New York Paycheck Calculator
New York withholds in up to three places at once: New York State on everyone, New York City on residents of the five boroughs, and a Yonkers surcharge on top of that. Two small statutory premiums — Paid Family Leave and disability — sit alongside them, and both are legally the employer’s choice, so they may not appear on your stub at all. This calculator keeps every one of those on its own line for 2026.
California payroll premiums
Mandatory deductions that aren't income tax. They come out of your paycheck whether or not California taxes income.
- CA SDI1.3% (no cap)
1.3% of all wages, with no cap since 2024.
Your Form W-4
Optional. Skip this and you'll get the withholding for a W-4 with nothing claimed on it. The form has had no "allowances" since 2020 — dependents are now a dollar credit in Step 3.
The dollar total from Step 3, not a number of people — typically $2,200 per qualifying child and $500 per other dependent.
Interest, dividends or retirement income with no withholding of its own.
Only deductions beyond the standard deduction, from the Step 4(b) worksheet.
An extra dollar amount held from each paycheck, on top of the tax above.
This calculator provides estimates for informational purposes only. Actual paycheck amounts may vary based on your employer, benefits, local taxes, filing status, and tax elections.
Federal withholding calculation updated September 2026 using IRS Publication 15-T (2026).
Your estimate will appear here
Enter your pay details and click calculate to see your estimated take-home pay, tax breakdown, and annual income.
State, City and Yonkers Are Three Separate Taxes
New York is one of the few states where your address inside the state changes your withholding substantially. Three separate income taxes can apply, and which ones depend on where you live and work.
New York State applies to everyone working in the state, through the state’s own graduated schedule after its standard deduction. On $75,000 filing single that is $3,453.40 a year, or $132.82 a biweekly paycheck.
New York City adds its own four-bracket income tax for residents of the five boroughs — Manhattan, Brooklyn, Queens, the Bronx and Staten Island. It runs on the same taxable income the state uses and is reduced by the school tax credit. On the same salary that is $2,262.52 a year on top of the state bill. Commuting into the city from outside does not trigger it: city tax follows residence, not workplace.
Yonkers works differently again. Rather than its own brackets, it charges a surcharge calculated as a percentage of your New York State tax, so it scales with the state bill rather than directly with your wages. Non-residents working in Yonkers pay a smaller earnings tax. Because the rate is set locally and changes, the calculator asks you to enter it rather than guessing.
| Where you live | Income taxes | Net per paycheck |
|---|---|---|
| Outside NYC and Yonkers | State only | $2,222.46 |
| New York City | State + city | $2,135.44 |
| Yonkers | State + surcharge on state tax | Enter your rate |
Moving across the city line is worth $87.02 a paycheck on this salary — $2,263 a year — for identical work at identical pay.
Paid Family Leave and Disability Are Two Different Things
New York runs two small statutory programmes that are frequently lumped together. They are separate, with separate rules, and this calculator shows them separately.
Paid Family Leave (PFL) is 0.432% of gross wages, capped at $411.91 for the year. It funds leave to care for a family member, bond with a new child, or handle a military deployment. On $75,000 it costs $324.00 a year.
Statutory disability (DBL) is older and much smaller: one half of one percent of wages, but capped at 60 cents a week, so no more than $31.20 in a year no matter what you earn. It covers your own off-the-job illness or injury. Because of the weekly cap, anyone earning more than $120 a week pays the same flat 60 cents.
Both are the employer’s choice, for different reasons. For Paid Family Leave, an employer may choose to pay the premium on employees’ behalf rather than deducting it. For disability, the Disability Benefits Law allows but does not require an employee contribution — many employers simply fund it themselves. So two people on identical New York salaries can show different deductions and neither stub is wrong.
This calculator charges both by default, because that is the common case. If your employer covers one or both, switch them off in the state premiums panel: with both covered the same salary nets $2,236.12 instead of $2,222.46, a difference of $13.66 a paycheck. Check your stub rather than assuming.
Note also that plans charging more than the statutory 60 cents a week for disability exist, but only by agreement, so they are out of scope for a general calculator.
How New York State Tax Is Worked Out Here
New York taxes wages on a graduated schedule that starts at 3.9% and tops out at 10.9%. This calculator uses that schedule directly, taking the figures from Form IT-2105-I for 2026, which carries the rate cuts that took effect in January. The state standard deduction comes off first: $8,000 if you file single, $16,050 filing jointly, $11,200 as head of household. New York gives no personal exemption for yourself or a spouse, only $1,000 for each dependent, which is not part of a wage-only estimate.
