How New York taxes your paycheck
New York uses a graduated income tax with 9 brackets, from 3.9% on the first slice of taxable income to 10.9% on income over $25,000,000 for single filers. Each rate applies only to the income inside its bracket, so moving into a higher bracket never lowers your take-home pay. Before the rates apply, New York allows a standard deduction of $8,000 for single filers and $16,050 for married couples filing jointly.
On a $75,000 salary, a single filer owes about $3,453 in New York income tax for 2026, an effective state rate of 4.6%.
New York City and Yonkers local taxes are not included.
| Rate | Single: taxable income | Married filing jointly: taxable income |
|---|---|---|
| 3.9% | $0 | $0 |
| 4.4% | over $8,500 | over $17,150 |
| 5.15% | over $11,700 | over $23,600 |
| 5.4% | over $13,900 | over $27,900 |
| 5.9% | over $80,650 | over $161,550 |
| 6.85% | over $215,400 | over $323,200 |
| 9.65% | over $1,077,550 | over $2,155,350 |
| 10.3% | over $5,000,000 | over $5,000,000 |
| 10.9% | over $25,000,000 | over $25,000,000 |
Take-home pay in New York at common salaries
These figures use the 2026 federal brackets and standard deduction, Social Security and Medicare, and New York state tax, for someone paid every two weeks with no 401(k) or other pre-tax deductions. Enter your own salary and deductions in the calculator above for a personal estimate.
| Salary | New York tax (single) | Take-home, single | Per paycheck, single | Take-home, married |
|---|---|---|---|---|
| $40,000 | $1,563 | $32,757 | $1,259.88 | $35,189 |
| $60,000 | $2,643 | $47,747 | $1,836.42 | $50,529 |
| $80,000 | $3,723 | $61,387 | $2,361.04 | $65,519 |
| $100,000 | $4,860 | $74,320 | $2,858.47 | $80,509 |
| $150,000 | $7,810 | $105,981 | $4,076.20 | $116,284 |
How New York compares with neighboring states
On a $75,000 salary, New York's income tax is the 43rd-lowest of the 50 states and DC (1st = lowest), counting the 9 states that don't tax wages at all.
Among neighboring states, Pennsylvania takes the least state income tax on $75,000 ($2,303) and Massachusetts the most ($3,530).
| State | State income tax | Annual take-home |
|---|---|---|
| New York | $3,453 | $58,140 |
| Connecticut | $3,375 | $58,218 |
| Massachusetts | $3,530 | $58,063 |
| New Jersey | $2,598 | $58,995 |
| Pennsylvania | $2,303 | $59,290 |
| Vermont | $2,483 | $59,109 |
What this estimate leaves out
New York also allows county or city income taxes. Where they apply, they average about 1.6% of adjusted gross income (Tax Foundation, 2023 data), so check your local rate and add it to this estimate. State disability insurance and paid family-leave contributions and local income taxes are not included, and the federal figures assume the standard deduction with no credits such as the Child Tax Credit. Head-of-household and married-filing-separately returns use the state's single schedule, which a few states set separately.
Shopping in New York as well? The New York sales tax calculator adds state and local sales tax to any price, and the paycheck calculator is available for all 50 states and DC.