Rates verified on 2026-10-11
Estimates only
New York take-home pay calculator
Tax year 2026 (Jan 1 – Dec 31, 2026)
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Tax year 2026
How New York take-home pay is calculated (2026)
New York State uses progressive income-tax brackets from 3.9% to 10.9% after a New York standard deduction ($8,000 single / $16,050 joint / $11,200 head of household for 2026). 2026 rates reflect reductions enacted under Chapter 59 of the Laws of 2025 (NYS-50-T-NYS Rev. 1/26). Employee DBL (0.5%, max $0.60/week ≈ $31.20/year) and PFL (0.432%, max $411.91 for 2026) are included. If you live in New York City, turn on the NYC resident toggle to add city resident tax (about 3.078%–3.876%) — labeled approximate because we apply city rates to AGI rather than a full NYC taxable-income worksheet.
Before the numbers: New York withholding rules
New York State personal income tax is progressive — 3.9% to 10.9% after the New York standard deduction ($8,000 single / $16,050 joint / $11,200 head of household for 2026). Withholding publication NYS-50-T-NYS (Rev. 1/26) updates 2026 tables for payrolls on or after January 1, 2026 to reflect rate reductions from Chapter 59 of the Laws of 2025. Most private-sector employees also pay NY Disability Benefits (DBL, 0.5% capped at $0.60/week) and Paid Family Leave (PFL, 0.432% of wages capped at $411.91 for 2026) — both are included in this estimate. New York City residents also owe city resident tax (about 3.078%–3.876%); turn on the NYC toggle to add that layer — labeled approximate because we apply city rates to AGI rather than a full NYC taxable-income worksheet. Yonkers and the Metropolitan Commuter Transportation Mobility Tax (MCTMT) are not modeled.
State income tax (2026)as of 2026
Progressive 3.9%–10.9% after NY standard deduction
Source: NYS-50-T-NYS — 2026 New York State withholding tables →NY PFL + DBL (2026)as of 2026
PFL 0.432% max $411.91; DBL ≤$0.60/week
Source: Paid Family Leave NY — 2026 employee contribution →Median household incomeas of 2024 ACS 1-year
$85,820
Source: U.S. Census Bureau — New York profile (ACS median household income) →
Local income taxes
New York City residents report city resident income tax on Form IT-201 (Bronx, Brooklyn, Manhattan, Queens, Staten Island). Use the NYC toggle here for an approximate add-on. Yonkers residents (and some nonresidents with Yonkers earnings) face a separate Yonkers tax — not modeled. Self-employed individuals with MCTD net earnings may owe MCTMT — also not modeled. Compare the estimate to your stub for those lines.
What makes a New York paycheck different
- Progressive NYS brackets (3.9% → 10.9%) after the New York standard deduction — separate from the federal deduction.
- Employee DBL and PFL payroll premiums are subtracted (included in the estimate).
- Optional NYC resident tax on top when the NYC toggle is on; Yonkers and MCTMT stay outside this estimate.
- Dependent exemptions ($1,000 each) and tax-benefit recapture at higher incomes stay outside this estimate — mid/high earners may differ from a full IT-201.
- Federal income tax and FICA still apply; New York does not replace them.
- Compared with Texas or Florida, New York’s gap is the state (and optional city) income-tax line plus DBL/PFL.
How we count New York take-home
- New York State income tax: progressive brackets after the NY standard deduction for your filing status.
- NYC resident tax (optional toggle): progressive city rates; applied on AGI as an approximation.
- Federal income tax: IRS 2026 brackets and standard deduction.
- FICA: Social Security and Medicare (and Additional Medicare where it applies).
- NY Disability Benefits (DBL): employee 0.5%, capped at $31.20/year (included).
- NY Paid Family Leave (PFL): employee 0.432%, capped at $411.91/year (included).
- Not modeled: Dependent Exemption; Tax Benefit Recapture; Yonkers; Mctmt; Nyc Taxable Income Vs Agi.
Full United States methodology · Bracket tables · Engine & privacy
Sources & status
VerifiedPrimary sources below, grouped by layer. Oldest verification on this page: 2026-10-11.
