New York paychecks lose state income tax, small SDI and Paid Family Leave deductions, and city tax if you live in New York City. Enter your pay to see the 2026 breakdown.
Estimate only, based on 2026 federal and New York rates. Your actual withholding depends on your W-4 and state forms. How we calculate.
New York taxes wages from 3.9% to 10.9% in 2026, after lower rates for the first five brackets took effect this year. Income is reduced by a standard deduction of $8,000 (single), $16,050 (married) or $11,200 (head of household) before the brackets apply.
If you live in New York City, you also pay city income tax of 3.078% to 3.876%. Yonkers residents pay a separate surcharge that this calculator does not include. Working in NYC while living elsewhere does not trigger city tax.
Two small payroll deductions fund worker benefits: disability insurance at 0.5% (capped at $0.60 a week) and Paid Family Leave at 0.432% of wages, up to $411.91 for 2026.
| Rate | Taxable income |
|---|---|
| 3.9% | $0 – $8,500 |
| 4.4% | $8,500 – $11,700 |
| 5.15% | $11,700 – $13,900 |
| 5.4% | $13,900 – $80,650 |
| 5.9% | $80,650 – $215,400 |
| 6.85% | $215,400 – $1,077,550 |
| 9.65% | $1,077,550 – $5,000,000 |
| 10.3% | $5,000,000 – $25,000,000 |
| 10.9% | Over $25,000,000 |
High earners may owe extra through New York's tax benefit recapture, which this estimate does not include.
NYC residents pay 3.078% to 3.876% of taxable income on top of state tax. Commuters who live outside the city do not pay it.
It funds paid time off to bond with a new child or care for a family member. For 2026 the rate is 0.432% of wages, capped at $411.91 a year.
Yes. Rates in the lower brackets dropped for 2026, for example from 4% to 3.9% on the first bracket and from 5.5% to 5.4% on most middle incomes.
Sources: NY Department of Taxation and Finance IT-2105-I (2026) rate schedules; NY Paid Family Leave 2026 rates; IRS Revenue Procedure 2025-32. Last updated November 4, 2026.