New York Income Tax Calculator
Estimate your annual and per-paycheck net income after federal, New York State, New York City (if applicable), and FICA taxes, along with your pre-tax deductions.
Understanding Your New York Income
Navigating the complexities of income taxes can be challenging, especially in a state like New York, which has its own state income tax and, for residents, a local New York City income tax. This calculator helps you estimate your take-home pay by factoring in federal, state, and local taxes, as well as mandatory contributions like FICA and any pre-tax deductions you might have.
Federal Income Tax
The federal income tax is a progressive tax, meaning higher earners pay a larger percentage of their income in taxes. Your federal tax liability is determined by your annual gross income, filing status (Single, Married Filing Jointly, Head of Household, etc.), and deductions (like the standard deduction or itemized deductions). Pre-tax deductions, such as contributions to a 401(k) or health savings account, reduce your taxable income at the federal level.
New York State Income Tax
New York State also imposes a progressive income tax on its residents. Similar to federal taxes, your NY State tax burden depends on your income and filing status. The state has its own set of tax brackets and standard deductions. This calculator uses the latest available tax year data (typically 2023) to provide an accurate estimate.
New York City Local Income Tax
If you reside within New York City, you are subject to an additional local income tax. This tax is also progressive and adds another layer to your overall tax obligations. Our calculator includes this crucial component for NYC residents to give you a more precise net income estimate.
FICA Taxes (Social Security and Medicare)
FICA stands for the Federal Insurance Contributions Act and includes Social Security and Medicare taxes. These are mandatory payroll taxes that fund social welfare programs. Social Security tax is a fixed percentage of your income up to an annual cap, while Medicare tax is a fixed percentage with no income limit. These are deducted from your gross pay before income taxes are calculated.
Pre-Tax Deductions
Pre-tax deductions are amounts taken from your gross pay before taxes are calculated. Common examples include contributions to retirement accounts (like a 401(k) or 403(b)), health insurance premiums, and Flexible Spending Account (FSA) contributions. These deductions reduce your taxable income, which can lower your overall tax liability.
How the Calculator Works
Simply enter your annual gross income, select your filing status, input any annual pre-tax deductions, indicate if you are an NYC resident, and choose your pay frequency. The calculator will then estimate:
- Your total annual federal income tax.
- Your total annual New York State income tax.
- Your total annual New York City local income tax (if applicable).
- Your total annual FICA contributions.
- Your total annual deductions and taxes.
- Your estimated annual net income.
- Your estimated net income per paycheck.
Please note that this calculator provides an estimate and should not be considered tax advice. Individual tax situations can vary based on credits, itemized deductions, and other factors not included in this simplified calculation. For precise tax planning, consult with a qualified tax professional.
Example Calculation:
Let's consider an individual with the following details:
- Annual Gross Income: $75,000
- Filing Status: Single
- Total Annual Pre-Tax Deductions: $5,000
- NYC Resident: Yes
- Pay Frequency: Bi-Weekly (26 pay periods)
Based on these inputs, the calculator would perform the following steps (using 2023 tax data for illustration):
- Calculate FICA Taxes: Social Security (6.2% of $75,000) and Medicare (1.45% of $75,000).
- Calculate Federal Taxable Income: Gross Income – Pre-Tax Deductions – Federal Standard Deduction (e.g., $13,850 for Single).
- Calculate Federal Income Tax: Apply the progressive federal tax brackets to the federal taxable income.
- Calculate NY State Taxable Income: Gross Income – Pre-Tax Deductions – NY State Standard Deduction (e.g., $8,000 for Single).
- Calculate NY State Income Tax: Apply the progressive NY State tax brackets to the state taxable income.
- Calculate NYC Local Taxable Income: Gross Income – Pre-Tax Deductions (NYC tax often applies to AGI or specific income levels, simplified here).
- Calculate NYC Local Income Tax: Apply the progressive NYC tax brackets to the NYC taxable income.
- Sum all taxes and deductions: Federal Tax + NY State Tax + NYC Tax + FICA + Pre-Tax Deductions.
- Determine Annual Net Income: Gross Income – Total Taxes and Deductions.
- Determine Net Income Per Paycheck: Annual Net Income / 26 (for bi-weekly).
This process provides a comprehensive breakdown of how your gross income is reduced to your net take-home pay in New York.
