Updated for 2026 paychecks · NYS, NYC and Yonkers
New York Paycheck Calculator 2026: State and NYC Take-Home Pay
This New York paycheck calculator shows your 2026 take-home pay after federal tax, New York State tax, New York City or Yonkers tax, SDI and Paid Family Leave. Enter your salary or hourly wage and your IT-2104 choices, and see each deduction per paycheck and per year.
New York has some of the most layered paychecks in the country. So the same salary can leave very different take-home pay in Albany, Buffalo and Brooklyn.
- NYS-50-T withholding tables (2026)
- NYC and Yonkers local tax built in
- SDI and 0.432% Paid Family Leave
- Free, private, no sign-up
2026Federal + all 50 states + DC
Enter your pay and choose NYC or Yonkers if you live there. Your 2026 New York take-home pay updates as you type.
Example take-home pay
$1,823.99 every two weeks
On a $60,000 salary in New York (single filer): $47,424 a year after federal income tax, Social Security, Medicare and state taxes.
Estimates for paychecks paid in 2026 using each agency’s published withholding method. Your employer’s payroll may differ by a few cents through rounding or plan details. This is not tax, legal or financial advice.
Last updated October 21, 2026 · Data: 2026 tax rules in force October 2026 (data 2026.10.2) · By Hamza Akram · How we calculate
How to Use the New York Paycheck Calculator
Quick answer
Enter your salary or hourly wage, pick your pay schedule and set your federal W-4. Then add your Form IT-2104 filing status and allowances, and choose New York City or Yonkers if you live there. The New York paycheck calculator shows every tax and your net pay instantly.
Enter your pay.
Salary, or hourly with overtime. Add tips or commissions per paycheck if you have them.
Set your pay schedule.
Weekly, biweekly, semimonthly or monthly.
Copy your W-4.
Federal filing status, the Step 2 box and Step 3 credits.
Copy your IT-2104.
New York uses its own form, with a filing status and a number of allowances.
Choose your local tax.
Select New York City resident, Yonkers resident or Yonkers nonresident. Leave it blank elsewhere.
Without an IT-2104, your employer withholds as if you are single with zero allowances. That matches the starting settings of this New York paycheck calculator, so change them only if your form says otherwise.
New York State Income Tax Rate 2026
Quick answer
New York State taxes income at rates from 3.9% to 10.9% in 2026, after a cut to the five lowest brackets. Employers withhold using the NYS-50-T tables, which start at 3.9% and add a "recapture" at higher incomes. Bonuses and other supplemental pay are withheld at a flat 11.70%.
| Annual taxable wages | Rate on the excess | Tax on lower amount |
|---|---|---|
| $0 – $8,500 | 3.9% | $0 |
| $8,500 – $11,700 | 4.4% | $332 |
| $11,700 – $13,900 | 5.15% | $472 |
| $13,900 – $80,650 | 5.4% | $586 |
| $80,650 – $96,800 | 5.9% | $4,190 |
| $96,800 – $107,650 | 7.03% | $5,143 |
| $107,650 – $157,650 | 7.53% | $5,906 |
| $157,650 – $215,400 | 6.4% | $9,673 |
| $215,400 – $265,400 | 11.44% | $13,369 |
| $265,400 – $1,077,550 | 7.35% | $19,091 |
Source: NYS-50-T-NYS (1/26). Some middle rates look odd because the tables phase out the benefit of the lower brackets as income rises. Above $1,077,550, flat rates of 10.45% to 11.70% apply to all wages.
How New York withholding works
First, payroll annualizes your wages. Next, it subtracts a deduction of $7,400 (single or head of household) or $7,950 (married), plus $1,000 for each IT-2104 allowance. Then the table above gives the yearly tax, which is split across your paychecks.
New York Paycheck Example: $60,000 Salary
Quick answer
Outside New York City, a single worker earning $60,000 and paid every two weeks takes home $1,823.99 per paycheck in 2026, or $47,424 a year. New York State tax is $102.92 per check. SDI adds $1.20 and Paid Family Leave adds $9.97.
Biweekly pay stub: $60,000 salary in New York (2026)
Earnings
- Gross pay$60,000 ÷ 26 paychecks
- $2,307.69
Taxes
- Federal income taxIRS percentage method, single, standard W-4
- −$193.08
- Social Security6.2%
- −$143.08
- Medicare1.45%
- −$33.46
- New York income taxNYS-50-T, single, 0 allowances
- −$102.92
- NY disability0.5%, max $0.60 a week
- −$1.20
- NY Paid Family Leave0.432%
- −$9.97
- Net pay
- $1,823.99
Worked exampleHow the New York paycheck calculator gets there
Gross pay: $60,000 ÷ 26 = $2,307.69 per paycheck.
