New York Paycheck Calculator 2026
Enter your pay and your IT-2104 details to see what lands in your bank account. New York withholds state income tax from graduated tables, city tax if you live in New York City or Yonkers, plus disability and Paid Family Leave - we show each one.
How much does New York take out for taxes? On a $60,000 salary paid every two weeks (single, standard W-4), New York takes $114.07 of each $2,307.69 paycheck - 4.9% of pay, including NY disability benefits (SDI) and NY Paid Family Leave. With federal income tax ($193.08) and Social Security and Medicare ($176.54), $483.69 comes out in all - 21% - and you keep $1,824.00.
= $912.00 a week · $3,952.02 a month · $47,424.20 a year
Gross pay$2,307.69$60,000.00
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−$193.08−$5,020.00
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 · $2,307.69 × 26 paychecks | $60,000.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $51,400.00 |
| Tax from the IRS yearly table · standard table | $5,020.00 |
| Federal income tax per paycheck · divided by 26 | $193.08 |
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: $51,400.00, 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% × ($51,400.00 − $19,900.00) = $5,020.00
Source: IRS Publication 15-T (2026) · checked Sep 21, 2026
Social Security (6.2%)−$143.08−$3,720.00
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%)−$33.46−$870.00
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−$102.90−$2,675.40
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 | $2,307.69 |
| Minus IT-2104 deduction and allowances · biweekly single deduction $284.60 + 0 × $38.50 | −$284.60 |
| Net wages | $2,023.09 |
| Tax on the first $535 · NYS-50-T-NYS single biweekly table, line 4 | $22.54 |
| Plus 5.4% of the $1,488.09 above that | $80.36 |
| New York State income tax this paycheck · Method II, exact calculation | $102.90 |
Net wages this paycheck: $2,023.09, 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% × ($2,023.09 − $535.00) = $102.90
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−$9.97−$259.20
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
What comes out of a New York paycheck
- Federal income tax withholding - worked out from your pay and your Form W-4, using the IRS tables for 2026.
- Social Security - 6.2% of your pay, up to $184,500 of pay in 2026. Above that, it stops for the rest of the year.
- Medicare - 1.45% of all your pay, plus 0.9% on pay above $200,000 in the year.
A New York paycheck can have up to four state and local lines:
- New York State income tax. Your employer uses the Tax Department's 2026 tables (publication NYS-50-T-NYS). It takes your pay after a traditional 401(k) and pre-tax health insurance, subtracts a deduction for your pay period and filing status plus $1,000 a year for each IT-2104 allowance, and looks the rest up in a table. The first dollars are taxed at 3.9%, and the rate on each extra dollar changes as pay rises. Very high pay (from $1,077,550 a year after the deduction if single) is taxed at a flat top rate instead: 10.45%, 11.1%, 11.7%.
- New York City or Yonkers tax, only if you live there. New York City has its own table, from 2.05% to 4.25%. Yonkers residents pay 16.75% of their New York State tax.
- Disability benefits (SDI): 0.5% of your wages, but no more than $0.60 a week - $31.20 a year at most.
- Paid Family Leave: 0.432% of your wages each paycheck, up to $411.91 for the year.
Open the "New York income tax" line in the result to see every step, including the table line used.
What's different about New York
Form IT-2104, not just your W-4
New York has its own withholding form, the IT-2104. You tick "Single or Head of household" or "Married" (or "Married, but withhold at higher single rate", which is taxed like single), and you claim allowances on two lines: line 1 for New York State and Yonkers, line 2 for New York City. Each allowance lowers the pay your employer taxes by $1,000 a year. If you gave your employer a federal W-4 from 2020 or later but no IT-2104, it may use zero allowances. Married employees start with a slightly larger deduction: $7,950 a year instead of $7,400.
Living in New York City
New York City residents - the Bronx, Brooklyn, Manhattan, Queens and Staten Island - have city tax withheld too. It uses its own tables (NYS-50-T-NYC), with a deduction of $5,000 a year if single or $5,500 if married, plus $1,000 for each allowance on IT-2104 line 2. The calculator only adds it when you choose "New York City resident" above.
Living in Yonkers
If you live in Yonkers, your employer withholds 16.75% of your New York State tax as Yonkers resident tax. People who work in Yonkers but live elsewhere pay a separate nonresident earnings tax, which this calculator does not include.
