New York charges 4-10.9% + NYC local state income tax plus local taxes in some areas. Use the tax refund estimator pre-loaded with New York rates.
Open Tax Refund Estimator →In New York, you may receive refunds at both the federal and state level. Your state refund depends on how your employer's graduated withholding compared to your actual New York tax liability. Common reasons for a state refund include credits, deductions, or withholding calibrated for a higher income than you actually earned. Local tax refunds in New York are handled separately and add another variable. Use this estimator to project both your federal and New York state refund amounts.
New York uses a graduated income tax with brackets ranging from 4-10.9% + NYC local. Lower income is taxed at lower rates, with the 10.9% top rate applying only to income in the highest bracket. This progressive structure means your effective state tax rate is always lower than the top marginal rate. In addition, some New York localities impose their own income tax, which stacks on top of the state rate. This is especially notable in areas like New York City, which adds up to 3.876%. Always check your local rate when calculating total tax liability.
The table below shows what you actually keep at five salary levels in New York, accounting for federal tax, FICA, and New York's graduated (4-10.9% + NYC local) state tax plus estimated local taxes.
See how New York compares to other Northeast states. Each link takes you to the tax refund estimator landing page for that state.
For a comprehensive breakdown of New York’s tax structure, salary comparisons, cost-of-living analysis, and more, visit the full New York take-home pay page.