Use this free New York paycheck calculator to see your 2026 take-home pay from a salary or an hourly wage. It shows every deduction: federal and New York State income tax, New York City or Yonkers tax, disability (SDI) and Paid Family Leave, Social Security and Medicare, per paycheck and per year.
How New York Paycheck Taxes Work: 2026 Guide
Updated for 2026. New York cut its rates on the first five tax brackets for 2026, so the lowest rate is now 3.9% and the rate most workers pay is 5.4% or 5.9%. Paid Family Leave is 0.432% of wages, up to $411.91 a year, and qualified tips can be subtracted from New York income from 2026. Every figure on this page comes from the New York State Department of Taxation and Finance, the Workers' Compensation Board, the IRS or SSA.
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How your New York paycheck is calculated
Every New York paycheck follows the same five steps. Your employer starts with your gross pay, removes pre-tax benefits, withholds federal, state and any local taxes, takes after-tax deductions and pays you the rest.
- Gross paySalary, or hours × rate, plus overtime, bonuses and tips
- Pre-tax deductions401(k), health premiums, HSA, FSA, commuter benefits
- TaxesFederal and New York income tax, NYC or Yonkers tax, Social Security, Medicare, SDI and Paid Family Leave
- After-tax deductionsRoth 401(k), union dues, garnishments
- Net payThe take-home amount paid to you
What is taken out of a New York paycheck in 2026
| Deduction | 2026 rate | Applies to | Who sets it |
|---|---|---|---|
| Federal income tax | 10% to 37% by bracket | Taxable wages after the federal standard deduction | IRS, through your W-4 |
| New York State income tax | 3.9% to 10.9% | Taxable wages after the New York standard deduction | NYS Tax Department, through your IT-2104 |
| Social Security | 6.2% | Wages up to $184,500 | SSA |
| Medicare | 1.45%, plus 0.9% over $200,000 | All wages | IRS |
| Disability benefits (SDI) | 0.5% | Up to $0.60 a week ($31.20 a year) | Workers' Compensation Board |
| Paid Family Leave | 0.432% | Wages up to $95,348.76 (maximum $411.91) | Department of Financial Services |
| New York City tax | 3.078% to 3.876% | NYC residents only | New York City |
| Yonkers tax | 16.75% of state tax (residents); 0.5% of wages (nonresidents who work there) | Yonkers residents and workers | City of Yonkers |
New York income tax brackets for 2026
New York taxes income in nine brackets from 3.9% to 10.9%. The 2026 rates on the first five brackets are 0.1 point lower than in 2025 (3.9% instead of 4%, up to 5.9% instead of 6%). The bracket amounts are not indexed for inflation. These are the 2026 rate schedules in Publication NYS-50-T-NYS from the New York State Department of Taxation and Finance.
| Rate | Single or married filing separately | Married filing jointly | Head of household |
|---|---|---|---|
| 3.9% | $0 to $8,500 | $0 to $17,150 | $0 to $12,800 |
| 4.4% | $8,500 to $11,700 | $17,150 to $23,600 | $12,800 to $17,650 |
| 5.15% | $11,700 to $13,900 | $23,600 to $27,900 | $17,650 to $20,900 |
| 5.4% | $13,900 to $80,650 | $27,900 to $161,550 | $20,900 to $107,650 |
| 5.9% | $80,650 to $215,400 | $161,550 to $323,200 | $107,650 to $269,300 |
| 6.85% | $215,400 to $1,077,550 | $323,200 to $2,155,350 | $269,300 to $1,616,450 |
| 9.65% | $1,077,550 to $5,000,000 | $2,155,350 to $5,000,000 | $1,616,450 to $5,000,000 |
| 10.3% | $5,000,000 to $25,000,000 | $5,000,000 to $25,000,000 | $5,000,000 to $25,000,000 |
| 10.9% | Over $25,000,000 | Over $25,000,000 | Over $25,000,000 |
A single filer earning $100,000 has $92,000 of New York taxable income after the $8,000 standard deduction. The tax is $4,191 on the first $80,650 plus 5.9% of the rest, or $4,860.65, about 4.9% of gross pay.
