New York Income Tax Calculator 2026
Estimate your 2026 New York state and federal income tax. Includes New York tax brackets, a worked dollar example, and filing tips.
Key Tax Facts: New York
- New York City residents pay an additional 3.078%–3.876% city tax
- Top combined state+city rate of 14.776% is among the highest in the U.S.
- Pension income from NY government employment is fully exempt
- Social Security benefits are fully exempt
New York State Income Tax Overview
New York has a graduated state income tax with nine brackets ranging from 4% to 10.9% for 2025. Here is how the brackets apply to single filers: 4% on income up to $8,500; 4.5% on $8,501–$11,700; 5.25% on $11,701–$13,900; 5.85% on $13,901–$21,400; 6.25% on $21,401–$80,650; 6.85% on $80,651–$215,400; 9.65% on $215,401–$1,077,550; 10.3% on $1,077,551–$5,000,000; and 10.9% on income above $5,000,000. Married couples filing jointly have higher bracket thresholds for most rates. To illustrate with a real example: a single New York State filer earning $75,000 in taxable income owes approximately $3,895 in state income tax — an effective rate of about 5.2%. New York City residents face an additional city income tax of 3.078% to 3.876% on top of state tax, and Yonkers residents pay an additional surcharge. For a NYC resident earning $75,000, the combined state and city income tax can exceed $6,500 annually. New York provides a standard deduction of $8,000 for single filers and $16,050 for married couples filing jointly. Social Security income is fully exempt from New York State income tax regardless of income level. New York offers a pension and annuity income exclusion of up to $20,000 for residents 59½ and older, and all government pensions — federal, state, and local — are fully exempt. New York also provides a school tax relief (STAR) credit for qualifying homeowners to help offset property tax burdens.
New York Income Tax Brackets (2026) projected
These are the New York state income tax brackets for single filers, carried forward from 2025 pending official 2026 figures. Only the income within each bracket is taxed at that rate -- not your entire income.
| Taxable Income | Tax Rate |
|---|---|
| $0 - $17,150 | 4% |
| $17,150 - $23,600 | 4.5% |
| $23,600 - $27,900 | 5.25% |
| $27,900 - $161,550 | 5.85% |
| $161,550 - $323,200 | 6.25% |
| $323,200 - $2,155,350 | 6.85% |
| $2,155,350 - $5,000,000 | 9.65% |
| $5,000,000 - $25,000,000 | 10.3% |
| Over $25,000,000 | 10.9% |
Source: New York State Department of Taxation and Finance. Brackets shown are for single filers. Married filing jointly thresholds may differ.
What a New York Resident Actually Pays: A Worked Example
Your effective tax rate is almost always lower than your top bracket. Here is how the math works for a single filer earning $65,000.
Enter Your Tax Information
Frequently Asked Questions -- New York Income Tax
Does New York have a state income tax?
Yes. New York imposes a state income tax with a top marginal rate of 10.9%. This is separate from your federal income tax obligation.
What is the New York income tax rate for 2026?
New York uses a graduated income tax system with rates from 4% to 10.9%. Only the income within each bracket is taxed at that bracket's rate -- not your entire income.
Do I have to file a New York state tax return?
Most full-year New York residents with income above the state filing threshold must file a state return. Check the New York State Department of Taxation and Finance for current thresholds and requirements.
How accurate is this New York state tax estimate?
This is a planning estimate. The state result uses New York's published brackets but does not account for all state deductions, credits, exemptions, or local taxes. Verify with official New York tax forms or a qualified tax professional.
Does this calculator include federal income tax?
Yes. The results show your estimated New York state income tax and your federal income tax using 2026 federal brackets (projected until the IRS publishes official 2026 figures) -- your full combined picture in one place.
Where can I find official New York tax forms?
Official forms, instructions, and filing guidance are available at the New York State Department of Taxation and Finance.
What is the sales tax rate in New York?
New York's combined state and average local sales tax rate is 8.52%. This is separate from income tax and applies to most retail purchases -- use our sales tax calculator to check a specific purchase.
When are New York 2026 state taxes due?
2026 taxes are generally filed in 2027. The New York filing deadline is April 15, 2027, the same as the federal deadline.
Understanding Your New York Tax Estimate
Your results combine two separate bills: federal tax owed to the IRS, and New York state tax owed to the New York State Department of Taxation and Finance. The state return is filed separately from your federal Form 1040, with a state filing deadline of April 15. For the mechanics of how bracket math actually works -- why your effective rate is almost always lower than your top bracket -- see our marginal vs. effective tax rate guide.
Lowering Your New York Bill
Pre-tax retirement contributions reduce your federal and New York taxable income in the same move -- see our 401(k) contribution limits and HSA limits guides for the current caps. Beyond that, New York-specific credits and deductions that don't exist at the federal level are listed at the New York State Department of Taxation and Finance -- worth checking, since these are easy to miss if you only look at federal guidance.
Combined Sales + Income Tax Picture
New York's combined state-plus-average-local sales tax rate is 8.52%. If you're self-employed, that's an added layer on top of income tax -- our self-employment tax calculator covers the SE-specific piece separately.
Disclaimer: Estimates for educational purposes only. State tax results are approximations based on published bracket data and do not account for all deductions, credits, exemptions, local taxes, or individual situations. Not tax, legal, or financial advice. Consult the New York State Department of Taxation and Finance or a qualified tax professional for guidance specific to your situation.