Free New York Paycheck Calculator 2026 — Estimate Your Take-Home Pay
Estimate your New York take-home pay after state income tax (up to 10.9%), NYC local tax, federal taxes, and FICA. Updated with 2026 NY withholding tables.
New York Paycheck Calculator — Free Take-Home Pay Estimator
Estimate your New York take-home pay after state income tax (up to 10.9%), NYC local tax (up to 3.876%), federal taxes, and FICA. Updated for 2026 NY Department of Taxation and Finance withholding tables.
© RemoteLaws.com — Updated for 2026.
How New York Calculates Your Paycheck
New York has one of the most complex paycheck withholding structures in the United States. Workers face federal income tax, FICA, New York State income tax across multiple progressive brackets, and — for the five million residents of New York City — an additional city income tax layered on top. Yonkers residents face a separate surcharge. Understanding each layer is essential for anyone trying to reconcile their gross pay with what actually lands in their account.
This calculator applies the 2026 New York State withholding tables from Publication NYS-50-T-NYS (1/26) issued by the New York Department of Taxation and Finance, the 2026 NYC withholding tables from Publication NYS-50-T-NYC (1/26), and the 2026 federal withholding tables from IRS Publication 15-T.
2026 New York State Income Tax Brackets — What Changed
New York reduced its five lowest income tax brackets effective January 1, 2026 under Chapter 59 of the Laws of 2025. The new rates apply to all paychecks issued on or after January 1, 2026.
Important note on the NY bracket structure: New York’s withholding tables include a “benefit recapture” mechanism for higher incomes. This is why the rates in the middle and upper brackets are non-monotonic — they appear to go up, then down, then up again. This is an official design feature of the NY withholding system, not an error, and is documented in Publication NYS-50-T-NYS (1/26), page 17.
Single filers — 2026 Annual Rate Schedule (page 17, NYS-50-T-NYS):
- 3.9% on income up to $8,500
- 4.4% on income from $8,501 to $11,700
- 5.15% on income from $11,701 to $13,900
- 5.4% on income from $13,901 to $80,650
- 5.9% on income from $80,651 to $96,800
- 7.03% on income from $96,801 to $107,650
- 7.53% on income from $107,651 to $157,650
- 6.4% on income from $157,651 to $215,400
- 11.44% on income from $215,401 to $265,400
- 7.35% on income from $265,401 to $1,077,550
- Above $1,077,550: Method III applies (effective rates 10.45%–11.70% on all wages)
Married filing jointly — 2026 Annual Rate Schedule (page 19, NYS-50-T-NYS):
- 3.9% on income up to $8,500
- 4.4% on income from $8,501 to $11,700
- 5.15% on income from $11,701 to $13,900
- 5.4% on income from $13,901 to $80,650
- 5.9% on income from $80,651 to $96,800
- 6.57% on income from $96,801 to $107,650
- 7.07% on income from $107,651 to $157,650
- 8.01% on income from $157,651 to $211,550
- 6.4% on income from $211,551 to $323,200
- 13.49% on income from $323,201 to $373,200
- 7.35% on income from $373,201 to $1,077,550
- 7.65% on income from $1,077,551 to $2,155,350
- Above $2,155,350: Method III applies
Key difference between single and MFJ: Both filing statuses share the same thresholds for the first five brackets ($8,500 / $11,700 / $13,900 / $80,650 / $96,800). They diverge from bracket 6 onward, and MFJ has 12 brackets versus 10 for single before Method III applies.
New York standard deduction (2026): $8,000 for single filers, $16,050 for married filing jointly, $11,200 for head of household — all significantly lower than the 2026 federal standard deductions of $16,100 (single) and $32,200 (MFJ). This gap means New York taxable income is substantially higher than federal taxable income on the same paycheck.
Sources: NY Department of Taxation and Finance — 2026 Withholding Rate Changes and Publication NYS-50-T-NYS (1/26).
New York City Local Income Tax — The Largest Local Tax in the U.S.
New York City is one of only a handful of cities in the United States with its own progressive income tax, and it is by far the largest. NYC residents pay city income tax in addition to — not instead of — New York State tax. Non-residents who commute into NYC for work do not pay NYC tax.
The 2026 NYC rates are unchanged from 2025, per Publication NYS-50-T-NYC (1/26):
Single filers:
- 3.078% on income up to $12,000
- 3.762% on income from $12,001 to $25,000
- 3.819% on income from $25,001 to $50,000
- 3.876% on income above $50,000
Married filing jointly:
- 3.078% on income up to $21,600
- 3.762% on income from $21,601 to $45,000
- 3.819% on income from $45,001 to $90,000
- 3.876% on income above $90,000
The combined top rate of New York State plus New York City — 10.9% state + 3.876% city — reaches 14.776%, the highest combined state and local income tax rate in the United States. For an NYC worker earning $100,000, combined state and city income tax typically amounts to approximately $8,000–$9,500 per year depending on filing status.
To estimate your NYC take-home pay, select “New York City resident” in the local tax dropdown of the calculator above.
