New York Paycheck Calculator
Estimate your 2026 New York take-home pay after federal income tax, New York State income tax, Social Security and Medicare.
New York uses a graduated individual income-tax system. NYC and Yonkers can have additional local income taxes.
New York Paycheck Calculator 2026
The New York Paycheck Calculator estimates your take-home pay after federal income tax, New York State income tax, Social Security and Medicare.
New York has a progressive state individual income-tax system. This means that your entire income is not necessarily taxed at your highest marginal rate.
Employees who live or work under New York’s tax rules may have New York State income tax withheld from their paychecks.
New York State Income Tax Rates
New York uses graduated income-tax rates. The applicable rate depends on taxable income, filing status and other factors.
| Tax Rate | New York Tax System |
|---|---|
| 4.00% | Lowest marginal rate |
| 4.50% | Next marginal bracket |
| 5.25% | Next marginal bracket |
| 5.50% | Next marginal bracket |
| 6.00% | Middle/high-income bracket |
| 6.85% | Higher-income bracket |
| 9.65% | Higher-income bracket |
| 10.30% | High-income bracket |
| 10.90% | Highest marginal rate |
New York’s actual tax calculation depends on filing status and taxable income. The calculator therefore uses a progressive calculation rather than simply multiplying the entire salary by one tax rate.
New York City Income Tax
New York City residents can be subject to a separate New York City personal income tax in addition to New York State income tax.
Use the location selector above if the employee is a New York City resident.
Yonkers Income Tax
Yonkers has a separate resident income-tax surcharge. Employees subject to Yonkers resident taxation may therefore have additional local tax obligations.
Federal Payroll Taxes in 2026
New York employees are also subject to federal payroll taxes. For 2026, the employee Social Security rate is 6.2% and the Social Security wage base is $184,500. Medicare is 1.45% with no wage base limit. [oai_citation:1‡Internal Revenue Service](https://www.irs.gov/taxtopics/tc751?utm_source=chatgpt.com)
| Federal Payroll Tax | Employee Rate | 2026 Limit |
|---|---|---|
| Social Security | 6.2% | $184,500 |
| Medicare | 1.45% | No wage limit |
| Additional Medicare | 0.9% | Withholding above $200,000 |
New York Paycheck Frequency
- Weekly: 52 paychecks per year
- Biweekly: 26 paychecks per year
- Semi-monthly: 24 paychecks per year
- Monthly: 12 paychecks per year
New York Paycheck Examples
| Annual Salary | What Can Affect Take-Home Pay? |
|---|---|
| $40,000 | Federal tax, NY State tax and FICA |
| $60,000 | Federal tax, NY State tax and FICA |
| $100,000 | Federal tax, NY State tax and FICA |
| $150,000 | Federal tax, NY State tax and FICA |
Why Your Actual New York Paycheck May Be Different
- Federal Form W-4
- New York withholding information
- Filing status
- New York City residency
- Yonkers residency
- Pre-tax retirement contributions
- Health insurance deductions
- HSA contributions
- Additional federal withholding
- Tax credits and deductions
- Employer payroll practices
New York Paycheck Calculator FAQ
New York State Department of Taxation and Finance — New York individual income-tax and withholding information.
Internal Revenue Service — 2026 federal withholding, Social Security and Medicare information.
The 2026 federal Social Security wage base is $184,500 and the employee Social Security rate is 6.2%. [oai_citation:3‡Internal Revenue Service](https://www.irs.gov/taxtopics/tc751?utm_source=chatgpt.com)
This calculator is for informational and planning purposes only. It is not tax, legal or financial advice and is not an official government calculator. Actual paycheck amounts may differ because of withholding forms, credits, deductions, benefits, retirement plans, insurance and employer payroll calculations.