- Federal income tax: $193.08 (IRS percentage method, single).
- Social Security $143.08 and Medicare $33.46.
- New York State tax: $60,000 − $7,400 = $52,600. Then $586 + 5.4% × ($52,600 − $13,900) = $2,675.80 a year, or $102.92 per check.
- SDI: 0.5% of wages, capped at $0.60 a week, so $1.20 every two weeks.
- Paid Family Leave: 0.432% × $2,307.69 = $9.97.
Take-home pay: $1,823.99 per paycheck.
NYC Paycheck Calculator: New York City Income Tax
Quick answer
New York City residents pay city income tax on top of state tax, at rates from 3.078% to 3.876%. On a $75,000 salary, NYC tax takes $102.34 per biweekly paycheck. As a result, take-home pay drops from $2,221.21 to $2,118.87 per check, about $2,661 less a year.
Only residents of the five boroughs pay this tax. If you live in New Jersey, Long Island or Westchester and commute into Manhattan, no NYC tax comes out of your pay. New York State tax still applies to your wages, though.
| Item | Outside NYC | NYC resident |
|---|---|---|
| Gross pay | $2,884.62 | $2,884.62 |
| Federal income tax | −$295.00 | −$295.00 |
| Social Security and Medicare | −$220.68 | −$220.68 |
| New York State tax | −$134.07 | −$134.07 |
| New York City tax | $0.00 | −$102.34 |
| SDI and Paid Family Leave | −$13.66 | −$13.66 |
| Take-home pay | $2,221.21 | $2,118.87 |
Yonkers income tax
Yonkers residents pay a surcharge equal to 16.75% of their New York State tax. On $60,000, that adds about $448 a year. People who work in Yonkers but live elsewhere pay 0.5% of wages instead.
New York SDI and Paid Family Leave in 2026
Quick answer
New York takes two small insurance deductions. Disability insurance (SDI) is 0.5% of wages, up to $0.60 a week. Paid Family Leave is 0.432% of wages in 2026, up to $411.91 a year. Together they cost a $60,000 earner about $290 a year.
Paid Family Leave lets you take up to 12 weeks off to bond with a new child, care for a seriously ill relative or help when a family member is deployed. In 2026 it pays 67% of your average weekly wage, up to $1,228.53 a week.
New York Salary Calculator: Take-Home Pay by Income
Quick answer
Outside New York City, a single worker keeps about $39,972 of a $50,000 salary, $57,752 of $75,000 and $73,842 of $100,000 in 2026. Inside the city, NYC tax takes roughly another 3% to 3.7% of gross pay at these incomes.
| Salary | Federal income tax | New York income tax | Social Security + Medicare | Take-home pay per year | Per paycheck |
|---|---|---|---|---|---|
| $30,000 | $1,420 | $1,056 | $2,295 | $25,068 | $964.17 |
| $40,000 | $2,620 | $1,596 | $3,060 | $32,520 | $1,250.78 |
| $50,000 | $3,820 | $2,136 | $3,825 | $39,972 | $1,537.38 |
| $60,000 | $5,020 | $2,676 | $4,590 | $47,424 | $1,823.99 |
| $75,000 | $7,670 | $3,486 | $5,738 | $57,752 | $2,221.21 |
| $100,000 | $13,170 | $4,895 | $7,650 | $73,842 | $2,840.07 |
| $150,000 | $24,734 | $8,538 | $11,475 | $104,810 | $4,031.16 |
| $200,000 | $36,734 | $11,910 | $14,339 | $136,574 | $5,252.85 |
New York Hourly Paycheck Calculator
Quick answer
At $20 an hour for 40 hours, a single worker outside NYC takes home $648.32 a week in 2026. Five overtime hours raise that to $760.09. The 2026 minimum wage is $17.00 in New York City, Long Island and Westchester, and $16.00 in the rest of the state.
| Item | 40 hours | 45 hours (5 overtime) |
|---|---|---|
| Gross pay | $800.00 | $950.00 |
| Federal income tax | −$54.08 | −$72.08 |
| Social Security and Medicare | −$61.20 | −$72.68 |
| New York income tax | −$32.35 | −$40.45 |
| NY disability | −$0.60 | −$0.60 |
| NY Paid Family Leave | −$3.46 | −$4.10 |
| Take-home pay | $648.32 | $760.09 |
New York Bonus Tax Rate
Quick answer
New York withholds a flat 11.70% on bonuses and other supplemental pay. NYC residents add 4.25%, and Yonkers residents add 1.95975%. With 22% federal withholding and FICA, a $5,000 bonus outside NYC leaves about $2,910.90. However, that is only withholding, so your real tax is settled when you file your return.
