United States · Calculator

New York Paycheck Calculator 2026

Enter your pay, filing details and where you live to see a New York paycheck after federal, state and local tax, SDI and Paid Family Leave for tax year 2026.

Tax year 2026 · IRS Publication 15-T (2026) · IRS Publication 15 (2026) · NYS Department of Taxation and Finance, NYS-50-T (2026) · checked September 29, 2026Sources

Each state has its own page and its own tax rules.

Your gross pay before any tax or deduction: a yearly salary or an hourly rate.

Pay type

Salary is an amount per year; hourly is an amount per hour.

Shown for hourly pay. Your usual total hours in a week.

How often you are paid: weekly, biweekly (every two weeks), semimonthly (twice a month) or monthly.

Filing status

As marked in Step 1(c) of your 2020-or-later Form W-4: single or married filing separately, married filing jointly, or head of household.

More deductions 401(k), HSA, W-4 steps 3–4, state form

The share of each paycheck sent to a traditional 401(k) before tax. It lowers federal income tax wages, not Social Security or Medicare wages.

Health savings account contributions made through payroll under a cafeteria plan.

Health, dental or vision premiums and similar deductions taken before tax.

The total from Step 3 of your Form W-4.

Income not from jobs that you asked to have withholding on.

Deductions beyond the standard deduction, as entered on your W-4.

Any additional federal amount withheld each pay period.

The filing status on your California Form DE 4, Employee's Withholding Allowance Certificate. It can differ from your federal W-4.

The filing status on your New York Form IT-2104, Employee's Withholding Allowance Certificate. It can differ from your federal W-4.

The filing status on your New Jersey Form NJ-W4.

The filing status on your North Carolina Form NC-4 or NC-4 EZ, which can differ from your federal W-4.

The Georgia filing status on Form G-4, Employee's Withholding Allowance Certificate. It sets the Georgia standard deduction used in withholding.

The rate table letter selected on Form NJ-W4, if you chose one; otherwise the table set by your filing status is used.

New York City, Yonkers, or elsewhere. New York City and Yonkers taxes are withheld from residents; the choice follows your home address, not your office.

Tick this if you work in Yonkers but live outside it. Yonkers withholds a nonresident earnings tax on those wages.

The number on Line 1 of your Form IL-W-4, Employee's and other Payee's Illinois Withholding Allowance Certificate. With no IL-W-4 on file, your employer uses zero.

The number on Line 2 of your IL-W-4, for age 65 or older, legal blindness, or the same for your spouse. Each one lowers the wages Illinois tax is figured on by $1,000 a year (Illinois Department of Revenue, IL-700-T (2026)).

The number of allowances claimed on Form DE 4. Each allowance lowers California withholding by $168.30 a year (EDD, California Employer's Guide (DE 44) (2026)).

Extra allowances claimed on Form DE 4 for itemized deductions.

The number of New York allowances claimed on Form IT-2104 (the same count applies to New York City and Yonkers withholding).

The number of New Jersey withholding allowances claimed.

The number of North Carolina withholding allowances claimed on Form NC-4.

The number of dependents claimed on Form G-4.

The number of personal and dependent exemptions claimed on Form VA-4, Employee's Virginia Income Tax Withholding Exemption Certificate.

Exemptions for age or blindness, claimed separately on Form VA-4.

The number of Ohio exemptions claimed on Form IT 4, Employee's Withholding Exemption Certificate.

The number of exemptions claimed on Form MI-W4, Employee's Michigan Withholding Exemption Certificate.

Detroit is the only Michigan city included so far: say whether you live there or only work there, because residents and non-residents pay different rates. Other Michigan cities with an income tax are being added.

For people who live or work in Philadelphia, the city's wage tax applies in place of the usual local earned income tax withholding, with separate resident and non-resident rates.

Any extra New York State, New York City or Yonkers amount you asked your employer to withhold.

New York taxes wages with graduated rates from 3.9% to 11.7%, adds New York City or Yonkers tax for residents, and withholds SDI and Paid Family Leave from each paycheck (New York State Department of Taxation and Finance, NYS-50-T (2026)).

Take-home pay per paycheck live

$2,221.23

$57,751.98 a year · every 2 weeks (26 paychecks)

  • Gross pay per paycheck$2,884.62
  • Federal income tax−$295.00
  • Social Security−$178.85
  • Medicare−$41.83
  • New York State income tax−$134.05
  • NY SDI (disability)−$1.20
  • NY Paid Family Leave−$12.46
  • Take-home pay per paycheck$2,221.23
  • Take-home pay per year$57,751.98

Estimate for tax year 2026 based on IRS Publication 15-T (2026) · IRS Publication 15 (2026) · NYS Department of Taxation and Finance, NYS-50-T (2026). Not tax, legal or financial advice. Your employer's payroll may differ.

