New York Hourly Paycheck Calculator
Your hourly rate and hours in, your take-home pay out. Overtime is paid at 1.5× your rate; tips you report are taxed like wages.
= $648.33 a week · $2,809.42 a month · $33,713.01 a year
Gross pay$1,600.00$41,600.00
Your pay before anything is taken out: yearly pay divided by the 26 paychecks in a year (hourly pay is a week's pay × 52, spread the same way).
Federal income tax · withheld−$108.15−$2,812.00
Worked out from your pay and your Form W-4 with the IRS percentage method (Worksheet 1A): yearly pay, minus the allowance for your filing status, into the 2026 annual table, minus W-4 credits, divided by paychecks. Each line, for this paycheck:
| Pay subject to income tax, for the year · $1,600.00 × 26 paychecks | $41,600.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $33,000.00 |
| Tax from the IRS yearly table · standard table | $2,812.00 |
| Federal income tax per paycheck · divided by 26 | $108.15 |
IRS Publication 15-T (2026), Worksheet 1A - the percentage method payroll software uses for a Form W-4 from 2020 or later. Your employer's figure can differ by a few cents because of rounding.
Adjusted yearly wage: $33,000.00, so this row applies:
| Over | Not over | Base tax | + rate |
|---|---|---|---|
| $0 | $7,500 | $0.00 | 0% |
| $7,500 | $19,900 | $0.00 | 10% |
| $19,900 | $57,900 | $1,240.00 | 12% Your row |
| $57,900 | $113,200 | $5,800.00 | 22% |
| $113,200 | $209,275 | $17,966.00 | 24% |
| $209,275 | $263,725 | $41,024.00 | 32% |
| $263,725 | $648,100 | $58,448.00 | 35% |
| $648,100 | - | $192,979.25 | 37% |
$1,240.00 + 12% × ($33,000.00 − $19,900.00) = $2,812.00
Source: IRS Publication 15-T (2026) · checked Sep 21, 2026
Social Security (6.2%)−$99.20−$2,579.20
6.2% of your pay (after pre-tax benefits, not after 401(k)) up to $184,500 of pay in 2026. Once your pay for the year passes that, it stops until January. Stubs often call it OASDI or FICA.
Source: Social Security Administration - 2026 wage base · checked Sep 21, 2026
Medicare (1.45%)−$23.20−$603.20
1.45% of all your pay, with no yearly limit, plus 0.9% Additional Medicare on pay above $200,000 in the year.
Source: IRS Publication 15 (2026) · checked Sep 21, 2026
New York income tax · withheld−$64.68−$1,681.68
graduated rates; NYC and Yonkers residents pay local tax too. Worked out with New York's official 2026 withholding tables, step by step:
| Pay subject to N.Y. tax this paycheck · same as federal: after pre-tax 401(k) and benefits | $1,600.00 |
| Minus IT-2104 deduction and allowances · biweekly single deduction $284.60 + 0 × $38.50 | −$284.60 |
| Net wages | $1,315.40 |
| Tax on the first $535 · NYS-50-T-NYS single biweekly table, line 4 | $22.54 |
| Plus 5.4% of the $780.40 above that | $42.14 |
| New York State income tax this paycheck · Method II, exact calculation | $64.68 |
Net wages this paycheck: $1,315.40, so this row applies:
| Over | Not over | Base tax | + rate |
|---|---|---|---|
| $0 | $327 | $0.00 | 3.9% |
| $327 | $450 | $12.77 | 4.4% |
| $450 | $535 | $18.15 | 5.15% |
| $535 | $3,102 | $22.54 | 5.4% Your row |
| $3,102 | $3,723 | $161.15 | 5.9% |
| $3,723 | $4,140 | $197.81 | 7.03% |
| $4,140 | $6,063 | $227.15 | 7.53% |
| … 3 more rows | |||
$22.54 + 5.4% × ($1,315.40 − $535.00) = $64.68
Source: New York Paid Family Leave - 2026 updates · checked Oct 16, 2026
NY disability benefits (SDI) · 0.5%, max $1.20 a paycheck−$1.20−$31.20
NY disability benefits (SDI): an employee-paid New York payroll program, taken as a share of your pay (0.5%, max $1.20 a paycheck).
Source: New York Paid Family Leave - 2026 updates · checked Oct 16, 2026
NY Paid Family Leave · 0.432%, max $411.91 a year−$6.91−$179.71
NY Paid Family Leave: an employee-paid New York payroll program, taken as a share of your pay (0.432%, max $411.91 a year).