The tax benefit recapture. Once your New York adjusted gross income passes $107,650, New York gradually takes back the benefit of its lower brackets. Over the next $50,000 of income, your tax moves toward a flat rate on all of your taxable income. A single filer earning $150,000 pays $8,291, about $480 more than the brackets alone would give. The calculator applies the recapture automatically, which is why your marginal rate can look higher than your bracket in that range.
New York standard deduction and exemptions for 2026
- Standard deduction: $8,000 for single and married filing separately; $16,050 for married filing jointly and qualifying surviving spouse; $11,200 for head of household; $3,100 if someone can claim you as a dependent.
- Dependent exemption: $1,000 for each dependent. New York has no personal exemption for you or your spouse.
- Itemized deductions: You can itemize in New York even if you take the federal standard deduction, but state and local income taxes are not deductible.
- Credits: The Empire State Child Credit, the household credit and the New York earned income credit are claimed on your return, so they do not change your paychecks or this estimate.
Federal taxes on every New York paycheck
Federal income tax depends on your income, filing status and the choices on your W-4. For 2026 the brackets run from 10% to 37%, and the standard deduction is $16,100 for single filers, $32,200 for joint filers and $24,150 for heads of household (IRS).
- Social Security: 6.2% of wages up to $184,500 in 2026, a maximum of $11,439 (SSA).
- Medicare: 1.45% of all wages. Employers also withhold an extra 0.9% on wages above $200,000 in a year.
New York SDI and Paid Family Leave: what they are and how much you pay
New York has two small payroll contributions that fund benefits when you cannot work.
- Disability benefits (SDI or DBL): These pay part of your wages if an off-the-job injury or illness keeps you from working. Your employer may take 0.5% of your wages, but no more than $0.60 a week, which is $31.20 a year (Workers' Compensation Board). Some employers pay it for you.
- Paid Family Leave (PFL): This pays you while you bond with a new child, care for a seriously ill family member or help when a relative is called to military service. In 2026 you pay 0.432% of gross wages, up to $411.91 a year, and the maximum weekly benefit is $1,228.53 (NY Paid Family Leave).
On a $100,000 salary you pay $31.20 for disability and $411.91 for Paid Family Leave, $443.11 in total. PFL stops once your wages reach about $95,349, so higher earners pay the same maximum.
Local income taxes in New York: New York City and Yonkers
Only two places in New York tax wages. Choose where you live in the calculator and it adds the right tax.
- New York City: Residents of the five boroughs pay New York City income tax of 3.078% to 3.876% on their New York taxable income. On a $100,000 salary that is $3,441 a year, which cuts take-home pay to about $70,435. People who work in the city but live elsewhere do not pay it. See the NYC paycheck calculator for city residents and commuters.
- Yonkers residents: pay a surcharge of 16.75% of their New York State tax. On a $100,000 salary that is $814 a year.
- Yonkers nonresidents: who work in Yonkers pay an earnings tax of 0.5% of the wages they earn there.
No other New York city or county taxes your wages. Local sales and property taxes are separate and do not come out of your paycheck.
Take-home pay examples in New York for 2026
These results come from the calculator above for a single filer paid monthly, with no pre-tax deductions, living outside New York City and Yonkers:
| Salary | Federal tax | NY tax | Social Security + Medicare | SDI + PFL | Take-home per year | Per month | Total tax rate |
|---|---|---|---|---|---|---|---|
| $50,000 | $3,820 | $2,103 | $3,825 | $247 | $40,004 | $3,334 | 20.0% |
| $75,000 | $7,670 | $3,453 | $5,738 | $355 | $57,784 | $4,815 | 23.0% |
| $100,000 | $13,170 | $4,861 | $7,650 | $443 | $73,876 | $6,156 | 26.1% |
| $150,000 | $24,734 | $8,291 | $11,475 | $443 | $105,057 | $8,755 | 30.0% |
| $200,000 | $36,734 | $11,328 | $14,339 | $443 | $137,156 | $11,430 | 31.4% |
Living in New York City lowers these figures to about $38,497 on $50,000, $55,312 on $75,000, $70,435 on $100,000 and $99,678 on $150,000. A married couple filing jointly on $150,000 of combined pay takes home about $115,559 a year (23.0% in total taxes). An hourly worker on $25 an hour, 40 hours a week, earns $52,000 and takes home about $41,495 a year, or $3,458 a month.
