New York Self-Employment Tax Calculator
Federal self-employment tax and income tax, plus New York state income tax using the 2026 rates, in one estimate. Enter your income and costs to see what to set aside.
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New York income tax in 2026
New York's rate structure for 2026: 3.9% to 10.9%, 9 brackets. The brackets below are for single filers; joint filers get wider brackets.
| Taxable income (single) | Rate |
|---|---|
| $0 and up | 3.9% |
| $8,500 and up | 4.4% |
| $11,700 and up | 5.15% |
| $13,900 and up | 5.4% |
| $80,650 and up | 5.9% |
| $215,400 and up | 6.85% |
| $1,077,550 and up | 9.65% |
| $5,000,000 and up | 10.3% |
| $25,000,000 and up | 10.9% |
Deductions modelled in this calculator: a standard deduction of $8,000 for single filers and $16,050 for joint filers.
The calculator starts from your federal adjusted gross income (profit minus half of your self-employment tax) and applies these brackets. Head of household uses the single brackets. Local taxes and state credits other than the personal credit are not included.
What it means in dollars
For a New York freelancer or gig worker with $55,000 of income and $5,000 of business costs (net profit $50,000, single filer, no other income), we estimate self-employment tax of $7,065, federal income tax of $2,667 and New York income tax of $1,912. The total is about $11,644, or 23.3% of profit, which is $2,911 per quarter. The state share is $1,912.
Local taxes and special rules in New York
New York City residents also pay a city income tax, and Yonkers residents a surcharge. Self-employed people in the Metropolitan Commuter Transportation District with high enough earnings may also owe the MCTMT.
Estimated payments in New York
Most states with an income tax expect estimated payments from self-employed people who expect to owe more than a small amount, and many use dates close to the federal ones. Confirm the schedule and any minimum with the New York tax agency, using the link in the sources below. See also the federal due dates guide and the safe-harbor rules.
Frequently asked questions
Does New York have a state income tax?
Yes. New York uses graduated rates for 2026: 3.9% to 10.9%, 9 brackets. Federal tax applies on top.
How much should I set aside for taxes in New York?
For $50,000 of net profit our estimate is about 23.3%, including federal and New York income tax and self-employment tax. Your own figure depends on income, filing status and other income, so use the calculator above.
Do I pay New York estimated taxes as a freelancer or gig worker?
Generally, if you expect to owe more than a small amount for the year after withholding. Dates and thresholds are set by New York, so confirm them with the state tax agency.
Are there local taxes on self-employment income in New York?
New York City residents also pay a city income tax, and Yonkers residents a surcharge. Self-employed people in the Metropolitan Commuter Transportation District with high enough earnings may also owe the MCTMT.
Sources
- Tax Foundation: State Individual Income Tax Rates and Brackets, 2026
- IRS: New York state tax information
- IRS: Self-employment tax (Social Security and Medicare)
- IRS: Estimated taxes
Estimates only, not tax advice. State rules change, and city, county and special taxes are not included. See our disclaimer.
Other states
Not in New York? Use the state tax guide or pick any state in the calculator above. Related tools: self-employed tax calculator, quarterly tax calculator, 1099 vs W-2.