Yonkers Resident Surcharge
Yonkers residents pay an additional surcharge of 16.75% of their New York State income tax on top of state tax. This is separate from NYC tax — Yonkers residents do not pay NYC tax, and NYC residents do not pay the Yonkers surcharge.
For example, a Yonkers resident who owes $3,000 in New York State income tax also owes $502.50 in Yonkers surcharge ($3,000 × 16.75%). The surcharge is calculated and withheld on top of state withholding, as described in Publication NYS-50-T-Y (1/26).
Non-residents who work in Yonkers (but live elsewhere) face a separate non-resident earnings tax of 0.5% on their Yonkers-sourced wages. If you work in Yonkers but live outside both Yonkers and NYC, select “Yonkers resident” in the dropdown only if you are a Yonkers resident — not merely a Yonkers commuter.
To estimate your Yonkers take-home pay, select “Yonkers resident” in the local tax dropdown of the calculator above.
Federal Taxes on a New York Paycheck
New York workers also pay the same federal taxes as every U.S. worker.
Federal Income Tax is withheld based on your W-4 elections per IRS Publication 15-T. The 2026 federal standard deduction is $16,100 for single filers and $32,200 for married filing jointly — more than double New York’s state standard deduction.
Social Security (6.2%) is withheld on wages up to the 2026 wage base of $184,500. Once cumulative wages exceed this threshold, Social Security withholding stops for the calendar year.
Medicare (1.45%) applies to all wages with no cap per IRS Topic 751, with an additional 0.9% on wages above $200,000 for single filers and $250,000 for married filing jointly.
New York Paid Family Leave — Paycheck Deduction
New York’s Paid Family Leave program requires a small employee contribution that appears as a separate line on New York pay stubs. The 2026 PFL contribution rate is set annually by the New York Workers’ Compensation Board. In return, workers who qualify can take up to 12 weeks of paid, job-protected leave to bond with a new child, care for a seriously ill family member, or assist when a family member is deployed abroad on active military service.
This deduction is distinct from state income tax withholding and appears separately from your NY state income tax line. See New York paid leave guide for the 2026 contribution rate and benefit amounts.
What a New York Paycheck Looks Like: Examples
The following estimates are for a single filer on a biweekly schedule with no pre-tax deductions, for informational purposes only. NYC estimates include city income tax; non-NYC estimates do not.
$60,000/year salary, Single, Biweekly — Non-NYC (upstate NY):
- Gross per paycheck: ~$2,308
- Federal income tax: ~$186
- Social Security: ~$143
- Medicare: ~$33
- NY state tax: ~$83
- Estimated net pay: ~$1,863
$60,000/year salary, Single, Biweekly — NYC resident:
- Gross per paycheck: ~$2,308
- Federal income tax: ~$186
- Social Security: ~$143
- Medicare: ~$33
- NY state tax: ~$83
- NYC local tax: ~$82
- Estimated net pay: ~$1,781
$100,000/year salary, Single, Biweekly — NYC resident:
- Gross per paycheck: ~$3,846
- Federal income tax: ~$439
- Social Security: ~$238
- Medicare: ~$56
- NY state tax: ~$176
- NYC local tax: ~$135
- Estimated net pay: ~$2,802
The same worker in Texas at $100,000 would receive approximately $311 more per biweekly paycheck due to the absence of state and city income tax. These are estimates only.
The OBBBA and New York Filers — What Changed in 2026
The federal One Big Beautiful Bill Act (OBBBA), effective 2026, changed several federal withholding provisions — but none of these changes affect New York State income tax withholding. Key points for New York workers:
Federal SALT cap raised to $40,400 — New York homeowners who itemize on their federal return can now deduct significantly more state and local tax against their federal income, reducing federal withholding. This does not affect the NY state return, which has no SALT cap.
Federal overtime exemption ($12,500) — The OBBBA allows up to $12,500 of FLSA overtime compensation to be excluded from federal taxable income. New York does not conform to this exemption — New York taxes all overtime wages at normal state rates. A New York worker’s federal withholding may be lower on overtime pay than before, but state withholding is unchanged.
Federal standard deduction increased — The 2026 federal standard deduction is $16,100 (single), but New York’s state standard deduction remains $8,000. The federal increase reduces federal withholding but has no effect on New York State withholding.
Source: NY Department of Taxation and Finance — 2026 Withholding Rate Changes.
New York Minimum Wage (2026)
New York’s statewide minimum wage is $16.50 per hour for most workers in 2026. New York City, Long Island, and Westchester County apply a higher rate of $16.50 per hour. This is among the highest minimum wages in the country and is adjusted annually. See New York minimum wage for the full 2026 rate schedule by region.
Frequently Asked Questions — New York Paycheck
What taxes come out of a New York paycheck?
A New York paycheck has five or six deductions depending on where you live: federal income tax (per IRS Publication 15-T), Social Security (6.2% up to $184,500), Medicare (1.45%), New York State income tax, New York Paid Family Leave contribution, and — if you are an NYC or Yonkers resident — the applicable local income tax.
What are the New York State income tax rates for 2026?
