New York State Tax Calculator (US)
Calculate New York state income tax using progressive brackets from 4% to 10.9% for 2025. Get your taxable income, tax liability, effective and marginal tax rates with bracket breakdowns.
About This Calculator
The New York State Tax Calculator helps US residents estimate their New York state income tax liability based on annual income and filing status. New York has a progressive income tax system with rates ranging from 4% to 10.9%, making it one of the higher-tax states in the country. The calculator automatically applies the standard deduction and computes tax across all applicable brackets.
New York State Income Tax Brackets (2025)
New York state uses nine progressive tax brackets for single filers:
- 4% -- income up to $8,500
- 4.5% -- $8,501 to $11,700
- 5.25% -- $11,701 to $13,900
- 5.5% -- $13,901 to $80,650
- 6% -- $80,651 to $215,400
- 6.85% -- $215,401 to $1,077,550
- 9.65% -- $1,077,551 to $5,000,000
- 10.3% -- $5,000,001 to $25,000,000
- 10.9% -- over $25,000,000
Married couples filing jointly have wider brackets (starting at 4% up to $17,150) but the same top rate structure. The calculator supports both filing statuses.
Standard Deduction (2025)
Single filers can deduct $8,000 from their adjusted gross income. Married couples filing jointly get a $16,050 standard deduction. The calculator automatically applies the appropriate deduction based on your selected filing status.
New York City Local Tax
NYC residents pay an additional local income tax of 3.078% to 3.876% depending on filing status and income. Yonkers imposes a separate 2% local tax. These local taxes are in addition to the state income tax and federal taxes. This calculator focuses on New York State tax only.
Frequently Asked Questions
What is the New York state income tax rate?
New York has a progressive state income tax system with rates from 4% to 10.9% depending on income level. For tax year 2025, single filers pay 4% on income up to $8,500, 4.5% on $8,501-$11,700, 5.25% on $11,701-$13,900, 5.5% on $13,901-$80,650, 6% on $80,651-$215,400, 6.85% on $215,401-$1,077,550, 9.65% on $1,077,551-$5,000,000, 10.3% on $5,000,001-$25,000,000, and 10.9% on income over $25,000,000.
Does New York City have additional local income tax?
Yes, New York City imposes an additional local income tax on residents with rates from 3.078% to 3.876% depending on filing status and income level. The Yonkers city tax is 2% for residents. Combined with state taxes, NYC residents face some of the highest effective tax rates in the United States.
What is the standard deduction for New York state tax?
New York state income tax offers a standard deduction of $8,000 for single filers and $16,050 for married filing jointly as of 2025. New York City local tax does not offer a separate standard deduction. Itemized deductions are also available for taxpayers who have significant qualifying expenses.
How do I calculate New York state income tax?
To calculate New York state income tax, subtract the standard deduction from your adjusted gross income to get taxable income, then apply the progressive tax brackets. For example, a single filer with $80,000 AGI gets an $8,000 deduction, leaving $72,000 taxable. The tax is $600 plus 5.5% of the amount over $13,900, totaling approximately $3,795. Use this calculator for instant results.
What other taxes do New York residents pay?
New York residents pay federal income tax (10%-37% brackets), FICA tax (7.65% for Social Security and Medicare), New York state income tax (4%-10.9%), and NYC local income tax (3.078%-3.876% for city residents). The combined effective tax rate can exceed 40% for high-income earners in New York City.
Are retirement benefits taxed in New York?
New York offers generous retirement income exclusions. Up to $20,000 in pension and retirement income is exempt for individuals aged 59.5 or older, and up to $40,000 for married couples. Social Security benefits are generally not taxed by New York state, though they may be taxed at the federal level.
How does New York state tax compare to other states?
New York has one of the highest combined state and local tax burdens in the US due to its progressive income tax rates (up to 10.9%) and NYC local tax (up to 3.876%). Neighboring states like New Jersey (up to 10.75%), Connecticut (up to 6.99%), and Pennsylvania (flat 3.07%) all have lower top marginal rates. Nine states have no income tax at all.