Finance calculators

NYC Paycheck Calculator

Updated Sep 11, 2026 By Jehan Wadia
Rate Formulas Sources
Paycheck Inputs
Pay Type
Enter $0 to $10,000,000.
Filing Status
Each qualifying child applies a $2,200 federal credit.
Pre-Tax Deductions
OnDeductionMethodAmount (per period)
Pre-Tax Subtotal (per period): $0.00
Post-Tax Deductions
DeductionMethodAmount (per period)Remove
Post-Tax Subtotal (per period): $0.00
Tax Exemptions
Are you exempt from any taxes?
Gross-Up Mode
Estimated Bi-Weekly Take-Home Pay
$0.00
Estimated Annual Take-Home Pay
$0.00
Effective Tax Rates
Federal
0%
$0.00
NY State
0%
$0.00
NYC Local
0%
$0.00
Total (all taxes)
0%
$0.00
Detailed Breakdown (per period)
Line Item% of GrossPer Period
Paycheck Breakdown
    Step-by-Step Solution
    NYC Salary Reference Table
    Assumes Bi-Weekly pay, Single filing, New York City, no additional deductions. Click any row to load that salary into the calculator using your current settings.
    Annual GrossTotal Tax %Bi-Weekly NetAnnual Take-Home

    Introduction

    Living and working in New York City means you pay federal, state, and city taxes on your income. These taxes, plus deductions like Social Security, Medicare, and retirement contributions, reduce the amount you actually take home each payday. It can be hard to figure out your net pay on your own because NYC has some of the highest tax rates in the country, with multiple tax brackets at every level.

    This free NYC Paycheck Calculator works out the numbers. Enter your salary or hourly wage, pick your pay frequency and filing status, and the tool estimates your take-home pay after all federal, New York State, and New York City taxes. It also accounts for FICA taxes, pre-tax deductions like 401(k) and health insurance, post-tax deductions, and NY State insurance costs like Paid Family Leave and disability. Whether you earn a fixed salary or get paid by the hour with overtime, this calculator gives you a clear breakdown of every dollar that comes out of your paycheck.

    How to Use Our NYC Paycheck Calculator

    Enter your pay details, tax filing info, and any deductions below. The calculator will show your estimated take-home pay per period and per year, along with a full breakdown of every tax and deduction.

    Pay Type: Choose "Salaried" if you earn a fixed yearly salary. Choose "Hourly" if you are paid by the hour.

    Annual Gross Salary: If you are salaried, type your total yearly pay before taxes. Enter any amount from $0 to $10,000,000.

    Regular Hourly Wage and Hours: If you are hourly, enter your base pay rate and the number of hours you work each pay period.

    Overtime: Toggle this on if you work overtime hours. Then enter your overtime pay rate and the number of overtime hours per pay period.

    Pay Frequency: Select how often you get paid. Options include daily, weekly, bi-weekly, semi-monthly, monthly, quarterly, semi-annually, or annually.

    Filing Status: Pick "Single" or "Married" to match the status on your tax return. This changes your tax brackets and standard deduction.

    Work / Residence Location: Select "New York City" if you live or work in NYC. Select "Yonkers" if that applies, or "Other New York State" for anywhere else in the state.

    Yonkers Status: If you picked Yonkers, choose whether you are a resident or a non-resident worker. Each has a different tax surcharge.

    Number of Dependents: Enter how many qualifying children under 17 you claim. Each one applies a $2,200 federal tax credit to lower your tax bill.7

    Allowances: Click the Allowances button to expand this section. Enter any federal, state, additional state, or local allowances from your W-4 or IT-2104 forms. Most people can leave these at zero.

    Elected NY State Withholding: If you elected extra New York State tax withholding on Form IT-2104, select the percentage here. Leave it at 0% if you did not make an election.

    Additional Withholdings: Enter any extra dollar amount per pay period you want withheld for federal, state, or local taxes beyond the standard calculation.

    Pre-Tax Deductions: Check the box next to any benefit you pay for before taxes, such as medical insurance, dental, vision, or 401(k). Set the method to "Fixed $" for a flat dollar amount or "% of Gross" for a percentage. Then type the amount per pay period.

    Post-Tax Deductions: Add any deductions taken from your pay after taxes, like union dues. Click "Add Deduction Row" to add more lines. Use the trash icon to remove a row.

    Tax Exemptions: Select "Yes" if you are exempt from any taxes, then toggle on each specific tax you are exempt from. Most workers should leave this set to "No."

    Gross-Up Mode: Turn this on if you know the net pay you want to take home and need to find out what gross salary is required. Enter your desired take-home amount per pay period.

