New York Paycheck Calculator: 2026 Tax Rates + NYC
New York workers carry one of the heaviest paycheck tax burdens in the country. Three separate tax systems take a cut before your money hits the bank: federal income tax, New York State income tax, and (for those in the five boroughs or Yonkers) a local income tax on top of that. FICA pulls another 7.65 %. The layers add up fast. Use this New York paycheck calculator to see what you actually keep.
This New York paycheck calculator is free and built for the state. Select your filing status, enter your gross salary, and see exactly what you keep after federal taxes, NYS taxes, NYC or Yonkers taxes, and FICA deductions. Updated with the 2026 withholding rates, including the rate reductions New York enacted under Chapter 59 of the Laws of 2025 (A3009).
Quick version: A single filer earning $75,000 in New York State (outside NYC) keeps roughly $2,222 per biweekly paycheck after all taxes. That same earner inside New York City keeps about $2,120; the city’s additional withholding adds roughly $102 per pay period to the tax bill. New York’s 2026 withholding brackets range from 3.9 % to 10.9 %, with the first five brackets reduced by 0.1 percentage point each compared to 2025 under the state’s new budget law.
This calculator provides estimates for educational purposes, not tax or financial advice. Tax situations vary by filing status, deductions, and local jurisdiction. If you have questions about your specific paycheck, talk to a licensed tax professional or CPA in your state.
Paycheck Calculator
See your take-home pay after federal taxes, state taxes, FICA, and deductions. Select your state below. Adjust any value and results update in real time.
Paycheck Calculator: See Your Take-Home Pay | Last updated: March 2026
How to Use This Calculator
Enter your Annual Gross Salary using the slider or type it directly. Choose your Pay Frequency (weekly, bi-weekly, semi-monthly, monthly, or annual) and your Filing Status. The calculator is pre-set to New York, but you can switch states using the dropdown if you want to compare.
New York employees fill out Form IT-2104, the state’s own withholding certificate, alongside the federal Form W-4. The allowances you claim on those forms determine how much your employer withholds from each pay period.
If you contribute to a 401(k) or pay health insurance premiums through your employer, expand the Pre-Tax Deductions section. Enter your 401(k) Contribution as a percentage and your Health Insurance (Monthly) premium as a dollar amount. Both reduce your taxable income before federal and state taxes are calculated; the paycheck breakdown updates in real time.
The results show your Net Take-Home Pay as the headline figure, with a full breakdown of Federal Tax, State Tax, Social Security, Medicare, and any deductions. The Tax Details tab shows exactly how your income flows through each federal bracket.
One thing the tool does not do: it does not include New York City income tax, Yonkers surcharge, or MCTMT as separate line items. Municipal taxes in New York vary significantly by location; those details are covered below so you can factor them in manually.
New York State Income Tax Rates (2026)
New York’s personal income tax changed for 2026. Governor Hochul signed A3009 in May 2025, cutting the first five withholding brackets by 0.1 percentage point each starting January 1, 2026. The New York State Department of Taxation and Finance published revised withholding tables (Publication NYS-50-T-NYS, 1/26) on December 2, 2025, confirming the new rates. These reduced brackets apply to every paycheck issued on or after January 1, 2026, meaning the savings show up in your take-home pay right away rather than waiting until you file your return.
Here are the 2026 withholding rates for single and head-of-household filers:
| Bracket | Taxable Income Range | 2026 Rate | 2025 Rate |
|---|---|---|---|
| 1 | $0 – $8,500 | 3.90 % | 4.00 % |
| 2 | $8,500 – $11,700 | 4.40 % | 4.50 % |
| 3 | $11,700 – $13,900 | 5.15 % | 5.25 % |
| 4 | $13,900 – $80,650 | 5.40 % | 5.50 % |
| 5 | $80,650 – $96,800 | 5.90 % | 6.00 % |
| 6 | $96,800 – $107,650 | 7.03 % | 7.03 % |
| 7 | $107,650 – $157,650 | 7.53 % | 7.53 % |
| 8 | $157,650 – $215,400 | 6.40 % | 6.40 % |
| 9 | $215,400 – $265,400 | 11.44 % | 11.44 % |
| 10 | $265,400 – $1,077,550 | 7.35 % | 7.35 % |
Brackets 6 through 10 include recapture provisions that phase out the benefit of lower rates for higher earners. Above $1,077,550, New York applies flat withholding rates of 10.45 %, 11.10 %, or 11.70 % to all income depending on the level. The top statutory rate on annual returns is 10.9 %, the second highest state rate in the country after California’s 13.3 %.