For comparison, the same $100,000 salary takes home about $72,969 in California and $79,180 in Texas, which has no state income tax. Try it with our California paycheck calculator and Texas paycheck calculator.
Where a $75,000 New York salary goes in 2026
Single filer outside NYC, no pre-tax deductions, yearly amounts
Source: Digicalcy calculation using 2026 IRS, SSA, NYS Tax Department, WCB and Paid Family Leave rates.
How bonuses, overtime and tips are taxed in New York
- Bonuses: Employers usually withhold a flat 22% federal tax and a flat 11.70% New York State tax on bonuses, plus 4.25% for New York City residents (NYS-50-T-NYS and NYS-50-T-NYC). Social Security, Medicare and Paid Family Leave also apply. Your real tax is settled when you file. On a $100,000 salary the actual tax on a $10,000 bonus is about $3,582, so you keep about $6,418. See the bonus tax calculator.
- Overtime: New York pays 1.5 times the regular rate for hours over 40 in a week. There is no daily overtime rule. Overtime is taxed as ordinary wages. See the overtime calculator.
- Tips and the new federal deductions: The federal deductions for qualified tips (up to $25,000) and the overtime premium (up to $12,500, or $25,000 for joint filers) cover 2025 to 2028. From 2026 New York also lets you subtract up to $25,000 of qualified tips, following the federal rules (FY2027 budget summary). New York has no overtime deduction, so overtime is fully taxed by the state. Social Security, Medicare and PFL still apply to both.
How pre-tax deductions change your New York take-home pay
New York starts from your federal adjusted gross income, so pre-tax benefits lower state tax the same way they lower federal tax:
| Deduction | Federal income tax | New York income tax | Social Security and Medicare |
|---|---|---|---|
| Traditional 401(k), 403(b), 457 | Lowers | Lowers | No change |
| Health, dental and vision premiums | Lowers | Lowers | Lowers |
| HSA through payroll | Lowers | Lowers | Lowers |
| Health and dependent care FSA | Lowers | Lowers | Lowers |
| Transit and parking benefits | Lowers | Lowers | Lowers |
A $10,000 401(k) contribution on a $100,000 salary
Single filer outside NYC, 2026, yearly amounts
The contribution saves $2,790 in income tax, so take-home pay falls by only $7,210.
Salary or hourly pay in New York
For hourly pay, multiply your rate by your weekly hours and by 52. A full-time year is 2,080 hours. From January 1, 2026 the minimum wage is $17.00 an hour in New York City, Long Island and Westchester ($35,360 a year full time) and $16.00 an hour in the rest of the state ($33,280) (NY Department of Labor). A full-time worker on $17.00 an hour takes home about $29,095 a year outside New York City.
Salaried employees classed as exempt from overtime must earn at least $1,275 a week ($66,300 a year) in New York City, Long Island and Westchester, and $1,199.10 a week ($62,353.20 a year) in the rest of the state in 2026. Manual workers must generally be paid weekly.
Why your actual paycheck may differ from this estimate
- This calculator estimates your tax for the full year. Employers withhold using the IRS and New York withholding tables and your W-4 and IT-2104, so each check can be a little higher or lower.
- Withholding tables do not fully reflect the tax benefit recapture, so earners above $107,650 can owe a little more when they file.
- Bonuses are often withheld at flat rates (22% federal, 11.70% New York) instead of your real rate.
- Social Security stops once your wages pass $184,500, and Paid Family Leave stops at its yearly maximum, so late-year paychecks of high earners are larger.
- Credits such as the Empire State Child Credit and the earned income credit are claimed when you file, not through your paycheck.