    Calculate and Reset: Press "Calculate" to see your results. Press "Reset" to clear all fields back to their default values. You can also click any row in the salary reference table at the bottom to quickly load that salary into the calculator.

    How the NYC Paycheck Calculator Works

    This NYC paycheck calculator shows you how much money you take home after taxes and deductions from each paycheck. If you work in New York City, your pay is reduced by federal income tax, New York State income tax, NYC local income tax, Social Security, and Medicare. This tool calculates all of those.

    Taxes That Come Out of Your NYC Paycheck

    Workers in New York City pay more taxes than most people in the United States. You owe taxes to three levels of government: federal, state, and city. On top of that, every worker pays into Social Security and Medicare, which are called FICA taxes. New York also takes out small amounts for State Disability Insurance (SDI) and Paid Family Leave (PFL). All of these deductions shrink your paycheck before you ever see it.

    Federal Income Tax

    The IRS taxes your income using a bracket system. This means the first chunk of your earnings is taxed at a low rate, and each chunk after that is taxed at a higher rate. Your filing status, single or married, changes which brackets apply to you. The standard deduction lowers your taxable income before the brackets kick in.

    New York State Income Tax

    New York State also uses tax brackets. State tax rates range from 4% on lower income to 10.9% on very high income.4 If you fill out Form IT-2104 with your employer, you can ask them to withhold extra state tax from each check so you don't owe a large amount at tax time.

    NYC Local Income Tax

    New York City charges its own income tax on top of the state tax. NYC tax rates range from 3.078% to 3.876%.4 If you live or work in Yonkers instead, you pay a Yonkers surcharge rather than the NYC tax. People who live outside both cities and work elsewhere in New York State do not pay a local income tax.

    FICA: Social Security and Medicare

    Social Security tax is 6.2% of your wages up to a yearly cap of $184,500 in 2026.1 Medicare tax is 1.45% of all your wages with no cap.2 If you earn more than $200,000 as a single filer or $250,000 as a married filer, you also pay an extra 0.9% Medicare surtax on the income above that threshold.3

    Pre-Tax and Post-Tax Deductions

    Pre-tax deductions like health insurance and 401(k) contributions come out of your pay before taxes are calculated. This lowers your taxable income and saves you money. Post-tax deductions like union dues come out after taxes are calculated, so they do not reduce your tax bill.

    Why Your Take-Home Pay Matters

    Your gross salary is not what lands in your bank account. In New York City, total taxes and deductions can take 30% to 40% or more of your gross pay. Knowing your actual take-home pay helps you build a realistic budget, plan for rent, and set savings goals. Use this calculator each time your salary, deductions, or filing status changes so your numbers stay accurate.

    Formulas used

    Progressive Bracket Tax
    T = \sum_{i=1}^{n} r_i \cdot \bigl(\min(I,\, u_i) - u_{i-1}\bigr)
    Federal Taxable Income 8
    I_{\text{fed}} = \max\!\left(0,\; G - D_{\text{pre}} - D_{\text{std}} - 4300 \times A_{\text{fed}}\right)
    Social Security Tax 1
    T_{\text{SS}} = 6.2\% \times \min\!\left(W_{\text{FICA}},\; \text{\$184,500}\right)
    Medicare Tax (Regular + Additional) 2
    T_{\text{Med}} = 1.45\% \times W_{\text{FICA}} + 0.9\% \times \bigl(W_{\text{FICA}} - T_{\text{thresh}}\bigr)^{+}
    NY Paid Family Leave 5
    T_{\text{PFL}} = \min\!\left(0.432\% \times G,\; \text{\$411.91}\right)
    Annual Take-Home Pay
    \text{Take-Home}_{\text{annual}} = G - D_{\text{pre}} - T_{\text{total}} - D_{\text{post}}
    Per-Period Take-Home Pay
    \text{Take-Home}_{\text{period}} = \frac{\text{Take-Home}_{\text{annual}}}{P}

    Frequently asked questions

    What taxes come out of my NYC paycheck?

    Four main taxes reduce your NYC paycheck: federal income tax, New York State income tax, NYC local income tax, and FICA (Social Security and Medicare). New York also takes out small amounts for State Disability Insurance (SDI) and Paid Family Leave (PFL). All of these are shown in the calculator's detailed breakdown.

    How much is the NYC local income tax?

    NYC local income tax rates range from 3.078% to 3.876% depending on your income.4 These rates apply on top of federal and New York State taxes. The calculator uses the 2025 NYC tax brackets based on your filing status and taxable income.4

    Do I pay NYC tax if I work in New York City but live outside the city?

    NYC income tax applies to residents of New York City. If you live outside NYC but commute in for work, you generally do not pay the NYC local income tax. However, you still pay federal and New York State income tax. Select "Other New York State" in the location field if you live and work outside NYC and Yonkers.