Most New York workers earn in the lower brackets where these cuts apply. On a $75,000 salary, the 0.1 percentage point reductions save roughly $60 to $70 per year.
New York uses its own standard deduction for withholding, separate from the federal one. For 2026 withholding, it is $7,400 for single and head-of-household filers and $7,950 for married filers. The filing standard deduction is slightly higher: $8,000 for single, $16,050 for married filing jointly, and $11,200 for head of household. Both figures are substantially lower than the federal standard deduction of $16,100 (single) or $32,200 (married filing jointly), which means more of your income is exposed to state tax.
New York City Income Tax
NYC residents pay a separate city income tax on top of the state tax. The city withholding rates for 2026 are calculated using Publication NYS-50-T-NYC (1/26). The statutory rates for annual returns did not change for 2026; they range from 3.078 % to 3.876 % depending on income and filing status. The NYC supplemental withholding rate is 4.25 %.
| Bracket | Single / Married Filing Separately | Married Filing Jointly |
|---|---|---|
| 3.078 % | $0 – $12,000 | $0 – $21,600 |
| 3.762 % | $12,001 – $25,000 | $21,601 – $45,000 |
| 3.819 % | $25,001 – $50,000 | $45,001 – $90,000 |
| 3.876 % | Over $50,000 | Over $90,000 |
Here is what that means for your paycheck. A single filer earning $75,000 in NYC owes roughly $2,650 in city income tax per year. That same person working in Albany, Buffalo, or Rochester pays $0 in local income tax. The gap works out to about $102 per biweekly paycheck.
Yonkers Surcharge
Yonkers has its own system. Residents pay a surcharge equal to 16.75 % of their New York State tax liability (not 16.75 % of income; this distinction matters). Non-residents who work in Yonkers pay 0.5 % of wages earned in the city. These rates are confirmed in Publication NYS-50-T-Y (1/26).
MCTMT (Metropolitan Commuter Transportation Mobility Tax)
Self-employed individuals in the NYC metro area may owe the Metropolitan Commuter Transportation Mobility Tax (MCTMT). For 2026, the individual threshold increased to $150,000 in net self-employment earnings. If you earn above that threshold, the rate is 0.60 % in Zone 1 (the five boroughs) or 0.34 % in Zone 2 (Nassau, Suffolk, Westchester, Rockland, Dutchess, Orange, Putnam counties). Wage earners do not pay the individual MCTMT; it applies to self-employment income only. Employers in the MCTD pay their own employer-side MCTMT on payroll.
Federal Tax Brackets (2026)
Federal income tax, collected by the Internal Revenue Service (IRS), applies to everyone in New York. The 2026 brackets reflect the One Big Beautiful Bill Act (OBBBA), which made the seven TCJA rates permanent, and IRS Revenue Procedure 2025-32, which indexed the bracket thresholds for inflation.
The 2026 federal standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household.
| Bracket | Single | Married Filing Jointly |
|---|---|---|
| 10 % | $0 – $12,400 | $0 – $24,800 |
| 12 % | $12,400 – $50,400 | $24,800 – $100,800 |
| 22 % | $50,400 – $105,700 | $100,800 – $211,400 |
| 24 % | $105,700 – $201,775 | $211,400 – $403,550 |
| 32 % | $201,775 – $256,225 | $403,550 – $512,450 |
| 35 % | $256,225 – $640,600 | $512,450 – $768,700 |
| 37 % | Over $640,600 | Over $768,700 |
This is where most people get confused: a $75,000 salary does not mean you pay 22 % on $75,000. The math is marginal. You subtract the standard deduction first ($75,000 minus $16,100 = $58,900 taxable). Then each bracket applies only to the income within its range. The effective federal rate on $75,000 comes out to roughly 10.2 %, not 22 %.
