New York income tax calculator
Estimate your 2026 New York and federal income tax and whether you will get a refund. A single filer earning $75,000 owes about $3,453 in New York income tax and $7,676 in federal income tax.
By John Crane, MBA & the Editorial Team · Updated for the 2026 tax year. How we check our numbers
Estimated federal amount owed
$876.00
Federal tax $9,876 · New York owed $3,993
| Federal tax | $9,876 | 11.6% |
|---|---|---|
| New York and local tax | $3,993 | 4.7% |
| Income after these taxes | $71,131 | 83.7% |
- Adjusted gross income
- $85,000
- Taxable income
- $68,900
- Deduction used
- Standard $16,100
- Federal bracket
- 22%
- Effective federal rate
- 11.6%
- NY tax after credits
- $3,993
Where your federal tax comes from
Ordinary income by bracketFederal return summary
Form 1040, 2026| Line | Amount |
|---|---|
| Total income | $85,000.00 |
| Adjustments | -$0.00 |
| Adjusted gross income | $85,000.00 |
| Standard deduction | -$16,100.00 |
| Taxable income | $68,900.00 |
| Income tax | $9,876.00 |
| Total federal tax | $9,876.00 |
| Withholding and estimated payments | $9,000.00 |
| Federal amount owed | $876.00 |
New York return
2026 rules| Line | Amount |
|---|---|
| State taxable income | $77,000.00 |
| Tax before credits | $3,993.40 |
| State tax after credits | $3,993.40 |
| State withheld | $0.00 |
| State amount owed | $3,993.40 |
- 2026 NYS and NYC rates and recapture are final; household credits, the NYC EIC and NYC tax elimination credit are not included.
Income tax in New York
- New York starts from federal AGI and taxes 2026 income at rates from 3.9% to 10.9%, with a standard deduction of $8,000 for single filers and $16,050 for joint filers.
- Social Security and New York, local and federal government pensions are fully exempt, and filers 59 1/2 or older can exclude up to $20,000 of other pension and IRA income; from 2026, qualified tips are also subtracted, up to the $25,000 federal deduction.
- Refundable credits include the Empire State child credit ($1,000 per child under 4 and $500 per child 4 to 16), a state EITC of 30% of the federal credit, and a care credit of 55% down to 4% of expenses.
- New York City residents also pay city income tax at 3.078% to 3.876%, and Yonkers residents pay a surcharge of 16.75% of net state tax.
2026 income tax at common incomes (wages only, standard deduction)
| Income | Federal tax, single | New York tax, single | New York rate, single | New York tax, married |
|---|---|---|---|---|
| $40,000 | $2,623 | $1,563 | 3.9% | $971 |
| $60,000 | $5,023 | $2,643 | 4.4% | $2,041 |
| $75,000 | $7,676 | $3,453 | 4.6% | $2,851 |
| $100,000 | $13,176 | $4,861 | 4.9% | $4,201 |
| $150,000 | $24,734 | $8,291 | 5.5% | $7,182 |
Rates
Top rate 10.9%. At $75,000 of wages, each extra $1,000 adds about $54 of New York tax.
Family example
A married couple earning $60,000 with two children and $4,000 of child care: New York tax of $1,933 before credits, credits of Empire State child credit ($1,000), New York State EIC ($373), Child and dependent care credit ($1,313), for a refund of $752.
Local income tax
2 built-in jurisdictions: New York City resident, Yonkers resident. Pick yours in the calculator.
Examples assume wages only, the standard deduction and no other income. See what comes out of each check in the New York paycheck calculator.
More for New York: New York paycheck calculator · New York mortgage calculator · New York home affordability calculator
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How this is calculated
Federal return
The 2026 Form 1040: standard or itemized deduction, the new Schedule 1-A deductions, tax rates, child tax credit, child and dependent care credit and EITC.
New York
New York's 2026 resident return: its starting point, Social Security and retirement adjustments, deductions, exemptions, rates and main credits, plus local income tax figured on the state return.
Sources
Official New York tax guidance (5 sources), checked for 2026. 2026 NYS and NYC rates and recapture are final; household credits, the NYC EIC and NYC tax elimination credit are not included.
Sources
Related guides
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Questions
How much New York income tax do I pay on $75,000?
About $3,453 for a single filer with only wage income and the standard deduction (4.6% of income), or $2,851 for a married couple filing jointly on the same income. Federal income tax on $75,000 for a single filer is about $7,676.
What is New York's top income tax rate in 2026?
10.9% on the highest incomes. At $75,000 of wages, each extra $1,000 adds about $54 of New York tax. Local income tax can apply on top.
Does New York tax Social Security and retirement income?
Partly. A single retiree aged 67 with $30,000 of Social Security and $30,000 of pension or IRA withdrawals owes about $78 in New York income tax in 2026. Exclusions depend on age, income and the type of retirement income.