New York Income Tax Calculator
Calculate your federal & New York income taxes
Updated for 2023 tax year on Jan 01, 2023
What was updated?
2023 federal FICA, income tax rates & standard deduction
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Income tax calculators by state
New York income tax calculation
The Empire State is just as iconic as it is important to the economy of the United States. Ranked behind only California and Texas in terms of GDP, New York state’s economy is driven by financial services, health care, and professional services. The median household income is $72,920 (2021).
Brief summary of New York state income tax:
- state income tax rate ranges from 4% to 10.9%
- has a “tax benefit recapture” supplemental tax
- a resident of the Big Apple need to pay local income tax (3.08% to 3.88%) 😔
- subject to Disability Insurance (SDI) and Paid Family and Medical Leave (PFML)
- has state-level standard deduction and exemption
From Wikipedia
Calculating your New York state income tax is similar to the steps we listed on our Federal income tax calculator:
- Determine your filing status
- Work out your adjusted gross income [Gross income − Retirement contributions = Adjusted gross income]
- Calculate your state taxable income [Adjusted gross income − (Standard/Itemized deductions + Exemptions) = State taxable income]
- Figure out your state/local tax liability [State taxable income × State tax rate = State tax liability]
- Deduce your state payroll tax liability [Gross income × State payroll tax rate = State payroll tax liability]
- Add up all state and local taxes [State tax liability + State payroll tax liability = Total state income taxes]
State payroll tax
New York is one of the few states which has payroll tax.
| Tax year | Tax name | Percent of taxable wage | Up to taxable wage | Comments |
|---|---|---|---|---|
| 2022 | State Disability Insurance (SDI) | 0.5% | up to: $0.14 daily $0.60 weekly $1.20 biweekly $1.30 semi-monthly $2.60 monthly ($31.20 annually) |
|
| Paid Family and Medical Leave (PFML) | 0.511% | $1,594.57 weekly $82,917.64 per annual |
maximum of $423.71 per year | |
| 2021 | State Disability Insurance (SDI) | 0.5% | up to: $0.14 daily $0.60 weekly $1.20 biweekly $1.30 semi-monthly $2.60 monthly ($31.20 annually) |
|
| Paid Family and Medical Leave (PFML) | 0.511% | $1,450.17 weekly $75,408.84 per annual |
maximum of $385.34 per year | |
| 2020 | State Disability Insurance (SDI) | 0.5% | up to: $0.14 daily $0.60 weekly $1.20 biweekly $1.30 semi-monthly $2.60 monthly ($31.20 annually) |
|
| Paid Family and Medical Leave (PFML) | 0.27% | $1,401.17 weekly $72,860.84 per annual |
maximum of $196.72 per year |
State income tax brackets
New York’s income tax is relatively progressive which helps in maintaining the state’s competitive edge.
Refer to Tax Foundation for more details.
| Tax year | Filing status | Taxable income | Rate |
|---|---|---|---|
| 2022 | Single | $0 – $8,500 | 4.00% |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $80,650 | 5.85% | ||
| $80,650 – $215,400 | 6.25% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550 – $5,000,000 | 9.65% | ||
| $5,000,000 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Married, Filing Jointly or Widow(er) | $0 – $17,150 | 4.00% | |
| $17,150 – $23,600 | 4.50% | ||
| $23,600 – $27,900 | 5.25% | ||
| $27,900 – $161,550 | 5.85% | ||
| $161,550 – $323,200 | 6.25% | ||
| $323,200 – $2,155,350 | 6.85% | ||
| $2,155,350 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Married, Filing Separately | $0 – $8,500 | 4.00% | |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $80,650 | 5.85% | ||
| $80,650 – $215,400 | 6.25% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Head of Household | $0 – $12,800 | 4.00% | |
