Payroll & Tax

New York Paycheck Calculator 2025–26

Updated April 2025

NY State tax (4%–10.9%)

NYC city tax toggle included

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Annual Gross Salary

Filing Status

I live in NYC (adds city tax)

Deductions & Adjustments

401(k) Contribution

% / yr

Health Insurance (pre-tax/mo)

Other Pre-tax Deductions (mo)

How the New York Paycheck Calculator Works

New York has two layers of state-level income tax: NY state income tax (4%–10.9%) and, for NYC residents only, an additional city income tax (3.078%–3.876%). Together, a New York City resident can face a combined state + city effective rate of 10–12% for middle-income earners — among the highest in the country.

New York State Tax Brackets (2025 — Single)

4% on the first $17,150 (above $8,000 NY standard deduction)
4.5% on income from $17,151 to $23,600
5.25% on income from $23,601 to $27,900
5.5% on income from $27,901 to $161,550
6% on income from $161,551 to $323,200
6.85% on income from $323,201 to $2,155,350
9.65% on income from $2,155,351 to $5,000,000
10.9% on income above $25,000,000

NY Net Pay = Gross Pay
  − Federal Income Tax (progressive brackets)
  − NY State Tax (4%–10.9%)
  − NYC City Tax (3.078%–3.876%, NYC residents only)
  − Social Security + Medicare (FICA)

Example Calculation

Suppose you earn $75,000 per year in New York City, file as single, and are an NYC resident.

Gross annual pay$75,000
Federal income tax (taxable: $75K − $14,600)−$8,268
NY state tax (taxable: $75K − $8,000 NY std deduction)−$3,793
NYC city tax−$2,741
Social Security ($75,000 × 6.2%)−$4,650
Medicare ($75,000 × 1.45%)−$1,088
Estimated net annual take-home (NYC)$54,460
Monthly take-home~$4,538

Disclaimer: This calculator provides estimates for informational purposes only. Consult your HR department or a tax professional for exact figures.

Frequently Asked Questions

New York uses a progressive income tax with 9 brackets ranging from 4% (on the first $17,150 for single filers) up to 10.9% (on income above $25,000,000). For most earners between $27,900 and $161,550, the marginal rate is 5.5%. Married filers have broader brackets with a top rate that kicks in at different thresholds.

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Sources & References

New York State Department of Taxation and Finance — 2025 Tax Tables

Source for New York State income tax brackets, standard deduction amounts ($8,000 single, $16,050 MFJ), and rates for the 2025 tax year.

New York City Department of Finance — City Personal Income Tax

Source for NYC city income tax brackets (3.078%–3.876%) applicable to NYC resident workers for 2025.

IRS Revenue Procedure 2024-61 and Publication 15-T (2025)

Source for 2025 federal income tax brackets, standard deductions, and FICA rates.

Sarah Kim, CPA, JD

CPA and tax attorney, 16 years in New York state and city income tax compliance

Sarah reviewed the New York state brackets, NYC city tax rates, and standard deduction amounts on this page. She advises high-income earners in Manhattan and assists clients with multi-state tax planning for NY/NJ commuters.

Reviewed: April 2025Tax year: 2025-26

New York Tax Rates 2025–26

Tax	Rate
NY State (bottom)	4%
NY State (top)	10.9%
NYC City Tax	3.078%–3.876%
NY Std Deduction (Single)	$8,000
NY Std Deduction (MFJ)	$16,050
Social Security	6.20%
Medicare	1.45%
SS Wage Base 2025	$176,100

Other State Calculators

Pro Tip

If you work in NYC but live in New Jersey, Long Island, or Westchester, you pay NY state income tax but NOT the NYC city tax (3–3.9%). Moving just across the city line can save a $100K earner roughly $3,500–$4,000 per year.

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