Federal
- IRS Rev. Proc. 2025-32 (brackets + standard deduction) →verified 2026-10-11
- IRS newsroom IR-2025-103 tax year 2026 inflation adjustments →verified 2026-10-11
- SSA contribution and benefit base 2026 →verified 2026-10-11
- IRS retirement topics — 401(k) contribution limits 2026 →verified 2026-10-11
- IRS — HSA contribution limits (Pub. 969; age-55 catch-up $1,000 fixed) →verified 2026-11-07
- IRS newsroom — 401(k) limit $24,500; catch-up $8,000 / ages 60–63 $11,250 (2026) →verified 2026-11-07
- IRS — Retirement topics catch-up contributions (2026) →verified 2026-11-07
State
- NYS-50-T-NYS (Rev. 1/26) — 2026 New York State withholding / rate schedules (Ch. 59 of 2025 reductions) →verified 2026-10-13
- NYS Form IT-201 instructions — standard deduction table ($8,000 single / $16,050 MFJ / $11,200 HOH) →verified 2026-10-13
- NYC resident PIT rates 3.078%–3.876% (toggle; applied on AGI as approximate — not full NYC taxable-income base) →verified 2026-10-13
- NY Paid Family Leave 2026 — employee 0.432% of gross wages, annual max $411.91 →verified 2026-11-11
- DFS — PFL premium rate decision for coverage beginning Jan 1, 2026 (0.432%, max $411.91) →verified 2026-11-11
- NYS WCB — Disability Benefits: employee 0.5% of wages, not more than $0.60/week (WCL §209) →verified 2026-11-11
Payroll programs
- NY Disability Benefits (DBL) →verified 2026-11-11
- NY Paid Family Leave (PFL) →verified 2026-11-11
Related United States guides
New York tax brackets (2026)
Federal income tax brackets (Single)
| From | To | Rate |
|---|---|---|
| $0.00 | $12,400.00 | 10.00% |
| $12,400.00 | $50,400.00 | 12.00% |
| $50,400.00 | $105,700.00 | 22.00% |
| $105,700.00 | $201,775.00 | 24.00% |
| $201,775.00 | $256,225.00 | 32.00% |
| $256,225.00 | $640,600.00 | 35.00% |
| $640,600.00 | and above | 37.00% |
New York state tax brackets (single)
| From | To | Rate |
|---|---|---|
| $0.00 | $8,500.00 | 3.90% |
| $8,500.00 | $11,700.00 | 4.40% |
| $11,700.00 | $13,900.00 | 5.15% |
| $13,900.00 | $80,650.00 | 5.40% |
| $80,650.00 | $215,400.00 | 5.90% |
| $215,400.00 | $1,077,550.00 | 6.85% |
| $1,077,550.00 | $5,000,000.00 | 9.65% |
| $5,000,000.00 | $25,000,000.00 | 10.30% |
| $25,000,000.00 | and above | 10.90% |
How a US paycheck works
Every US paycheck starts with the same federal layers: income-tax withholding from Form W-4, plus Social Security and Medicare (FICA). State and local lines come next when your region files them.
Counttaxes estimates annual liability from verified rate files, then shows per-paycheck amounts for your frequency — not a live payroll withholding run.
Worked examples (New York, annual, default assumptions)
| Gross | Net | Effective |
|---|---|---|
| $60,000.00 | $47,456.60 | 20.9% |
| $100,000.00 | $73,877.14 | 26.1% |
| $150,000.00 | $105,538.14 | 29.6% |
Examples use single filing status and no 401(k)/HSA. Open the calculator above to try your salary and filing status. Nets include NY DBL (0.5%) and NY PFL (0.432%).
Frequently asked questions
- Does this New York take-home include DBL and PFL?
- Yes. NY Disability Benefits (DBL) (0.5% on gross wages, capped at $31.20/year) is included in this estimate. NY Paid Family Leave (PFL) (0.432% on gross wages, capped at $411.91/year) is included in this estimate. Sources are listed under Sources & verification.
- Do I need the NYC toggle?
- Turn it on if you are a New York City resident for income-tax purposes. It adds NYC resident rates on top of New York State tax. Leave it off for elsewhere in the state (Yonkers remains outside this estimate).
- Why is NYC labeled approximate?
- Full NYC tax starts from New York taxable income with city-specific nuances. Our engine applies the published NYC rate schedule to AGI for a fast estimate — good for ballparks, not a substitute for IT-201 / NYC worksheets.
- What changed for 2026 New York rates?
- Withholding publication NYS-50-T-NYS (Rev. 1/26) updates tables for payrolls on or after January 1, 2026 to reflect rate reductions from Chapter 59 of the Laws of 2025. We load those 2026 bracket starts and rates, including head-of-household alignment with the reduced percentages. PFL for 2026 is 0.432% with a $411.91 annual maximum.
- Is the New York standard deduction the same as federal?
- New York’s standard deduction is much smaller ($8,000 single / $16,050 joint / $11,200 HOH). That is why state tax can still be material after a large federal deduction.
- Does this include Metropolitan Commuter Transportation Mobility Tax?
- MCTMT and Yonkers local tax stay outside this estimate. If those appear on your stub, subtract them separately when comparing.
Related United States calculators
Useful links
Official New York tax agencies and the primary sources behind the rates on this page.
- New York State Department of Taxation and Finance →
State tax agency — IT-201, withholding, NYC/Yonkers info
- NYS-50-T-NYS — 2026 withholding tax tables (PDF) →
Primary source for 2026 NYS rate schedules
- Form IT-201 instructions — standard deduction table →
NY standard deduction amounts by filing status
- IT-201 tax tables (when AGI ≤ $107,650) →
Official lookup tables for lower AGI returns
- IRS — Tax Withholding Estimator →
Federal paycheck spot-check
- NYS-50-T-NYC — 2026 NYC withholding tables →
City resident withholding for 2026 payrolls
- Tax.NY.gov — NYC, Yonkers, and MCTMT →
Local income-tax overlays on the state return
- Census — New York profile →
ACS median household income context
- Counttaxes — US sources & loaded numbers →
Federal rate file audit trail