New York Paycheck Calculator
Estimate your 2026 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
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, 2026)
| 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 2026 (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
Your gross pay is your annual salary divided by the number of pay periods. Federal income tax, New York state income tax (4%–10.9%), Social Security (6.2%), Medicare (1.45%), NY Paid Family Leave (0.373%), and NY SDI are withheld each period. NYC residents also pay a local income tax of 3.078%–3.876%.
New York has a progressive tax ranging from 4% on the first $17,150 to 10.9% on income over $25,000,000 for single filers. There are nine brackets in total. The standard deduction for single filers is $8,000 and $16,050 for married filing jointly.
Yes. NYC residents pay a city income tax ranging from 3.078% to 3.876% in addition to state tax. This calculator includes an optional NYC local tax checkbox — check it if you live and work within New York City.
NY PFL is a mandatory payroll deduction of 0.373% (2026) on wages up to $89,343. It funds paid leave for bonding with a new child, caring for a family member with a serious health condition, or qualifying military exigencies.
NY SDI is a mandatory deduction of 0.5% of your wages, capped at $0.60 per week ($31.20/year based on a $13,000 annual wage cap). It funds short-term disability benefits for non-work-related illnesses or injuries.
Yes. Traditional 401(k), HSA, and FSA contributions reduce your federal and New York state taxable income. Enter them as Pre-Tax Deductions per pay period in the calculator.
FICA taxes fund Social Security and Medicare. Employees pay 6.2% for Social Security (capped at $168,600 in wages) and 1.45% for Medicare. An additional 0.9% Medicare surtax applies on wages over $200,000.