Above $107,650 of New York AGI a second step kicks in, called the tax table benefit recapture. The state claws back the benefit of its lower brackets, phased in across the next $50,000 of income, so a higher earner pays their top rate on more of what they make. Plenty of calculators skip this and quietly understate the bill for anyone in six figures. On a $140,000 salary filing single it comes to about $367 a year on top of the plain bracket result.
Two payroll contributions also come out of a New York paycheck, and both are capped low enough that the caps matter more than the rates. Paid Family Leave is 0.432% of wages with a ceiling of $411.91 for the year, which anyone earning over roughly $95,350 will hit. The disability contribution is 0.5% but stops at 60 cents a week, so it is $31.20 a year for almost everyone. Employers are allowed to take the disability contribution rather than required to, so your own stub may not show it.
New York City Local Tax
Select New York City in the calculator to add city income tax. The city has four brackets of its own, from 3.078% to 3.876%, and they run on the same taxable income the state uses rather than on your gross pay. Yonkers works differently, charging a surcharge on your state tax rather than a rate on income, so enter your own rate for that.
Two credits come off that figure, and together they are the New York City school tax credit. One scales with your city taxable income and stops above $500,000. The other is a flat $63, or $125 filing jointly, for anyone under $250,000. Most city calculators leave both out and simply apply 3.876% to gross pay, which on an $80,000 salary overstates the bill by about $656 a year.
What it actually comes to on $80,000 filing single: $2,445 for the year, or $94.04 out of every biweekly paycheck. That is an effective 3.06%, and it climbs slowly with income, reaching about 3.5% at $300,000.
One caveat worth knowing. Both school tax credits are claimed on your return rather than applied by your employer, so the city tax withheld from each paycheck will be higher than what this shows. The difference comes back as a refund. If you want the withholding figure instead, add roughly $220 a year back on.
Quick Answer
On $75,000 filing single and paid biweekly, a New Yorker outside the city nets $2,222.46; the same salary inside New York City nets $2,135.44, because city income tax takes a further $87.02 a paycheck. State tax is $3,453.40 a year, city tax another $2,262.52. Paid Family Leave (0.432% of wages, capped at $411.91 a year) and statutory disability (up to 60 cents a week) are both employer-optional and may be absent from your stub.
How It Works: Formula & Variables
Net Pay = Gross Pay − Federal Tax − NY State Tax − PFL and Disability − Social Security − Medicare − Other Deductions
- Gross Pay
- Your total earnings before any deductions, hourly rate times hours, or annual salary divided by pay periods.
- Federal Tax
- Calculated using progressive tax brackets based on your filing status and taxable income.
- State Tax
- New York's 2026 schedule, from 3.9% up to 10.9%, applied to your wages after the state standard deduction. Above $107,650 the benefit recapture is added on top.
- PFL and Disability
- Paid Family Leave at 0.432% of wages, capped at $411.91 a year, and the disability contribution at 0.5% capped at $31.20.
- City Tax
- New York City's four brackets, 3.078% to 3.876%, on the same taxable income the state uses, less the school tax credit. Zero if you live outside the city.
- Social Security
- 6.2% of gross pay, up to the annual wage base limit.
- Medicare
- 1.45% of gross pay, with no wage limit (plus 0.9% surtax above certain thresholds).
Worked Examples
Example 1: $75,000 outside New York City
Paid biweekly, filing single, living upstate or on Long Island. Gross $2,884.62 a period. Federal withholding $295.00, New York State tax $132.82, Social Security $178.85, Medicare $41.83, and $13.66 for PFL and disability combined. Take-home $2,222.46, 77.0% of gross.
Example 2: The same salary in New York City
Identical pay, identical job, but living in one of the five boroughs. Everything above stays the same and city income tax adds $87.02 a paycheck. Take-home falls to $2,135.44, 74.0% of gross. Across the year the city takes $2,262.52 and the state $3,453.40 — the city bill is roughly two thirds the size of the state one, which is why a state-level estimate is badly wrong for a city resident.
Example 3: When the employer pays both premiums
Same $75,000 outside the city, but the employer covers both Paid Family Leave and disability, as the law permits. The two deduction lines disappear and take-home rises to $2,236.12 — $13.66 more a paycheck, $355 a year. Small, but it is the difference between this calculator matching your stub and not.
Key Concepts
Graduated brackets, run in full: New York's rates climb from 3.9% to 10.9% across nine brackets, and each filing status has its own schedule. This calculator walks the real 2026 schedule rather than applying one average rate, so the answer stays accurate whether you earn $40,000 or $400,000.
The recapture above $107,650: Past that point New York takes back the benefit of its lower brackets, phased in over $50,000 of income. It is the reason the effective rate climbs faster than the bracket table alone suggests, and by around $300,000 a single filer is paying close to a flat 6.85% on everything.
