New York cut its lowest tax rates for 2026 and adds SDI and Paid Family Leave. Add New York City tax with one click.
On a $75,000 salary, a single New York filer outside the city takes home about $57,784 a year ($2,222.47 per biweekly paycheck) in 2026, an effective tax rate of 23.0%. New York City residents pay about $2,472 more in city income tax, bringing take-home to $55,312.
How to read this. It estimates the tax you owe on a full year of pay at these inputs and divides it by your pay periods; payroll systems withhold using each state's own formula and your W-4, so your stub can differ. Nothing you type leaves your browser.
How New York taxes your paycheck in 2026
New York State's 2026 rates are 3.9%, 4.4%, 5.15%, 5.4% and 5.9% in the five lowest brackets (each 0.1 point below 2025), then 6.85%, 9.65%, 10.3% and 10.9% at higher incomes. For a single filer, the 5.4% bracket runs from $13,900 to $80,650 and the 5.9% bracket to $215,400. Married-filing-jointly and head-of-household filers use wider bands. The standard deduction is $8,000 (single), $11,200 (head of household) or $16,050 (married filing jointly); the latest official page we found was for 2025, and the amounts are set by statute.
New York City adds a resident income tax with four rates: 3.078%, 3.762%, 3.819% and 3.876%. For a single filer the top rate applies above $50,000 of taxable income. Choose "New York City resident" in the calculator to include it. Yonkers residents pay a surcharge of 16.75% of their state tax and Yonkers non-residents pay a 0.5% earnings tax; neither is modeled.
Two employee payroll deductions. State Disability Insurance (SDI) is 0.5% of wages, capped at 60 cents a week ($31.20 a year); employers may choose whether to collect it. Paid Family Leave (PFL) is 0.432% of gross wages in 2026, with a maximum annual employee contribution of $411.91.
Item
2026 rate
Applies to
State income tax (single)
3.9% to 10.9%
After $8,000 standard deduction
New York City resident tax
3.078% to 3.876%
Optional in calculator
SDI (employee)
0.5%
Max $0.60 a week ($31.20)
Paid Family Leave (employee)
0.432%
Max $411.91 a year
New York take-home pay at common salaries
Gross salary
Take-home / year
Per biweekly paycheck
State taxes + deductions
Effective tax rate
$50,000
$40,005
$1,538.65
$2,350
20.0%
$75,000
$57,784
$2,222.47
$3,808
23.0%
$100,000
$73,877
$2,841.43
$5,303
26.1%
$150,000
$105,538
$4,059.16
$8,253
29.6%
Single filer, standard deduction, no 401(k), pre-tax benefits or local taxes. For a married couple filing jointly on one $120,000 income the estimate is $95,056 a year ($3,656.00 biweekly), an effective rate of 20.8%.
What catches New York workers out
High earners pay more than the bracket table shows. New York's tax-benefit recapture phases out the benefit of the lower brackets at higher incomes, and the state's own 2026 withholding schedule shows effective rates above the statutory brackets in six-figure ranges. This calculator uses the statutory brackets only, so it likely understates New York tax above roughly $100,000.
More cuts are scheduled. A secondary legal source indicates the five lowest rates fall by another 0.1 point in 2027. Do not reuse the 2026 figures next year.
Commuting from New Jersey or Connecticut? You owe New York non-resident tax on New York-source wages. This tool calculates resident tax only.
Local taxes
New York City residents pay city income tax (toggle in the calculator). Yonkers residents pay a surcharge. The Metropolitan Commuter Transportation Mobility Tax is paid by employers, not deducted from your check.
Assumptions and limits of this estimate
Federal tax uses the 2026 brackets and standard deduction (single $16,100; married filing jointly $32,200; head of household $24,150) with no dependents, credits or extra withholding. Federal deductions for tips, overtime and seniors are not applied.
Social Security is 6.2% up to $184,500 of wages; Medicare is 1.45%, plus 0.9% on wages above $200,000 ($250,000 for joint filers).
The 401(k) deferral is capped at the 2026 limit of $24,500. Pre-tax benefits reduce federal, FICA and most state wages.
The tax-benefit recapture for higher incomes is not modeled, so the estimate is least reliable above roughly $100,000.
The standard deduction uses the 2025 published amounts, which are fixed by statute.
SDI is assumed to be collected from the employee at the 60-cent weekly maximum.
This is an estimate for planning, not tax advice. Your employer's payroll system and your W-4 determine actual withholding.
2026 federal brackets and standard deductions: IRS Revenue Procedure 2025-32. Social Security wage base of $184,500: Social Security Administration.
Last updated October 31, 2026
Prepared by Ratixa Editorial. Drafts are AI-assisted and the site operator is responsible for the content; see our editorial policy. Not reviewed by a licensed tax professional.
Frequently asked questions
What are the New York State income tax rates for 2026?
The lowest five rates fell 0.1 point for 2026 to 3.9%, 4.4%, 5.15%, 5.4% and 5.9%, followed by 6.85%, 9.65%, 10.3% and 10.9% at higher incomes.
How much is New York City income tax?
Residents pay 3.078% to 3.876% of taxable income on top of state tax. For a single filer the top rate starts above $50,000.
What are New York SDI and Paid Family Leave?
SDI is 0.5% of wages up to 60 cents a week. Paid Family Leave is 0.432% of gross wages in 2026, up to $411.91 a year. Both are employee deductions.
How much take-home pay is $75,000 in New York?
For a single filer outside New York City with no 401(k) or benefit deductions, about $57,784 a year, or $2,222.47 per biweekly paycheck. In New York City, about $55,312 a year.
Why might this estimate be low for high earners?
New York recaptures the benefit of its lower brackets at higher incomes. This calculator does not model that, so the real tax may be higher above roughly $100,000.