New York has some of the highest taxes in the US — state tax up to 10.9%, plus NYC adds up to 3.876% more. See exactly what you actually take home.
New York State income tax reaches up to 10.9% for top earners. If you live or work in New York City, an additional local income tax of up to 3.876% applies on top of state tax — making NYC workers among the most taxed in the country. Understanding your real take-home is critical for budgeting in one of the world's most expensive cities.
Turn on if you live or work in the five boroughs (Manhattan, Brooklyn, Queens, Bronx, Staten Island)
Estimates only. Uses NY progressive brackets and NYC local tax where selected. Consult a tax professional for advice.
| Gross Pay (this check) | $0.00 |
| Federal Income Tax | −$0.00 |
| NY State Income Tax | −$0.00 |
| Social Security (6.2%) | −$0.00 |
| Medicare (1.45%) | −$0.00 |
| Net Take-Home Pay | $0.00 |
New York uses progressive brackets ranging from 4% to 10.9%. The 10.9% rate applies to income over $25 million. Most middle-income earners in New York fall in the 6.85%–9.65% range. New York's standard deduction is $8,000 for single filers and $16,050 for married filing jointly.
New York City levies its own local income tax on top of state tax, ranging from 3.078% to 3.876%. This applies to anyone who lives in the five boroughs — Manhattan, Brooklyn, Queens, the Bronx, and Staten Island. If you work in NYC but live outside the city limits, you generally don't pay NYC local tax.
Substantially less. A New York City resident earning $100,000 pays roughly $6,000–$7,000 in NY state tax plus $3,000–$3,500 in NYC local tax — totaling $9,000–$10,500 that a Texas or Florida resident at the same salary pays $0. This gap is why many high earners have relocated from NYC to no-tax states.
New York City's minimum wage is $16.50 per hour in 2026. The statewide minimum wage for most of the rest of New York is $15.50 per hour. Long Island and Westchester County have their own rates. New York's minimum wage adjusts annually based on economic indicators.
No. NYC local income tax applies only to NYC residents. If you live in New Jersey, Connecticut, or anywhere outside the five boroughs but commute into the city to work, you pay New York State income tax but not the NYC local tax. However, you will still owe income tax in your home state.
Yonkers has its own local income tax of 1.61135% for residents and 0.50% for non-residents who work in Yonkers. This is separate from both NYC tax and NY state tax. Our calculator covers NY State and NYC — if you're in Yonkers, add approximately 1.6% to your deductions.
Pre-tax 401(k) contributions reduce both your federal and New York State taxable income. Since New York has both state and (for NYC residents) city income taxes, the tax savings from 401(k) contributions are even greater here than in low-tax states. A $500/month contribution might only reduce your NYC take-home by $310–$360 instead of $500.
No. New York State does not tax Social Security benefits, which is a notable exception to an otherwise high-tax environment. New York also exempts pensions from state and local government employees from state income tax, though private pensions and 401(k) withdrawals are taxable.