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How New York Paycheck Tax Is Calculated (2026)
Source: New York State Department of Taxation and Finance| Taxable income bracket | Rate |
|---|---|
| $0 – $17,150 | 4% |
| $17,150 – $23,600 | 4.50% |
| $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 | 10.30% |
| $25,000,000 – + | 10.90% |
Standard deduction (single): $8,000, subtracted from gross income before applying brackets.
New York Paid Family Leave (PFL): 0.432% of wages, capped at $411.91/year. Mandatory employee payroll deduction, 0.432% of wages in 2026, capped at $411.91/year. Funds paid family leave benefits — separate from income tax.
Federal Tax & FICA (shared across all states)
| Filing status | Standard deduction |
|---|---|
| Single | $16,100 |
| Married Filing Jointly | $32,200 |
| Head of Household | $24,150 |
| Federal brackets (all filing statuses) | 10% / 12% / 22% / 24% / 32% / 35% / 37% |
|---|---|
| Social Security | 6.2% up to $184,500 wage base |
| Medicare | 1.45% on all wages, +0.9% above $200,000 single/HoH, $250,000 MFJ |
⚠️ New York's married-filing-jointly and head-of-household state brackets have not yet been independently verified against the primary source above — this calculator uses New York's single-filer brackets as an estimate when those statuses are selected.
Guideline version 2026-NY-v1 · Last verified 2026-07-26
New York Paycheck Calculator FAQ
What are New York's state income tax brackets for 2026?
New York has 9 brackets for single filers, from 4% on income up to $17,150 to 10.9% above $25,000,000. The FY2026 budget cut the bottom five bracket rates by 0.1 point.
Does this calculator include New York City tax?
Yes — select New York City resident (or Yonkers resident) from the local tax dropdown to include it. NYC resident tax uses 4 brackets from 3.078% to 3.876%; Yonkers resident tax is a 16.75% surcharge on your net NY state tax. Yonkers non-resident earnings tax and the MCTMT (for self-employment income) are not modeled.
What is New York Paid Family Leave (PFL)?
A mandatory employee payroll deduction — 0.432% of wages in 2026, capped at $411.91/year — that funds paid leave benefits. It is separate from income tax.
Methodology & Source
New York state tax figures sourced from New York State Department of Taxation and Finance (https://www.tax.ny.gov/), citing N.Y. Tax Law § 601 — FY2026 budget cut the bottom five bracket rates 0.1 point starting tax year 2026. Federal brackets, standard deductions (single/MFJ/HoH), and FICA constants sourced from the IRS (Revenue Procedure 2025-32; married-filing-jointly Additional Medicare threshold of $250,000 is a separate, unindexed statutory figure). New York's married-filing-jointly and head-of-household figures are not yet independently verified and currently fall back to single-filer brackets — see the caveat in the formula section above.
Local tax figures sourced from NYS Department of Taxation and Finance (IT-201 instructions) / City of Yonkers Code, Article IX. NYC resident brackets cross-checked against two independent secondary sources 2026-07-29; Yonkers 16.75% resident surcharge (of net NY state tax) is a long-standing, unindexed statutory figure, cross-checked against a second secondary source the same day.
Bonus federal withholding uses the flat supplemental-wage rate (22%, 37% above $1,000,000 cumulative supplemental wages/year), per IRS Publication 15 (Circular E), Employer's Tax Guide, 2026 edition — the alternative "aggregate method" is not modeled.
This is an estimate based on standard single-filer federal, FICA, NY state tax, and NY PFL calculations. Actual withholding may differ based on your W-4/IT-2104 elections, pre-tax deductions, NYC/Yonkers tax, and other factors.
Pre-tax deductions assumption: HSA and health insurance premium contributions are assumed to also reduce the New York Paid Family Leave (PFL) wage base, consistent with their FICA wage treatment. This is a reasonable default, not independently verified against New York's specific New York Paid Family Leave (PFL) statute.
Guideline version: 2026-NY-v1 · Effective: 2026-01-01 · Last verified: 2026-07-26