New York Paycheck Calculator 2026

2026

Calculate your take-home pay in New York. New York has a progressive income tax system. Based on current NY and federal tax rates.

Pay Type
$

Net Pay (Bi-Weekly)

$2,210.29

Annual Take-Home

$57,467.50

Total Tax (Annual)

$17,532.50

Paycheck Breakdown (Bi-Weekly)

Gross Pay$2,884.62
Federal Income Tax- $295.00
Social Security (6.2%)- $178.85
Medicare (1.45%)- $41.83
New York State Tax- $158.65
Net Pay$2,210.29

Annual Summary

Gross Annual Income$75,000.00
Federal Income Tax- $7,670.00
FICA (SS + Medicare)- $5,737.50
New York State Tax (estimate)- $4,125.00
Total Deductions & Tax- $17,532.50
Annual Take-Home Pay$57,467.50
Monthly Take-Home$4,788.96

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

New York Tax Overview

A New York paycheck passes through more hands than most. The federal layer is universal: income tax withheld per your W-4, Social Security at 6.2% on wages up to the $184,500 base, and Medicare at 1.45% on every dollar. New York then adds a progressive state income tax that climbs through nine brackets to a top rate of 10.9%, plus a State Disability Insurance deduction of 0.5% of wages and a separate Paid Family Leave premium. Live or work in New York City and a municipal income tax of 3.078% to 3.876% stacks on as well.

Those extra lines are what make a New York stub look busy. SDI is capped at roughly sixty cents a week under the state's Disability Benefits Law, so it's a small fixed bite, while the PFL premium is a percentage of wages set each year by the state. A Yonkers resident carries a 16.75% surcharge on their state tax on top of everything. Pre-tax 401(k) money, up to the $24,500 deferral limit, trims the federal and state income tax pieces but not Social Security or Medicare.

New York Key Rates & Limits (2026)

State Income Tax progressive (up to 10.9%)
State Sales Tax 0.04%
Avg. Property Tax Rate 0.0162%
Minimum Wage $17/hr
State Disability Insurance (SDI) Yes (0.005%)
Paid Family Leave Yes
Local/City Income Tax New York City residents pay an additional city income tax of 3.078% to 3.876%. Yonkers residents pay a surcharge of 16.75% of their state tax. The Metropolitan Commuter Transportation Mobility Tax (MCTMT) may also apply.

Official Sources:

New York Paycheck FAQ

What gets withheld from a New York paycheck?
Expect federal income tax, Social Security (6.2% to the $184,500 wage base), and Medicare (1.45% on all wages), then New York state income tax on a progressive scale topping out at 10.9%. New York also deducts State Disability Insurance at 0.5% of wages and a Paid Family Leave premium. If you live or work in New York City, a city income tax of 3.078% to 3.876% comes out too.
What is the SDI line on my New York stub?
It's the State Disability Insurance contribution under New York's Disability Benefits Law, set at 0.5% of wages and capped at about $0.60 a week, so it tops out near $31 a year. It funds short-term disability benefits when you can't work because of an off-the-job illness or injury. Paid Family Leave is a separate premium that covers bonding and family-care leave.
Why is my New York City paycheck smaller than a coworker's upstate?
New York City residents owe a municipal income tax of 3.078% to 3.876% on top of state tax, which someone living in Buffalo or Albany never pays. That city layer can shave several percent off take-home pay at the same salary. Yonkers residents face a different surcharge of 16.75% applied to their state tax liability.
Do 401(k) contributions reduce New York withholding?
Yes. Traditional pre-tax 401(k) contributions, up to the $24,500 elective deferral limit, lower the wages subject to both federal and New York state income tax, and they also reduce the base for New York City tax if you owe it. They do not reduce Social Security, Medicare, SDI, or the PFL premium, which are figured on gross pay. Roth contributions come out after tax and don't cut current withholding.