Stripe RSU Taxes in New York (2026)

2026 Stripe Compensation Benchmarks in New York

Below is the 2026 tax withholding and April shortfall breakdown across sample Stripe engineering levels for a Single filer in New York (at a reference share price of $42/share via Carta / Morgan Stanley at Work):

New York Supplemental Tax Regulations for Stripe RSUs

New York State Department of Taxation and Finance prescribes an 11.70% statutory supplemental withholding rate (plus up to 4.25% for New York City residents if local withholding is configured). For NYC tech workers, combined NYS marginal rates (6.85% to 10.90%) and NYC resident income tax (3.876%) create a combined marginal burden of 10.73% to 14.78%, frequently resulting in municipal and state shortfalls.

New York Bracket Architecture: Progressive state brackets up to 10.9% (6.85% for $215,400–$1,077,550; 9.65% up to $5M), plus 3.078%–3.876% New York City local resident income tax.

New York Safe Harbor & Estimated Tax Vouchers (NYS Form IT-2105 (Estimated Income Tax Payment Voucher))

Requires quarterly Form IT-2105 vouchers if New York tax owed after withholding exceeds $300. High-income filers (NY AGI > $150,000) must remit 110% of prior-year NY/NYC tax or 90% of current-year liability.

Multi-State Relocation & Nonresident Sourcing Rules in New York

Under 20 NYCRR § 132.24 and NYS Technical Memorandum TSB-M-07(7)I, New York allocates RSU income for nonresidents and part-year residents based on the ratio of New York workdays to total workdays during the "grant-to-vest" measurement period, strictly enforcing the "convenience of the employer" rule for remote workers assigned to a Manhattan office.

Employer Stock Plan Specifics: Stripe (Carta / Morgan Stanley at Work)

Stripe has pioneered ongoing employee liquidity for a late-stage private company by waiving liquidity triggers on specific RSU cohorts and executing regular company-sponsored tender offers to cover tax obligations and provide secondary liquidity. However, when Stripe net-settles shares at vest or executes a tender offer, payroll withholding still defaults to the 22% federal statutory rate—leaving a 10% to 15% cash tax gap on illiquid private equity.

Withholding Election Guidance: Unlike public company employees who can log into Schwab or Fidelity any day and sell extra shares on the open market to pay the IRS in April, Stripe employees hold private shares that cannot be traded outside designated tender offer windows. Therefore, when a tender offer window opens on Carta / Morgan Stanley at Work, you must sell enough secondary shares (or set aside cash from your base salary) to cover the 13%–15% federal and state underwithholding gap.

2026 Statutory Parameters Quick Reference