How New York state tax withholding works
New York taxes wage income, so your employer withholds New York income tax from each paycheck in addition to federal tax. You tell your employer how much to withhold on Form IT-2104 (Employee's Withholding Allowance Certificate), the state’s counterpart to the federal Form W-4.
For 2026, New York uses graduated tax rates. Each rate applies only to the income within its band — the single-filer schedule is:
| Rate | Taxable income over |
|---|---|
| 3.9% | $0 |
| 4.4% | $8,500 |
| 5.15% | $11,700 |
| 5.4% | $13,900 |
| 5.9% | $80,650 |
| 6.85% | $215,400 |
| 9.65% | $1,077,550 |
| 10.3% | $5,000,000 |
| 10.9% | $25,000,000 |
New York’s standard deduction is $8,000 (single) and $16,050 (married filing jointly).
Enter your pay above to see your estimated New York withholding per paycheck and per year, alongside your federal withholding and the exact W-4 entries.
New York vs. federal withholding
Your New York and federal withholding are figured separately. Federal withholding follows the IRS Publication 15-T tables and your Form W-4; New York withholding follows the state’s own rates and your Form IT-2104. Getting one right doesn’t guarantee the other — this calculator handles both so you don’t owe a surprise bill to either the IRS or New York.
Important New York notes
- New York City and Yonkers residents owe a separate local income tax (file IT-2104 accordingly) — this estimate covers the New York State portion only.
Frequently asked questions
Sources & disclaimer
Federal figures use the 2026 IRS Publication 15-T. New York withholding is based on the 2026 New York income-tax structure; confirm exact figures and complete Form IT-2104 at the tax.ny.gov website.
This tool provides estimates for educational purposes and is not tax advice. State withholding is modeled from the state’s income-tax rules and may differ from the exact wage-bracket tables your employer uses. Verify against your pay stub and consult a qualified tax professional before submitting your W-4 or Form IT-2104.