New York Tax Calculators
Nine free calculators for the questions New Yorkers actually ask — take-home pay, a refund or a balance due, a freelance quarter, a property bill, a purchase, an estate, and a retirement contribution.
New York is not one income tax. A paycheck in Manhattan can carry four separate layers — federal, New York State, New York City, and for Yonkers residents a city surcharge on top of the state tax — while the same salary in Albany carries two. Property tax and sales tax are levied by yet another set of authorities, at rates that change by county.
Each calculator below answers one of those questions with the 2026 figures and shows the arithmetic instead of only the total, so the result can be checked against a pay stub or a bill. Nothing is stored: the numbers are computed in the browser.
Start with the question you have
| If your question is… | Use | Who it fits |
|---|---|---|
| What lands in my bank account each payday? | Paycheck Calculator | Employees paid by someone else |
| What do I owe as a freelancer or contractor? | Self-Employment Tax Calculator | 1099 income, sole proprietors, single-member LLCs |
| Will I get money back, or owe? | Tax Refund Estimator | Anyone who has paid through withholding |
| How do two scenarios differ? | Tax Comparison Tool | Job offers, marriage, a move to or from New York City |
| Is a higher salary in another state worth it? | Salary Comparison Calculator | Remote workers and relocation decisions |
| What will the property tax be on this house? | Property Tax Calculator | Buyers, owners and anyone comparing towns |
| What is the sales tax on this purchase? | Sales Tax Calculator | Shoppers, small sellers, expense planning |
| Does the New York estate tax apply, and how much? | NY Estate Tax Calculator | Estates, executors, family planning |
| How much should I put into a 401(k) this year? | Retirement Contribution Optimizer | Employees with an employer plan |
What every calculator on this site starts from
Income tax starts with taxable income, and taxable income starts with a standard deduction. The 2026 amounts below are the ones the calculators apply; both sets were re-checked against the publishing agency this year.
| Filing status | Federal 2026 | New York State 2026 |
|---|---|---|
| Single | $16,100 | $8,000 |
| Married filing jointly | $32,200 | $16,050 |
| Married filing separately | $16,100 | $8,000 |
| Head of household | $24,150 | $11,200 |
The federal amounts are the 2026 standard deduction published by the IRS in its tax year 2026 inflation adjustments. The New York amounts are the ones on the Department of Taxation and Finance's standard deduction page; New York has not published a different state amount for 2026.
Which layers apply to you
Before picking a calculator, work out which taxes your situation actually touches. Residency decides more of the answer than income does.
- Federal — applies to everyone. Withholding tables and the standard deduction come from the IRS.
- New York State — applies to residents on all income, and to nonresidents on New York-source income only. The Department's rate tables are the published schedules behind these calculators.
- New York City resident tax — applies to city residents, on top of the state tax, and is administered by the State on the same return.
- Yonkers — residents pay a surcharge on their state tax; nonresidents who work in the city have a separate withholding line. The paycheck calculator handles both.
- Property and sales tax — set locally, not by the state income tax schedules, which is why those two calculators ask for a county or a town rather than a filing status.
Why the results can be checked
A tax calculator is only useful if its arithmetic can be audited. Every rate, bracket boundary and threshold used here is coded from a named official publication, and the data is covered by automated tests that pin the published figures — so a change in the law shows up as a failing test before it shows up in a result.
The results are estimates, not a filed return. They do not model every credit, every itemised deduction, or a mid-year move between localities. Where a decision depends on those details, the bracket guide, the deductions guide and the state-by-state pages go deeper, and a CPA goes further still.
Looking for something that is not here? The blog covers filing mechanics — deadlines, estimated payments, moving between states, and the New York credits that are easiest to miss.