New York paycheck calculator

Take-home pay in New York after federal and New York income tax, Social Security, Medicare and your deductions, using the 2026 withholding rules.

State you live and work in

2026 rules for New York.

City or county tax

Only if you live (or work) where it applies.

Pay

I'm paid

Salary (per year, before taxes)

How often you're paid

Your Form W-4

Filing status

Children under 17

$2,200 each in Step 3, if your income is $200,000 or less ($400,000 married filing jointly).

Other dependents

$500 each in Step 3.

Pre-tax and after-tax deductions

401(k) or 403(b) contribution

Traditional (pre-tax). Put a Roth contribution under after-tax deductions.

Health insurance, HSA and FSA

Pre-tax premiums and contributions through payroll; they also lower Social Security and Medicare.

After-tax deductions

Roth 401(k), union dues, garnishments.

More Form W-4 options

Step 2: two jobs, or married and your spouse works

Only if you checked the box in Step 2(c) of your W-4.

Step 4(a): other income (per year)

Step 4(b): deductions (per year)

From the W-4's Deductions Worksheet: tips, overtime, car loan interest, the senior deduction, itemizing.

Step 4(c): extra withholding

Take-home pay per paycheck

$1,826.08

$47,478.06 a year from $59,999.94 gross, 26 paychecks.

Gross pay, each deduction and take-home pay, per paycheck and per year
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	−$3,720.00
Medicare	−$33.46	−$870.00
New York income tax	−$100.82	−$2,621.40
NY SDI	−$1.20	−$31.20
NY Paid Family Leave	−$9.97	−$259.20
Take-home pay	$1,826.08	$47,478.06

Taxes as a share of pay: 20.9%
Federal taxable wages (year): $59,999.94

Estimates for planning, not tax advice. Your employer's payroll may round differently, and your tax bill when you file can differ from what's withheld.

How New York taxes your paycheck in 2026

New York's 2026 withholding starts at 3.9% of wages after a $7,400 deduction ($7,950 married) and $1,000 per allowance, and it takes back the benefit of the lower rates as income rises. Employees also pay up to $0.60 a week for disability insurance and 0.432% of pay (up to $411.91 in 2026) for Paid Family Leave. New York City and Yonkers residents pay local income tax on top.

New York withholding rates, 2026: single or married filing separately
Taxable income	Rate
$0 to $8,500	3.9%
$8,500 to $11,700	4.4%
$11,700 to $13,900	5.15%
$13,900 to $80,650	5.4%
$80,650 to $96,800	5.9%
$96,800 to $107,650	7.03%
$107,650 to $157,650	7.53%
$157,650 to $215,400	6.4%
$215,400 to $265,400	11.44%
$265,400 to $1,077,550	7.35%
Over $1,077,550	10.45%

New York withholding rates, 2026: married filing jointly
Taxable income	Rate
$0 to $8,500	3.9%
$8,500 to $11,700	4.4%
$11,700 to $13,900	5.15%
$13,900 to $80,650	5.4%
$80,650 to $96,800	5.9%
$96,800 to $107,650	6.57%
$107,650 to $157,650	7.07%
$157,650 to $211,550	8.01%
$211,550 to $323,200	6.4%
$323,200 to $373,200	13.49%
$373,200 to $1,077,550	7.35%
$1,077,550 to $2,155,350	7.65%
Over $2,155,350	10.45%

New York withholding rates, 2026: head of household
Taxable income	Rate
$0 to $8,500	3.9%
$8,500 to $11,700	4.4%
$11,700 to $13,900	5.15%
$13,900 to $80,650	5.4%
$80,650 to $96,800	5.9%
$96,800 to $107,650	7.03%
$107,650 to $157,650	7.53%
$157,650 to $215,400	6.4%
$215,400 to $265,400	11.44%
$265,400 to $1,077,550	7.35%
Over $1,077,550	10.45%

Standard deduction: $7,400 single or married filing separately; $7,950 married filing jointly; $7,400 head of household.
Exemptions: $1,000 for you, $1,000 for a spouse, $1,000 per dependent.
A traditional 401(k) lowers your New York taxable wages; pre-tax health premiums do.

New York payroll contributions

New York employee payroll taxes, 2026
Contribution	Rate	Wages up to
NY SDI	0.5% (max $0.6/week)	No limit
NY Paid Family Leave	0.432%	$95,348.76

City and county taxes

New York City residents pay city income tax on top of state tax, withheld with it; the 2026 city withholding rates run from 2.05% to 4.25%. Yonkers residents pay a surcharge of 16.75% of their New York State tax. People who work in Yonkers but live elsewhere pay a 0.5% nonresident earnings tax instead, which this calculator does not apply.

What this calculator simplifies

This follows New York's 2026 employer withholding tables, which estimate the year's tax; your return can differ, for example because of credits that withholding ignores.
Allowances: we assume 1 for you, 1 more for a spouse if married, and 1 per dependent ($1,000 each). Your Form IT-2104 worksheet may give a different number.
Head of household is withheld as single, as Form IT-2104 does.
High earners: New York takes back the benefit of its lower brackets from people with high incomes. The withholding tables build that into the bracket rates, which is why some rates are higher than the bracket above them.
Very high earners: once your yearly wages after the deduction and exemptions reach $1,077,550 ($2,155,350 married), New York withholds one flat rate on all of them: 10.45%, 11.10% from $5 million and 11.70% from $25 million. The calculator does the same.
The calculator matches New York's official annual rate schedule to within about $4 a year; the state's published totals were worked out with unrounded rates.
New York City uses a smaller deduction than the state ($5,000 single, $5,500 married, versus $7,400 and $7,950), with the same $1,000 per exemption, and the calculator figures city tax on that basis. NYC rates are the same for every filing status.
Yonkers: 16.75% of the New York State tax worked out here.
Bonuses paid separately can be withheld at the flat supplemental rates (11.70% state, 4.25% New York City). We treat all pay as regular wages.
New York disability insurance is capped at $0.60 a week, and some employers pay it themselves. Paid Family Leave stops at $411.91 for the year.
Traditional 401(k) contributions and pre-tax health premiums are taken out before New York taxes your wages. We assume an ordinary private-sector plan: public-employee 414(h) contributions are added back for New York and are not covered here.

Sources

How every number is worked out is on the methodology page.

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