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🦅 New York Income Tax Calculator
New York has a top state rate of 10.9%, and New York City residents pay an additional 3.88% city tax on top.
Uses 2025 tax-year brackets
New York State Tax Facts (2025 tax year)
State top rate: 10.9% on income over $25M
NYC adds up to 3.876% city income tax
Combined NYC+state rate can reach 14.8% for top earners
10.9%
Top state rate
On top of federal income tax, New York residents pay up to 10.9% in state income tax. Use the calculator above to see your combined effective rate.
Frequently Asked Questions
What is the income tax rate in New York?+
How do I calculate my take-home pay in New York?+
Filing Taxes in New York: What the Rate Table Doesn't Tell You
How filing works here
New York taxes income across eight brackets from 4% to 10.9%, the top rate applying only at very high incomes. You file Form IT-201 with the Department of Taxation and Finance. The state's standard deduction is much lower than the federal one, so many filers itemize for the state while taking the federal standard deduction. New York also has its own EITC (30% of the federal credit) and a separate New York City EITC on top of that.
The local quirk to know
Where you live inside New York matters as much as the state brackets. New York City residents pay an additional city income tax of up to 3.876% on top of state tax — the combined top marginal rate approaches 14.8%, the highest local-plus-state combination in the country. Yonkers has its own smaller city income-tax surcharge. And if you live in the MTA commuter district, there is a further payroll mobility tax. Two people with identical salaries can owe meaningfully different total tax depending on which side of a borough line they sleep on.
Planning note
New York is aggressive about residency audits. If you move out of the state but keep a home, business ties, or 184+ days of presence in New York, the state may argue you never really left — and its auditors are famous for demanding cell-phone records and calendar evidence. Anyone planning a move to a no-tax state should document the break cleanly: new driver's license, voter registration, and a day-count log are the minimum.
Written by Alex Chen. Tax rules change — confirm current-year figures with the IRS before filing.
Go Beyond Tax — Plan Your Full Financial Picture
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