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// Federal Tax Brackets (2023)
var federalBrackets = {
"Single": [
{ limit: 11000, rate: 0.10 },
{ limit: 44725, rate: 0.12 },
{ limit: 95375, rate: 0.22 },
{ limit: 182100, rate: 0.24 },
{ limit: 231250, rate: 0.32 },
{ limit: 578125, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
],
"Married Filing Jointly": [
{ limit: 22000, rate: 0.10 },
{ limit: 89450, rate: 0.12 },
{ limit: 190750, rate: 0.22 },
{ limit: 364200, rate: 0.24 },
{ limit: 462500, rate: 0.32 },
{ limit: 693750, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
],
"Married Filing Separately": [
{ limit: 11000, rate: 0.10 },
{ limit: 44725, rate: 0.12 },
{ limit: 95375, rate: 0.22 },
{ limit: 182100, rate: 0.24 },
{ limit: 231250, rate: 0.32 },
{ limit: 346875, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
],
"Head of Household": [
{ limit: 15700, rate: 0.10 },
{ limit: 59850, rate: 0.12 },
{ limit: 95350, rate: 0.22 },
{ limit: 182100, rate: 0.24 },
{ limit: 231250, rate: 0.32 },
{ limit: 578125, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
],
"Qualifying Widow(er)": [ // Same as MFJ
{ limit: 22000, rate: 0.10 },
{ limit: 89450, rate: 0.12 },
{ limit: 190750, rate: 0.22 },
{ limit: 364200, rate: 0.24 },
{ limit: 462500, rate: 0.32 },
{ limit: 693750, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
]
};
var federalStandardDeductions = {
"Single": 13850,
"Married Filing Jointly": 27700,
"Married Filing Separately": 13850,
"Head of Household": 20800,
"Qualifying Widow(er)": 27700
};
// NY State Tax Brackets (2023) – Simplified for common filing statuses
var nyStateBrackets = {
"Single": [
{ limit: 8500, rate: 0.04 },
{ limit: 11900, rate: 0.045 },
{ limit: 13900, rate: 0.0525 },
{ limit: 21300, rate: 0.059 },
{ limit: 80650, rate: 0.064 },
{ limit: 215400, rate: 0.0685 },
{ limit: 1077550, rate: 0.0965 },
{ limit: 5387900, rate: 0.103 },
{ limit: Infinity, rate: 0.109 }
],
"Married Filing Jointly": [
{ limit: 17000, rate: 0.04 },
{ limit: 23900, rate: 0.045 },
{ limit: 27900, rate: 0.0525 },
{ limit: 42700, rate: 0.059 },
{ limit: 161550, rate: 0.064 },
{ limit: 323200, rate: 0.0685 },
{ limit: 2155350, rate: 0.0965 },
{ limit: 10775800, rate: 0.103 },
{ limit: Infinity, rate: 0.109 }
],
"Married Filing Separately": [ // Often similar to Single for NY
{ limit: 8500, rate: 0.04 },
{ limit: 11900, rate: 0.045 },
{ limit: 13900, rate: 0.0525 },
{ limit: 21300, rate: 0.059 },
{ limit: 80650, rate: 0.064 },
{ limit: 215400, rate: 0.0685 },
{ limit: 1077550, rate: 0.0965 },
{ limit: 5387900, rate: 0.103 },
{ limit: Infinity, rate: 0.109 }
],
"Head of Household": [
{ limit: 12800, rate: 0.04 },
{ limit: 17900, rate: 0.045 },
{ limit: 20900, rate: 0.0525 },
{ limit: 32000, rate: 0.059 },
{ limit: 121000, rate: 0.064 },
{ limit: 323100, rate: 0.0685 },
{ limit: 1616300, rate: 0.0965 },
{ limit: 8081700, rate: 0.103 },
{ limit: Infinity, rate: 0.109 }
],
"Qualifying Widow(er)": [ // Same as MFJ for simplicity
{ limit: 17000, rate: 0.04 },
{ limit: 23900, rate: 0.045 },
{ limit: 27900, rate: 0.0525 },
{ limit: 42700, rate: 0.059 },
{ limit: 161550, rate: 0.064 },
{ limit: 323200, rate: 0.0685 },
{ limit: 2155350, rate: 0.0965 },
{ limit: 10775800, rate: 0.103 },
{ limit: Infinity, rate: 0.109 }
]
};
var nyStateStandardDeductions = {
"Single": 8000,
"Married Filing Jointly": 16050,
"Married Filing Separately": 8000,
"Head of Household": 11200,
"Qualifying Widow(er)": 16050 // Same as MFJ
};
// NYC Local Tax Brackets (2023 – Resident) – Simplified progressive
var nycCBrackets = [
{ limit: 12000, rate: 0.03876 },
{ limit: 25000, rate: 0.04500 },
{ limit: 50000, rate: 0.05229 },
{ limit: 90000, rate: 0.05945 },
{ limit: Infinity, rate: 0.06411 }
];
// Function to calculate progressive tax
