New York Paycheck Calculator – Estimate your take-home pay in New York. New York State taxes wage income on a graduated schedule, and New York City and Yonkers then add a local income tax on top of the state figure, so where you live changes a New York paycheck as much as what you earn. Enter your salary and pay frequency to see your net pay per period.
Your pay details
Where your pay goes
| Gross pay | |
|---|---|
| Federal income tax | |
| Social Security | |
| Medicare | |
| Additional Medicare | |
| State income tax | |
| Pre-tax deductions | |
| Post-tax deductions | |
| Net pay |
Effective tax rate · Marginal rate
Show the math
This is an estimate for planning. It covers federal income tax, FICA, and simplified state income tax. It does not include local or paid-leave taxes. Your employer’s payroll system may calculate a different amount.
Table of Contents
Does New York have a state income tax?
Yes. New York State taxes wages on a graduated scale, meaning the more wages you make, the more you will be taxed. For a single filer, the marginal rate increases along the way before hitting a 10.9% top rate; Pennsylvania’s rates are flat at 3.07% while Illinois’ top rate is 4.95%. This calculator uses the $8,000 New York State single filer standard deduction where applicable, and the three bands 4%, 7.45% and 10.9% are approximate scalings used here; consult your payroll software system or the New York State line for actual figures.
New York also has the peculiarity of superimposing a state income tax on top of a local income tax. The NYC resident income tax is paid on a different schedule from the NYC resident, and the surcharge is based on the state tax itself and paid by the Yonkers resident. The calculator on this page will determine ONLY the NYS line, therefore use its net figure as the state/fed estimate prior to NYC and Yonkers taxes.
How New York take-home pay is calculated
- Gross pay. Annual salary (or hourly rate x hours worked) for the pay period you chose.
- Pre-tax deductions. 401(k), health premiums and HSA are taken out first, which means they lower the income taxed by New York State and federal government.
- Income tax of New York State. The $8,000 New York standard deduction is subtracted (single filer) and the rest of the income is taxed at New York’s graduated rates up to 10.9% at the top.
- Federal income tax. The federal standard deduction is used and then the federal marginal brackets.
- FICA. An additional Medicare tax that kicks in at 0.9% on income over the high earner threshold is in addition to Social Security at 6.2% (up to the wage base) and Medicare at 1.45%.
- Local tax levy in NYC or Yonkers. On income taxes, a NYC resident pays NYC resident income tax which ranges from 3.078% to 3.876% and a Yonkers resident pays a 16.75% surcharge on the state income tax. This calculator does not deduct one, so if you reside in those locations your net income is lower.
- New York Paid Family Leave. Yearly payroll deduction of 0.432% of gross pay, with a maximum annual limit of $411.91. Does not reduce this calculator – pays up to 12 weeks of leave at 67% of your average weekly wage.
The outcome is your net pay for the time period you’ve selected. The frequency of payment is important: If you earn $1,000 per year, you’ll get $42.31 with a bi-weekly schedule, and $41.67 with a semi-monthly payment schedule.
Worked example: $85,000 in New York
A single filer earning $85,000 a year, paid bi-weekly in 2026:
| Line | Per paycheck |
|---|---|
| Gross pay | $3,269.23 |
| Federal income tax | $379.62 |
| Social Security | $202.69 |
| Medicare | $47.40 |
| New York state income tax | $200.73 |
| Net take-home pay | $2,438.79 |
That is $63,408.50 a year, an effective tax rate of about 25.4%. Change the inputs in the calculator above to see your own numbers.
How New York compares
New York is actually one of only a few states to collect local income tax. The NYC resident income tax is levied on the income earned in NYC, with progressive rates between 3.078% on the first dollar and 3.876% on income over $90,000 (single filer) in addition to the state tax. A Yonkers resident pays a surcharge of 16.75% on the New York State tax instead and a person who earns in Yonkers but resides elsewhere might be subject to the Yonkers nonresident earnings tax. No other state in the U.S. is as unique as Alaska, Florida or Texas.
New York also takes into account for paid leave, but the no-income-tax states don’t. The 2026 Paid Family Leave deduction will be 0.432% of wages up to $411.91 per year, plus a maximum employee contribution of $0.60 per week through New York’s statutory short-term disability program. New York’s graduated tax rate and city/county tax (Yonkers) is the distinction between a modest and heavy state deduction on the identical income compared to flat-tax Pennsylvania (3.07%) or Illinois (4.95%).
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FAQ
Is the state of New York taxing income?
Yes. New York State imposes a progressive tax rate on wage income, with a rate of 10.9% at the highest income levels. The 2026 data provided here reflects the scale to the nearest 4%, 7.45%, and 10.9% with the New York single filer standard deduction of $8,000.
How much does an $85,000 salary cost in NYC?
For 2026, a single filer paid biweekly takes home about $2,438.79 per paycheck from an $85,000 salary: $3,269.23 gross, $200.73 New York State income tax, $379.62 federal income tax, $202.69 Social Security, and $47.40 Medicare. There’s also local tax to be paid in NYC or Yonkers and the Paid Family Leave deduction to be subtracted.
Does New York City have an income tax?
Yes. The NYC resident income tax is paid on top of the state income tax, by NYC residents. For a single filer the 2025 schedule starts at 3.078% on the first $12,000 of taxable income and rises to 3.876% above $50,000. Anyone who works in NYC but has moved to a nonresidential address for part of the year or who doesn’t have a NYC address may also have to pay tax on their city wages.
What is the income tax of Yonkers?
Fifteen percent of the income tax, after credits, is a Yonkers resident paying a surcharge on his income tax. If someone works in Yonkers, but resides out of the city, then the nonresident wages tax may be paid to Yonkers instead. Both are not included in the New York State income tax.
How much will be withheld for NY Paid Family Leave in 2026?
For 2026 the employee Paid Family Leave contribution is 0.432% of gross wages, capped at a maximum annual contribution of $411.91. 100% of the cost of New York Paid Family Leave is covered by employees and offers up to 12 weeks of job protected leave at 67% of your average weekly wage, up to a maximum of $1,228.53 per week.
Does disability insurance get taken out of the paycheck in New York?
Yes. The statutory short-term disability benefits (DBL) program in New York also permits the weekly employee contribution of $0.60, which is in addition to the Paid Family Leave contribution. This is a specific, rather than percentage, weekly amount.
What is the highest income tax rate in New York?
New York State’s marginal income tax rate for the highest income earners for a single person working in the state is 10.9%. Most of an average New York salary is taxed at lower rates, not 10.9%, as the state imposes a graduated income tax.
How much is the New York standard deduction?
For 2026 the New York standard deduction is $8,000 for a single filer. It is deducted from wages before the progressive State rates are taken into account. Most taxpayers in New York do not receive a personal exemption, but they do get a dependent exemption.
Reviewed by: aFreeTools Editorial Team
Last updated: October 13, 2026
Freshness: This page covers tax years 2025 and 2026. State tax status is checked against the sources below; federal brackets, the standard deduction, and FICA rates come from the IRS. Tax data last verified 2026-10-02.
Disclaimer: This paycheck calculator is for informational and planning purposes only. It provides an estimate of take-home pay based on the information you enter and standard federal/state tax assumptions, but actual pay can vary due to local taxes, benefits, deductions, withholding elections, payroll rules, and employer-specific factors. Results are not a guarantee of wages, tax liability, or net pay and should not be considered tax, legal, accounting, or financial advice. Please verify final amounts with your employer’s payroll system or a qualified tax professional.