Designing equitable and effective public transit fare policies is challenging due to complex interactions among traveler behavior, multimodal networks, and socioeconomic heterogeneity. This paper presents a scalable, data-driven simulation framework for evaluating transit fare policies in New York City (NYC), integrating a synthetic population, agent-based simulation, multimodal travel-time estimation, and fare-sensitive mode choice modeling. We evaluate multiple fare scenarios, including distance-based pricing, fare increases, and fare-free bus policies. Results show that pricing changes modestly affect total ridership but significantly alter modal composition and produce heterogeneous impacts across income groups. In particular, fare-free bus policies generate substantial benefits for lower-income riders by increasing bus usage and reducing fare burden, while introducing trade-offs in revenue. To support city-scale analysis, we introduce a sampling-based approach that reduces computational cost while preserving aggregate accuracy. The proposed framework provides a practical tool for assessing trade-offs between ridership, revenue, and equity, enabling more informed and equitable transit policy design.

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