New York Paycheck Calculator 2026 — NY & NYC Take-Home Pay

State income tax3.9%–10.9%

$60K salary take-home$47,457

$25/hr weekly take-home$798

Total tax rate at $60K20.9%

New York paycheck calculator 2026 rates

Pay type Salary Hourly

Yearly salary ($)

Pay frequency Filing status

I live in New York City (adds NYC income tax)

More options: 401(k), health insurance, local tax

401(k) contribution (% of pay) Pre-tax health insurance ($ per paycheck)

Local income tax (%), e.g. city or county wage tax

Your estimated take-home pay

$1,825.25 per paycheck

$47,457 per year · $3,954.72 per month · paid every two weeks (biweekly)

Take-home 79.1% Taxes 20.9%

	Per paycheck	Per year
Gross pay	$2,307.69	$60,000.00
Federal income tax	−$193.08	−$5,020.00
Social Security (6.2%)	−$143.08	−$3,720.00
Medicare (1.45%)	−$33.46	−$870.00
New York state income tax	−$101.65	−$2,643.00
NY SDI	−$1.20	−$31.20
NY Paid Family Leave	−$9.97	−$259.20
Take-home pay	$1,825.25	$47,456.60

Federal tax bracket: 12%
Total tax rate (effective): 20.9%
State taxable income: $52,000

Estimate for tax year 2026 using the standard deduction. Your employer's withholding can differ slightly. How we calculate.

How your New York paycheck is calculated

Gross pay: salary ÷ pay periods, or hourly rate × hours (+ overtime at 1.5× for hours over 40 in a week).
Pre-tax deductions: 401(k), 403(b), 457, health insurance, FSA and commuter benefits lower your taxable wages. New York follows the federal treatment for most of them.
Federal income tax: 2026 brackets after the $16,100 standard deduction (single).
FICA: Social Security 6.2% (up to $184,500) + Medicare 1.45% (+0.9% above $200,000).
New York State income tax: brackets from 3.9% to 10.9% after the NY standard deduction ($8,000 single).
Local income tax: NYC residents pay NYC tax; Yonkers residents pay a surcharge; non-residents working in Yonkers pay a small earnings tax.
NY SDI and Paid Family Leave: small employee contributions.
Net pay = gross − all taxes − deductions.

New York State income tax brackets

Taxable income (single, 2026)	Rate
$0 – $8,500	3.9%
$8,501 – $11,700	4.4%
$11,701 – $13,900	5.15%
$13,901 – $80,650	5.4%
$80,651 – $215,400	5.9%
$215,401 – $1,077,550	6.85%
$1,077,551 – $5,000,000	9.65%
$5,000,001 – $25,000,000	10.3%
Over $25,000,000	10.9%

New York's FY2026 budget cut the five lowest rates by 0.1 point for 2026 (another 0.1 point is scheduled for 2027). Rates above match the 2026 NYS-50-T-NYS withholding tables.

New York also uses a tax benefit recapture for high earners (above ~$107,650 AGI): the benefit of the lower brackets is gradually taken back, so very high earners pay their top rate on all income.

New York City income tax

If you live in any of the five boroughs, you pay NYC personal income tax. It doesn't matter where you work. Commuters who live outside NYC do not pay it.

NYC taxable income (single, 2026 — unchanged from 2025)	Rate
$0 – $12,000	3.078%
$12,001 – $25,000	3.762%
$25,001 – $50,000	3.819%
Over $50,000	3.876%

Yonkers tax

Yonkers residents: a surcharge of 16.75% of your net New York State tax.
Non-residents who work in Yonkers: 0.5% of wages earned there.

NY SDI and Paid Family Leave

SDI (disability): employees pay 0.5% of wages, capped at $0.60 per week ($31.20 a year).
Paid Family Leave (PFL): a percentage of wages up to an annual cap set every year. 2026: 0.432% of wages up to $95,348.76, so a maximum of $411.91 a year (2025: 0.388%, max $354.53).

Worked example: $75,000 salary, living in New York City

Single filer, paid every two weeks (26 paychecks), no pre-tax deductions.