Source: New York Paid Family Leave - 2026 updates · checked Oct 16, 2026
Built by Ashish Hirpara · figures from IRS and state publications · sources · corrections
Hourly pay in New York
New York's minimum wage for 2026 is $17.00 an hour in New York City, Long Island and Westchester and $16.00 in the rest of the state. The hourly calculator uses $16.00.
Tipped workers. Food service workers can be paid a cash wage of $11.35 downstate or $10.70 elsewhere, and service employees $14.15 or $13.30, if tips bring them up to the minimum wage. Tip credits are allowed in hospitality; since the end of 2020 they are not allowed in most other industries, and never in building service.
Overtime. Time-and-a-half for hours over 40 in a payroll week (over 44 for live-in workers). Tipped workers' overtime is time-and-a-half the minimum wage, less the tip credit.
Paydays. Manual workers must be paid every week, within seven days after the week ends.
Every hour is taxed. More hours mean a higher New York tax, disability and Paid Family Leave line, until disability reaches $0.60 a week.
Minimum wage after taxes in New York
At New York's minimum wage of $16 an hour (since January 1, 2026), a full-time worker takes home about $1,058.20 every two weeks - $27,513 a year, or $13.23 for each hour worked after tax. There is no increase on January 1, 2027: one of the law's off-ramp conditions was met, so the rate stays $17.00 in New York City, Long Island and Westchester and $16.00 in the rest of the state. Home care aides rise to $20.00 and $19.00.
| Minimum wage, $16/hour | Gross per paycheck | Take-home per paycheck | Take-home a year | After tax per hour |
|---|---|---|---|---|
| 40 hours a week | $1,280.00 | $1,058.20 | $27,513 | $13.23 |
| 30 hours a week | $960.00 | $817.01 | $21,242 | $13.62 |
| 20 hours a week | $640.00 | $570.98 | $14,845 | $14.27 |
Paid every two weeks, single filer, standard W-4, no benefits. Tipped workers can be paid $10.70 an hour in cash if tips bring them to the full minimum; their tax depends on the tips they report. Every state's figures: minimum wage after taxes by state.
Take-home at common hourly rates in New York
Full time (40 hours a week), paid every two weeks, single filer with a standard W-4 and no benefits. The last column is what you keep for each hour worked.
| Hourly rate | Take-home per paycheck | Take-home a year | Kept per hour |
|---|---|---|---|
| $15 | $998.59 | $25,963 | $12.48 |
| $16 (minimum wage) | $1,058.20 | $27,513 | $13.23 |
| $18 | $1,177.43 | $30,613 | $14.72 |
| $20 | $1,296.66 | $33,713 | $16.21 |
| $22 | $1,415.89 | $36,813 | $17.70 |
| $25 | $1,594.73 | $41,463 | $19.93 |
| $30 | $1,892.80 | $49,213 | $23.66 |
Part time and overtime at $20 an hour in New York
Every two weeks, single filer, standard W-4. Overtime is paid at 1.5 times the rate. More hours mean a larger share is withheld, because withholding is worked out as if each paycheck were repeated all year.
| Hours a week | Gross per paycheck | Take-home per paycheck | Kept |
|---|---|---|---|
| 20 hours | $800.00 | $694.54 | 87% |
| 30 hours | $1,200.00 | $998.59 | 83% |
| 40 hours | $1,600.00 | $1,296.66 | 81% |
| 40 hours + 5 overtime | $1,900.00 | $1,520.21 | 80% |
| 40 hours + 10 overtime | $2,200.00 | $1,743.77 | 79% |
Because hours change from week to week, your withholding changes too: a week with lots of overtime is withheld as if you earned that much every week, so more comes out. It usually evens out when you file your return.
Tips and overtime in 2026
New federal deductions apply for 2025 through 2028: up to $25,000 for qualified tips, and up to $12,500 ($25,000 for joint filers) for the extra "half" of time-and-a-half overtime. Both phase out above $150,000 of income ($300,000 joint).
These are deductions on your tax return. Your employer still takes Social Security and Medicare out of tips and overtime, and still withholds income tax unless you tell it otherwise. If you expect to claim them, you can put the expected amount in Step 4(b) of your W-4 (and in the Step 4(b) box above) so less income tax is withheld during the year.
Every line that comes out of a New York paycheck, with its official source, is set out on the New York paycheck calculator.
