New York Paycheck Calculator

Estimate your 2025 New York take-home pay after state income tax (4%–10.9%), NYC local tax, PFL, SDI, federal income tax, and FICA.

Enter Your Details

Annual Salary ($)

Pay Frequency

Federal Filing Status

NYC Local Tax

Overtime Hours (per period)

Overtime Rate ($/hr)

Pre-Tax Deductions ($/period) 401k, HSA, FSA

Additional Withholding ($/period)

Estimated Net Pay

$0.00

per pay period

Item	Per Period	Annual
Enter your details and click Calculate Paycheck to see your breakdown.

* Estimates only. Actual withholding may vary based on W-4 elections, additional income, credits, and local taxes. Consult a tax professional for advice.

About the New York Paycheck Calculator

The New York Paycheck Calculator estimates your take-home pay after all mandatory federal, state, and local deductions. New York is one of the higher-tax states in the US, with nine progressive income tax brackets ranging from 4% to 10.9%.

In addition to state tax, New York City residents pay a local income tax between 3.078% and 3.876%. If you work and live in NYC, check the NYC Local Tax box to see its impact on your net pay.

New York also mandates Paid Family Leave (PFL) and State Disability Insurance (SDI) deductions from every paycheck. These are automatically included in the calculation.

New York Tax Information 2025

New York State Income Tax Brackets (Single Filer, 2025)

Taxable Income	Tax Rate
$0 – $17,150	4.00%
$17,151 – $23,600	4.50%
$23,601 – $27,900	5.25%
$27,901 – $161,550	5.85%
$161,551 – $323,200	6.25%
$323,201 – $2,155,350	6.85%
$2,155,351 – $5,000,000	9.65%
$5,000,001 – $25,000,000	10.30%
Over $25,000,000	10.90%

Federal Income Tax Brackets 2025 (Single Filer)

Taxable Income	Tax Rate
$0 – $11,925	10%
$11,926 – $48,475	12%
$48,476 – $103,350	22%
$103,351 – $197,300	24%
$197,301 – $250,525	32%
$250,526 – $626,350	35%
Over $626,350	37%

Payroll Taxes at a Glance

Tax	Rate	Wage Base
Social Security (FICA)	6.2%	$168,600
Medicare (FICA)	1.45%	No limit
Additional Medicare	0.9%	Over $200,000
NY Paid Family Leave	0.373%	$89,343
NY Disability Insurance	0.5%	$13,000
NYC Local Tax (optional)	3.078% – 3.876%	No limit

How to Use This Calculator

Enter your Annual Salary — your total gross compensation before deductions.
Select Pay Frequency — weekly, biweekly, semi-monthly, or monthly.
Choose Filing Status — Single, Married Filing Jointly, or Head of Household.
Check Local Tax — tick the box if you live and work in NYC.
Add Overtime — hours per period and your overtime hourly rate if applicable.
Enter Pre-Tax Deductions — 401(k), HSA, or FSA contributions per pay period.
Click Calculate — your net pay and full breakdown appear instantly.

Frequently Asked Questions

How is my paycheck calculated in New York?

What are New York state income tax rates for 2025?

Does New York City have a separate income tax?

What is New York Paid Family Leave (PFL)?

What is NY State Disability Insurance (SDI)?

Are pre-tax deductions like 401(k) deducted before NY state tax?

What is FICA?