Single
Married Filing Jointly
Married Filing Separately
Head of Household
Yes
No
Your estimated NY State and City Income Tax will appear here.
Understanding New York State and City Income Tax
New York State and New York City have progressive income tax systems, meaning higher earners pay a larger percentage of their income in taxes. This calculator provides an *estimation* of your tax liability based on the most recently available tax bracket information. Please note that this calculator is for informational purposes only and does not constitute tax advice. Consult with a qualified tax professional for personalized guidance.
How New York State Income Tax Works
New York State income tax rates vary based on your filing status and your taxable income. The state uses several tax brackets, with increasing marginal tax rates for higher income levels. The calculation involves determining where your taxable income falls within these brackets and applying the corresponding tax rate to each portion of your income.
Key Factors:
Taxable Income: This is your Adjusted Gross Income (AGI) minus deductions (either standard or itemized).
Filing Status: Whether you file as Single, Married Filing Jointly (MFJ), Married Filing Separately (MFS), or Head of Household (HoH) significantly impacts the tax brackets and rates applied.
Tax Brackets: New York State has specific income ranges for each tax bracket and a corresponding tax rate for each bracket.
New York City Income Tax
Residents of New York City are subject to both New York State income tax and New York City income tax. The city tax is also progressive and is calculated based on your taxable income after state tax deductions are considered. If you live in NYC but work elsewhere in NY State, you may still owe city tax. If you live outside NYC but work within the city, you generally do not owe NYC income tax (though there are exceptions and complexities, particularly for commuters). This calculator assumes you owe NYC tax only if you declare yourself a NYC resident.
Key Factors for NYC Tax:
Residency: You generally only owe NYC income tax if you are a resident of the city.
Tax Brackets: Similar to the state, NYC has its own set of tax brackets and rates.
Limitations of This Calculator
This calculator simplifies the tax calculation process. It does not account for:
Tax credits (e.g., child tax credit, earned income tax credit)
Special income types (e.g., capital gains, business income with specific NYC/NYS treatment)
Deductions beyond the standard deduction implicit in taxable income
Part-year residency
Other specific New York State or City tax laws that may apply
Always refer to official New York State Department of Taxation and Finance (NYSDTF) and New York City Department of Finance resources, or consult a tax professional for accurate and complete tax information.
function calculateTaxes() {
var taxableIncome = parseFloat(document.getElementById("taxableIncome").value);
var filingStatus = document.getElementById("filingStatus").value;
var nycResident = document.getElementById("nycResident").value;
var resultDiv = document.getElementById("result");
if (isNaN(taxableIncome) || taxableIncome < 0) {
resultDiv.innerHTML = "Please enter a valid taxable income.";
resultDiv.style.backgroundColor = "#f8d7da";
resultDiv.style.color = "#721c24";
resultDiv.style.borderColor = "#f5c6cb";
return;
}
var stateTax = 0;
var cityTax = 0;
// — New York State Tax Brackets (Illustrative – use current year official rates for accuracy) —
// These rates are simplified approximations for demonstration. Official rates should be consulted.
var nyStateRates = {
single: [
{ limit: 8500, rate: 0.04 },
{ limit: 11700, rate: 0.045 },
{ limit: 13850, rate: 0.0516 },
{ limit: 21150, rate: 0.0569 },
{ limit: 43850, rate: 0.0633 },
{ limit: 171550, rate: 0.0685 },
{ limit: 311150, rate: 0.0882 },
{ limit: 351150, rate: 0.0999 },
{ limit: 1000000, rate: 0.103 },
{ limit: Infinity, rate: 0.109 } // Top rate
],
mfj: [ // MFJ brackets are typically wider
{ limit: 17150, rate: 0.04 },
{ limit: 23550, rate: 0.045 },
{ limit: 27700, rate: 0.0516 },
{ limit: 42300, rate: 0.0569 },
{ limit: 87750, rate: 0.0633 },
{ limit: 175450, rate: 0.0685 },
{ limit: 343150, rate: 0.0882 },
{ limit: 423250, rate: 0.0999 },
{ limit: 1000000, rate: 0.103 },
{ limit: Infinity, rate: 0.109 }
],
mfs: [ // MFS brackets are typically narrower than MFJ
{ limit: 8500, rate: 0.04 },
{ limit: 11700, rate: 0.045 },
{ limit: 13850, rate: 0.0516 },
{ limit: 21150, rate: 0.0569 },
{ limit: 43850, rate: 0.0633 },
{ limit: 87700, rate: 0.0685 },
{ limit: 171550, rate: 0.0882 },
{ limit: 211625, rate: 0.0999 },
{ limit: 500000, rate: 0.103 },
{ limit: Infinity, rate: 0.109 }
],
hoh: [ // HoH brackets are typically wider than Single, narrower than MFJ
{ limit: 11700, rate: 0.04 },
{ limit: 15500, rate: 0.045 },
{ limit: 17700, rate: 0.0516 },
{ limit: 26450, rate: 0.0569 },
{ limit: 55450, rate: 0.0633 },
{ limit: 196550, rate: 0.0685 },
{ limit: 373350, rate: 0.0882 },
{ limit: 441100, rate: 0.0999 },
{ limit: 1000000, rate: 0.103 },
{ limit: Infinity, rate: 0.109 }
]
};
var currentRates = nyStateRates[filingStatus];
var incomeRemaining = taxableIncome;
var previousLimit = 0;
for (var i = 0; i 0) {
stateTax += taxableInBracket * bracket.rate;
incomeRemaining -= taxableInBracket;
previousLimit = bracket.limit;
}
if (incomeRemaining <= 0) break;
}
// — New York City Tax Brackets (Illustrative – use current year official rates for accuracy) —
// These rates are simplified approximations for demonstration. Official rates should be consulted.
// NYC tax is generally applied to the same taxable income base as NYS, but with different brackets.
var nycTaxBrackets = [
{ limit: 12000, rate: 0.0307 },
{ limit: 29000, rate: 0.0375 },
{ limit: 70000, rate: 0.0425 },
{ limit: 100000, rate: 0.0531 },
{ limit: 150000, rate: 0.0597 },
{ limit: 500000, rate: 0.0633 },
{ limit: Infinity, rate: 0.0707 } // Top rate
];
if (nycResident === "yes") {
var incomeForCityTax = taxableIncome; // Simplified: use same taxable income base
var cityIncomeRemaining = incomeForCityTax;
var previousCityLimit = 0;
for (var i = 0; i 0) {
cityTax += taxableInBracket * bracket.rate;
cityIncomeRemaining -= taxableInBracket;
previousCityLimit = bracket.limit;
}
if (cityIncomeRemaining <= 0) break;
}
}
var totalTax = stateTax + cityTax;
resultDiv.innerHTML = "Estimated NY State Tax: $" + stateTax.toFixed(2) +
"Estimated NYC Tax: $" + cityTax.toFixed(2) +
"Total Estimated Tax: $" + totalTax.toFixed(2) + "";
resultDiv.style.backgroundColor = "#d4edda";
resultDiv.style.color = "#155724";
resultDiv.style.borderColor = "#c3e6cb";
}