New York Paycheck Calculator 2026

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.

On a $60,000 salary, New York's graduated income tax, topping out at 10.9%, costs up to roughly $6,540 a year before deductions — on top of $4,590 in federal FICA, which is the same in every state. 39 of the 42 states that tax income charge less than New York at the top rate.

The state minimum wage is $17.00/hr , above the federal $7.25 floor — about $35,360 a year at 40 hours a week. New York also withholds for state disability insurance and paid family leave, which most states do not. Local jurisdictions add their own layer on top — see the note below.