Last updated: September 2026

New York Paycheck Calculator

A single filer earning $75,000 in New York keeps about $57,784 a year outside New York City, or $2,222 every two weeks. Inside the city, where residents pay a second income tax, it is about $55,312. Every New York paycheck also carries two small insurance deductions, Paid Family Leave and disability.

New York tax data current for 2025 & 2026 · 2027 available as a projection · Updated for the One Big Beautiful Bill Act

Estimate Your Take-Home Pay

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Pre-Tax Deductions (optional)
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Reduces taxable income. Does not reduce Social Security or Medicare.

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Section 125 plan — reduces income tax and FICA.

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Reduces income tax and FICA.

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From Step 4(c) of your W-4.

Results update automatically as you type.

Estimated Take-Home Pay
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per paycheck
Item Per Check Annual
Gross Pay — —
Federal Income Tax — —
Social Security (6.2%) — —
Medicare (1.45%) — —
Take-Home Pay — —
Effective Tax Rate
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all taxes combined
Total Deductions
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per paycheck

Estimates federal, state, and select city taxes. Actual withholding may vary.

New York Salary After Taxes at Common Pay Levels (2026)

Take-home pay for a single filer in New York after federal income tax, Social Security and Medicare, New York state income tax, and the NY PFL + SDI premium. Based on the 2026 IRS tables and the New York state 2026 schedule.

Annual Salary Federal Tax FICA NY Tax SDI Take-Home Effective Rate
$40,000 $2,620 $3,060 $1,563 $204 $32,553 18.6%
$60,000 $5,020 $4,590 $2,643 $290 $47,457 20.9%
$80,000 $8,770 $6,120 $3,723 $377 $61,010 23.7%
$100,000 $13,170 $7,650 $4,860 $443 $73,877 26.1%
$150,000 $24,734 $11,475 $7,810 $443 $105,538 29.6%
$200,000 $36,734 $14,339 $10,760 $443 $137,724 31.1%

Single filer, no pre-tax deductions. Assumes year-round wages; standard deduction applied. Effective rate counts every deduction shown, including SDI. The federal brackets, standard deduction and Social Security wage base behind these figures are on the 2026 tax figures page.

New York Take-Home Pay by Pay Frequency (2026)

The same New York take-home figures divided across common pay schedules — what actually lands in your account each payday, after federal tax, FICA, New York state income tax, and the NY PFL + SDI premium.

Annual Salary Weekly52/yr Biweekly26/yr Semi-Monthly24/yr Monthly12/yr
$40,000 $626 $1,252 $1,356 $2,713
$60,000 $913 $1,825 $1,977 $3,955
$80,000 $1,173 $2,347 $2,542 $5,084
$100,000 $1,421 $2,841 $3,078 $6,156
$150,000 $2,030 $4,059 $4,397 $8,795
$200,000 $2,649 $5,297 $5,739 $11,477

Biweekly and semi-monthly are not the same thing. Biweekly means every other Friday — 26 paychecks a year, so two months each year contain three paydays. Semi-monthly means twice a month (often the 15th and the last day) — 24 slightly larger paychecks. On a $40,000 salary in New York, that difference is about $104 per check. Annual take-home is identical either way.

Single filer, no pre-tax deductions. Divides annual take-home evenly; real paychecks vary slightly with withholding rounding and benefit deductions.

What's different about a New York paycheck

Paid Family Leave and disability come out after tax

For 2026 Paid Family Leave costs 0.432% of each paycheck, up to $411.91 for the year, and disability insurance 0.5% of wages up to 60 cents a week, or $31.20 a year. Both are taken from your after-tax pay, so they don't reduce your taxable wages. On $75,000 they come to about $355 a year. The tables on this page include them.

Living in the city means a second income tax

If you live in New York City, your employer also withholds city income tax, which runs from 3.078% to 3.876% of New York taxable income: about $2,472 a year on $75,000, or $95 per biweekly check. It follows where you live, not where you work, so people who commute in from New Jersey, Connecticut, or the suburbs don't pay it. Choose New York City in the calculator to include it.

Yonkers takes a share of your state tax

Yonkers residents have an extra 16.75% of their New York State withholding taken out as a city surcharge. People who work in Yonkers but live elsewhere have 0.5% of their wages withheld instead. The calculator includes the resident surcharge but not the nonresident tax.

