New York paycheck calculator 2026
New York withholds state income tax, disability insurance and Paid Family Leave, and New York City residents also pay city income tax. Figures follow the 2026 tables issued by the New York tax department.
Enter your pay to see the breakdown.
How your New York paycheck is calculated
Federal income tax uses the percentage method in IRS Publication 15-T for 2026, the method payroll software follows. Your pay for the year is reduced by $8,600 (single or head of household) or $12,900 (married filing jointly) unless the box in Step 2 of your W-4 is checked, then run through the 2026 withholding schedule and divided by the number of paychecks. Credits from Step 3 and the amounts in Step 4 are applied the way the IRS worksheet applies them.
Social Security takes 6.2% of wages until your pay for the year reaches $184,500, then stops. Medicare takes 1.45% of all wages plus 0.9% on wages above $200,000. Pre-tax 401(k) contributions lower federal income tax but not Social Security or Medicare; pre-tax health premiums lower both.
New York withholding uses the exact calculation method in publication NYS-50-T-NYS for 2026, which reflects the state’s income tax cuts that took effect this year. Your yearly pay is reduced by $7,400 (single) or $7,950 (married) and by $1,000 for each allowance on form IT-2104, then taxed through the 2026 schedule. Very high earners move to the flat top rates in Method III.
If you live in New York City, city tax is figured the same way from publication NYS-50-T-NYC, with $5,000 or $5,500 subtracted plus $1,000 per allowance. Disability insurance (SDI) takes 0.5% of wages but never more than $0.60 a week, and Paid Family Leave takes 0.432% until you have paid $411.91 for the year. Yonkers residents and nonresidents also owe a Yonkers tax that this calculator does not add yet.
New York take-home pay by salary (2026)
Single filer, paid every two weeks, standard W-4, 0 IT-2104 allowances, no pre-tax deductions.
| Salary | Gross per check | Federal tax | Social Security + Medicare | State taxes | Take-home per check | Take-home per year |
|---|---|---|---|---|---|---|
| $30,000 | $1,153.85 | $54.62 | $88.27 | $46.79 | $964.17 | $25,068 |
| $40,000 | $1,538.46 | $100.77 | $117.69 | $69.23 | $1,250.77 | $32,520 |
| $50,000 | $1,923.08 | $146.92 | $147.11 | $91.66 | $1,537.39 | $39,972 |
| $60,000 | $2,307.69 | $193.08 | $176.54 | $114.09 | $1,823.98 | $47,424 |
| $75,000 | $2,884.62 | $295.00 | $220.68 | $147.73 | $2,221.21 | $57,751 |
| $100,000 | $3,846.15 | $506.54 | $294.23 | $205.31 | $2,840.07 | $73,842 |
| $125,000 | $4,807.69 | $720.54 | $367.79 | $273.01 | $3,446.35 | $89,605 |
| $150,000 | $5,769.23 | $951.31 | $441.34 | $345.41 | $4,031.17 | $104,810 |
Living in New York City
| Salary | State + city taxes | Take-home per check | Take-home per year |
|---|---|---|---|
| $30,000 | $76.91 | $934.05 | $24,285 |
| $40,000 | $115.31 | $1,204.69 | $31,322 |
| $50,000 | $153.70 | $1,475.35 | $38,359 |
| $60,000 | $192.09 | $1,745.98 | $45,396 |
| $75,000 | $250.08 | $2,118.86 | $55,090 |
| $100,000 | $348.52 | $2,696.86 | $70,118 |
| $125,000 | $457.09 | $3,262.27 | $84,819 |
| $150,000 | $570.35 | $3,806.23 | $98,962 |
What a New York pay stub must show
Section 195 of the New York Labor Law requires a wage statement with every payment, listing the employer’s name, address and phone number; the dates of work covered; the rate of pay and its basis (hourly, salary, shift and so on); gross wages; deductions; any allowances counted toward the minimum wage; and net wages. For workers owed overtime it must also show the regular and overtime rates and the hours worked at each.
Manual workers must be paid weekly unless the employer has state approval; most other employees must be paid at least twice a month.
Questions
How much tax comes out of a $50,000 salary in New York?
A single filer paid every two weeks keeps about $1,537.39 per check outside New York City and about $1,475.35 in New York City. State taxes and payroll deductions are $91.66 per check outside the city and $153.70 inside it.
What are NY SDI and PFL on my pay stub?
NY SDI is short-term disability insurance: 0.5% of wages, capped at $0.60 a week. NY PFL is Paid Family Leave: 0.432% of wages in 2026, until you reach $411.91 for the year.
Do I pay New York City tax if I work in NYC but live elsewhere?
No. City income tax is withheld only from New York City residents. Commuters who live outside the city pay state tax only.
Did New York lower its tax rates in 2026?
Yes. The state cut several income tax rates for middle incomes starting in 2026, and the 2026 withholding tables include the change, so many paychecks lose slightly less to state tax than last year.