Remote Work Tax Calculator · 2026
Live in Missouri, Work Remotely for New York Company
State income tax analysis for fully remote workers · Single filer · 2026
"Convenience of Employer" Rule Applies
NY applies the "convenience of employer" doctrine, which means it taxes your wages as if you worked in NY — even though you work remotely from MO. MO will also tax your income as a resident, but typically provides a credit for taxes paid to NY. In practice, you pay the higher of the two state tax rates.
Missouri State Tax
$4,767
4.8% of gross
New York State Tax
$5,214
5.2% of gross
Effective State Tax
$5,214
what you actually owe
Take-Home on $100k
$73,522
26.5% effective rate
Tax Breakdown by Salary
Showing effective state tax based on your remote work scenario
| Salary | Federal | FICA | Missouri Tax | New York Tax | Owe | Take-Home |
|---|---|---|---|---|---|---|
| $60,000 | $5,162 | $4,590 | $2,787 | $2,828 | $2,828 | $47,420 |
| $100,000 | $13,614 | $7,650 | $4,767 | $5,214 | $5,214 | $73,522 |
| $150,000 | $25,247 | $11,475 | $7,242 | $8,339 | $8,339 | $104,939 |
| $200,000 | $37,247 | $13,818 | $9,717 | $11,464 | $11,464 | $137,471 |
State Income Tax Comparison
Missouri
(MO)
New York
(NY)
Remote Work Tax Tips
Verify your employer withholds for the correct state
Your employer should withhold income tax for your live state (where you physically work), not their state. If they're withholding the wrong state's taxes, update your W-4 / state withholding form.
Document employer-required remote work
If New York uses a convenience rule, having written documentation that remote work is required by your employer — not just a personal preference — can protect you from owing New York taxes.
Track days physically worked in the employer's state
Even as a remote worker, days you physically travel to New York for work are taxable by New York. Keep records and file a nonresident return if thresholds are exceeded.
Claim the resident state tax credit
If you end up paying taxes to both states, your live state (Missouri) typically provides a credit for taxes paid to New York on the same income, preventing full double taxation.
Frequently Asked Questions
Do I owe state taxes in New York if I work remotely from Missouri?
NY applies the "convenience of employer" doctrine, which means it taxes your wages as if you worked in NY — even though you work remotely from MO. MO will also tax your income as a resident, but typically provides a credit for taxes paid to NY. In practice, you pay the higher of the two state tax rates.
How much state tax do I pay as a remote worker in Missouri employed by a New York company?
On a $100,000 salary: Missouri state tax is $4,767, New York state tax is $5,214. With the "Convenience of Employer" Rule Applies scenario, your effective state tax obligation is $5,214, leaving you with $73,522 in take-home pay.
What is the 'convenience of employer' rule?
Several states (New York, Connecticut, Delaware, Pennsylvania, Nebraska) use the 'convenience of employer' doctrine. If your employer is based in one of these states and you work from home for your own convenience — not because your employer requires it — the employer's state can tax your wages as if you worked there. This can result in paying income taxes to two states simultaneously, though your home state usually provides a partial credit.
What can I do to reduce my remote work tax burden?
Key strategies: (1) If your employer requires remote work in writing, document this to defeat convenience-of-employer claims. (2) Ensure your employer withholds taxes for your live state, not the work state — you'll avoid overpaying and waiting for a refund. (3) Track any days you physically work in the work state, as you'll owe that state taxes on those days. (4) Maximize pre-tax deductions (401k, HSA) to reduce taxable income in both states simultaneously.