function calculateProgressiveTax(taxableIncome, brackets) {
var tax = 0;
var previousLimit = 0;
for (var i = 0; i previousLimit) {
var incomeInBracket = Math.min(taxableIncome, bracket.limit) – previousLimit;
tax += incomeInBracket * bracket.rate;
}
previousLimit = bracket.limit;
if (taxableIncome <= bracket.limit) {
break;
}
}
return tax;
}
function calculateIncome() {
var annualGrossIncome = parseFloat(document.getElementById('annualGrossIncome').value);
var filingStatus = document.getElementById('filingStatus').value;
var preTaxDeductions = parseFloat(document.getElementById('preTaxDeductions').value);
var nycCResident = document.getElementById('nycCResident').checked;
var payFrequency = parseInt(document.getElementById('payFrequency').value);
// Input validation
if (isNaN(annualGrossIncome) || annualGrossIncome < 0) {
document.getElementById('result').innerHTML = 'Please enter a valid annual gross income.';
return;
}
if (isNaN(preTaxDeductions) || preTaxDeductions annualGrossIncome) {
document.getElementById('result').innerHTML = 'Pre-tax deductions cannot exceed annual gross income.';
return;
}
var totalFICA = 0;
var socialSecurityTax = 0;
var medicareTax = 0;
// FICA Taxes (2023 rates)
var socialSecurityCap = 160200;
var socialSecurityRate = 0.062;
var medicareRate = 0.0145;
socialSecurityTax = Math.min(annualGrossIncome, socialSecurityCap) * socialSecurityRate;
medicareTax = annualGrossIncome * medicareRate;
totalFICA = socialSecurityTax + medicareTax;
// Federal Income Tax
var federalStandardDeduction = federalStandardDeductions[filingStatus] || 0;
var federalTaxableIncome = annualGrossIncome – preTaxDeductions – federalStandardDeduction;
federalTaxableIncome = Math.max(0, federalTaxableIncome); // Cannot be negative
var federalTax = calculateProgressiveTax(federalTaxableIncome, federalBrackets[filingStatus]);
// NY State Income Tax
var nyStateStandardDeduction = nyStateStandardDeductions[filingStatus] || 0;
var nyStateTaxableIncome = annualGrossIncome – preTaxDeductions – nyStateStandardDeduction;
nyStateTaxableIncome = Math.max(0, nyStateTaxableIncome); // Cannot be negative
var nyStateTax = calculateProgressiveTax(nyStateTaxableIncome, nyStateBrackets[filingStatus]);
// NYC Local Income Tax
var nycCLocalTax = 0;
if (nycCResident) {
// For NYC tax, often AGI is used, but for simplicity, we'll use Gross – Pre-tax deductions
var nycCLocalTaxableIncome = annualGrossIncome – preTaxDeductions;
nycCLocalTaxableIncome = Math.max(0, nycCLocalTaxableIncome);
nycCLocalTax = calculateProgressiveTax(nycCLocalTaxableIncome, nycCBrackets);
}
var totalAnnualTaxes = federalTax + nyStateTax + nycCLocalTax + totalFICA;
var totalAnnualDeductionsAndTaxes = preTaxDeductions + totalAnnualTaxes;
var annualNetIncome = annualGrossIncome – totalAnnualDeductionsAndTaxes;
var netIncomePerPaycheck = annualNetIncome / payFrequency;
var resultsHtml = '
Estimated Annual Income Breakdown
';
resultsHtml += '
Annual Gross Income: $' + annualGrossIncome.toFixed(2) + ";
resultsHtml += '
Total Annual Pre-Tax Deductions: $' + preTaxDeductions.toFixed(2) + ";
resultsHtml += '
Annual Federal Income Tax: $' + federalTax.toFixed(2) + ";
resultsHtml += '
Annual NY State Income Tax: $' + nyStateTax.toFixed(2) + ";
if (nycCResident) {
resultsHtml += '
Annual NYC Local Income Tax: $' + nycCLocalTax.toFixed(2) + ";
}
resultsHtml += '
Annual FICA Taxes (Social Security & Medicare): $' + totalFICA.toFixed(2) + ";
resultsHtml += '
Total Annual Deductions & Taxes: $' + totalAnnualDeductionsAndTaxes.toFixed(2) + ";
resultsHtml += '
Estimated Annual Net Income: $' + annualNetIncome.toFixed(2) + ";
resultsHtml += '
Estimated Net Income Per Paycheck: $' + netIncomePerPaycheck.toFixed(2) + ";
document.getElementById('result').innerHTML = resultsHtml;
}