F-1 OPT · New York
F-1 OPT take-home pay in New York (2026)
Pick a salary to see the full breakdown — federal income tax, FICA, New York state income tax, and your annual / monthly / bi-weekly net.
New York combines a progressive state income tax (up to 10.9% above $25M) with a separate NYC local income tax for city residents (up to 3.876%) — a one-two punch that materially changes the take-home number versus suburban NY, NJ, or CT. Use the calculator below to toggle NYC residence.
| Gross salary | Take-home | Monthly | Effective rate | |
|---|---|---|---|---|
| $60,000 | $49,445 | $4,120 | 17.6% | Details → |
| $80,000 | $63,965 | $5,330 | 20.0% | Details → |
| $100,000 | $78,428 | $6,536 | 21.6% | Details → |
| $120,000 | $92,562 | $7,714 | 22.9% | Details → |
| $150,000 | $113,592 | $9,466 | 24.3% | Details → |
| $180,000 | $134,622 | $11,219 | 25.2% | Details → |
| $220,000 | $161,204 | $13,434 | 26.7% | Details → |
| $280,000 | $197,213 | $16,434 | 29.6% | Details → |
| $350,000 | $237,918 | $19,827 | 32.0% | Details → |
| $500,000 | $325,143 | $27,095 | 35.0% | Details → |
Cities & counties in New York with local income tax
Some New York localities add their own income tax on top of state tax. Pick a salary above and choose the locality from the dropdown in the calculator to apply it:
New York City, Yonkers (resident surcharge).
How New York state income tax works for F-1 OPT holders
New York uses a progressive income tax with 9 brackets, topping out at 10.90%. Like the federal system, each bracket only applies to the slice of income inside it — your marginal rate (the rate on your next dollar) is higher than your effective rate (total state tax ÷ gross).
The calculator above applies the full New York bracket schedule to your taxable income after the state standard deduction, then layers the result on top of federal tax + FICA to give you a single take-home number.
Local taxes in New York. 2 cities and counties in New York levy their own income tax on top of the state rate — see the "Cities & counties" section above. If you live or work in one of those localities, your effective tax rate is higher than the state headline rate.
What's different for F-1 OPT holders in New York?
State income tax generally does not distinguish between visa categories — it only looks at where you live and where you work, not your immigration status. A few practical notes for F-1 OPT holders specifically:
- Residency. Most states deem you a tax resident if you are domiciled in the state or spend more than 183 days there during the calendar year, regardless of visa type.
- FICA exemption (federal) ≠ state-tax exemption. Even though you are FICA-exempt at the federal level for 5 years, New York still taxes your wages on its own rules.
- Standard deduction. Many states tie their standard deduction to federal rules — if you can't claim the federal standard deduction as a NRA, you may also be limited at the state level.