    What is the difference between gross pay and net pay?

    Gross pay is your total earnings before anything is taken out. Net pay is what you actually receive after taxes and deductions. This calculator shows both amounts so you know exactly what hits your bank account each pay period.

    What is Form IT-2104 and the elected NY State withholding?

    Form IT-2104 is a New York State form you give to your employer. It lets you ask for extra state tax to be withheld from each paycheck. This helps you avoid owing a large tax bill when you file your return. If you chose an extra percentage on this form, select it in the "Elected NY State Withholding" dropdown.

    What is the Social Security wage base for 2025?

    The 2025 Social Security wage base was $176,100 and the 2026 wage base is $184,500.1 You pay 6.2% Social Security tax on earnings up to this amount.1 Any income above it is not subject to Social Security tax, though Medicare tax still applies to all earnings.2

    What is the Additional Medicare Tax?

    If you earn more than $200,000 as a single filer or $250,000 as a married filer, you pay an extra 0.9% Medicare surtax on wages above that threshold.3 The calculator automatically applies this when your income qualifies.

    What is Gross-Up Mode and when should I use it?

    Gross-Up Mode works in reverse. Instead of entering your salary to find your net pay, you enter the net pay you want and the calculator figures out the gross salary needed to reach it. Use this when you know the take-home amount you need and want to find out what salary to ask for.

    How do pre-tax deductions save me money?

    Pre-tax deductions like 401(k) contributions and health insurance are subtracted from your pay before taxes are calculated. This lowers your taxable income, so you pay less in income tax. A $200 pre-tax deduction saves you more than $200 in post-tax deductions because it reduces the income the government taxes.

    What are NY State Disability Insurance and Paid Family Leave?

    NY State Disability Insurance (SDI) covers you if you get hurt or sick outside of work. The employee contribution is one half of one percent of wages, capped at 60 cents a week.6 That is $31.20 a year. NY Paid Family Leave (PFL) lets you take paid time off to care for a family member. For 2026, employees contribute 0.432% of gross wages, with a maximum annual contribution of $411.91.5 Both are automatically calculated.

    How does the Yonkers tax work?

    Yonkers has its own tax surcharge instead of the NYC local tax. Yonkers residents pay a surcharge equal to 16.75% of their New York State tax.4 Non-residents who work in Yonkers pay 0.5% of their gross wages. Select "Yonkers" in the location field and choose resident or non-resident to get the right calculation.

    How do federal dependents reduce my taxes?

    Each qualifying child under 17 applies a $2,200 federal Child Tax Credit that directly reduces the amount of federal income tax you owe.7 Enter the number of qualifying children in the calculator and it will subtract the credit from your federal tax bill.

    Why is my take-home pay so low in NYC?

    NYC workers pay federal tax, state tax, and city tax, plus FICA and NY state insurance. These combined taxes can take 30% to 40% or more of your gross pay. The NYC local income tax is an extra layer that workers in most other U.S. cities do not pay, which is why NYC take-home pay is lower than average.

    What happens if my deductions are more than my gross pay?

    If your pre-tax or post-tax deductions add up to more than your gross pay for the period, the calculator will show a warning. You will need to lower your deduction amounts so they do not exceed your earnings.

    How often should I recalculate my paycheck?

    Recalculate any time your salary changes, you adjust your 401(k) contribution, your insurance premiums go up, you change your filing status, or you add or remove dependents. Keeping your estimate current helps you budget accurately.

    Sources

    1. Contribution and Benefit Base. Social Security Administration. Accessed September 11, 2026.
    2. Topic no. 751, Social Security and Medicare withholding rates. Internal Revenue Service. Accessed September 11, 2026.
    3. Questions and answers for the Additional Medicare Tax. Internal Revenue Service. Accessed September 11, 2026.
    4. 2025 Form IT-201-I, Instructions for Form IT-201, Full-Year Resident Income Tax Return. New York State Department of Taxation and Finance. 2025;New York State and New York City tax rate schedules; Yonkers resident income tax surcharge. Accessed September 11, 2026.
    5. New York Paid Family Leave Updates for 2026. New York State Paid Family Leave. 2026. Accessed September 11, 2026.
    6. Employee Disability Benefits. New York State Workers' Compensation Board. Cost. Accessed September 11, 2026.
    7. Form W-4 (2026), Employee's Withholding Certificate. Internal Revenue Service. 2026;Step 3. Accessed September 11, 2026.
    8. Publication 15-T (2026), Federal Income Tax Withholding Methods. Internal Revenue Service. 2026. Accessed September 11, 2026.

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