New York vs United Kingdom: Taxes & Take-Home Pay 2026
On a $100,000 salary you keep $73,877 in New York and $71,937 in United Kingdom — $1,940 more per year in New York ($162 a month). Single filer, standard deductions.
Updated 2026-10-03 · International figures converted at the exchange rate noted in sources; salaries entered in US dollars. Excludes retirement, health and cost-of-living differences.
Take-home pay at every salary
| Gross salary | New York | United Kingdom | Difference |
|---|---|---|---|
| $40,000 | $32,553 (18.6% tax) | $33,446 (16.4% tax) | -$893 |
| $60,000 | $47,457 (20.9% tax) | $47,846 (20.3% tax) | -$390 |
| $75,000 | $57,784 (23.0% tax) | $57,437 (23.4% tax) | $347 |
| $100,000 | $73,877 (26.1% tax) | $71,937 (28.1% tax) | $1,940 |
| $150,000 | $105,538 (29.6% tax) | $97,339 (35.1% tax) | $8,199 |
| $250,000 | $168,776 (32.5% tax) | $147,230 (41.1% tax) | $21,547 |
- New York total tax rate
- United Kingdom total tax rate
Where the money goes at $100,000
- New York
- United Kingdom
About taxes in New York
- Starting January 1, 2026, New York cut the rates on its first five brackets (to 3.9%, 4.4%, 5.15%, 5.4% and 5.9%) under Chapter 59 of the Laws of 2025.
- The 2026 standard deduction is $8,000 for single filers, $16,050 for married couples filing jointly and $11,200 for heads of household; each dependent adds a $1,000 exemption.
- Rates above 5.9% are unchanged: 6.85%, 9.65%, 10.3% and 10.9% on taxable income over $25 million.
- Higher earners face a tax-benefit recapture: once New York AGI exceeds $107,650, the benefit of the lower brackets is gradually phased out.
- In 2026 employees pay 0.432% of wages for Paid Family Leave, up to a maximum of $411.91 for the year, plus up to $0.60 a week for disability insurance.
About taxes in United Kingdom
- For 2026/27 the Personal Allowance is £12,570, the basic rate of 20% applies to the first £37,700 of taxable income, 40% up to £125,140 and 45% above (England).
- The Personal Allowance falls by £1 for every £2 of adjusted net income above £100,000, so it is fully withdrawn at £125,140.
- Employee Class 1 National Insurance for 2026/27 is 8% on earnings between the Primary Threshold (£242 a week, £12,570 a year) and the Upper Earnings Limit (£967 a week, £50,270 a year), and 2% above.
- The calculator applies National Insurance on annual earnings; in practice it is assessed per pay period, so irregular pay can produce slightly different results.
- Student loan repayments, pension contributions, the Marriage Allowance and Scottish rates are not modelled.
Salary needed to keep the same take-home
If you move between New York and United Kingdom, this is the gross salary (in US dollars) that leaves the same take-home pay after income tax and employee contributions.
| Salary in New York | Take-home | Same take-home in United Kingdom needs | Difference |
|---|---|---|---|
| $50,000 | $40,005 | $49,109 | −$891 (-1.8%) |
| $75,000 | $57,784 | $75,599 | +$599 (0.8%) |
| $100,000 | $73,877 | $103,345 | +$3,345 (3.3%) |
| $150,000 | $105,538 | $171,337 | +$21,337 (14.2%) |
Tax on your next $1,000
The marginal rate — the share of a raise that goes to tax and contributions — often matters more than the average rate.
| Salary | New York | United Kingdom |
|---|---|---|
| $40,000 | 25.5% | 28.0% |
| $75,000 | 35.5% | 42.0% |
| $100,000 | 35.6% | 42.0% |
| $150,000 | 37.5% | 62.0% |
| $250,000 | 41.2% | 47.0% |
What employers pay on top
Employer payroll and social contributions are not deducted from your pay, but they affect what employers can afford to offer.
New York (US)
- Employer Social Security (OASDI): 6.20% — Matches the employee: 6.2% on wages up to $184,500 in 2026.
- Employer Medicare: 1.45% — Matches the employee: 1.45% on all wages with no cap (the 0.9% Additional Medicare Tax has no employer match).
- FUTA (federal unemployment): 0.60% — 6.0% on the first $7,000 of each employee’s wages, normally 0.6% after the 5.4% credit for state unemployment tax; states add their own unemployment tax.
United Kingdom
- Employer Class 1 National Insurance: 15.00% — 15% on earnings above the Secondary Threshold of £96 a week (about £5,000 a year) for 2026/27, with no upper limit.
- Workplace pension (auto-enrolment minimum): 3.00% — At least 3% of qualifying earnings (£6,240 to £50,270) for auto-enrolled staff.
Typical pay and minimum wage
| New York (US) | United Kingdom | |
|---|---|---|
| Median earnings | 1,251 USD ($1,251) — median usual weekly earnings, full-time wage and salary workers (BLS), Q2 2026 | 39,039 GBP ($51,535) — median gross annual earnings, full-time employees (ONS ASHE), April 2025 |
| Minimum wage | 7.25 USD/hour ($7.25), from 24 July 2009 (federal; many states and cities set higher rates) | 12.71 GBP/hour ($16.78), from 1 April 2026 (National Living Wage, age 21+) |
US figures are national; many states and cities set a higher minimum wage.