Disability and Paid Family Leave
Employers may take up to 0.5% of your pay for disability benefits, capped at $0.60 a week - so the cap for a paycheck depends on how many weeks it covers. Employers are allowed, but not required, to collect it; some pay it themselves. Paid Family Leave is 0.432% of your wages until you've paid $411.91 for the year, and it comes out of after-tax pay.
Bonuses
If a bonus is paid separately from your regular pay, your employer can withhold a flat 11.7% for New York State, 4.25% for New York City and 1.95975% for Yonkers residents, or add it to your regular pay and use the tables.
Paydays and your last paycheck
Manual workers must be paid weekly, no later than seven days after the end of the week they worked (some large employers get approval to pay twice a month). Clerical and other workers must be paid at least twice a month, on regular paydays set in advance. When you leave, your final wages are due by the regular payday for the pay period in which your job ended, and by mail if you ask. The Department of Labor's Division of Labor Standards takes claims for unpaid wages.
New York salary after tax
Each answer is worked out by the same calculator as above, for a single filer paid every two weeks with a standard W-4 and no 401(k) or benefits. Jump to: $35,000 · $45,000 · $55,000 · $60,000 · $65,000 · $75,000 · $80,000 · $90,000 · $100,000 · $120,000 · $150,000
How much is $35,000 a year after tax in New York?
About $28,795 a year - $1,107.49 every two weeks, or about $2,400 a month. That's after $2,020 of federal income tax, $2,678 of Social Security and Medicare and $1,508 in New York taxes; you keep 82%. Try $35,000 with your own W-4 and deductions.
How much is $45,000 a year after tax in New York?
About $36,247 a year - $1,394.09 every two weeks, or about $3,021 a month. That's after $3,220 of federal income tax, $3,443 of Social Security and Medicare and $2,091 in New York taxes; you keep 81%. Try $45,000 with your own W-4 and deductions.
How much is $55,000 a year after tax in New York?
About $43,698 a year - $1,680.71 every two weeks, or about $3,642 a month. That's after $4,420 of federal income tax, $4,208 of Social Security and Medicare and $2,674 in New York taxes; you keep 79%. Try $55,000 with your own W-4 and deductions.
How much is $60,000 a year after tax in New York?
About $47,424 a year - $1,824.00 every two weeks, or about $3,952 a month. That's after $5,020 of federal income tax, $4,590 of Social Security and Medicare and $2,966 in New York taxes; you keep 79%. Try $60,000 with your own W-4 and deductions.
How much is $65,000 a year after tax in New York?
About $51,150 a year - $1,967.32 every two weeks, or about $4,263 a month. That's after $5,620 of federal income tax, $4,973 of Social Security and Medicare and $3,257 in New York taxes; you keep 79%. Try $65,000 with your own W-4 and deductions.
How much is $75,000 a year after tax in New York?
About $57,752 a year - $2,221.23 every two weeks, or about $4,813 a month. That's after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $3,841 in New York taxes; you keep 77%. Try $75,000 with your own W-4 and deductions.
How much is $80,000 a year after tax in New York?
About $60,978 a year - $2,345.29 every two weeks, or about $5,081 a month. That's after $8,770 of federal income tax, $6,120 of Social Security and Medicare and $4,132 in New York taxes; you keep 76%. Try $80,000 with your own W-4 and deductions.
How much is $90,000 a year after tax in New York?
About $67,420 a year - $2,593.09 every two weeks, or about $5,618 a month. That's after $10,970 of federal income tax, $6,885 of Social Security and Medicare and $4,725 in New York taxes; you keep 75%. Try $90,000 with your own W-4 and deductions.
How much is $100,000 a year after tax in New York?
About $73,842 a year - $2,839.30 every two weeks, or about $6,154 a month. That's after $13,170 of federal income tax, $7,650 of Social Security and Medicare and $5,338 in New York taxes; you keep 74%. Try $100,000 with your own W-4 and deductions.
How much is $120,000 a year after tax in New York?
About $86,527 a year - $3,323.88 every two weeks, or about $7,211 a month. That's after $17,570 of federal income tax, $9,180 of Social Security and Medicare and $6,723 in New York taxes; you keep 72%. Try $120,000 with your own W-4 and deductions.
How much is $150,000 a year after tax in New York?
