New York Paycheck Calculator

How to estimate your New York take-home pay in 2026

New York applies progressive state income tax with rates from 4% to 10.9%, plus an optional New York City local income tax for residents. This calculator estimates your 2026 net pay after federal withholding, FICA payroll taxes, New York state tax, and NYC local tax so you can plan monthly expenses and compare job offers with confidence.

Enter your annual salary or build it from hourly wages using our gross pay calculator. If you receive 26 paychecks per year, the biweekly pay calculator shows how gross and net amounts spread across the calendar. For a full annual tax breakdown including NYC brackets, see the New York tax calculator and the income tax calculator.

What gets deducted from a New York paycheck

A typical New York W-2 paycheck includes three layers of mandatory withholding plus any voluntary deductions you elect through your employer:

• Federal income tax: Calculated from 2026 IRS brackets, your W-4 filing status, and qualifying child tax credits.
• FICA taxes: Social Security at 6.2% (capped at the 2026 wage base of $184,500) and Medicare at 1.45%, with an additional 0.9% on wages above $200,000 for single filers. Use our FICA tax calculator to isolate these amounts.
• New York state income tax: Progressive rates from 4% to 10.9% applied to New York taxable income after the state standard deduction.
• NYC local income tax: An additional 3.078% flat rate on New York taxable income for New York City residents.

How New York state tax is calculated

New York taxable income starts with gross wages after pre-tax deductions, then subtracts the New York standard deduction:

For 2026, New York standard deductions are $8,000 (single), $16,050 (married filing jointly), and $11,200 (head of household). State tax then applies within progressive brackets for single filers:

• $0 to $8,500: 4.0%
• $8,500 to $11,700: 4.5%
• $11,700 to $13,900: 5.25%
• $13,900 to $80,650: 5.5%
• $80,650 to $215,400: 6.0%
• $215,400 to $1,077,550: 6.85%
• Above $1,077,550: up to 10.9% on the highest bracket

NYC local tax for residents

If you check the NYC resident option, an additional 3.078% is applied to your New York taxable income. This is a flat withholding estimate on top of state tax. Upstate and suburban workers outside the five boroughs do not pay NYC local income tax on wages.

Worked example: $65,000 salary, single, biweekly, 5% 401(k)

Consider a single New York employee earning $65,000 per year, paid biweekly, contributing 5% to a traditional 401(k), with no dependents, no NYC residency, and no health premium deductions:

1. Pre-tax 401(k): $65,000 x 5% = $3,250 per year
2. Gross after pre-tax: $65,000 - $3,250 = $61,750
3. New York taxable income: $61,750 - $8,000 (standard deduction) = $53,750
4. New York state tax: Progressive brackets applied to $53,750
5. FICA: Social Security and Medicare on the full $65,000 gross (401(k) does not reduce FICA wages)
6. Estimated net per paycheck: About $1,875.24 biweekly after all withholdings

If you work overtime, estimate gross earnings with the New York overtime calculator before entering your annual salary here.

New York vs. neighboring state tax burdens

New York sits among high-tax Northeast states. Compare your salary against the New Jersey paycheck calculator (progressive rates up to 10.75%), the Connecticut paycheck calculator (progressive rates), and the Massachusetts paycheck calculator (progressive rates). Running the same inputs through each state calculator reveals how relocation affects your monthly budget.

Frequently asked questions