More for New York
Paycheck calculator · Hourly · Salary · Bonus tax · Rent you can afford · Employer payroll taxes · IT-2104 allowances guide · NY PFL and disability (SDI) explained · New York City paycheck
Other tools: What changed for 2026 · Hourly to salary · Salary to hourly · Overtime · Raise · Net to gross · Compare two states · All state tax rates · How New York ranks on $75,000 · Pay stub checker · W-4 guide
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Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods - Worksheet 1A and the annual percentage-method tables
- IRS Publication 15 (2026), Employer's Tax Guide - Social Security and Medicare rates
- Social Security Administration - 2026 wage base of $184,500
- IRS - tips and overtime deductions
- New York Paid Family Leave - 2026 updates - 0.432% of gross wages per pay period, max $411.91 a year; up to 12 weeks at 67% of your average weekly wage, max $1,228.53 a week (NYSAWW $1,833.63) (checked Sep 27, 2026)
- NYS Workers' Compensation Board - Disability benefits: employee eligibility and benefits - off-the-job injury or illness; 50% of the average weekly wage for the last eight weeks, up to $170 a week, for up to 26 weeks in 52 (checked Sep 27, 2026)
- NYS Department of Taxation and Finance - NYS-50-T-NYS, New York State Withholding Tax Tables and Methods (1/26) - effective January 1, 2026; Table A/B/C deduction and exemption allowances; Method II tables and worked examples; Method III top rates; supplemental rate 11.70%
- NYS Department of Taxation and Finance - NYS-50-T-NYC, New York City Withholding Tax Tables and Methods (1/26) - NYC resident Method II tables and worked examples; supplemental rate 4.25%
- NYS Department of Taxation and Finance - NYS-50-T-Y, Yonkers Withholding Tax Tables and Methods (1/26) - Yonkers resident withholding = State Method II result × 16.75%; worked examples
- NYS Department of Taxation and Finance - Form IT-2104 (2026) - status boxes; separate allowances for State/Yonkers (line 1) and NYC (line 2)
- NYS Department of Taxation and Finance - IT-2104-I instructions (2026) - worksheet: line 6 dependents (not yourself or spouse); 3 per child and dependent care credit and per earned income credit; 2 for head of household with one job; itemized deductions via Part 2; line 19 total → line 1; higher-earning spouse claims all allowances (checked Sep 27, 2026); no IT-2104 with a 2020-or-later W-4: employer may use zero allowances; head of household marks the Single box
- NYS Department of Taxation and Finance - Income subject to withholding - wages for federal income tax withholding purposes
- NYS Workers' Compensation Board - Disability and Paid Family Leave insurance (deduction and waiver) - DBL: one-half of one percent of wages, no more than sixty cents a week; employers may, but need not, collect
- NYS Department of Financial Services - 2026 Paid Family Leave premium rate decision - 0.432% of wages, annual maximum $411.91
- New York Paid Family Leave - Cost and deductions - deducted from after-tax wages; 2025: 0.388%, $354.53
- New York Paid Family Leave - Updates for 2026 - 2026 NYSAWW $1,833.63; maximum weekly benefit $1,228.53
- New York State Department of Labor - History of the minimum wage - $17.00 NYC, Long Island and Westchester; $16.00 rest of state from January 1, 2026
- New York State Department of Labor - Minimum wage for tipped workers
- New York State Department of Labor - Wages and hours FAQ - overtime after 40 hours in a payroll week; Labor Standards wage claims
- New York Labor Law § 191 - Frequency of payments - manual workers weekly; clerical and other workers at least semi-monthly; final pay by the regular payday
Questions
What is minimum wage after taxes in New York?
At $16 an hour for 40 hours a week, about $1,058.20 every two weeks and $27,513 a year after federal and state taxes, Social Security and Medicare (single filer, standard W-4).
What is $15 an hour after taxes in New York?
Working 40 hours a week and paid every two weeks, $15 an hour is $1,200.00 before tax and about $998.59 after tax per paycheck - $25,963 a year - for a single filer with a standard W-4.
What is $20 an hour after taxes in New York?
Working 40 hours a week and paid every two weeks, $20 an hour is $1,600.00 before tax and about $1,296.66 after tax per paycheck - $33,713 a year - for a single filer with a standard W-4.
What is $25 an hour after taxes in New York?
Working 40 hours a week and paid every two weeks, $25 an hour is $2,000.00 before tax and about $1,594.73 after tax per paycheck - $41,463 a year - for a single filer with a standard W-4.
How much does 5 hours of overtime a week add at $20 an hour in New York?
Five overtime hours at $30 add $300.00 of gross pay to each two-week paycheck, and about $223.55 after tax (single filer, standard W-4).