Estimate your New York state income tax plus combined federal and NY state tax for 2026. 10.9% top rate.
New York has progressive income tax from 4% to 10.9%, with the top rate on income over $25 million. New York City residents pay an additional city income tax up to 3.876%. New York does not tax Social Security benefits. Use the calculator above to estimate your combined federal and New York state income tax for 2026. State tax figures use a simplified rate — for precise New York state tax calculations, consult the New York Department of Revenue or a licensed tax professional.
New York has a 10.9% top rate state income tax for 2026. New York has progressive income tax from 4% to 10.9%, with the top rate on income over $25 million. New York City residents pay an additional city income tax up to 3.876%. New York does not tax Social Security benefits. The state income tax is calculated separately from federal income tax and is paid through payroll withholding or quarterly estimated payments.
New York has its own state standard deduction separate from the federal standard deduction ($15,750 single, $31,500 MFJ in 2026). For precise New York state deduction amounts, consult the New York Department of Revenue or a state tax professional.
New York's 10.9% top rate state income tax can be compared to other states using our state tax calculator above. The U.S. average top marginal state income tax rate is approximately 5-6%. Nine states have no income tax at all (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming), while California has the highest at 13.3%.
New York offers state tax credits and deductions that may reduce your state tax liability. Common state credits include earned income credits, child tax credits, and credits for the elderly. Consult the New York Department of Revenue website or a licensed tax professional for credits specific to your situation and income level.
Use the calculator above. Enter your income and NY is pre-selected as your state. The calculator computes your 2026 federal income tax using the One Big Beautiful Bill Act brackets (10%-37%), adds your estimated New York state income tax (10.9% top rate simplified), and displays your total tax burden, combined effective rate, and annual take-home pay. All calculations happen instantly in your browser.