New York Salary Calculator 2026: State + NYC Tax Breakdown & Take Home Pay
New York is one of the most expensive states for workers when it comes to taxes. New York State imposes income tax rates from 4% to 10.9%, and if you live or work in New York City, you face an additional city income tax of 3.078% to 3.876%. Combined with federal taxes and FICA, a NYC resident earning $100,000 can lose over 35% of their gross pay to taxes alone — before health insurance or retirement contributions.
The double layer of state plus city tax makes New York City uniquely expensive for workers. A $120,000 salary in Manhattan yields roughly the same take-home pay as a $90,000 salary in Texas or Florida, and that is before accounting for NYC's sky-high rent (median $3,500+/month for a one-bedroom). Workers commuting from New Jersey or Connecticut face different tax structures that can be more or less favorable depending on income level.
This calculator converts New York salaries across all pay frequencies and provides both unadjusted and adjusted figures. Use it to evaluate NYC job offers, compare New York compensation to other states, or plan your budget around your actual take-home pay as a New York worker.
Key Data & Statistics
| Metric | Value |
|---|---|
| NY State Tax Brackets | 4% to 10.9% (9 brackets) |
| NYC Income Tax | 3.078% to 3.876% |
| NY Effective Rate ($100K, NYC) | ~9.5% combined state+city |
| NY Standard Deduction (Single) | $8,000 |
| NYC Median Rent (1BR) | $3,500+/month |
| NYC Cost of Living Index | 187 (US avg = 100) |
| NY Median Household Income | ~$75,000 |
| NYC Commuter Tax | Applies to non-residents working in NYC |
Pre-Calculated Examples
| Scenario | Gross | Net / Result | Details |
|---|---|---|---|
| $70K in NYC | $70,000 | $49,700 | Fed ~$8,500 + FICA ~$5,355 + NYS ~$3,600 + NYC ~$2,300 |
| $100K in NYC | $100,000 | $67,500 | Fed ~$14,000 + FICA ~$7,650 + NYS ~$5,800 + NYC ~$3,400 |
| $150K in NYC | $150,000 | $96,000 | Fed ~$25,000 + FICA ~$11,475 + NYS ~$10,200 + NYC ~$5,200 |
| $100K in NY (outside NYC) | $100,000 | $71,000 | Fed ~$14,000 + FICA ~$7,650 + NYS ~$5,800 (no city tax) |
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Salary Information
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Who Uses This Calculator?
NYC job offer evaluation
Calculate your actual take-home pay in New York City after the double layer of state and city income tax.
NYC vs NJ comparison
Compare living in NYC (city tax but no commuter costs) vs New Jersey (no city tax but NJ state tax and commuting expenses).
Remote work from NY
If you work remotely for an out-of-state employer while living in New York, you still owe NY state and potentially NYC tax. Calculate the impact.
Cost of living analysis
Combine salary data with NYC's high cost of living to determine if a New York job offer provides sufficient purchasing power.