New York Income Tax Calculator 2025
New York State Tax Quick Facts (2025)
- Tax System: Progressive (9 brackets)
- Tax Rates: 4.0% to 10.9%
- NYC Extra Tax: Yes, 3.078% to 3.876% for NYC residents
- Standard Deduction: $8,000 (single), $16,050 (married)
- Tax Year: 2025 (verified November 2025)
2025 New York State Income Tax Brackets
New York uses a progressive tax system with 9 brackets. Your effective rate will be lower than the bracket you're in because you only pay the higher rate on income above each threshold.
| Income Range | Tax Rate | Who This Affects |
|---|---|---|
| $0 - $8,500 | 4.0% | Everyone (first $8,500) |
| $8,501 - $11,700 | 4.5% | Part-time workers |
| $11,701 - $13,900 | 5.25% | Entry-level jobs |
| $13,901 - $80,650 | 5.5% | Most middle-class earners |
| $80,651 - $215,400 | 6.0% | Upper-middle class |
| $215,401 - $1,077,550 | 6.85% | High earners |
| $1,077,551 - $5,000,000 | 9.65% | Very high earners |
| $5,000,001 - $25,000,000 | 10.3% | Top earners |
| Over $25,000,000 | 10.9% | Highest bracket |
Real Example: $75,000 Salary in New York
Let's say you make $75,000 working in New York State:
- First $8,500 taxed at 4.0% = $340
- Next $3,200 taxed at 4.5% = $144
- Next $2,200 taxed at 5.25% = $116
- Remaining $61,100 taxed at 5.5% = $3,361
Total NY State Tax: ~$3,961
Effective Rate: 5.28% (even though your bracket is 5.5%)
⚠️ If you live in NYC: Add another ~$2,300 in city income tax = ~$6,261 total
New York Tax Calculator (Coming Soon)
Our interactive calculator will be available here shortly. In the meantime, use the brackets above or try these affordable options:
Best Low-Cost Tax Software (2025)
-
Cash App Taxes - FREE for federal AND NY state
Completely free, no catches. Works well for W-2 income, even handles NYC city tax. Best deal if you have straightforward taxes.
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FreeTaxUSA - $0 federal, $14.99 NY state
Clean interface, accurate calculations. Great if you want a bit more hand-holding than Cash App.
-
TaxSlayer - $24.95 federal, $39.95 for both
Good if you have rental property, side business, or investments. More robust than the free options.
Skip: TurboTax charges $89+ for the same thing. You're paying for ads, not better service.
Finding Affordable Tax Help in New York
- VITA (Volunteer Income Tax Assistance): FREE for income under $64,000. Available at libraries and community centers across NY State. In NYC, look for the NYC Free Tax Prep program.
- Local Enrolled Agent (EA): Cost: $150-$400 for a basic return. EAs specialize in tax law and cost less than CPAs. Search "enrolled agent near me" + your city.
- Community Tax Centers: Non-profits like Neighborhood Trust Financial Partners offer sliding scale fees ($50-$200).
Avoid: Big chain tax prep offices charging $300+ for simple W-2 returns. You're paying for the storefront, not expertise.
NYC Extra Tax (The Hidden Hit)
If you live in New York City (any of the 5 boroughs), you pay an additional city income tax on top of state taxes:
| NYC Income Range | NYC Tax Rate |
|---|---|
| $0 - $12,000 | 3.078% |
| $12,001 - $25,000 | 3.762% |
| $25,001 - $50,000 | 3.819% |
| Over $50,000 | 3.876% |
Combined Tax Example ($75k in NYC):
- NY State Tax: ~$3,961
- NYC City Tax: ~$2,300
- Total: ~$6,261 (8.35% effective rate)
This is why many people choose to live in Westchester, Long Island, or New Jersey and commute - you avoid the NYC tax.
How Does New York Compare?
$75,000 Income - New York vs Other States
| State/City | State Tax | City Tax | Total Tax |
|---|---|---|---|
| New York State (not NYC) | $3,961 | $0 | $3,961 |
| New York City | $3,961 | $2,300 | $6,261 |
| California | $4,178 | $0 | $4,178 |
| Florida | $0 | $0 | $0 |
| Texas | $0 | $0 | $0 |
Key Insight: NYC residents pay significantly more than anyone else. Moving to upstate NY or suburbs cuts your tax by ~$2,300/year.
Common Questions
Do I have to pay NYC tax if I work in the city but live in NJ?
No. NYC income tax is based on residency, not where you work. If you live in New Jersey and commute to NYC, you pay NJ state tax instead (plus you might get a credit for taxes paid to NY). Many people choose NJ to avoid the NYC tax.
Does New York tax retirement income?
New York does not tax Social Security benefits. However, pensions, 401(k) withdrawals, and IRA distributions are taxed at regular NY income tax rates. There is a $20,000 pension exclusion for those over 59½.
Are property taxes in NY high?
Yes. NY has some of the highest property taxes in the U.S., especially in Long Island, Westchester, and parts of NYC. Even though you might save on income tax by living outside Manhattan, property taxes can be $10,000-$20,000/year on modest homes.
What about sales tax?
NY state sales tax is 4%, but with local taxes, you'll pay 7-8.875% total (8.875% in NYC). Clothing and footwear under $110 are exempt.
Should You Leave New York for Tax Reasons?
When It Makes Sense to Move
Consider leaving NY if:
- You're making $80k+ and can work fully remote from anywhere
- You live in NYC and could save $6,000-$10,000/year by moving to a no-tax state
- You're retiring and want to stretch your savings (but consider if you value NY services, transit, culture)
- You have a side business or investment income (capital gains are also taxed heavily)
When You Should Stay
Don't move just for taxes if:
- Your income is under $50k (tax savings would be minimal, maybe $2,000/year)
- You'd lose access to high-paying NYC job market (finance, tech, media jobs pay 20-40% more in NY)
- You rely on NY's public transit (owning a car elsewhere costs $4,000-$8,000/year)
- Your family, friends, or career network is all in NY
Real Math: If you make $75k in NYC and move to Austin, Texas:
- Save $6,261 in NY/NYC income tax
- Pay ~$3,600 more in rent (Austin rents have caught up to many NYC neighborhoods)
- Pay $4,000+/year for car (insurance, gas, maintenance, parking)
- Net: You might actually spend MORE, not less
Run the full numbers before moving. Tax savings sound great, but cost of living and quality of life matter too.
Verified Data Source
These 2025 tax brackets are verified from the New York State Department of Taxation and Finance. The brackets are unchanged from 2024 (no inflation adjustment applied).
Compare NY with other states: NY vs FL
State rankings: Highest Tax States 2025 | Lowest Tax States 2025 | Best States for Retirees | States with No Income Tax