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New York Income Tax Calculator

Estimate your 2026 combined federal and New York income tax — New York adds progressive state income tax on top of federal.

InputsTY-2026
$
$
$
Federal + state tax18.0% effective
$18,030/yr
10% on $12,400$1,240
12% on $38,000$4,560
22% on $33,500$7,370
federal tax subtotal$13,170
NY state tax$4,860
taxable income
$83,900
marginal rate
22.0%
after tax
$81,970

A single filer earning New York's median household income of $86,830 owes about $4,092 in New York state income tax — an effective state rate of 4.71%. That is state tax only, on top of federal income tax and FICA.

Based on 2026 New York rules and 2026 federal rules, with the standard deduction and no other adjustments. Median income is the 2024 Census figure.

Income tax in New York

New York's graduated income tax runs from 3.9% up to 10.9% on the highest incomes for 2026, with a standard deduction of $8,000 single / $16,050 married filing jointly. Residents of New York City owe an additional city income tax (roughly 3.1% to 3.9%) that this calculator does not include, so a NYC paycheck nets less than the estimate shown.

New York income tax structure (2026)

New York uses 9 progressive brackets on income above a $8,000 standard deduction (single). Single-filer brackets:

$0 – $8,5003.90%
$8,501 – $11,7004.40%
$11,701 – $13,9005.15%
$13,901 – $80,6505.40%
$80,651 – $215,4005.90%
$215,401 – $1,077,5506.85%
$1,077,551 – $5,000,0009.65%
$5,000,001 – $25,000,00010.30%
over $25,000,00110.90%

Married-filing-jointly thresholds differ (roughly double in most states). Each slice of income is taxed at its own rate — landing in a bracket does not tax your whole income at that rate.

Common questions

What are New York's income tax brackets?
New York uses nine brackets for 2026: 3.9% on the first $8,500 of taxable income, rising to 10.9% above $25,000,000 for a single filer. Taxable income here is your pay after a $8,000 standard deduction ($16,050 joint). Joint filers get their own, wider thresholds.
What is the top income tax rate in New York?
10.9%, and it begins at $25,000,000 of taxable income for a single filer — about $25,008,000 of gross pay, once the $8,000 New York subtracts first is added back. Only income above that point is taxed at that rate; everything below it is taxed in the lower bands.
What is the tax bill on $86,830 in New York?
A single filer on New York's $86,830 median household income (2024 Census figure) owes roughly $4,092 to New York — an effective state rate of 4.7% against a 5.4% marginal bracket — plus about $10,273 of federal income tax.
Does New York have a standard deduction?
Yes — $8,000 for a single filer and $16,050 on a joint return, subtracted before New York's 3.9%-to-10.9% schedule is applied. A single filer earning less than $8,000 therefore owes no New York income tax at all, and at the state's $86,830 median income it saves about $432 of tax.

How we calculate this

Federal brackets per our income-tax methodology, plus New York's 2026 state tax. Estimates only — not tax advice.

Tax Foundation: 2026 state individual income tax rates and brackets →NY Dept. of Taxation and Finance, NYS-50-T-NYS (1/26) Withholding Tax Tables and Methods, effective Jan 1 2026 →

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Estimates for general informational purposes only; not tax advice. New York figures are simplified (credits, local taxes, and AGI adjustments vary) and should be verified with the state Department of Revenue. This estimate does not model the New York City and Yonkers resident income taxes and New York's state disability (DBL) premium and Paid Family Leave deduction. New York's nine-rate 3.9%–10.9% schedule is applied with the $8,000 standard deduction for a single filer — not itemized deductions or any New York tax credit.