New York City adds its own tax: If you live in NYC, you owe city income tax on top of state tax, run from its own four brackets and reduced by the school tax credit. Pick New York City in the calculator so that line is included, otherwise the number will read higher than your real paycheck.
Federal tax still applies the same way: Federal brackets and FICA work identically to any other state. Only the state (and, for NYC, city) tax lines change based on where you live and work.
Useful for comparing job offers: If you're weighing a New York offer against one in Texas or Florida, run both through a paycheck calculator first. The gap in take-home pay is usually bigger than the gap in gross salary, especially once NYC tax is factored in.
Common Mistakes
Forgetting to select New York City: The calculator defaults to the outside-the-city option, so city residents who skip the dropdown will see a number that is roughly $94 a paycheck too generous on an $80,000 salary.
Applying the city's top rate to gross pay: A common shortcut, and it overstates city tax by $500 to $1,500 a year depending on income and filing status. The city taxes taxable income, not gross, its lower brackets do real work, and the school tax credit takes a further bite out of the result.
Using a bracket table on its own above $107,650: Reading your rate straight off New York's bracket table understates the bill once the benefit recapture applies. That is a six-figure problem, and it is where most quick calculators go wrong.
Comparing gross salaries across states: A $90,000 offer in New York and a $90,000 offer in Texas don't translate to the same take-home pay. Always compare net pay, not gross.
Ignoring pre-tax deductions: 401(k) contributions and health insurance premiums lower your taxable income before both federal and state tax are applied, so leaving them out understates your real take-home pay.
Frequently Asked Questions
This calculator runs New York's real 2026 tax schedule rather than a single average rate. The brackets start at 3.9% and reach 10.9%, and the calculator subtracts the state standard deduction first: $8,000 filing single, $16,050 filing jointly, $11,200 as head of household. On an $80,000 salary filing single that works out to about $3,723 of state tax for the year, an effective rate near 5.2%.
Federal income tax, New York state income tax, Social Security (6.2% up to the annual wage base) and Medicare (1.45%, plus 0.9% more for high earners). New York also withholds two small worker contributions: Paid Family Leave at 0.432% of wages, capped at $411.91 a year, and disability at 0.5% capped at 60 cents a week, so $31.20 a year. New York City residents owe city income tax on top of all of it.
Once your New York AGI passes $107,650, the state starts taking back the benefit you got from its lower brackets, so more of your income ends up taxed at your top rate. It phases in over the next $50,000 of income rather than landing all at once. On a $140,000 salary filing single it adds roughly $367 a year over what the brackets alone would produce. This calculator applies it, which is why its numbers can sit above simpler bracket calculators at higher salaries.
Yes, if you select New York City in the locality dropdown. The calculator runs the city's four real brackets, from 3.078% to 3.876%, and subtracts the New York City school tax credit that almost every resident gets. On an $80,000 salary filing single that comes to $2,445 for the year, an effective 3.06%, not the 3.876% a top-rate calculation would give you. Yonkers is not in the list because it charges a surcharge on your state tax rather than a rate on your wages, so enter your own rate for that.
New York charges state income tax (and New York City adds its own local tax) on top of federal tax and FICA, while Texas and Florida don't tax wages at the state level. A worker earning the same salary keeps less of their gross pay in New York than in a no-tax state.
Yes, switch between the Hourly and Salary tabs and enter your wage or annual salary along with your pay frequency. The state is already set to New York.
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Compare Take-Home Pay by State
Put New York City against New Jersey on the same salary, city tax included.
Comparing New York with somewhere else?
The state comparison tool is the only one here that includes city income tax, which is exactly what a New York comparison turns on — a Manhattan offer and an upstate offer at the same salary are $87.02 a paycheck apart before you compare anything else. If a bonus is part of the package, New York withholds supplemental wages at its own rate: see the bonus calculator.
Sources and assumptions
- Paid Family Leave 2026: NY Workers’ Compensation Board — 0.432% of wages, annual maximum $411.91. Verified 6 September 2026. The body copy on paidfamilyleave.ny.gov still showed 2025 figures on that date, so the Board’s announcement is the source used here.
- Statutory disability: NY WCB, Disability Benefits — 0.5% of wages capped at 60 cents a week, and an employer “is allowed, but not required, to take a contribution from you” (WCL §209).
- New York City rates: Form IT-2105-I (2026), the city’s four brackets per filing status and the school tax credit.
- Assumptions: wages only; a default W-4 unless you enter otherwise; both statutory premiums charged to the employee unless you switch them off; Yonkers requires you to enter your own rate, because it is a surcharge on state tax and is set locally.