United Kingdom vs New York city by city
Take-home pay varies across New York with local taxes, and living costs vary even more. On $75,000 you keep $57,437 in United Kingdom. New York also deducts Disability insurance (SDI), 0.5% up to $0.60/week (0.50%) and Paid Family Leave (PFL) (0.43%).
| City | Take-home on $75k | vs United Kingdom | Sales tax | Median rent / month | Price level (US = 100) | Take-home in national prices |
|---|---|---|---|---|---|---|
| New York City | $55,312 | −$2,125 | 8.88% | $1,811 | 112.6 | $49,139 |
| Yonkers | $57,206 | −$231 | 8.88% | $1,789 | 112.6 | $50,821 |
- Starting January 1, 2026, New York cut the rates on its first five brackets (to 3.9%, 4.4%, 5.15%, 5.4% and 5.9%) under Chapter 59 of the Laws of 2025.
- The 2026 standard deduction is $8,000 for single filers, $16,050 for married couples filing jointly and $11,200 for heads of household; each dependent adds a $1,000 exemption.
- Rates above 5.9% are unchanged: 6.85%, 9.65%, 10.3% and 10.9% on taxable income over $25 million.
- Higher earners face a tax-benefit recapture: once New York AGI exceeds $107,650, the benefit of the lower brackets is gradually phased out.
How the two tax systems differ
| New York (US) | United Kingdom | |
|---|---|---|
| Tax year | 1 January – 31 December 2026 | 6 April 2026 – 5 April 2027 |
| Filing a tax return | Most workers file an annual Form 1040 even though tax is withheld from pay; filing is required once gross income passes the threshold (e.g. $15,750 for a single filer under 65 for 2025). | Most employees pay through PAYE and never file a return; Self Assessment is needed mainly for self-employment over £1,000, untaxed income such as rent or investments, or Capital Gains Tax owed. |
| Consumption tax | Sales tax (no federal VAT) 0%. There is no national VAT or GST; states and localities levy their own retail sales taxes, and five states have no statewide sales tax. | VAT 20% (reduced: 5% (e.g. home energy, children’s car seats); 0% on most food and children’s clothes) |
| Retirement | Social Security is the mandatory public pension, funded by 6.2% from both employee and employer; workplace plans such as a 401(k) are voluntary, with employee deferrals limited to $24,500 in 2026. | Employers must auto-enrol eligible workers into a workplace pension; the legal minimum is 8% of qualifying earnings, of which the employee pays 5% (including tax relief) and the employer at least 3%. Workers can opt out. |
| Healthcare | There is no universal public insurance for working-age adults; most get coverage through an employer plan with premiums shared with the employer, while the 1.45% Medicare tax (matched by employers) funds hospital insurance for people 65 and over. | The NHS is funded mainly from general taxation and National Insurance and is free at the point of use for residents; there is no separate health premium or levy on pay. |
| Capital gains | Long-term gains (assets held over a year) are taxed at 0%, 15% or 20% depending on taxable income, plus 3.8% net investment income tax for higher earners; short-term gains are taxed as ordinary income. | Gains above the £3,000 annual exempt amount are taxed at 18% within the basic-rate band and 24% above it. |
Frequently asked questions
Is New York or United Kingdom better for taxes?
At $100,000, New York leaves you $1,940 more per year after income and payroll taxes. The gap widens at higher incomes ($21,547 at $250,000).
How much is $60,000 after tax in New York and United Kingdom?
$47,457 in New York and $47,846 in United Kingdom.
Sources
Figures are taken from official government publications and were last reviewed on 2026-10-03.
- NYS Tax Department – IT-2105-I (2026) estimated tax instructions with 2026 rate schedules
- NYS Tax Department – NYS-50-T-NYS withholding tables effective January 1, 2026
- NY Paid Family Leave – 2026 rates
- Tax Foundation – 2026 State Tax Changes
- Tax Foundation – State and Local Sales Tax Rates, Midyear 2026 (as of July 1, 2026)
- GOV.UK – Income Tax rates and allowances for current and past years
- GOV.UK – Rates and thresholds for employers: National Insurance 2026 to 2027
- European Central Bank – euro foreign exchange reference rates
- IRS Topic No. 751, Social Security and Medicare withholding rates
- IRS Topic No. 759, Form 940 – Federal Unemployment (FUTA) Tax Return
- IRS: 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500
- IRS Topic No. 559, Net Investment Income Tax
- IRS – Who should file
- U.S. Department of Labor – Minimum wage
- BLS – Usual Weekly Earnings of Wage and Salary Workers, Second Quarter 2026
- GOV.UK – VAT rates
- GOV.UK – Workplace pensions: what you, your employer and the government pay
- GOV.UK – Capital Gains Tax rates
- GOV.UK – Check if you need to send a Self Assessment tax return
- GOV.UK – National Minimum Wage and National Living Wage rates
- ONS – Employee earnings in the UK: 2025 (ASHE)
- Rev. Proc. 2025-32 (2026 inflation adjustments incl. OBBBA)
- IRS: Tax inflation adjustments for tax year 2026, including OBBBA amendments