How New York paychecks work (2026)
In New York, your take-home pay is your salary minus federal income tax, FICA (Social Security 6.2% + Medicare 1.45%) and New York state income tax. This calculator uses the official 2026 rates for a single filer.
New York state income tax
New York has a progressive state income tax from 4% to 10.9%, with an $8,000 standard deduction (single).
Example: $80,000 in New York
Federal tax is about $8,770, FICA $6,120, and New York state tax about $3,782 — leaving a take-home of roughly $61,328 a year (before any NYC city tax).
New York take-home pay by salary (2026)
Estimated annual take-home for a single filer after federal income tax, Social Security and Medicare and New York state income tax, using the 2026 rates. Figures are tax liability, not withholding.
| Gross salary | Take-home / year | Per month | % kept |
|---|---|---|---|
| $40,000 | $32,878 | $2,740 | 82.2% |
| $60,000 | $47,778 | $3,982 | 79.6% |
| $80,000 | $61,328 | $5,111 | 76.7% |
| $100,000 | $74,228 | $6,186 | 74.2% |
| $150,000 | $105,914 | $8,826 | 70.6% |
What often catches people out in New York
- New York City residents pay a separate city income tax of roughly 3.1%–3.9% on top of state tax — an NYC worker keeps noticeably less than the statewide figure here.
- Yonkers residents pay an income-tax surcharge too (about 16.75% of their net state tax).
- The 10.9% top rate is reserved for income over ~$25 million; ordinary salaries land in the 5.85%–6.25% range.
What this calculator does not include
- Local/city taxes (NYC city tax), 401(k) and pre-tax deductions, and filing statuses other than single.
- It shows tax liability, which can differ from paycheck withholding (employers often over-withhold).
Does New York tax my income?
Yes — New York State taxes income from 4% to 10.9%. NYC residents pay an additional city tax.
What's FICA?
Social Security (6.2%) and Medicare (1.45%) payroll taxes, deducted in every state including New York.
More United States calculators
This calculator provides estimates for a single filer in New York for 2026 based on IRS and state figures and is for general information only — it is not financial or tax advice. It excludes local taxes, 401(k) and other deductions, and shows tax liability rather than withholding. Sources: IRS (Rev. Proc. 2025-32), New York Department of Revenue.