New York·Updated for 2026·Figures in USD · New York State tax, NYC option, PFL and SDI included
New York Paycheck Calculator (2026)
New York takes state income tax, Paid Family Leave and a small disability deduction out of every paycheck, and New York City residents pay city income tax too. Enter your salary or hourly wage to see your take-home pay, worked out with the IRS's and New York's own 2026 methods.
Your pay
$
Before taxes
New York withholding (IT-2104)
Blank follows your federal status
Blank uses 0
W-4 details (optional)
$2,200 each
$500 each
$
$
Including the overtime or tips deduction you expect
$
Pre-tax deductions (optional)
Traditional, not Roth
%
$
Pre-tax premiums through your employer
Enter your salary. Your take-home pay appears here as you type — there is no button to press.
Calculating
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Federal income tax follows IRS Publication 15-T (2026), Worksheet 1A, for a W-4 from 2020 or later. Your employer may round to whole dollars.
Figures last verified October 25, 2026. Withholding follows IRS Publication 15-T for 2026; Social Security and Medicare follow Publication 15 for 2026; New York tax follows NYS-50-T (1/26).
New York take-home pay by salary
Single, paid every two weeks, with a standard W-4, 0 IT-2104 allowances, living outside New York City:
Salary
Gross per paycheck
Federal income tax
Social Security + Medicare
NY tax + PFL + SDI
Take-home per paycheck
Take-home per year
$40,000
$1,538.46
$100.77
$117.69
$69.21
$1,250.79
$32,520.58
$50,000
$1,923.08
$146.92
$147.11
$91.64
$1,537.41
$39,972.58
$60,000
$2,307.69
$193.08
$176.54
$114.07
$1,824.00
$47,424.06
$75,000
$2,884.62
$295.00
$220.68
$147.71
$2,221.23
$57,752.15
$100,000
$3,846.15
$506.54
$294.23
$206.08
$2,839.30
$73,842
If you live in New York City
The same salaries for a New York City resident, with city income tax added:
Salary
NY State tax
NYC tax
Take-home per paycheck
Take-home per year
$40,000
$61.36
$46.06
$1,204.73
$31,323.02
$50,000
$82.13
$62.02
$1,475.39
$38,360.06
$60,000
$102.90
$77.99
$1,746.01
$45,396.32
$75,000
$134.05
$102.33
$2,118.90
$55,091.57
$100,000
$188.26
$143.20
$2,696.10
$70,118.80
Hourly pay in New York
40 hours a week, paid weekly, single:
Hourly wage
Gross per week
Taxes per week
Take-home per week
Take-home per year
$15.00
$600.00
$100.74
$499.26
$25,961.52
$20.00
$800.00
$151.71
$648.29
$33,711.29
$25.00
$1,000.00
$202.67
$797.33
$41,461.16
Minimum wage in New York
New York has two minimum wages in 2026: $17.00 an hour in New York City, Nassau, Suffolk and Westchester counties, and $16.00 an hour in the rest of the state. Working 40 hours a week at $17.00, single and paid weekly, you earn $680.00 a week and take home $558.87 after taxes, or $29,061.36 a year.
Minimum wage
Hourly
Gross per week
Taxes per week
Take-home per week
Take-home per year
New York City, Nassau, Suffolk and Westchester
$17.00
$680.00
$121.13
$558.87
$29,061.36
Rest of New York State
$16.00
$640.00
$110.93
$529.07
$27,511.64
Minimum wage as last verified on October 30, 2026. Taxes per week include everything this calculator withholds in New York.
A worked example
$60,000 a year, single, paid every two weeks. Each paycheck is $2,307.69. For federal income tax, the employer multiplies it by 26 ($59,999.94), subtracts the $8,600 standard adjustment ($51,399.94), and applies the IRS table: $1,240.00 plus 12% of the amount over $19,900, or $5,019.99 a year. Divided by 26, that is $193.08. Social Security is $143.08 and Medicare $33.46. New York State income tax is $102.90: the paycheck less the $284.60 deduction allowance, through the biweekly table. Paid Family Leave and disability insurance take $11.17, leaving $1,824.00. A New York City resident also pays $77.99 of city tax, leaving $1,746.01.
Married filing jointly on $100,000 with two children under 17, paid every two weeks, takes home $3,222.48 a paycheck, with $124.61 of federal income tax.
What New York takes from a paycheck
New York's 2026 withholding tables start at 3.9% of net wages and climb with pay; the city's run from 2.05% to 4.25%. On $60,000 paid every two weeks, the state takes $102.90 a paycheck and the city another $77.99 for residents. Paid Family Leave stops once it reaches $411.91 for the year, and the disability deduction never passes $0.60 a week.
Federal income tax, Social Security (6.2%), Medicare (1.45%), New York State income tax, Paid Family Leave (0.432%) and up to $0.60 a week for disability insurance, plus New York City income tax if you live in the city. On a $60,000 salary paid every two weeks, single, that leaves $1,824.00 a paycheck outside the city, or $1,746.01 for a New York City resident.
How is New York income tax withholding worked out?
With the state's exact calculation method in publication NYS-50-T-NYS. Your employer subtracts a deduction allowance and an amount for each IT-2104 allowance from the paycheck, then applies the table for your pay period and marital status. Very high pay uses a flat top rate on the whole annualized amount instead.
Do I pay New York City income tax?
Only if you live in one of the five boroughs. Commuters who live outside the city do not pay it. City withholding uses its own tables (NYS-50-T-NYC); tick "I live in New York City" in the calculator to include it.
How much is New York Paid Family Leave in 2026?
0.432% of your gross wages each paycheck, up to $411.91 for the year. It pays for job-protected paid leave to bond with a new child or care for a family member.
What is the New York SDI deduction?
Disability benefits insurance. Your employer can take 0.5% of your wages for it, but never more than $0.60 a week, and many employers pay it all themselves. Tick "My employer pays all of it" if your pay stub shows no disability deduction.
How many allowances should I claim on my IT-2104?
That depends on your household; the IT-2104 worksheet walks you through it. This calculator uses 0 allowances unless you enter your own under New York withholding.
How is federal income tax withholding worked out?
Your employer annualizes each paycheck, subtracts a standard adjustment ($8,600, or $12,900 if married filing jointly, unless you checked the Step 2 box), applies the IRS withholding table, then divides by your number of paychecks and subtracts any dependent credits. This calculator follows the same IRS worksheet.
When does Social Security stop being taken out?
Once your pay for the year reaches $184,500, the 2026 wage base. Medicare has no cap, and an extra 0.9% applies to pay over $200,000.
Do 401(k) contributions lower my taxes?
A traditional 401(k) contribution lowers your federal income tax withholding, but Social Security and Medicare are still taken from it. Pre-tax health premiums through a cafeteria plan lower all three.
What about no tax on overtime or tips?
The overtime and tips deductions are claimed on your tax return, but you can ask your employer to withhold less now by adding the deduction you expect to Step 4(b) of a new W-4. Enter it under W-4 details to see the effect.