Compare two scenarios

Put the same salary side by side as a New York City resident and as a resident of elsewhere in New York, and see the city tax line on its own. The link keeps both.

A blank paycheck stub lying on an office desk beside a pen.

How it works

The calculator takes your gross pay for one pay period, subtracts the pre-tax deductions you entered, and works out each tax on its own line. Federal income tax follows the percentage method in IRS Publication 15-T (2026), Federal Income Tax Withholding Methods, using your W-4 entries. Social Security is 6.2% of wages up to $184,500 for the year (SSA; IRS Publication 15 (2026)). Medicare is 1.45% of all wages, plus Additional Medicare Tax of 0.9% on wages over $200,000 (IRS Publication 15 (2026)).

New York State income tax follows the exact calculation method in New York State Department of Taxation and Finance, NYS-50-T-NYS (2026), New York State, New York City, and Yonkers Withholding Tables and Methods. Your yearly wages, less the New York deduction for your IT-2104 filing status and $1,000 for each allowance, are taxed across the state's graduated brackets from 3.9% to 11.7%.

New York has two local income taxes that employers withhold, both from the same NYS-50-T-NYS (2026) publication:

  • New York City: residents of the five boroughs pay city income tax at graduated rates from 2.05% to 4.25%. People who work in the city but live outside it do not pay New York City income tax.
  • Yonkers: residents pay a surcharge of 16.75% of their net New York State tax. People who work in Yonkers but live elsewhere pay a nonresident earnings tax of 0.5% of wages earned there.

Two state payroll programs also come out of a New York paycheck. Disability benefits (SDI) are 0.5% of wages, up to $0.60 a week (New York State Workers' Compensation Board, 2026). Paid Family Leave is 0.432% of wages, up to $411.91 for the year (New York State Department of Financial Services, 2026). Some employers pay part or all of the SDI share themselves; the calculator shows the most an employer may take from your pay.

Not included: the Metropolitan Commuter Transportation Mobility Tax, which is paid by employers and the self-employed rather than withheld from wages; employer-paid unemployment insurance; after-tax deductions; garnishments; bonuses and other supplemental wages; and any refund or balance due when you file. Your employer's payroll may round differently or use the NYS-50-T wage bracket tables instead of the exact method.

Worked example

Take a $75,000 salary paid biweekly, filing single on both the W-4 and the IT-2104 with no allowances, for someone who lives in Brooklyn. Gross pay is $75,000 divided by 26 paychecks, which is $2,884.62. Federal withholding under Pub 15-T is $295.00, Social Security is $178.85 and Medicare is $41.83. New York State withholding is $134.05, and because Brooklyn is part of New York City, city withholding adds $102.33. SDI is $1.20 and Paid Family Leave is $12.46. Take-home pay is $2,118.90 per paycheck. The same salary for someone living in Albany drops the city line, for take-home pay of $2,221.23.

Frequently asked questions

How much is taken out of a paycheck in New York?

A New York paycheck has federal income tax, Social Security, Medicare, New York State income tax, SDI and Paid Family Leave withheld, plus New York City or Yonkers tax if you live there. In the Brooklyn example above the total comes to 26.5% of gross pay.

Do I pay New York City tax if I work in NYC but live in New Jersey or Long Island?

No. New York City income tax is withheld only from city residents, so a commuter who lives outside the five boroughs has no city tax line (New York State Department of Taxation and Finance, NYS-50-T-NYS (2026)).

What are SDI and PFL on a New York pay stub?

SDI is the employee share of New York disability benefits, 0.5% of wages up to $0.60 a week. PFL is Paid Family Leave, 0.432% of wages up to $411.91 for 2026 (New York State Department of Financial Services).

What is the Yonkers tax on a paycheck?

Yonkers residents pay a surcharge of 16.75% of their New York State tax, and nonresidents who work in Yonkers pay 0.5% of the wages earned there (NYS-50-T-NYS (2026)).

What is the IT-2104?

Form IT-2104 is New York's Employee's Withholding Allowance Certificate, used for state, New York City and Yonkers withholding. The calculator takes its filing status and allowances separately from your federal W-4.