New York Income Tax Calculator 2026
Calculate your combined federal and New York state income tax for 2026. See your federal brackets, New York tax, effective rate, and take-home pay — all calculated privately in your browser.
New York Income Tax: Graduated Brackets Up to 10.9%
New York uses a progressive income tax system with 9 brackets. Rates range from 4.0% to 10.9%, with higher income taxed at higher rates. New York City residents pay an additional 3.078%–3.876% city income tax on top of the state tax.
Like federal taxes, New York's system is marginal — only the income within each bracket is taxed at that bracket's rate. Combined with federal taxes (10%–37%), New York residents can face a total marginal rate of up to 47.9% on their highest dollars of income.
New York Tax Brackets for 2026 (Single Filer)
The New York income tax brackets for single filers are:
- 4.0% on income from $0 to $8,500
- 4.5% on income from $8,500 to $11,700
- 5.25% on income from $11,700 to $13,900
- 5.5% on income from $13,900 to $80,650
- 6.0% on income from $80,650 to $215,400
- 6.85% on income from $215,400 to $1,077,550
- 9.65% on income from $1,077,550 to $5,000,000
- 10.3% on income from $5,000,000 to $25,000,000
- 10.9% on income over $25,000,000
Your marginal rate is the rate on your last dollar of income. Your effective rate (total tax divided by total income) is always lower because of the progressive structure.
Tips to Lower Your New York Tax
Maximize pre-tax retirement contributions to reduce both federal and New York taxable income. The 2026 401(k) limit is $24,500 ($32,500 with catch-up for age 50+). If New York conforms to federal deductions, your standard deduction and itemized expenses also reduce your state tax liability.