Withholding runs on the IT-2104

New York withholding for state, city, and Yonkers tax is set by Form IT-2104, not your federal W-4. Review it when you move into or out of New York City, since the city tax depends on where you live.

Bonuses are withheld at 11.70%

A bonus paid separately from regular wages can be withheld at New York's flat supplemental rate of 11.70%, plus 4.25% for New York City residents. With the federal 22%, Social Security, Medicare, and Paid Family Leave, a $10,000 bonus outside the city arrives as about $5,822.

Manual workers are paid weekly

New York labor law requires manual workers to be paid every week, unless their employer has state permission to pay less often. Clerical and other workers must be paid at least twice a month.

Two minimum wages

For 2026 the minimum wage is $17.00 an hour in New York City, Long Island, and Westchester, and $16.00 in the rest of the state. Tipped food service workers can be paid a lower cash wage, $11.35 and $10.70 respectively, with tips making up the difference.

For the annual picture, including capital gains, credits, and filing deadlines, see the New York income tax calculator.

New York Income Tax Brackets (2026)

Tax RateSingle FilerMarried Filing Jointly
3.9%$0 – $8,500$0 – $17,150
4.4%$8,500 – $11,700$17,150 – $23,600
5.15%$11,700 – $13,900$23,600 – $27,900
5.4%$13,900 – $80,650$27,900 – $161,550
5.9%$80,650 – $215,400$161,550 – $323,200
6.85%$215,400 – $1,077,550$323,200 – $2,155,350
9.65%$1,077,550 – $5,000,000$2,155,350 – $5,000,000
10.3%$5,000,000 – $25,000,000$5,000,000 – $25,000,000
10.9%Over $25,000,000Over $25,000,000
Standard Deduction
$8,000 single · $16,050 joint

Brackets shown are marginal: each rate applies only to the portion of taxable income within that bracket, not your total income. Taxable income equals gross wages minus pre-tax deductions and the standard deduction.

Top Cities in New York

The largest cities in New York, where local taxes may apply on top of state withholding, by U.S. Census Bureau estimate for July 1, 2025:

  • New York City — 8,584,629 residents
  • Buffalo — 274,613 residents
  • Yonkers — 212,603 residents
  • Rochester — 206,108 residents
  • Syracuse — 144,896 residents

How New York Compares to Neighboring States

Single-filer take-home on a $75,000 annual salary in 2026, federal + state income tax + FICA only:

State Take-Home vs. New York
New York (here) $58,140 —
Vermont $59,103 +$963
Massachusetts $58,063 -$77
Connecticut $58,118 -$22
New Jersey $58,997 +$857
Pennsylvania $59,290 +$1,151

Take-home reflects single filer, no pre-tax deductions; SDI/PFML and local taxes excluded for an apples-to-apples comparison.

Frequently Asked Questions

What is the New York state income tax rate?

New York has progressive income tax brackets ranging from 3.9% to 10.9%. Most middle-income earners hit the middle brackets; the top rate applies only above $25,000,000.

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

For a single filer earning $75,000 in New York (2026): about $7,670 in federal income tax, $5,738 in Social Security and Medicare, $3,453 in New York state income tax, and $355 for the NY PFL + SDI premium, leaving about $57,784 a year, or $2,222 per biweekly paycheck.

How much is Paid Family Leave in New York for 2026?

0.432% of each paycheck, up to $411.91 for the year. It comes out of after-tax wages. The separate disability deduction is 0.5% of wages, capped at 60 cents a week.

How much New York City tax comes out of a paycheck?

City residents pay 3.078% to 3.876% of New York taxable income. On a $75,000 salary that is about $2,472 a year, or $95 per biweekly check. Commuters who live outside the city pay none.

How are bonuses taxed in New York?

Employers can withhold a flat 11.70% for New York State, plus 4.25% for New York City residents, on a bonus paid separately. The actual tax is settled on your return.

What is the New York minimum wage in 2026?

$17.00 an hour in New York City, Long Island, and Westchester, and $16.00 elsewhere in the state.

More New York Calculators

New York Income Tax Calculator
Estimate New York state and federal income tax on your annual income.
New York Sales Tax
New York state and city sales tax rates, with a calculator.

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