New York Take-Home Pay Calculator (2026)
New York uses a progressive state income tax — multiple brackets, with the top rate of 10.9% applying only to the highest earners. The calculator below combines federal, FICA, and New York state tax to show your actual take-home pay.
Take-home pay
Net annual
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Per month
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Per biweekly paycheck
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Federal income tax
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FICA (SS + Medicare)
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New York state tax
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Other state payroll
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Effective tax rate
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Marginal rate (next $)
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New York tax brackets (2026)
| Rate | Single filer band |
|---|---|
| 3.90% | $0 – $8,500 |
| 4.40% | $8,500 – $11,700 |
| 5.15% | $11,700 – $13,900 |
| 5.40% | $13,900 – $80,650 |
| 5.90% | $80,650 – $215,400 |
| 6.85% | $215,400 – $1,077,550 |
| 9.65% | $1,077,550 – $5,000,000 |
| 10.30% | $5,000,000 – $25,000,000 |
| 10.90% | $25,000,000 – and up |
Extra New York payroll taxes
- Paid Family Leave (PFL) — 0.388%, capped at $89,343.
What the calculator does
For each gross salary, it applies the 2026 federal brackets, FICA (6.2% Social Security up to the $184,500 wage cap + 1.45% Medicare on everything), then New York's state income tax using the brackets above, then sums any additional New York payroll taxes. Pre-tax deductions (401(k), HSA, etc.) reduce your taxable income before any of the above runs.
Source
NYS Department of Taxation and Finance 2026 (slight rate reductions in lower brackets). Verified 2026-06-08. For high-stakes financial decisions, double-check the current rates with your state's Department of Revenue.
FAQ
How is take-home pay in New York calculated?
Take-home = gross salary − federal income tax − FICA (Social Security + Medicare) − New York state income tax − state payroll taxes like Paid Family Leave (PFL). The calculator above runs each piece through the published 2026 brackets and rates.
What are New York's income tax brackets?
New York has 9 brackets ranging from 3.9% on the first dollars to 10.9% on the top dollars. Only the dollars in each band are taxed at that band's rate — a higher bracket doesn't mean your whole income gets the higher rate.
What other New York payroll taxes come out of my paycheck?
New York workers also pay: Paid Family Leave (PFL) (0.388%, capped at $89,343). These are separate from federal FICA.
Anything special about New York taxes I should know?
NYC residents owe additional 3.078%-3.876% city tax. Yonkers residents owe ~16.75% of state tax. Not included.
What about local city or county taxes in New York?
Yes — see the note above. Local taxes vary by municipality and aren't included in this calculator.
Are these 2026 numbers accurate?
These brackets reflect the published 2026 rates as of January 2026. Each state's tax authority is cited in the page source. Rates can change mid-year via legislation; verify with your state's Department of Revenue before relying on these for financial decisions.