How New York taxes your paycheck
For 2026 New York cut its five lowest rates to 3.9%, 4.4%, 5.15%, 5.4% and 5.9% (from 4%, 4.5%, 5.25%, 5.5% and 6% in 2025) under Chapter 59 of the Laws of 2025, Part B, with bracket thresholds unchanged; a further 0.1-point cut to those rates is scheduled for 2027. The 6.85%, 9.65%, 10.3% and 10.9% rates are unchanged, and the top three run through 2032 under current law. The standard deduction is a fixed $8,000 single, $16,050 joint, $11,200 head of household, and there is no personal exemption for filers (only $1,000 per dependent).
2026 New York income tax brackets
| Taxable income (single) | Rate |
|---|---|
| $0 to $8,500 | 3.9% |
| $8,500 to $11,700 | 4.4% |
| $11,700 to $13,900 | 5.15% |
| $13,900 to $80,650 | 5.4% |
| $80,650 to $215,400 | 5.9% |
| $215,400 to $1,077,550 | 6.85% |
| $1,077,550 to $5,000,000 | 9.65% |
| $5,000,000 to $25,000,000 | 10.3% |
| Over $25,000,000 | 10.9% |
| Taxable income (married filing jointly) | Rate |
|---|---|
| $0 to $17,150 | 3.9% |
| $17,150 to $23,600 | 4.4% |
| $23,600 to $27,900 | 5.15% |
| $27,900 to $161,550 | 5.4% |
| $161,550 to $323,200 | 5.9% |
| $323,200 to $2,155,350 | 6.85% |
| $2,155,350 to $5,000,000 | 9.65% |
| $5,000,000 to $25,000,000 | 10.3% |
| Over $25,000,000 | 10.9% |
| Deduction or credit | Single | Married | Head of household |
|---|---|---|---|
| Standard deduction | $8,000 | $16,050 | $11,200 |
| Personal exemption | $0 | $0 | $0 |
New York payroll programs
These employee contributions come out of each paycheck in addition to income tax.
| Program | Employee rate | Wage cap |
|---|---|---|
| Disability Benefits (NY SDI) (Employee share is 0.5% of wages capped at $0.60 per week; wageBase is the annualized cap ($120/week x 52), so the yearly maximum is $31.20. Employers may pay it instead.) | 0.5% | $6,240 |
| Paid Family Leave (2026 employee rate 0.432% of gross wages up to the NY statewide average annual wage, an annual maximum of $411.91.) | 0.43% | $95,349 |
Local income taxes
New York City residents also pay NYC resident income tax (3.078%-3.876% in four brackets on NY taxable income), and Yonkers residents pay a resident surcharge of 16.75% of their net New York State tax; nonresidents working in Yonkers pay a 0.5% earnings tax. Pick your city in the calculator to include it.
| City or area | Resident rate | Applies to |
|---|---|---|
| New York City (NYC resident income tax on New York taxable income (full-year residents). The 3.078%-3.876% schedule is the same as 2025. Under current law these rates apply to tax years beginning before 2027; bill S10609, which would extend them through 2029, passed the State Senate on June 2, 2026 but had not passed the Assembly. The 2026 state budget did not raise NYC income tax rates. NYC household and school tax credits are not included. Nonresidents who only work in NYC owe no NYC income tax.) | 3.078% to 3.876% | New York taxable income |
| Yonkers (Yonkers resident income tax surcharge is 16.75% of net New York State income tax (state tax after certain credits), unchanged for 2026. Nonresidents who work in Yonkers instead pay a 0.50% nonresident earnings tax on Yonkers wages.) | 16.75% of state tax | New York income tax |
Sources: NYS Tax Dept, Form IT-201 instructions (2025), line 55 Yonkers worksheet, NYS Tax Dept, NYS-50-T-NYC (1/26) NYC withholding tables, effective Jan 1 - Dec 31, 2026, NY Senate, S10609 (2025-2026), extends expiring NYC personal income tax rates, NYS Tax Dept, NYS-50-T-Y (1/26) Yonkers withholding tables and methods, effective Jan 1 - Dec 31, 2026.
Take-home pay in New York at common salaries
Single filer, 2026 rules, no pre-tax deductions or local taxes.
| Salary | Federal tax | FICA | New York taxes | Take-home | Biweekly |
|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $1,184 | $25,101 | $965 |
| $40,000 | $2,620 | $3,060 | $1,767 | $32,553 | $1,252 |
| $50,000 | $3,820 | $3,825 | $2,350 | $40,005 | $1,539 |
| $60,000 | $5,020 | $4,590 | $2,933 | $47,457 | $1,825 |
| $75,000 | $7,670 | $5,738 | $3,808 | $57,784 | $2,222 |
| $100,000 | $13,170 | $7,650 | $5,303 | $73,877 | $2,841 |
| $150,000 | $24,734 | $11,475 | $8,253 | $105,538 | $4,059 |
How New York compares
At a $60,000 salary, New York ranks #47 of 51 for take-home pay. The table below shows the states closest in take-home pay.
Minimum wage in New York
The New York minimum wage is $17.00 an hour as of January 1, 2026. A full-time minimum wage job pays $35,360 a year before taxes and about $29,095 after taxes. See the full New York minimum wage guide for tipped wages and scheduled increases.
What this calculator does not include
Ignores the supplemental tax (tax benefit recapture) that claws back the benefit of the lower brackets once NY AGI exceeds $107,650, so high earners owe more than the bracket math suggests. Also ignores the $1,000 dependent exemption, household credit, Empire State child credit and NY EITC. The calculator also leaves out dependents, tax credits, additional withholding on your W-4 and non-wage income. Your employer's withholding can differ from your final tax bill.
Frequently asked questions
Does New York have a state income tax?
Yes. New York taxes wages at graduated rates from 3.9% to 10.9% for 2026. Your employer withholds it from each paycheck along with federal taxes.
How much is $60,000 after taxes in New York?
A single filer earning $60,000 in New York keeps about $47,457 a year, or $3,955 a month, in 2026. That ranks 47 of 51 for take-home pay at that salary.
Does New York have local income taxes?
New York City residents also pay NYC resident income tax (3.078%-3.876% in four brackets on NY taxable income), and Yonkers residents pay a resident surcharge of 16.75% of their net New York State tax; nonresidents working in Yonkers pay a 0.5% earnings tax.
What is the minimum wage in New York?
The minimum wage in New York is $17.00 an hour as of January 1, 2026. Full time, that is $35,360 a year before taxes and about $29,095 after taxes for a single filer.
Sources
- NYS DTF, Instructions for Form IT-2105 (2026), New York State and New York City tax rate schedules and standard deduction table
- NY Tax Law Section 601 (rate schedules for 2026 and later years)
- NYS DTF, Withholding tax rate changes (2026 revisions)
- New York Paid Family Leave Updates for 2026
- NYS Workers' Compensation Board, Disability Benefits and Paid Family Leave Insurance (employee contribution)
- NY Senate - A3009-C (Chapter 59 of 2025), Part B middle-class tax cut
- IRS Rev. Proc. 2025-32 (2026 federal tax tables)