New York State Income Tax Calculator
Calculate your New York state income tax for 2026. NY has progressive tax rates from 4% to 10.9% - among the highest in the nation. NYC residents pay additional city income tax (3-3.9%). This calculator shows NY STATE tax only. Add NYC tax if applicable. NY standard deduction: $8,000 single, $16,050 married. High earners face combined state + federal rates exceeding 50%. Many New Yorkers consider FL or TX to save thousands annually.
What is the New York state income tax rate for 2026?
New York has progressive income tax rates from 4% to 10.9% depending on income. For single filers: 4% on first $8,500, increasing to 10.9% on income over $25 million. Most middle-income earners (under $80,000) pay 4-5.5%. High earners ($1M+) face 9.65-10.9%. NYC residents pay ADDITIONAL city income tax (3.078-3.876%), making total rates 7-14%+ in NYC. NY ranks among the highest-taxed states, especially for NYC residents. The top rate of 10.9% is second only to California's 13.3%.
Do NYC residents pay city income tax on top of state tax?
Yes! NYC residents pay BOTH NY state tax AND NYC city income tax. NYC tax rates (2026): 3.078% to 3.876% based on income. Combined effective rates in NYC: Low income (~$50k): 7-8% total, Middle income (~$100k): 9-10% total, High income ($500k+): 13-14% total. This makes NYC one of the highest-taxed cities in America. Yonkers also has city tax (1.5-1.9%). If you live in NY state but outside NYC, you only pay state tax. Example: $100,000 earner pays $5,500 state + $3,600 NYC = $9,100 total vs $0 in Florida.
Does New York tax Social Security and retirement income?
Partially. Social Security: Exempt (not taxed by NY). Pensions: Public pensions (government, military) exempt up to $20,000; private pensions are taxable. IRA/401k withdrawals: Fully taxable as ordinary income. NY offers modest breaks: $20,000 pension/annuity exclusion if under age 59.5 or income under certain thresholds. Compared to Florida (no tax on any retirement income) or Pennsylvania (no tax on all retirement income), NY is much less retiree-friendly. Many NY retirees move to FL or other no-tax states to avoid state taxes on retirement distributions.
How does New York tax compare to neighboring states?
NY vs neighbors: New Jersey: 1.4-10.75% (similar high rates). Connecticut: 3-6.99% (lower than NY). Pennsylvania: 3.07% flat (much lower, plus no tax on retirement). Vermont: 3.35-8.75% (lower than NY). Massachusetts: 5% flat + 4% on investment income (simpler, often lower). NY disadvantage: Higher rates, complex brackets, NYC adds city tax. Property taxes also very high (2nd highest in US). Total tax burden in NY ranks #1 nationally. Many high earners and retirees leave NY for FL, TX, or southern states to save tens of thousands annually.