Federal income tax (exact, 2026): taxable $75,000 − $16,100 = $58,900 → $1,240 + $4,560 + $1,870 = $7,670 FICA: Social Security $4,650; Medicare $1,087.50

NY State tax (2026 rates):

Taxable = $75,000 − $8,000 = $67,000
3.9% × 8,500 = $331.50; 4.4% × 3,200 = $140.80; 5.15% × 2,200 = $113.30; 5.4% × 53,100 = $2,867.40
= $3,453.00

NYC tax: on $67,000: $369.36 + $489.06 + $954.75 + $658.92 = ≈ $2,472.09

SDI: $31.20 · PFL: 0.432% × $75,000 = $324.00

Line	Yearly	Per paycheck (biweekly)
Gross pay	$75,000.00	$2,884.62
Federal income tax	$7,670.00	$295.00
Social Security	$4,650.00	$178.85
Medicare	$1,087.50	$41.83
NY State income tax	$3,453.00	$132.81
NYC income tax	$2,472.09	$95.08
NY SDI	$31.20	$1.20
NY Paid Family Leave	$324.00	$12.46
Take-home pay	$55,312.21	$2,127.39

Outside NYC (for example Albany or Buffalo), remove the NYC line: take-home rises to $57,784.30 a year ($2,222.47 per paycheck).

New York paycheck laws worth knowing

Minimum wage 2026: $17.00 in NYC, Long Island and Westchester; $16.00 in the rest of the state. Indexed to inflation from 2027.
Pay frequency: manual workers must be paid weekly (unless the employer has a DOL authorization); most other employees at least twice a month.
Overtime: 1.5× for hours over 40 a week (44 for residential employees who live in).
Pay stub: must show rates, hours, gross pay, deductions and net pay (Wage Theft Prevention Act).

How to take home more in New York

Increase 401(k) / 403(b) / 457 contributions. They reduce federal, state and city tax.
Use pre-tax commuter benefits (NYC employers with 20+ employees must offer them).
File a correct IT-2104. NY withholding doesn't automatically follow your federal W-4.
Check the NY Earned Income Credit and the NYC EITC if your income is lower.
Claim the federal overtime or tips deduction if it applies to you (federal only; New York has not adopted it, so state tax still applies).

Sources

IRS — Rev. Proc. 2025-32 · SSA — 2026 wage base
NYS Department of Taxation and Finance (tax.ny.gov) — NY, NYC and Yonkers withholding tables, IT-2104
NY Workers' Compensation Board / Paid Family Leave (paidfamilyleave.ny.gov) — PFL and SDI rates
NY Department of Labor (dol.ny.gov) — minimum wage, pay frequency

New York salary after taxes (2026)

Estimated take-home pay for a single filer paid biweekly, with no pre-tax deductions.

Salary	Total taxes	Take-home per year	Per paycheck
$30,000	$4,899	$25,101	$965.43
$50,000	$9,995	$40,005	$1,538.65
$60,000	$12,543	$47,457	$1,825.25
$75,000	$17,216	$57,784	$2,222.47
$100,000	$26,123	$73,877	$2,841.43
$150,000	$44,462	$105,538	$4,059.16

New York hourly wage after taxes

40 hours a week, single filer, paid weekly.

Hourly wage	Gross per week	Take-home per week	Take-home per year
$15.00	$600.00	$499.91	$25,995
$20.00	$800.00	$648.95	$33,745
$25.00	$1,000.00	$797.98	$41,495
$30.00	$1,200.00	$947.02	$49,245
$40.00	$1,600.00	$1,212.98	$63,075

Compare New York with nearby states

Take-home pay on a $60,000 salary (single, biweekly):

State	Take-home per year	Difference vs New York
New York	$47,457	—
New Jersey	$48,180	+$724
Pennsylvania	$48,506	+$1,049
Connecticut	$47,540	+$83
Massachusetts	$47,334	-$123
Vermont	$48,751	+$1,295

Frequently asked questions

Do I pay NYC tax if I work in Manhattan but live in New Jersey?

No. NYC income tax is based on where you live. You pay New York State tax as a non-resident on your NY wages, and New Jersey gives a credit for it.

What is NY PFL on my paycheck?

Paid Family Leave: a small payroll deduction that funds paid leave to bond with a new child, care for a family member, or for certain military events.

What is NY SDI on my paycheck?

New York State Disability Insurance, which covers off-the-job injury or illness. Employees pay at most $0.60 per week.

Does New York have local income taxes besides NYC?

Only Yonkers. Other cities and counties in New York do not tax wages.

What percentage of my paycheck goes to taxes in New York?

For a single filer earning $75,000, about 26% in New York City and about 23% elsewhere in New York State, including federal tax, FICA, state tax, SDI and Paid Family Leave.

Is New York's 10.9% rate on all income?

No. The 10.9% rate applies only to taxable income over $25 million.

Other states

Pick your state to see its 2026 income tax, payroll deductions and example take-home pay.