How to increase your take-home pay in New York
- Check your federal withholding with the IRS Tax Withholding Estimator and update your W-4 and IT-2104 after a raise, a new job or a change in your family.
- Use pre-tax benefits such as a 401(k), HSA, FSA and commuter benefits. They lower both federal and New York tax.
- If your income is just above $107,650, pre-tax contributions also reduce the tax benefit recapture, so each dollar saves more than your bracket rate.
- Claim New York credits you qualify for when you file, such as the Empire State Child Credit and the New York earned income credit.
How this calculator works
The calculator estimates your full-year tax and divides it by your pay periods. It uses the 2026 federal brackets and standard deduction (Rev. Proc. 2025-32, including the 2025 tax law changes), New York's 2026 rate schedules with the tax benefit recapture, standard deductions and dependent exemptions, the New York City and Yonkers resident taxes, the 2026 disability and Paid Family Leave contributions and the 2026 Social Security wage base. For joint filers, enter combined household wages. Results are estimates, not tax advice.
Last reviewed: October 28, 2026.
New York Paycheck Calculator FAQs
How much is $100,000 after taxes in New York?
A single filer earning $100,000 in New York takes home about $73,876 a year in 2026, or $6,156 a month. That is after $13,170 federal income tax, $4,861 New York income tax, $7,650 Social Security and Medicare and $443 disability and Paid Family Leave. A New York City resident takes home about $70,435.
What percentage of my paycheck goes to taxes in New York?
For a single filer outside New York City in 2026, total taxes take about 20% of a $50,000 salary, 23% of $75,000, 26.1% of $100,000 and 30% of $150,000. New York City residents pay roughly 3 to 3.6 percentage points more because of the city income tax.
What is the New York state income tax rate?
New York's 2026 rates run from 3.9% to 10.9% across nine brackets. Most workers pay 5.4% or 5.9% on their top dollars: a single filer reaches 5.9% on taxable income above $80,650. Above $107,650 of income, New York also phases out the benefit of the lower brackets.
What is SDI and Paid Family Leave on my New York paycheck?
NY SDI is the disability benefits contribution: 0.5% of wages, no more than $0.60 a week or $31.20 a year. Paid Family Leave (PFL) funds paid time off to care for family. In 2026 it is 0.432% of wages, up to $411.91 a year.
Do I have to pay local income tax in New York?
Only if you live in New York City or Yonkers, or work in Yonkers. New York City residents pay 3.078% to 3.876% of taxable income. Yonkers residents pay 16.75% of their state tax, and nonresidents who work in Yonkers pay 0.5% of their wages. No other city or county taxes wages.
Is a New York salary calculator the same as a paycheck calculator?
For New York take-home pay, yes. Both estimate how much of your pay you keep after taxes and deductions. This calculator works for salaried and hourly workers and shows results per paycheck and per year.
How are bonuses taxed in New York?
Employers usually withhold a flat 22% federal tax and 11.70% New York State tax on bonuses, plus 4.25% for New York City residents. The real tax is settled on your return. On a $100,000 salary you keep about $6,418 of a $10,000 bonus outside New York City.
What is the minimum wage in New York in 2026?
From January 1, 2026 the minimum wage is $17.00 an hour in New York City, Long Island and Westchester, and $16.00 an hour in the rest of the state. Full time, that is $35,360 or $33,280 a year.
How is overtime paid in New York?
Most hourly workers get 1.5 times their regular rate for hours over 40 in a week. Overtime is taxed as ordinary wages. The federal overtime deduction lowers only federal income tax; New York has no overtime deduction, although it does let you subtract up to $25,000 of qualified tips from 2026.
More paycheck and tax calculators
- California Paycheck Calculator: take-home pay with state income tax and SDI
- Texas Paycheck Calculator: take-home pay with no state income tax
- Overtime Calculator: time and a half pay
- Bonus Tax Calculator: how much of a bonus you keep
- Federal Tax Withholding Calculator: check your W-4
- NYC Paycheck Calculator: take-home pay with New York City tax