New York Paycheck Calculator (2026)
Calculate your New York paycheck. See your exact New York take home pay after federal tax, New York income tax, Social Security, and Medicare. Free, instant, no signup.
New York Income Tax — What to Expect
New York has a progressive income tax. New York has nine income tax brackets with rates ranging from 4% to 10.9% for the 2026 tax year. New York City also imposes its own separate income tax of up to 3.876% for city residents.
This means a New York resident earning $60,000 as a single filer takes home approximately $3,906 per month after federal and New York income tax, Social Security, and Medicare.
What Is Withheld from a New York Paycheck
Every New York paycheck has the same mandatory deductions regardless of your employer or industry:
Calculated using 2026 IRS brackets based on your gross pay and filing status. Ranges from 10% to 37% depending on income.
6.2% of gross wages withheld up to $176,100 annually in 2026. This cap protects higher earners from excess withholdings.
1.45% flat rate on all earned wages with no annual cap. An additional 0.9% surtax applies to high earners above $200,000.
New York has nine income tax brackets with rates ranging from 4% to 10.9% for the 2026 tax year. New York City also imposes its own separate income tax of up to 3.876% for city residents.
New York State Disability Insurance (SDI) is withheld at 0.5% of wages up to $89,835 annually in 2026. SDI funds New York's short-term disability program for non-work-related illnesses and injuries.
New York City residents pay an additional NYC income tax of up to 3.876% on top of state tax. Yonkers residents pay an additional 16.75% surcharge on state tax.
How to Use the New York Paycheck Calculator
Enter Gross Wages: Input your gross period base salary or hourly pay, and select your pay period frequency.
Select Filing Status: Confirm your W-4 federal filing status (Single, Married, or Head of Household).
Add Pre-Tax Deductions: Claim traditional 401(k), HSA/FSA contributions, and employer-sponsored insurance premium plans.
Export & Download: Click Calculate to review your complete paycheck breakdown and export a downloadable PDF copy.
New York Paycheck Example — $60,000 Salary
This example uses a $60,000 annual salary, single filing status, biweekly pay (26 pay periods per year), and no pre-tax deductions beyond the standard federal deduction.
These figures are estimates. Your actual take-home pay will differ based on your specific deductions, filing status, and W-4 elections.
New York Payroll Tax Summary 2026
| Tax Type | Rate | Payroll Rules & Notes |
|---|---|---|
| Federal Income Tax | 10% – 37% | Based on W-4 filing status and progressive federal tax brackets |
| Social Security (FICA) | 6.2% | Applies to annual wages up to the $176,100 limit base |
| Medicare (FICA) | 1.45% | All earned wages, no annual limit cap |
| Additional Medicare | 0.9% | Wages exceeding $200,000 (single) or $250,000 (married jointly) |
| New York Income Tax | 10.90% | Classified as a progressive income tax |
| New York SDI Withholding | SDI Rates | New York State Disability Insurance (SDI) is withheld at 0.5% of wages up to $89,835 annually in 2026. SDI funds New York's short-term disability program for non-work-related illnesses and injuries. |
| Local Municipal Tax | Varies | New York City residents pay an additional NYC income tax of up to 3.876% on top of state tax. Yonkers residents pay an additional 16.75% surcharge on state tax. |
Frequently Asked Questions — New York Payroll
Q:I live in New York City. How much extra tax do I pay compared to someone in upstate New York?
New York City residents pay the NYC income tax in addition to state tax. On a $70,000 salary, this amounts to approximately $2,000 to $2,500 in additional annual tax compared to a New York resident outside the city.
Q:I live in New Jersey but work in New York City. Which state's tax applies?
You pay New York State income tax on income earned in New York. You also pay New Jersey income tax as a New Jersey resident. New Jersey provides a credit for taxes paid to other states, which typically offsets most (but not all) of the double-state-tax burden. You do not pay New York City tax as a New Jersey resident who commutes.
Q:What is the New York SDI deduction on my paycheck?
New York SDI is withheld at 0.5% of your gross wages up to the annual wage base of $89,835. For most workers, the maximum annual deduction is $449.18. It funds New York's disability benefits program which provides income replacement if you cannot work due to a non-work illness or injury.
Q:Does New York tax remote workers?
New York uses a "convenience of the employer" rule. If you work remotely for a New York employer but could physically come into a New York office, New York may consider your wages New York-sourced and taxable. This is one of the most aggressive state tax rules for remote workers and is actively litigated.
Q:Are there ways to reduce my New York state income tax?
The most effective strategies are maximizing pre-tax contributions (401k, HSA, FSA) which reduce your New York taxable income, claiming all eligible credits (New York has an earned income credit and childcare credits), and if possible, establishing residency in a lower-tax state for at least 183 days per year.
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Running payroll for New York employees?
Gusto handles New York payroll taxes automatically — federal withholding, New York income tax, and all filings.