1099 Tax Calculator New York 2026
New York self-employment income is taxed at federal, SE, and state levels. New York State has 9 graduated tax brackets ranging from 4% to 10.9% (top rate applies to income over $25 million). Note: this calculator estimates state tax only - New York City imposes its own additional income tax (2.907-3.876%) and Yonkers has a local surcharge, neither of which is modeled here. Use the calculator below to estimate your federal + state + SE tax for 2026.
Net income after business expenses
Enter your income to see your tax breakdown
How New York taxes self-employment income
New York has graduated income tax brackets with a top rate of 10.90%.
New York has a 9-bracket graduated income tax. The state has tax benefit recapture provisions where many high-income taxpayers pay their top rate on all income (not modeled). New York City imposes its own additional income tax (2.907-3.876%) and Yonkers has a local surcharge — neither modeled in this calculator. Top state rate of 10.9% applies to income over $25M.
Profession-specific calculators for New York
Get a New York-specific tax estimate with profession-specific deduction guidance:
Federal tax also applies
Regardless of state, all 1099 contractors and self-employed workers in New York owe federal income tax and self-employment tax. SE tax is 15.3% on net earnings (12.4% Social Security up to $184,500 in 2026, plus 2.9% Medicare with no cap). Federal income tax follows the standard bracket structure (10-37%).
The calculator above includes federal, SE, and New York state tax in one estimate, and breaks down quarterly estimated payments due April 15, June 15, September 15, 2026, and January 15, 2027.