New York Income Tax Calculator
A full paycheck planning tool — Federal, New York State, NYC/Yonkers, Social Security & Medicare — plus a Tax Health Score, raise calculator, relocation comparison, and personalized recommendations.
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How New York State Income Tax Works
New York uses a progressive, nine-bracket tax system under Tax Law Section 601, with marginal rates running from 4.00% up to 10.90% for the 2025 tax year. Only the income that falls within each bracket is taxed at that bracket’s rate — moving into a higher bracket never increases the tax on income you already earned in a lower one.
Before brackets are applied, your gross income is reduced by either the standard deduction ($8,000 single / $16,050 married filing jointly) or your itemized deductions, whichever is greater. New York City and Yonkers residents pay an additional local tax on top of the state amount — NYC applies its own four-bracket schedule (3.078% to 3.876%), while Yonkers residents pay a 16.75% surcharge on their net NY State tax liability. Federal tax uses the IRS’s seven-bracket schedule (10% to 37%) with a separate, larger standard deduction, and Social Security (6.2% up to the $176,100 wage base) and Medicare (1.45%, plus 0.9% above $200,000) are withheld on top of income tax.
Important: Taxpayers with New York adjusted gross income above $107,650 must use a tax computation worksheet rather than the simple bracket table, since New York recaptures part of the benefit of lower-bracket rates at higher income levels. This calculator estimates tax using the standard marginal-rate method for planning purposes only — always confirm final figures with a tax professional or the official IRS and NY Form IT-201 instructions.
Frequently Asked Questions
New York has nine tax brackets for 2025, with rates of 4.00%, 4.50%, 5.25%, 5.50%, 6.00%, 6.85%, 9.65%, 10.30%, and 10.90%. Which rate applies to a given dollar of income depends on your total taxable income and filing status.
Your marginal rate is the rate on your last dollar of income; your effective rate is your total tax divided by your total income. Because New York and federal tax are both progressive, most people’s effective rate is well below their marginal rate.
No. New York does not tax Social Security benefits at the state level, regardless of income.
New York City residents pay an additional local income tax with four brackets ranging from 3.078% to 3.876% of NYC taxable income, on top of New York State tax.
On state income tax alone, yes — both states levy no state income tax. However, your total cost of living, property taxes, and sales taxes also change, so the income-tax savings shown here is only one part of a full relocation decision.
For tax year 2025, the standard deduction is $8,000 for single filers, $16,050 for married filing jointly, $8,000 for married filing separately, and $11,200 for head of household.
New York has nine tax brackets for 2025, with rates of 4.00%, 4.50%, 5.25%, 5.50%, 6.00%, 6.85%, 9.65%, 10.30%, and 10.90%. Which rate applies to a given dollar of income depends on your total taxable income and filing status.
Your marginal rate is the rate on your last dollar of income; your effective rate is your total tax divided by your total income. Because New York and federal tax are both progressive, most people’s effective rate is well below their marginal rate.
No. New York does not tax Social Security benefits at the state level, regardless of income.
New York City residents pay an additional local income tax with four brackets ranging from 3.078% to 3.876% of NYC taxable income, on top of New York State tax.
On state income tax alone, yes — both states levy no state income tax. However, your total cost of living, property taxes, and sales taxes also change, so the income-tax savings shown here is only one part of a full relocation decision.
For tax year 2025, the standard deduction is $8,000 for single filers, $16,050 for married filing jointly, $8,000 for married filing separately, and $11,200 for head of household.
Methodology: Calculations use the official 2025 New York State (NY Tax Law §601) and IRS federal tax rate schedules, current as of June 2026, plus 2025 Social Security (6.2% to the $176,100 wage base) and Medicare (1.45% + 0.9% additional Medicare tax) rates. Relocation comparisons use simplified, single-bracket-set estimates of other states’ income tax and exclude property/sales tax and cost-of-living differences. This tool provides estimates for planning purposes only and is not tax advice. High earners above $107,650 in NY AGI should confirm results against the official tax computation worksheet.