New York Paycheck Calculator
Estimate your New York take-home pay after federal tax, FICA, and New York state income tax. Enter your gross pay, filing status, and pre-tax deductions to see your net pay per paycheck.
2026 state brackets and standard deduction verified against Tax Foundation 2026 data. NYC/Yonkers local rates are approximate; NY SDI/PFL employee rates from paidfamilyleave.ny.gov (2026).
- Take-home$51,182.50 · 78.74%
- Federal tax$5,620.00 · 8.65%
- Social Security + Medicare$4,972.50 · 7.65%
- New York tax$2,913.00 · 4.48%
- NY SDI$31.20 · 0.05%
- NY PFL$280.80 · 0.43%
| Item | Per bi-week | % of gross |
|---|---|---|
| Gross pay | $2,500.00 | 100% |
| Federal withholding | $216.15 | 8.65% |
| Social Security | $155.00 | 6.20% |
| Medicare | $36.25 | 1.45% |
| New York income tax | $112.04 | 4.48% |
| NY SDI | $1.20 | 0.05% |
| NY PFL | $10.80 | 0.43% |
| Take-home pay | $1,968.56 | 78.74% |
Living on a paycheck in New York
New York's graduated income tax climbs from 3.9% to 10.9% at the very top, and that is before local taxes: New York City and Yonkers residents pay an additional city income tax withheld right from their paychecks. For NYC workers, the combined state-and-city bite is among the highest in the nation.
Because the local layer matters so much, your take-home in Manhattan looks very different from upstate. The calculator above lets you include NYC or Yonkers tax to see your real number.
How New York taxes are withheld
A New York paycheck has federal income tax, Social Security (6.2%), and Medicare (1.45%) withheld, plus graduated state income tax from 3.9% to 10.9% and a standard deduction. New York City and Yonkers residents also pay a local income tax through payroll.
Most New York workers additionally contribute small premiums for State Disability Insurance (SDI) and Paid Family Leave (PFL), which trim take-home and appear in the estimate above.
What shapes your take-home in New York
For New York City residents, the state and city taxes stack, pushing effective rates well into the high single digits even at middle incomes. As a rough illustration, a single filer earning $75,000 might owe around $4,000 in state tax, with a NYC resident adding roughly $2,500 more in city tax for the year. Your exact figure, including your city, is shown above.
Getting the most from each paycheck in New York
Because state and city taxes stack in New York City, pre-tax 401(k) and HSA contributions are especially powerful — they reduce federal, state, and city taxable wages together. If you live near the city line, the NYC resident tax is worth weighing against where you work.
How New York taxes your paycheck
New York has progressive state income tax rates ranging from 3.9% to 10.9%. Use the calculator above to estimate your take-home pay after all withholdings.
Every US paycheck also has federal income tax, Social Security (6.2% up to the annual wage base), and Medicare (1.45%, plus 0.9% on high earners) withheld. Your taxable income is your gross pay minus pre-tax deductions such as 401(k) and pre-tax health premiums.
New York City and Yonkers residents pay a local income tax on top of the state rate. Select your city above to include it in the estimate.
Frequently Asked Questions
How much is taken out of a paycheck in New York?
New York paychecks have federal income tax, Social Security (6.2%), and Medicare (1.45%) withheld, plus progressive (up to 10.9%) state income tax, plus NY SDI and NY PFL, and a local income tax in some cities. The exact amount depends on your pay, filing status, and pre-tax deductions.
Does New York have a state income tax?
Yes. New York levies progressive (up to 10.9%) state income tax in addition to federal taxes.
How is this take-home estimate calculated?
It applies 2026 estimated federal brackets, FICA rates, state income-tax rates, local taxes where configured, and employee payroll-program rates to your annual pay minus pre-tax deductions, then divides by your pay frequency. It is a simplified estimate, not official payroll withholding.