New York
New York dual income: RSUs plus two W-2s still leave a federal gap.
Reviewed August 21, 2026. About. Not tax advice.
A 2026 married-filing-joint New York household with $430k combined salary, $80k RSUs, $25k bonus, and $8k extra withholding already set is still about $2,985 short on this desk. NY supplemental withholding (we use 11.66%) covers more of the state slice than CA does of its tiny gap; the remainder is still mostly federal.
Worked example
NYC dual income sample: still due $2,985, federal gap $10,040, state gap $0, extra withholding already $8,000.
FAQ
- Does NYC resident tax change RSU withholding?
- It can. This desk uses a simplified NY state rate, not a full NYC resident / Yonkers / nonresident allocation. If one spouse sits in NYC and the other does not, stop here and send the fact pattern to a CPA.
- We have a nanny. Is that in the $ figure?
- No. Household employment has its own Schedule H / state unemployment filings. The desk flags it so you ask payroll (GTM, Poppins) — it does not compute nanny tax.
Sources
- IRS Publication 15 (Circular E) — Supplemental wage withholding: 22% up to $1 million, 37% above.
- IRS tax year 2026 inflation adjustments (Rev. Proc. 2025-32) — 2026 federal brackets and standard deduction.
- IRS estimated taxes — 1040-ES installment dates and underpayment penalty.