New York Paycheck Calculator

About the New York paycheck calculator

Use this New York paycheck calculator to estimate take-home pay after federal withholding, FICA, New York state income tax, and any local payroll taxes that may apply to places such as New York City or Yonkers.

New York payroll is more complex than in many states because withholding can include progressive state income tax, local tax exposure, and state-specific withholding rules through Form IT-2104.

How New York paycheck withholding works

A New York paycheck usually starts with gross pay. Payroll then subtracts pre-tax deductions, applies federal withholding, Social Security, Medicare, New York state income tax, and any required post-tax deductions.

If a worker lives in New York City or Yonkers, local income tax can also reduce take-home pay. That is one reason New York paycheck estimates often need more explanation than pages for simpler states.

New York state and local tax details

New York uses a progressive state income tax system, so withholding depends on income level, filing setup, and payroll details. This makes paycheck estimates more variable than in flat-tax states.

Local payroll taxes also matter. NYC residents and some Yonkers taxpayers may see additional withholding that does not apply in most other areas of the state.

What can change your New York take-home pay

The biggest variables are filing status, multiple jobs, overtime, bonus withholding, retirement contributions, health insurance, and local tax exposure in places like NYC or Yonkers.

If net pay looks lower than expected, the most common causes are state tax, local tax, and pre-tax benefit choices rather than the gross salary number alone.

New York state income tax structure (2026)

New York uses a nine-bracket progressive state income tax ranging from 4% on the first ~$8,500 of taxable income (single) to 10.9% on income above ~$25 million. Most middle-income New York workers ($60,000–$200,000 single) hit the 6.0%–6.85% marginal rates.

Brackets are indexed periodically; verify current figures with the New York State Department of Taxation and Finance at tax.ny.gov.

NYC and Yonkers local income tax

If you live in one of the five boroughs of New York City, your paycheck includes NYC personal income tax in addition to state tax. NYC rates run from about 3.078% to 3.876% across four brackets and apply to NYC residents regardless of where they work.

Yonkers residents pay a surcharge equal to roughly 16.75% of their New York State income tax. Non-resident commuters into Yonkers pay a smaller earnings tax of about 0.5%. Use the local-tax override fields above if you live in either city.

New York withholding: Form IT-2104

New York uses Form IT-2104 (Employee's Withholding Allowance Certificate) to set state and NYC/Yonkers withholding, separate from the federal Form W-4. The IT-2104 has dedicated lines for additional New York State, NYC, and Yonkers withholding — useful if you have significant non-wage income or multiple jobs and tend to owe at year-end.

Example New York paycheck at $75,000, single, biweekly

A single filer earning $75,000 in New York (state only, no NYC), paid biweekly with no pre-tax deductions, has gross pay of about $2,884.62 per period. Federal withholding runs roughly $300–$340, FICA is $220.67, and New York state withholding is about $135–$160 per period.

Estimated take-home pay lands near $2,160–$2,210 biweekly. If the same employee lives in NYC, add roughly $90–$110 of NYC withholding per biweekly check, dropping take-home to about $2,055–$2,115 — a difference of roughly $2,300–$2,500 per year just for the NYC residency.

What can change your New York take-home pay

The biggest levers are residency (NYC, Yonkers, or other), pre-tax 401(k) and 403(b) contributions, HSA contributions, Section 125 health premiums, dependent-care FSA contributions, and your IT-2104 entries. Bonuses are typically withheld at the federal supplemental rate (22%) plus New York's supplemental rate of 11.7% for state and an additional 4.25% if you're an NYC resident, plus FICA — making large NY bonuses look heavily taxed at payout.

New York paycheck — official sources

For New York State rates, brackets, and Form IT-2104, see the New York State Department of Taxation and Finance (tax.ny.gov). For NYC personal income tax, see NYC Finance (nyc.gov/finance).

For federal withholding methodology, see IRS Publication 15-T (irs.gov/pub/irs-pdf/p15t.pdf) and the IRS Tax Withholding Estimator (irs.gov/individuals/tax-withholding-estimator).

New York paycheck — methodology and sources

Tax structure: New York uses progressive state income tax brackets, so the marginal rate increases with taxable income. State withholding is applied on top of federal withholding and FICA.

FICA: 6.2% Social Security up to the annual wage base, plus 1.45% Medicare on all wages (with an extra 0.9% above $200,000 for single filers). Pre-tax deductions like traditional 401(k), HSA, and most health-insurance premiums lower the wages subject to federal (and usually state) income tax.

Local taxes (city, county, or school district) can apply in some areas and are not always reflected in a single statewide rate. For the most accurate withholding, verify against current guidance from the IRS (Publication 15-T) and the relevant New York state tax agency.

Useful references: IRS Publication 15-T (https://www.irs.gov/pub/irs-pdf/p15t.pdf), the IRS Tax Withholding Estimator (https://www.irs.gov/individuals/tax-withholding-estimator), and the Federation of Tax Administrators directory of state tax agencies (https://taxadmin.org/state-tax-agencies/).