RSU Tax Estimate · 2026

Amazon (AMZN) RSU Tax Calculator forNew YorkEmployees

What's withheld when your AMZN RSUs vest vs. what you actually owe in New York, with 2026 federal brackets.

This page estimates the RSU withholding gap for Amazon (AMZN) employees who live and work in New York. The example is a single filer with a $200,000 salary and a $50,000 vest, using 2026 federal brackets. The estimated result is −$2,339. The table below shows how that changes with salary and vest size. Amazon has historically used a back-loaded vesting schedule (5%, 15%, 40%, 40% over four years; check your own grant agreement). Larger vests in later years push more income into higher federal brackets, so the gap usually grows over the life of a grant.

AMZN × NY · $200,000 salary · $50,000 vest · single filer

Withheld at Vest

$18,025

22% federal, 11.70% New York, Medicare. New York optional supplemental rate; employers may use the aggregate method.

Actually Owed on the RSUs

$20,364

Extra federal tax ($14,570), New York tax ($4,619) and payroll taxes the vest adds on top of your salary.

Estimated Gap

−$2,339

Federal −$3,570, state +$1,231. On a $10,000 vest: +$380.

Estimates for planning, not tax advice. Social Security is already capped at this salary ($184,500 wage base). Last reviewed September 21, 2026.

Open the AMZN × NY Calculator, Pre-Filled →

Estimated gap by salary and vest size in New York

Base salary	$25k vest	$50k vest	$100k vest
$150,000	+$863	+$1,813	−$526
$200,000	−$28	−$2,339	−$6,374
$300,000	−$2,037	−$4,075	−$8,150
$500,000	−$2,037	−$4,075	−$8,150

Withheld at vest minus actually owed. Negative means you'll owe more when you file; positive means over-withholding. Single filer, no bonus, standard deduction, vest in the second half of the year, 2026 federal brackets, New York single-filer brackets with recapture. The gap is the same for every company at the same vest value; only the share count differs (278 AMZN shares ≈ $50,040 at an example price of $180).

What this means for Amazon employees in New York

New York cut its middle brackets by 0.1 percentage points for 2026. For a single filer, taxable income between $80,650 and $215,400 is taxed at 5.9% and income from $215,400 to about $1.08 million at 6.85%.

New York also has a tax-benefit recapture above $107,650 of income: as income rises, the benefit of the lower brackets is taken back, so the whole income ends up taxed at your top bracket rate. In the phase-in ranges this pushes the real marginal rate on RSU income well above the bracket rate. The calculator models this for single filers.

Employers may withhold New York tax on supplemental wages at a flat 11.70% (they can also use the aggregate method). At typical tech salaries, 11.70% is more than New York actually charges, so the state side is often over-withheld. On a $50,000 vest at a $200,000 salary: New York withheld $5,850, New York owed $4,619 (+$1,231). The federal side is short by $3,570, so the net gap is −$2,339.

New York City residents also owe city income tax (3.078%–3.876%), and employers can withhold it at a 4.25% supplemental rate. City tax is not included in these estimates.

Frequently asked questions

Q.Is New York's 11.70% RSU withholding more than I owe?

At most tech salaries, yes. New York's 2026 single-filer rates are 5.9% up to $215,400 of taxable income and 6.85% above, plus the recapture effect above $107,650. An 11.70% flat withholding usually exceeds that, which partly offsets the federal shortfall. Some employers use the aggregate method instead, so check the state line on your vest statement.

Q.I work for Amazon in New York but live in New Jersey. Who taxes my RSUs?

New York taxes wages for work performed in New York, including RSU income sourced to your New York workdays, and New Jersey then gives you a credit for tax paid to New York. New York's convenience-of-the-employer rule can also treat remote workdays as New York workdays when you work from home for your own convenience.

Q.How can I see exactly what Amazon withheld on my vest?

Open the release or vest confirmation in your equity account: it lists the shares released, the vest-day price and the shares sold or withheld for taxes. The pay stub for that pay period breaks the withholding into federal, state, Social Security and Medicare lines. Enter those figures in the calculator to compare them with what you actually owe.