FICA: Social Security and Medicare
Federal Insurance Contributions Act (FICA) taxes are flat and predictable. Social Security takes 6.2 % of your gross wages up to a cap of $184,500 in 2026. The maximum Social Security tax you can pay as an employee is $11,439, per the Social Security Administration. Medicare takes 1.45 % of all wages with no cap. High earners (above $200,000 for single filers or $250,000 for married filing jointly) pay an additional 0.9 % Medicare surtax that employers do not match.
On a $75,000 salary: Social Security = $4,650; Medicare = $1,088; Total FICA = $5,738. These numbers are the same whether you live in Manhattan or Montauk.
New York Paid Family Leave (2026)
One deduction that surprises many New York workers: Paid Family Leave (PFL). For 2026, the employee contribution rate is 0.432 % of gross wages per pay period. The maximum annual contribution is $411.91, based on the statewide average weekly wage (NYSAWW) of $1,833.63 per week, as confirmed by paidfamilyleave.ny.gov.
PFL covers up to 12 weeks of leave at 67 % of your average weekly wage, capped at $1,228.53 per week in 2026. It is employee-funded; your employer does not contribute. That 0.432 % comes straight from your paycheck.
New York Disability Benefits (DBL)
New York also requires Disability Benefits Law (DBL) coverage. Employees contribute 0.5 % of weekly wages up to a maximum of $0.60 per week, which totals a maximum of $31.20 per year. You may see this on your paystub labeled “DBL” or “NY SDI.” The amount is small, but it is an employee-paid deduction. Employers cover the remaining cost of the DBL policy.
Example: New York Paycheck Breakdown
Here is a concrete example. A $75,000 annual salary, single filer, biweekly pay, zero additional allowances, no 401(k), no health insurance deductions. Two scenarios side by side: one outside NYC and one inside.
| Line Item | Outside NYC (Annual) | Outside NYC (Biweekly) | Inside NYC (Annual) | Inside NYC (Biweekly) |
|---|---|---|---|---|
| Gross Pay | $75,000 | $2,885 | $75,000 | $2,885 |
| Federal Income Tax | −$7,670 | −$295 | −$7,670 | −$295 |
| NYS Income Tax | −$3,453 | −$133 | −$3,453 | −$133 |
| NYC Income Tax | $0 | $0 | −$2,650 | −$102 |
| Social Security (6.2 %) | −$4,650 | −$179 | −$4,650 | −$179 |
| Medicare (1.45 %) | −$1,088 | −$42 | −$1,088 | −$42 |
| NY PFL (0.432 %) | −$324 | −$12 | −$324 | −$12 |
| NY DBL | −$31 | −$1 | −$31 | −$1 |
| Net Take-Home Pay | ≈ $57,784 | ≈ $2,222 | ≈ $55,134 | ≈ $2,120 |
The NYC resident takes home about $102 less per paycheck. Over a year, that adds up to roughly $2,650 in additional city tax. That is the cost of living inside the five boroughs at this income level.
Wondering how your salary stacks up? The salary calculator by profession shows median pay for hundreds of jobs.
Run the numbers yourself using the calculator above. Adjusting your 401(k) Contribution to 6 % on a $75,000 salary reduces your taxable income by $4,500, which lowers both federal and state taxes. The net cost to your paycheck is about $3,700 rather than $4,500 because of the combined tax savings.
FAQ
What percent does New York take out of a paycheck?
New York State income tax ranges from 3.9 % to 10.9 % in 2026, depending on your taxable income and filing status. Most workers earning between $13,900 and $80,650 fall in the 5.4 % bracket. Add 7.65 % for FICA, and if you live in NYC, another 3.078 % to 3.876 % for city tax. A typical middle-income earner in NYC loses about 26 % to 27 % of gross pay to all taxes combined.
How much is a $100,000 salary after taxes in New York?
A single filer earning $100,000 outside NYC keeps roughly $73,000 to $74,000 after federal tax, NYS tax, FICA, PFL, and DBL. Inside NYC, that drops to about $70,000 due to the city income tax. The exact figure depends on your filing status, allowances claimed on Form IT-2104, and pre-tax deductions like a 401(k) or health insurance.
Does New York have local income tax?