| $12,800 – $17,650 | 4.50% | ||
| $17,650 – $20,900 | 5.25% | ||
| $20,900 – $107,650 | 5.85% | ||
| $107,650 – $269,300 | 6.25% | ||
| $269,300 – $1,616,450 | 6.85% | ||
| $1,616,450 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| 2021 | Single | $0 – $8,500 | 4.00% |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $21,400 | 5.90% | ||
| $21,400 – $80,650 | 6.21% | ||
| $80,650 – $215,400 | 6.49% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550 – $5,000,000 | 9.65% | ||
| $5,000,000 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Married, Filing Jointly or Widow(er) | $0 – $17,150 | 4.00% | |
| $17,150 – $23,600 | 4.50% | ||
| $23,600 – $27,900 | 5.25% | ||
| $27,900 – $43,000 | 5.90% | ||
| $43,000 – $161,550 | 6.21% | ||
| $161,550 – $323,200 | 6.49% | ||
| $323,200 – $2,155,350 | 6.85% | ||
| $2,155,350 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Married, Filing Separately | $0 – $8,500 | 4.00% | |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $21,400 | 5.90% | ||
| $21,400 – $80,650 | 6.21% | ||
| $80,650 – $215,400 | 6.49% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Head of Household | $0 – $12,800 | 4.00% | |
| $12,800 – $17,650 | 4.50% | ||
| $17,650 – $20,900 | 5.25% | ||
| $20,900 – $32,200 | 5.90% | ||
| $32,200 – $107,650 | 6.21% | ||
| $107,650 – $269,300 | 6.49% | ||
| $269,300 – $1,616,450 | 6.85% | ||
| $1,616,450 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| 2020 | Single | $0 – $8,500 | 4.00% |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $21,400 | 5.90% | ||
| $21,400 – $80,650 | 6.21% | ||
| $80,650 – $215,400 | 6.49% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550+ | 8.82% | ||
| Married, Filing Jointly or Widow(er) | $0 – $17,150 | 4.00% | |
| $17,150 – $23,600 | 4.50% | ||
| $23,600 – $27,900 | 5.25% | ||
| $27,900 – $43,000 | 5.90% | ||
| $43,000 – $161,550 | 6.21% | ||
| $161,550 – $323,200 | 6.49% | ||
| $323,200 – $2,155,350 | 6.85% | ||
| $2,155,350+ | 8.82% | ||
| Married, Filing Separately | $0 – $8,500 | 4.00% | |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $21,400 | 5.90% | ||
| $21,400 – $80,650 | 6.21% | ||
| $80,650 – $215,400 | 6.49% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550+ | 8.82% | ||
| Head of Household | $0 – $12,800 | 4.00% | |
| $12,800 – $17,650 | 4.50% | ||
| $17,650 – $20,900 | 5.25% | ||
| $20,900 – $32,200 | 5.90% | ||
| $32,200 – $107,650 | 6.21% | ||
| $107,650 – $269,300 | 6.49% | ||
| $269,300 – $1,616,450 | 6.85% | ||
| $1,616,450+ | 8.82% |
Tax benefit recapture
New York state has “tax benefit recapture” for high-income earners in their respective tax brackets. The calculations are based on both the state adjusted gross income (AGI) and state taxable income.
| Tax year | Filing status | Taxable income | Recapture Amount | Incremental Benefit | NY state AGI minus | Phase-in numerator | Comment | |
|---|---|---|---|---|---|---|---|---|
| More than | Equal or less than | |||||||
| 2022 | Single Married, Filing Separately |
$80,650 | 6.33% of state tax liability | |||||
| $80,650 | $215,400 | $0 | $536 | $107,650 | $50,000 | |||
| $215,400 | $1,077,550 | $536 | $1,293 | $215,400 | $50,000 | |||
| $1,077,550 | $5,000,000 | $1,829 | $30,171 | $1,077,550 | $50,000 | |||
| $5,000,000 | $25,000,000 | $32,000 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
| Married, Filing Jointly or Widow(er) | $27,900 | 5.97% of state tax liability | ||||||
| $27,900 | $161,550 | $0 | $430 | $107,650 | $50,000 | |||
| $161,550 | $323,200 | $430 | $646 | $161,550 | $50,000 | |||
| $323,200 | $2,155,350 | $1,076 | $1,940 | $323,200 | $50,000 | |||
| $2,155,350 | $5,000,000 | $3,016 | $60,349 | $2,155,350 | $50,000 | |||
