pension or retirement income taxed in New York?
New York offers a partial exclusion for pension and retirement income. Some retirement income may be exempt or receive preferential treatment depending on the source and amount. Social Security benefits are not taxed at the state level.
Does New York conform to the OBBBA overtime and tips deductions?
New York has not yet confirmed whether it will conform to the federal OBBBA deductions for overtime pay and tip income. Until the state legislature or tax authority acts, these deductions reduce only your federal taxable income. Your New York state income tax on those wages remains unchanged.
What is New York Disability Benefits Law (DBL) and why is it on my pay stub?
New York Disability Benefits Law (DBL) is a state-mandated payroll deduction in New York that funds short-term disability benefits for workers who cannot work due to non-work-related illness, injury, or pregnancy. The employee rate is approximately 0.50%. This is separate from workers' compensation (which covers on-the-job injuries) and is deducted from your paycheck in addition to federal and state income taxes.
What is New York Paid Family Leave (PFL) and how does it affect my paycheck?
New York Paid Family Leave (PFL) is a New York program that provides paid leave for family caregiving, bonding with a new child, or serious medical conditions. Your paycheck includes a deduction of approximately 0.43% to fund this program. This deduction is separate from federal and state income taxes and appears as its own line on your pay stub.