Two localities in New York levy their own income tax: New York City (3.078 % to 3.876 %) and Yonkers (a surcharge of 16.75 % of your state tax liability for residents; 0.5 % of wages for non-residents). The rest of New York State has no local income tax.
Did New York State income tax change for 2026?
Yes. The first five tax brackets were each reduced by 0.1 percentage point for tax year 2026, under legislation signed by Governor Hochul in May 2025 (Chapter 59, Laws of 2025, Part A). For example, the lowest rate dropped from 4.0 % to 3.9 %, and the $13,900-to-$80,650 bracket dropped from 5.5 % to 5.4 %. The top rate of 10.9 % did not change.
Is overtime taxed at a higher rate in New York?
No. Overtime is taxed at the same rates as regular income. Your employer’s payroll system withholds more per overtime check because it projects higher annual income based on that single pay period. When you file your return, the actual tax is calculated on your total annual earnings at the standard marginal rates. New York does have a supplemental withholding rate of 11.70 % that employers can apply to bonuses and commissions, which is sometimes confused with a higher overtime rate. That flat rate is a withholding convenience, not an actual separate tax. Additionally, under the federal One Big Beautiful Bill Act (OBBBA), the overtime premium portion of your pay is eligible for a federal income tax deduction of up to $12,500 ($25,000 for joint filers) for tax years 2025 through 2028. New York State does not conform to this federal deduction at the state level.
What is the New York Paid Family Leave deduction?
For 2026, employees contribute 0.432 % of gross wages toward New York Paid Family Leave, up to a maximum of $411.91 per year. This funds up to 12 weeks of paid leave at 67 % of your average weekly wage (capped at $1,228.53 per week). The deduction is taken from every paycheck until the cap is reached.
How does filing Head of Household affect my New York paycheck?
Filing as Head of Household gives you wider tax brackets at both the federal and state level. The federal standard deduction increases from $16,100 (single) to $24,150, and the New York State brackets start at higher thresholds. On a $75,000 salary, switching from Single to Head of Household can save roughly $1,400 in combined federal and state taxes per year, though the exact amount depends on your allowances and deductions.
Is New York City tax on top of state tax?
Yes. NYC income tax is a separate, additional tax. You pay federal tax, plus NYS tax, plus NYC tax. All three apply to NYC residents. Someone living in Westchester or Long Island pays only federal and state. The city tax is why NYC take-home pay is noticeably lower than the rest of the state at the same salary.
Sources
All tax rates and figures in this article come from official government sources:
- New York State Department of Taxation and Finance: Withholding tax rate changes (December 2, 2025)
- Publication NYS-50-T-NYS (1/26), revised NYS withholding tables effective January 1, 2026
- Publication NYS-50-T-NYC (1/26), NYC withholding tables
- Publication NYS-50-T-Y (1/26), Yonkers withholding tables
- NFC Bulletin: New York State Income Tax Withholding (March 5, 2026), exact calculation method with bracket tables
- IRS Revenue Procedure 2025-32, 2026 federal tax brackets and standard deductions
- Social Security Administration: Contribution and Benefit Base, 2026 wage base $184,500
- New York Paid Family Leave: 2026 Updates, contribution rate 0.432 %, maximum $411.91, NYSAWW $1,833.63, maximum weekly benefit $1,228.53
- CBIZ: Tax Provisions in New York State’s Fiscal Year 2026 Budget, A3009 analysis including MCTMT changes
This calculator provides estimates for educational purposes only. It is not tax, legal, or financial advice. Results may differ from your actual paycheck due to local taxes, additional deductions, or employer-specific withholding configurations. Consult a tax professional for your specific situation.
Your Neighboring States
For more state calculators, see the paycheck calculator for all 50 states. If you work across state lines, check the New Jersey paycheck calculator for NJ-specific deductions. Commuters heading to Pennsylvania can use the PA paycheck calculator to compare take-home pay. Connecticut commuters can check the Connecticut paycheck calculator for that state’s progressive brackets.
This calculator provides estimates for informational purposes only. Actual amounts may vary based on additional deductions, local taxes, and employer-specific withholdings. Consult your HR department or a licensed tax professional for exact figures.