| $5,000,000 | $25,000,000 | $63,365 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
| Head of Household | $107,650 | 6.33% of state tax liability | ||||||
| $107,650 | $269,300 | $0 | $752 | $107,650 | $50,000 | |||
| $269,300 | $1,616,450 | $752 | $1,616 | $269,300 | $50,000 | |||
| $1,616,450 | $5,000,000 | $2,368 | $45,261 | $1,616,450 | $50,000 | |||
| $5,000,000 | $25,000,000 | $47,629 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
| 2021 | Single Married, Filing Separately |
$80,650 | 6.33% of state tax liability | |||||
| $80,650 | $215,400 | $0 | $526 | $107,650 | $50,000 | |||
| $215,400 | $1,077,550 | $526 | $1,120 | $215,400 | $50,000 | |||
| $1,077,550 | $5,000,000 | $1,646 | $30,171 | $1,077,550 | $50,000 | |||
| $5,000,000 | $25,000,000 | $31,817 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
| Married, Filing Jointly or Widow(er) | $43,000 | 5.97% of state tax liability | ||||||
| $43,000 | $161,550 | $0 | $474 | $107,650 | $50,000 | |||
| $161,550 | $323,200 | $474 | $582 | $161,550 | $50,000 | |||
| $323,200 | $2,155,350 | $1,056 | $1,680 | $323,200 | $50,000 | |||
| $2,155,350 | $5,000,000 | $2,736 | $60,350 | $2,155,350 | $50,000 | |||
| $5,000,000 | $25,000,000 | $63,086 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
| Head of Household | $107,650 | 6.33% of state tax liability | ||||||
| $107,650 | $269,300 | $0 | $742 | $107,650 | $50,000 | |||
| $269,300 | $1,616,450 | $742 | $1,401 | $269,300 | $50,000 | |||
| $1,616,450 | $5,000,000 | $2,143 | $45,260 | $1,616,450 | $50,000 | |||
| $5,000,000 | $25,000,000 | $47,403 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
Local income tax
If you live in New York City, then you need to pay an additional local income tax. Or you can live outside NYC to avoid tax as more do.
Refer to The Balance for more information.
| City | Tax year | Filing status | Taxable income | Rate |
|---|---|---|---|---|
| New York City | 2022 2021 2020 |
Single | $0 – $12,000 | 3.078% |
| $12,000 – $25,000 | 3.762% | |||
| $25,000 – $50,000 | 3.819% | |||
| $50,000+ | 3.876% | |||
| Married, Filing Jointly or Widow(er) | $0 – $21,600 | 3.078% | ||
| $21,600 – $45,000 | 3.762% | |||
| $45,000 – $90,000 | 3.819% | |||
| $90,000+ | 3.876% | |||
| Married, Filing Separately | $0 – $12,000 | 3.078% | ||
| $12,000 – $25,000 | 3.762% | |||
| $25,000 – $50,000 | 3.819% | |||
| $50,000+ | 3.876% | |||
| Head of Household | $0 – $14,400 | 3.078% | ||
| $14,400 – $30,000 | 3.762% | |||
| $30,000 – $60,000 | 3.819% | |||
| $60,000+ | 3.876% |
State standard deduction
You can claim the standard deduction in New York state. For more information, refer to Tax Foundation.
| Tax year | Filing status | Standard deduction amount |
|---|---|---|
| 2022 2021 2020 |
Single Married, Filing Separately Head of Household |
$8,000 |
| Married, Filing Jointly or Widow(er) | $16,050 |
State exemptions
You can claim $1000 for each dependent. Refer to Tax Foundation for more details.
| Tax year | Filing status | Exemption amount |
|---|---|---|
| 2022 2021 2020 |
Dependent(s) | $1,000 |
FAQs
How do I calculate my New York income tax?
Calculate your New York state income tax with the following six steps.
- Determine your filing status
- Gross income − Retirement contributions = Adjusted gross income
- Adjusted gross income − (Standard/Itemized deductions + Exemptions) = State taxable income
- State taxable income × State tax rate = State tax liability
- Gross income × State payroll tax rate = State payroll tax liability
- State tax liability + State payroll tax liability = Total state income tax
How much is $65000 a year after taxes in New York?
The take home pay will be $47,195.25 for people who lives in New York City.
For a resident not living in New York City, the take home income is $49,280.25.