New York reduced its five lowest tax brackets effective January 1, 2026 under Chapter 59 of the Laws of 2025, per the NY Department of Taxation and Finance. For single filers, the 2026 withholding rate schedule (pages 17 of NYS-50-T-NYS) has 10 brackets: 3.9%, 4.4%, 5.15%, 5.4%, 5.9%, 7.03%, 7.53%, 6.4%, 11.44%, and 7.35%. Note that rates are non-monotonic from bracket 6 onward due to New York’s benefit recapture mechanism — this is an official feature of the NY withholding tables, not an error. Most middle-income single filers (below $96,800 in NY taxable income) fall in the 5.4%–5.9% range.
Does working in NYC mean I pay NYC tax?
No — NYC income tax applies only to people who live in New York City (the five boroughs: Manhattan, Brooklyn, Queens, The Bronx, and Staten Island). If you commute into NYC for work but live in New Jersey, Connecticut, or elsewhere in New York State, you do not pay NYC local income tax on your paycheck.
What is the NYC income tax rate for 2026?
The 2026 NYC rates are unchanged per Publication NYS-50-T-NYC (1/26): 3.078% on income up to $12,000 (single), rising to 3.876% on income above $50,000 (single). For married filing jointly, the thresholds are $21,600, $45,000, and $90,000 at the same rates. These rates are applied to your NYC taxable income after subtracting the New York State standard deduction.
What is the Yonkers surcharge?
Yonkers residents pay an additional surcharge of 16.75% of their New York State income tax owed — not 16.75% of their income. If your NY state tax bill is $2,000, your Yonkers surcharge is $335. The surcharge is withheld and remitted by your employer if your W-4 (or IT-2104) indicates Yonkers residency. See Publication NYS-50-T-Y (1/26) for the official withholding tables.
Why is my New York paycheck so much lower than my salary?
For a single NYC resident, the combination of federal income tax, Social Security, Medicare, New York State income tax, and NYC local tax typically reduces a $100,000 salary by approximately 35–40% in total withholdings. The primary culprits are New York’s progressive state brackets (effective rate of roughly 5–7% for most middle-income earners), the NYC local tax (effective rate of roughly 3.5–3.8%), and federal taxes. Use this calculator to see the exact breakdown for your income and filing status.
Do I pay NY state tax if I live in NJ but work in New York?
Yes. New York taxes wages based on where the work is performed — if you physically work in New York State (including NYC), those wages are subject to New York income tax regardless of where you live. New Jersey does not have a tax reciprocity agreement with New York, so NJ residents working in NY often pay NY tax via withholding and then claim a credit on their NJ return to avoid double taxation. Note: New York does not have reciprocity agreements with any state, per NY Department of Taxation and Finance.
How does the NY “convenience of the employer” rule affect remote workers?
If your employer is based in New York and you work from home outside New York State, New York may still tax those wages under the “convenience of the employer” doctrine — unless you can demonstrate your home office is a bona fide employer office required by your employer, not merely convenient for you. This is a significant issue for New York-based employees who relocated during or after the pandemic. See New York employment laws and consult the NY Department of Taxation and Finance for current guidance on this doctrine.
What is New York Paid Family Leave and how much does it cost me?
NY PFL is a mandatory payroll deduction that funds up to 12 weeks of paid, job-protected leave per year. The 2026 contribution rate is set annually by the New York Workers’ Compensation Board. The amount is capped at a maximum weekly benefit and contribution cap. See New York paid leave guide for the exact 2026 rate and benefit calculations.
How do pre-tax deductions reduce my New York tax?
A traditional 401(k) contribution reduces both your federal and New York State taxable income dollar-for-dollar. The IRS 2026 limit is $23,500 ($31,000 for workers 50+). For a worker in the 5.9% NY state bracket plus the 3.876% NYC bracket, each pre-tax dollar saved reduces combined state and city taxes by approximately $0.097 — on top of federal savings. Health insurance premiums under a Section 125 plan and HSA contributions (per IRS Publication 969) also reduce NY state taxable income.
What is the SALT deduction cap and how does it affect New York workers?
The federal SALT (state and local taxes) deduction allows you to deduct certain state and local taxes on your federal return when you itemize. Under the One Big Beautiful Bill Act, the federal SALT cap was raised from $10,000 to $40,400 for 2026. For high-property-tax New Yorkers who itemize federally, this means significantly more of their combined state income tax + property tax can be deducted against federal taxable income — reducing federal withholding. The NY state return has no SALT cap. Source: IRS 2026 adjustments.
External Government Sources
- NY Dept of Taxation — 2026 Withholding Rate Changes
- Publication NYS-50-T-NYS (1/26)
- Publication NYS-50-T-NYC (1/26)
- Publication NYS-50-T-Y (1/26) — Yonkers
- NY Workers’ Compensation Board — PFL
- IRS Publication 15-T
- IRS 2026 Tax Brackets
- SSA — 2026 Wage Base
- IRS Topic 751 — FICA
- IRS Topic 560 — Additional Medicare Tax
- IRS 401(k) Contribution Limits
- IRS Publication 15b — Cafeteria Plans
- IRS Publication 969 — HSA/FSA
Update History
April 2026: Initial publication. All URLs verified functional.