Because 11.70% is far above most people’s actual New York rate, bonuses often lead to a state refund. To see the effect on a regular check instead, add the bonus as extra pay in the New York paycheck calculator.
Federal Taxes on Every New York Paycheck
Quick answer
Every New York paycheck also pays federal income tax, Social Security and Medicare. Federal income tax depends on your W-4 and the 2026 IRS tables. Social Security is 6.2% of wages up to $184,500 in 2026, and Medicare is 1.45% of all wages, plus 0.9% over $200,000.
| Tax rate | Single | Married filing jointly |
|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 |
| 12% | $12,401 – $50,400 | $24,801 – $100,800 |
| 22% | $50,401 – $105,700 | $100,801 – $211,400 |
| 24% | $105,701 – $201,775 | $211,401 – $403,550 |
| 32% | $201,776 – $256,225 | $403,551 – $512,450 |
| 35% | $256,226 – $640,600 | $512,451 – $768,700 |
| 37% | Over $640,600 | Over $768,700 |
Source: IRS Revenue Procedure 2025-32. The 2026 standard deduction is $16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household.
New York vs. Other States
Quick answer
New York has the lowest take-home pay of the ten largest states at $60,000, even before NYC tax. A single worker keeps $47,424 in New York State, compared with $48,506 in Pennsylvania and $50,390 in Florida. So moving from New York to Florida is worth roughly $3,000 a year at this income.
How to Raise Your New York Take-Home Pay
Quick answer
Pre-tax benefits shrink your taxable pay. On a $75,000 New York salary, a 6% 401(k) puts $173.08 a paycheck into savings, yet take-home pay falls by only $125.65. New York lets 401(k) deferrals lower state and city tax too, so the saving is larger than in no-tax states.
- Contribute to a 401(k), 403(b) or 457(b), up to $24,500 in 2026.
- Update your IT-2104 when you marry, have a child or move in or out of NYC.
- Use commuter benefits for transit costs; they come out before tax.
- Check your withholding once a year with the IRS Tax Withholding Estimator.
Why Your New York Pay Stub May Differ
The New York paycheck calculator follows the NYS-50-T tables. Still, your stub may differ for these reasons:
- A different IT-2104, or a move in or out of New York City during the year.
- Work in more than one state, which can trigger other states’ tax.
- Health, dental or vision premiums and other benefits taken before tax.
- Extra withholding you asked for on your federal W-4 or state form.
- Garnishments, union dues or other after-tax deductions.
- High year-to-date wages, after which Social Security stops for the year.
See how we calculate for every formula, or contact us.
New York Paycheck Calculator FAQ
How much tax is taken out of a paycheck in New York?
For a single $60,000 earner outside NYC, about 21% of each check goes to federal tax, FICA, New York State tax, SDI and Paid Family Leave. NYC residents pay roughly 3% more.
What is the New York State income tax rate for 2026?
From 3.9% to 10.9%, depending on taxable income. The five lowest rates were cut by 0.1 point for 2026.
What is $100,000 after taxes in New York?
About $73,842 a year outside New York City for a single filer in 2026, or $2,840.07 per biweekly paycheck.
How much is NYC income tax?
New York City residents pay 3.078% to 3.876% of taxable income. On a $75,000 salary, that is about $2,661 a year through payroll.
Do I pay NYC tax if I work in Manhattan but live in New Jersey?
No. Only NYC residents pay city income tax. You still pay New York State tax on wages earned in New York.
What is the New York Paid Family Leave rate for 2026?
0.432% of wages, up to a maximum of $411.91 for the year.
What is $20 an hour after taxes in New York?
About $648.32 a week for 40 hours outside NYC, or roughly $33,712 a year, for a single filer.
Estimates, not tax advice
This New York paycheck calculator gives estimates based on 2026 New York State, New York City and IRS rules. It is not tax, legal or financial advice. Your employer’s payroll settings decide what is actually withheld.
Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding MethodsInternal Revenue Service Official
- Contribution and Benefit Base (2026 Social Security wage base)Social Security Administration Official
- Tax Withholding EstimatorInternal Revenue Service Official
- Withholding tax rates and tables (NYS-50-T)New York State Department of Taxation and Finance Official
- Employee’s Withholding Allowance Certificate (IT-2104)New York State Department of Taxation and Finance Official
- New York Paid Family Leave Updates for 2026New York State Official
- Minimum WageNew York State Department of Labor Official
Run your New York paycheck
Now you know how state tax, NYC tax, SDI and Paid Family Leave fit together. Use the New York paycheck calculator above with your own numbers.