About $104,809 a year - $4,022.06 every two weeks, or about $8,734 a month. That's after $24,734 of federal income tax, $11,475 of Social Security and Medicare and $8,982 in New York taxes; you keep 70%. Try $150,000 with your own W-4 and deductions.
New York vs neighboring states
Take-home pay on a $60,000 salary, single filer paid every two weeks with a standard W-4. "State taxes" counts state and local income tax withheld (with each calculator's default choices) plus any employee-paid state payroll premium; federal tax, Social Security and Medicare are the same everywhere.
| State | State taxes | Take-home | vs here |
|---|---|---|---|
| Vermont | $1,764 | $48,626 | +$1,202 |
| Pennsylvania | $1,884 | $48,506 | +$1,082 |
| New Jersey | $2,457 | $47,933 | +$508 |
| Connecticut | $2,617 | $47,773 | +$348 |
| Massachusetts | $2,956 | $47,434 | +$10 |
| New York | $2,966 | $47,424 | - |
Local income taxes (city, county or school district) aren't included for New York and Pennsylvania - enter your rate on the state's calculator.
Where you live and where you work can both matter when the two states differ - check each state's page.
Moving? New Jersey vs New York taxes · Florida vs New York taxes · California vs New York taxes · New York vs Pennsylvania taxes · New York vs Texas taxes · Connecticut vs New York taxes · Massachusetts vs New York taxes · Salary needed to move
What changed for 2026
New York's withholding tables changed for 2026 after rate cuts passed in 2025. Here is what changed.
- New federal withholding tables. The IRS updated Publication 15-T for 2026, including changes from the 2025 tax law. The standard deduction is $16,100 single, $32,200 married filing jointly, and $24,150 head of household.
- Social Security wage base: $184,500 (up from $176,100). If you earn more, Social Security stops later in the year.
- Tips and overtime deductions for 2025–2028 - see below.
- New withholding tables for New York State, New York City and Yonkers from January 1, 2026. If you filled in an IT-2104 worksheet before 2026, the Tax Department asks employers to encourage a new one.
- Paid Family Leave: 0.432% of wages, up to $411.91 (was 0.388% and $354.53).
- Minimum wage: $17.00 in New York City, Long Island and Westchester (was $16.50) and $16.00 elsewhere (was $15.50).
Why your paycheck might differ from this
- Your W-4. Credits for children (Step 3), a checked Step 2 box, or extra withholding (Step 4c) change the federal amount a lot. Open "Tips, 401(k), health insurance and W-4 details" above to enter them.
- Benefits taken before tax. Health insurance through work usually lowers income tax and Social Security and Medicare. A traditional 401(k) lowers income tax only.
- Rounding. Payroll software may round each step, so a few cents of difference is normal.
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.
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
Other states: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
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
How much does New York take out for taxes?
On a $60,000 salary paid every two weeks (single, standard W-4), New York takes $114.07 of each $2,307.69 paycheck - 4.9% of pay, including NY disability benefits (SDI) and NY Paid Family Leave. With federal income tax ($193.08) and Social Security and Medicare ($176.54), $483.69 comes out in all - 21% - and you keep $1,824.00.
How is New York income tax withheld from my paycheck?
Your employer subtracts a deduction for your pay period, filing status and IT-2104 allowances, then uses the 2026 table for your pay period. The first dollars are taxed at 3.9%, and the rate rises with pay.
How much is taken out of a $1,000 paycheck in New York?
For a single filer paid every two weeks with nothing else on the W-4, a $1,000 paycheck has about $38.08 of federal income tax, $62.00 of Social Security and $14.50 of Medicare taken out, $32.28 of New York income tax, leaving $847.62. Enter your own details in the calculator for your exact figure.
Do I pay New York City tax if I only work in the city?
New York City withholding in this calculator is resident tax: it applies if you live in one of the five boroughs. Pick "New York City resident" above if you do.
What is NY SDI and NY PFL on my pay stub?
SDI is disability benefits: 0.5% of your wages, no more than $0.60 a week. PFL is Paid Family Leave: 0.432% of your wages, up to $411.91 in 2026.
What if I never filled out an IT-2104?
If you gave your employer a federal W-4 from 2020 or later, it may withhold New York tax using zero allowances.
When do I get my last paycheck in New York?
By the regular payday for the pay period in which your job ended. If you ask, your employer must mail it.