New York Take-Home Pay Calculator (2026 estimate)
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 estimate your 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 thresholds)
| 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 annual salary, it estimates federal income-tax liability, FICA (6.2% Social Security up to the $184,500 wage cap + 1.45% Medicare), then New York income-tax liability using the brackets above, plus the listed New York payroll taxes. Pre-tax deductions reduce the modeled taxable income.
Scope: this is an annual planning estimate, not a payroll-withholding calculation. It does not model W-4 or state withholding elections, tax credits, itemized deductions, most local taxes, or employer-specific benefits.
Data sources
NYS Department of Taxation and Finance 2026 (slight rate reductions in lower brackets). Dataset last reviewed 2026-06-08.
For high-stakes decisions, verify the current rules with the linked agency or a qualified tax professional.
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). This 2026 planning estimate uses the brackets and rates documented above. State thresholds may be from an earlier tax year; check the year labels and linked sources above.
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?
This is a planning estimate using the data vintage and sources shown above, last reviewed 2026-06-08. It is not an employer payroll-withholding calculation and does not include every credit, local tax, or employer-specific deduction. Verify the result with your state tax authority or a tax professional before relying on it.