New York Tax Calculator - Calculate NY State Taxes
Free New York tax calculator to estimate your state and federal income taxes with accurate 2025 NY tax brackets and NYC local tax rates
New York Tax Calculator
Tax Summary
What is a New York Tax Calculator?
A New York Tax Calculator is a free financial tool that estimates your total tax liability including New York state income tax, NYC local tax (if applicable), federal income tax, and FICA taxes (Social Security and Medicare). It helps New York residents understand their tax burden and take-home pay based on 2025 tax rates.
This calculator is essential for:
- NY Residents - Estimate total state, local, and federal tax liability
- NYC Residents - Calculate additional 3.078%-3.876% local income tax
- Job Relocation - Compare New York taxes to other states before moving
- Salary Negotiation - Understand net take-home pay when evaluating offers
- Budget Planning - Calculate actual disposable income after all taxes
To compare New York taxes with California's high rates, check out our California Tax Calculator to see how CA's 13.3% top rate compares to New York's 10.9% maximum.
For understanding tax savings in zero-income-tax states, explore our Texas Tax Calculator to calculate how much you could save by relocating from high-tax NY to tax-free Texas.
To analyze tax differences across multiple states before relocating, use our State Tax Comparison Calculator to compare New York against multiple states side-by-side.
For calculating your actual take-home pay per paycheck, try our Paycheck Tax Calculator to determine net income after NY state, NYC local, federal, and FICA taxes.
To see New York's ranking among all US states, check our Income Tax Comparison by State to view how NY's combined state and local taxes rank nationally.
How the Calculator Works
The calculation uses 2025 New York and federal tax brackets:
Step 1: Calculate Taxable Income
Taxable Income = Annual Income - Standard Deduction - Additional Deductions
Step 2: Calculate Federal Tax (Progressive Brackets)
10%, 12%, 22%, 24%, 32%, 35%, 37%
Step 3: Calculate NY State Tax (9 Brackets)
4%, 4.5%, 5.25%, 5.5%, 6%, 6.85%, 9.65%, 10.3%, 10.9%
Step 4: Calculate NYC Local Tax (If Applicable)
3.078%, 3.762%, 3.819%, 3.876%
Step 5: Calculate FICA Taxes
Social Security = min(Income, $176,100) × 6.2%
Medicare = Income × 1.45% (+ 0.9% if >$200k)
Final: Total Tax and Net Income
Net Income = Gross Income - All Taxes
Key New York Tax Concepts
Progressive Tax System
New York uses a progressive tax system with 9 brackets from 4% to 10.9%, meaning higher income is taxed at higher rates.
NYC Local Income Tax
NYC residents pay additional local tax from 3.078% to 3.876% on top of state tax. This only applies to city residents, not commuters.
Standard Deduction
New York standard deduction for 2025: $8,000 (single/married filing separately) or $16,050 (married filing jointly).
High Tax State
New York has one of the highest combined state and local tax burdens in the US, especially for NYC residents.
Marginal vs Effective Rate
Your marginal rate is the tax on your next dollar earned. Effective rate is your total tax divided by income.
FICA Taxes
Federal payroll taxes: 6.2% Social Security (up to $176,100 cap) and 1.45% Medicare (no cap, +0.9% over $200k).
How to Use This Calculator
Enter Annual Income
Input your gross annual income before any deductions (e.g., $75,000)
Select Filing Status
Choose single, married filing jointly, or head of household
NYC Resident Status
Select if you live in NYC to include additional 3.078%-3.876% local tax
Enter Dependents
Add number of qualifying dependents for federal tax credits
Calculate Taxes
Click Calculate to see detailed federal, state, local, and FICA tax breakdown
Review Results
See total tax, effective rate, marginal rate, and net take-home income
Benefits of Using This Calculator
- • Accurate 2025 Tax Rates: Uses current New York and federal tax brackets for precise calculations.
- • NYC Local Tax Included: Automatically calculates additional NYC local income tax for city residents.
- • Complete Tax Picture: Calculates federal, state, local, Social Security, and Medicare taxes together.
- • Relocation Planning: Compare New York's high taxes to other states when considering moves.
- • Job Offer Evaluation: Understand true take-home pay when comparing New York job offers.
- • Instant Results: Get immediate tax estimates without complex forms or software.
Factors That Affect New York Taxes
1. NYC Residency Status
NYC residents pay additional 3.078%-3.876% local tax on top of state tax, significantly increasing total tax burden.
2. High Combined Tax Rates
New York has some of the highest combined state and local income tax rates in the US, with top NYC rate reaching 14.776%.
3. SALT Deduction Limit
Federal $10,000 SALT deduction cap affects high-income NY residents who pay substantial state and local taxes.
4. Filing Status Impact
Married couples filing jointly benefit from wider tax brackets and higher standard deductions.
5. Additional Medicare Tax
High earners pay extra 0.9% Medicare tax on wages over $200,000 (single) or $250,000 (married).
6. Commuter Difference
People who work in NYC but live elsewhere don't pay NYC local tax, only NY state tax, saving 3-4% annually.
Frequently Asked Questions
What is the New York state income tax rate for 2025?
New York has nine tax brackets ranging from 4% to 10.9%. The rates are 4%, 4.5%, 5.25%, 5.5%, 6%, 6.85%, 9.65%, 10.3%, and 10.9% depending on income level and filing status.
Do NYC residents pay additional local taxes?
Yes, New York City residents pay additional local income tax ranging from 3.078% to 3.876% on top of state income tax. This applies only to residents of the five boroughs, not to commuters who work in NYC but live elsewhere.
How is New York income tax calculated?
New York uses a progressive tax system with nine brackets. Your income is taxed at different rates as it moves through the brackets. Federal taxes, FICA (Social Security and Medicare), state taxes, and NYC local taxes (if applicable) are all calculated separately.
What is the standard deduction for New York in 2025?
The New York standard deduction for 2025 is $8,000 for single filers or married filing separately, and $16,050 for married filing jointly or qualifying surviving spouse.