How to use the New York paycheck calculator
- 1 Enter your pay and choose whether it is a yearly salary or an hourly wage (with hours a week).
- 2 Choose how often you are paid and your filing status.
- 3 Enter your children under 17 and your 401(k) contribution. Choose where you live: New York State, New York City or Yonkers.
- 4 Read your take-home pay per paycheck and every deduction.
Worked example
A single New York worker outside NYC earning $60,000 a year, paid every two weeks, with 5% to a 401(k). From each $2,307.69 check: $115.38 of 401(k), $179.23 of federal tax, $176.54 of Social Security and Medicare, $95.42 of New York State tax, $1.20 of SDI and $9.97 of Paid Family Leave. Take-home pay is $1,729.95. A New York City resident pays $68.27 more city tax, for $1,661.68.
Getting more from a New York paycheck
- Check your pay stub against the calculator once a year.
- Raise your 401(k) to cut federal and state tax.
- Update your W-4 after marriage, a child or a raise.
- Choose NYC or Yonkers if you live there: city tax adds a lot.
Compare with the New Jersey Paycheck Calculator, convert hourly pay with the Hourly to Salary Calculator and check bonus withholding with the Bonus Tax Calculator.
Features
NYC and Yonkers
City resident tax for New York City and the Yonkers surcharge.
2026 state brackets
Rates from 3.9% to 10.9%, with the 2026 cut.
SDI and PFL
Disability insurance and Paid Family Leave deductions.
When to use it
NYC job offers
See what a Manhattan salary really pays after city tax. Convert hourly pay with the Hourly to Salary Calculator.
Moving to or from New York
Compare with the New Jersey Paycheck Calculator or the Florida Paycheck Calculator.
Bonuses
Check bonus withholding with the Bonus Tax Calculator.
Withholding check
Avoid a bill in April with the W-4 Withholding Calculator.
Related Pay and Salary tasks
Frequently asked questions
How much is taken out of a paycheck in New York?
On a $60,000 salary paid every two weeks with 5% to a 401(k), about $179 of federal tax, $176 of Social Security and Medicare, $95 of state tax, $1.20 of SDI and $10 of Paid Family Leave come out of each check. New York City residents pay about $68 more in city tax.
What are the New York tax brackets for 2026?
For single filers: 3.9% up to $8,500, 4.4% to $11,700, 5.15% to $13,900, 5.4% to $80,650, 5.9% to $215,400, 6.85% to $1,077,550, then 9.65%, 10.3% and 10.9% at higher incomes. Joint filers' brackets are about double.
What is the New York standard deduction?
$8,000 for single filers, $16,050 for married couples filing jointly and $11,200 for heads of household, plus a $1,000 exemption for each dependent.
How much is the New York City income tax?
NYC residents pay 3.078% to 3.876% of New York taxable income, reaching the top rate at $50,000 for single filers and $90,000 for joint filers. People who work in NYC but live elsewhere do not pay it.
What is the Yonkers income tax?
Yonkers residents pay a surcharge of 16.75% of their New York State tax. Nonresidents who work in Yonkers pay a small tax on wages earned there.
What is SDI on my New York pay stub?
New York State disability insurance: employees pay 0.5% of wages, up to $0.60 a week ($31.20 a year).
How much is New York Paid Family Leave?
0.432% of gross wages in 2026, up to a maximum of $411.91 a year. It funds up to 12 weeks of paid leave to bond with a child or care for a family member.
Do I pay New York tax if I work in New York but live in New Jersey?
Yes. You pay New York tax on wages earned in New York and claim a credit on your New Jersey return for tax paid to New York.
What is the New York minimum wage in 2026?
$17.00 an hour in New York City, Long Island and Westchester, and $16.00 in the rest of the state.
Is this exact for high earners?
Above $107,650 of income, New York gradually takes back the benefit of the lower brackets (recapture). The calculator does not include that, so very high earners may pay slightly more.
Do 401(k) contributions lower New York tax?
Yes. Traditional 401(k) contributions reduce both federal and New York taxable wages. They do not reduce Social Security, Medicare, SDI or Paid Family Leave.
Results are estimates based on the official rates linked above. Confirm important figures with the issuing authority or a qualified adviser before you act on them.
Built and reviewed by Hamza Farooq, founder and lead developer
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