New York Paycheck Calculator

Updated for 2026 tax year · figures checked on November 3, 2026

New York withholds state income tax at graduated rates starting at 3.9%, New York City residents pay city income tax on top, and most workers also pay 0.432% for Paid Family Leave. This New York paycheck calculator, also an NYC paycheck and take-home pay calculator, shows all of them next to federal income tax, Social Security and Medicare.

A single filer on a $60,000 salary outside New York City, paid every two weeks with no IT-2104 allowances, has a $2,307.69 paycheck and takes home about $1,824.00, or $47,424 a year.

Take-home pay per bi-weekly paycheck

$1,824.00

$47,424.00 a year from $59,999.94 gross pay (26 paychecks)

Take-home 79.0%
Federal income tax 8.4%
Social Security 6.2%
Medicare 1.4%
State income tax 4.5%
New York Paid Family Leave 0.4%
New York disability benefits (DBL) 0.1%

Paycheck breakdown per paycheck and per year in New York
Item	Per paycheck	Per year
Gross pay	$2,307.69	$59,999.94
Federal income tax	−$193.08	−$5,020.08
Social Security	−$143.08	−$3,720.08
Medicare	−$33.46	−$869.96
State income tax	−$102.90	−$2,675.40
New York Paid Family Leave	−$9.97	−$259.22
New York disability benefits (DBL)	−$1.20	−$31.20
Take-home pay	$1,824.00	$47,424.00

How we calculated this

Estimates for informational purposes only, based on 2026 withholding rules. Your actual paycheck may differ. This is not tax advice. Report an issue

New York salary calculator: what your result means

Your result is take-home pay after federal taxes, New York State income tax, Paid Family Leave and disability insurance. In the $60,000 example, federal income tax is about 8.4% of gross pay, Social Security and Medicare 7.7%, and New York taxes and programs 4.9%.

If you live in New York City or Yonkers, choose it under More options to add city tax. Enter the allowances from your IT-2104 there too; the calculator uses zero by default.

At $100,000 a year, take-home pay is about $2,839.30 every two weeks, or $73,842 a year before any city tax. A $40,000 salary paid weekly comes to about $625.38 per paycheck.

How New York taxes your paycheck

New York withholding at a glance
State income tax on wages	Graduated rates (see below)
New York Paid Family Leave	0.432% employee rate
New York disability benefits (DBL)	0.5% employee rate

Source: New York State Department of Taxation and Finance, NYS-50-T-NYS (1/26) New York State Withholding Tax Tables and Methods (effective January 1, 2026)

New York withholding rates, single and head of household schedule

over $03.9%
over $8,5004.4%
over $11,7005.15%
over $13,9005.4%
over $80,6505.9%
over $96,8007.03%
over $107,6507.53%
over $157,6506.4%
over $215,40011.44%
over $265,4007.35%

New York withholding rates by taxable wages
Schedule	Taxable wages over	Rate
Single and head of household	$0	3.9%
	$8,500	4.4%
	$11,700	5.15%
	$13,900	5.4%
	$80,650	5.9%
	$96,800	7.03%
	$107,650	7.53%
	$157,650	6.4%
	$215,400	11.44%
	$265,400	7.35%

Source: New York State Department of Taxation and Finance, NYS-50-T-NYS (1/26) New York State Withholding Tax Tables and Methods (effective January 1, 2026)

Thresholds are yearly wages after a $7,400 allowance for single filers ($7,950 married) and $1,000 per IT-2104 allowance. The withholding tables include steps that recapture the benefit of lower rates, so some rows look higher than the next.

Employers subtract an allowance for your filing status, $7,400 a year for single filers and $7,950 for married filers, plus $1,000 for each IT-2104 allowance, and then use New York's exact-calculation tables for the pay period. The tables build in the state's rate recapture. Above $1,077,550 of yearly net wages for single filers, a top-rate method applies instead.

New York follows federal rules for most pre-tax deductions: 401(k), Section 125 health insurance and dependent care aren't withheld on. Bonuses paid separately can be withheld at a flat 11.70% for state tax.

Paid Family Leave and disability insurance

In 2026 employees pay 0.432% of gross wages for Paid Family Leave each pay period, up to $411.91 a year. Employers may also collect half of one percent of wages for disability benefits (DBL), but no more than 60 cents a week; the calculator shows the most they can collect.

Things to know about New York paychecks

NYC tax follows where you live. New York City residents have city tax withheld on all wages, even for work done outside the city. (Source: New York State Department of Taxation and Finance, NYS-50 Employer's Guide to Unemployment Insurance, Wage Reporting, and Withholding Tax)
Manual workers are paid weekly. Manual workers must generally be paid every week, within seven days after the week ends. (Source: New York Labor Law § 191, Frequency of payments)
Paid Family Leave has a yearly cap. Employees stop contributing once they've paid $411.91 for the year. (Source: New York Paid Family Leave, 2026 Updates (employee contribution 0.432%, annual maximum $411.91, NYSAWW $1,833.63))

NYC paycheck calculator

New York City taxes the wages of everyone who lives in the five boroughs (Manhattan, Brooklyn, the Bronx, Queens and Staten Island), wherever they work. People who commute into the city from elsewhere don't pay it. To use this as an NYC paycheck calculator, choose New York City resident under More options.

