New York Earned Income Tax Credit Calculator
Figure basis: Official New York State Department of Taxation and FinanceThe New York earned income tax credit (EITC) is a state credit for working people with low to moderate income, set as 30% of your federal EITC. This calculator estimates your federal EITC from your earned income, filing status, and number of qualifying children using the IRS 2026 tables, then applies the New York rule to give your state credit. The New York credit is refundable. Enter your details to see both your estimated federal EITC and your New York credit. Figures are an estimate: the IRS computes the federal credit from $50 income bands, so your exact credit may differ by a few dollars. The state percentage is sourced from New York State Department of Taxation and Finance and verified for 2026.
A single filer in New York with 2 children earning $25,000 has an estimated federal EITC of $7,082.23 and a New York credit of $2,124.67 (30% of the federal credit).
How the New York EITC works
The New York credit is built on the federal EITC. First the federal credit is found from your earned income, filing status, and qualifying children (it phases in, plateaus at a maximum, then phases out as income rises). Then New York applies 30% of your federal EITC. The New York credit is refundable, so if it is larger than the state tax you owe, you receive the difference as a refund.
federal EITC = phase-in, plateau, then phase-out per the IRS 2026 tables
New York EITC = federal EITC x New York percentage
State, city, and a noncustodial option
New York offers one of the older and more layered earned income tax credits. The state match is 30% of the federal EITC and it is refundable, but the headline rate understates what some residents actually receive. New York City residents can claim a separate city earned income credit on top of the state figure, so a household in the five boroughs stacks two credits where a resident upstate claims one.
New York also runs an option that almost no other state offers: a noncustodial parent earned income tax credit for filers who are current on their child support but do not claim the child on their return. Such filers can take the greater of that credit or the regular state EITC, which is why the single federal number this calculator produces cannot capture every New Yorker's situation.
For the mainstream case the mechanics are clean: the tool computes your federal EITC from earned income, filing status, and qualifying children, then applies 30%. Because the state figure rides on the federal one, anything that lowers your federal EITC, such as investment income over the federal limit, lowers the state credit too. A single filer with 2 children earning $25,000 will see a federal EITC near the maximum and a New York credit of roughly 30% of it, before any city credit is added. If you live in New York City or pay child support, check those separate provisions in addition to the number shown here.
New York EITC: frequently asked questions
How much is the New York earned income tax credit?
The New York EITC is 30% of your federal EITC. For example, a single filer with 2 children earning $25,000 has an estimated federal EITC of $7,082.23 and a New York credit of about $2,124.67. Enter your own details above for your figure.
Is the New York EITC refundable?
The New York credit is refundable, so if it is larger than the state tax you owe, you receive the difference as a refund.
Do I qualify for the New York earned income credit?
Generally, if you qualify for the federal EITC you also qualify for the New York credit, which is based on it. You need earned income, a valid Social Security number, and investment income under the federal limit ($12,200 for 2026).
How is the New York EITC calculated?
First your federal EITC is computed from your earned income, filing status, and number of qualifying children using the IRS 2026 tables. Then New York applies 30% of your federal EITC. This calculator does both steps for you.
Official sources
- New York EITC percentage and refundability: New York State Department of Taxation and Finance, as at Jul 15, 2026.
- Federal EITC 2026 parameters: IRS Rev. Proc. 2025-32, Internal Revenue Service.
Reviewed by the CalculatorHub team, edited by James Graham, 15 July 2026. See our methodology. General information, not tax advice; your exact credit is set on your tax return.