NYC withholding starts at 2.05% and reaches 4.25% on yearly net wages above $60,000, after an allowance of $5,000 for single filers plus the same per-allowance amount as state tax. Bonuses paid separately can be withheld at a flat 4.25% for city tax.

Yonkers works differently: residents pay a surcharge of 16.75% of their New York State withholding, and nonresidents who work in Yonkers pay 0.50% of wages after a small exclusion.

Federal taxes on every paycheck

Every US paycheck has the same three federal deductions, whichever state you work in. Together, Social Security and Medicare are called FICA (Federal Insurance Contributions Act) taxes.

Federal income tax withholding. Withholding is tax your employer takes out of each paycheck and sends to the IRS on your behalf. The amount depends on your pay and your Form W-4, using the IRS method in Publication 15-T. It is an estimate of your yearly tax; you settle the difference when you file your return.
Social Security. 6.2% of your wages, up to the wage base of $184,500 for the year. The wage base is the most pay that Social Security tax applies to.
Medicare. 1.45% of all your wages, with no limit. Once your pay from one employer passes $200,000 in a year, your employer also withholds an extra 0.9% Additional Medicare Tax on the amount above it.

Source: IRS Publication 15 (2026), (Circular E), Employer's Tax Guide.

Ways to change your paycheck

To change New York withholding, give your employer a new Form IT-2104. It sets your filing status and allowances for state, New York City and Yonkers tax, and you can ask for extra withholding for each.

Update your Form W-4. Claiming dependents, checking the Step 2 box or asking for extra withholding changes how much federal tax comes out of each paycheck. The IRS Tax Withholding Estimator can help you fill it in.
Pre-tax deductions. Money you put into a traditional 401(k), an HSA or employer health insurance comes out before federal income tax, so your take-home pay drops by less than the amount you save.
Bonuses. Employers often withhold federal tax on a bonus paid separately at a flat rate. Add a bonus under More options to see it.

New York payroll rules

Minimum wage: $17.00 an hour in New York City, Long Island and Westchester County, and $16.00 in the rest of the state. Both stay the same on January 1, 2027. (Source: New York State Department of Labor, Minimum Wage (2027 rates unchanged))
Overtime: Time-and-a-half after 40 hours in a workweek; live-in residential workers after 44 hours. (Source: US Department of Labor, State Minimum Wage Laws (updated July 1, 2026))
How often you must be paid: Manual workers must be paid weekly, within seven days after the week ends, unless the state approves otherwise; clerical and other workers at least twice a month. (Source: New York Labor Law § 191, Frequency of payments)
Final paycheck: When employment ends, final wages are due by the regular payday for the pay period in which it ended. (Source: New York Labor Law § 191, Frequency of payments)

For employers in New York

State unemployment tax: Employers pay unemployment tax on the first $17,600 of each employee's wages, with new employers at 4.025%. (Source: US Department of Labor, Significant Provisions of State Unemployment Insurance Laws, January 2026)
New hire reporting: Employers must report new hires within 20 calendar days. (Source: New York State Department of Taxation and Finance, NYS-50 Employer's Guide to Unemployment Insurance, Wage Reporting, and Withholding Tax)
State income tax withholding: New York uses the employer's federal EIN as its withholding identification number for state, New York City and Yonkers tax. Employees file Form IT-2104. (Source: New York State Department of Taxation and Finance, NYS-50 Employer's Guide to Unemployment Insurance, Wage Reporting, and Withholding Tax)

One Form IT-2104 and one EIN cover state, New York City and Yonkers withholding.

Compare New York with neighboring states

Take-home pay on a $60,000 salary, single filer, paid bi-weekly, no pre-tax deductions
			Per paycheck
Vermont	$1,764	$48,626	$1,870.24
Pennsylvania	$1,884	$48,506	$1,865.60
New Jersey	$2,469	$47,921	$1,840.62
Connecticut	$2,617	$47,772	$1,837.40
Massachusetts	$2,956	$47,433	$1,824.36
New York	$2,966	$47,424	$1,824.00

Paycheck calculators for neighboring states: Connecticut, Massachusetts, New Jersey, Pennsylvania, Vermont.

Most-searched state paycheck calculators

New York paycheck FAQ

What are New York's withholding rates in 2026?

State withholding starts at 3.9% and rises with income; New York City adds 2.05% to 4.25% for city residents.

Do I pay NYC tax if I work in Manhattan but live in New Jersey?

No. New York City income tax applies only to residents of the five boroughs.

How much is Paid Family Leave in New York?

0.432% of gross wages in 2026, up to $411.91 a year.

When do I get my final paycheck in New York?

By the regular payday for the pay period in which your job ended.

What is the minimum wage in New York?

$17.00 an hour in New York City, Long Island and Westchester, and $16.00 elsewhere, unchanged in 2027.

Is overtime taxed more in New York?

No. Overtime is taxed at the same rates as your other wages; a larger paycheck can mean more withholding that period.

Sources and methodology

Every rate and limit on this page comes from the official sources below, checked on 2026-11-03. Read how our paycheck calculator works for the calculation order and its limits.