Introduction
The NYC Tax Calculator shows what you really take home after taxes. Enter your pay, pick your filing status, and see your net pay for each paycheck and for the whole year.
New York City workers pay three levels of income tax: federal, New York State, and New York City. On top of that come Social Security, Medicare, state disability (SDI), and paid family leave (PFL). This tool adds them all up for you.
You can also enter pre-tax items like a 401(k), HSA, or FSA, plus post-tax items like a Roth 401(k). Add a bonus, overtime hours, or extra withholding if you need to. If you live in Yonkers or work there, the calculator handles that surcharge too.
Results include a full breakdown table, your effective and marginal tax rates, a chart of where your money goes, and a step-by-step math walkthrough. You can compare two pay scenarios side by side, such as living in NYC versus commuting in from outside the city.
Numbers are based on 2025 and 2026 tax brackets and limits. Use it to plan a job offer, check a paycheck, or set your retirement savings. Results are estimates, not tax advice.
How to use our NYC Tax Calculator
Enter your pay, filing status, and any deductions. The calculator shows your take-home pay per paycheck and per year, your federal, New York State, and New York City taxes, your FICA taxes, your tax rates, and a step-by-step breakdown.
Tax Year: Pick 2026 or 2025. This sets the brackets, standard deduction, and contribution limits used in the math.
Pay Frequency: Choose how often you get paid, from hourly up to once a year. This tells the tool how many pay periods you have.
Gross Pay per Period: Type your pay before taxes for one pay period. If you picked Hourly, type your hourly wage here instead.
Regular Hours per Week: Type the hours you work in a normal week. This only matters if your pay frequency is Hourly.
Overtime Hours per Week: Type extra hours paid at 1.5 times your rate. This also only applies to Hourly pay.
Annual Bonus / Supplemental Wages: Add any bonus, commission, or extra pay for the year. Bonuses are taxed at flat withholding rates, like 22% for federal.
Federal Filing Status: Pick Single, Married Filing Jointly, Married Filing Separately, or Head of Household. This changes your brackets and standard deduction.
Federal Allowances: Enter the number of allowances you claim. Each one lowers the wages that federal tax is figured on.
NY State Allowances (IT-2104): Enter the allowances from your IT-2104 form. Each one cuts your New York taxable wages by $1,000.
Age: Type your age. If you are 65 or older, you get a bigger standard deduction plus a $6,000 senior deduction that phases out at higher income.
Taxpayer is legally blind: Check this box if you are legally blind. It adds an extra standard deduction amount.
Spouse is legally blind: Check this box if your spouse is legally blind and you file jointly.
401(k) / 403(b): Enter your yearly contribution. Use the dropdown to pick a percent of your gross pay or a dollar amount. This lowers income tax but not FICA.
Traditional IRA: Enter what you put into a traditional IRA for the year. It lowers your taxable income.
HSA Contribution: Enter your yearly health savings account amount. Payroll HSA money skips income tax and FICA.
Health FSA: Enter your yearly flexible spending account amount for medical costs.
Dependent Care FSA: Enter what you set aside for child or dependent care.
Commuter (Transit/Parking): Enter your yearly pre-tax transit or parking amount.
Other Pre-Tax (Label and Amount): Name any other pre-tax deduction, like health premiums, and enter the yearly dollar amount.
Roth 401(k): Enter your yearly Roth amount as a percent or dollars. Roth money is taken out after tax, so it lowers take-home pay but not taxes.
Other Post-Tax (Label and Amount): Name any other after-tax deduction, like union dues, and enter the yearly amount.
Federal Deduction: Pick Standard Deduction or Itemized Deduction. If you itemize, fill in the boxes below.
Mortgage Interest: Enter the home loan interest you paid this year.
State & Local Taxes (SALT): Enter state and local taxes paid. The tool caps this at the yearly federal limit.
Charitable Contributions: Enter your gifts to charity for the year.
Medical Expenses: Enter only the medical costs above 7.5% of your income.
Other Itemized: Enter any other itemized deductions you can claim.
New York City Residency: Pick NYC Resident to add NYC income tax. Pick Non-Resident if you work in the city but live outside it, since no NYC tax applies.
Yonkers Status: Choose none, Yonkers resident for the 16.75% surcharge, or non-resident working in Yonkers for the 0.5% earnings tax.
Extra Federal Withholding: Enter extra federal tax you want held from each paycheck.
Extra NY State Withholding: Enter extra state tax you want held from each paycheck.
Self-employed / 1099: Check this box if you work for yourself. The tool uses 15.3% self-employment tax, gives you the half deduction, and drops SDI and PFL.
Scenario B, Annual Gross: Enter another yearly salary to compare against your current numbers.
Scenario B, Filing Status: Pick the filing status for the second scenario.
Scenario B, NYC Residency: Pick resident or non-resident for the second scenario to see how NYC tax changes your net pay.
Click Calculate to see your results, Reset to start over, or Print Results to save a copy.
New York City Income Tax: What You Need to Know
If you live in New York City, four different taxes come out of your paycheck: federal income tax, FICA (Social Security and Medicare), New York State income tax, and New York City income tax. NYC is one of the few cities in the country with its own income tax, so take-home pay here is lower than in most other places at the same salary.
Who Pays NYC Income Tax
The NYC tax is based on where you live, not where you work. If your home is in the Bronx, Brooklyn, Manhattan, Queens, or Staten Island, you pay it. If you live in New Jersey, Long Island, or Westchester and commute into the city, you do not pay NYC income tax. You still owe New York State tax on the money you earn in the state.
NYC Tax Rates
NYC rates are low compared to state rates, but they apply to almost every dollar you earn. Rates run from about 3.078% to 3.876%, and the top rate kicks in fast: after about $50,000 of taxable income for single filers. The tax is paid when you file your New York State return, not to the city directly.
New York State Tax Rates
New York State uses a bracket system with rates from 4% up to 10.9%. Only the money inside each bracket is taxed at that bracket's rate. High earners also face a "benefit recapture" rule, which slowly takes away the savings from the lower brackets once income passes about $107,650 (single) or $215,400 (joint).
Other Paycheck Deductions in New York
- Social Security: 6.2% of wages, up to a yearly wage cap.
- Medicare: 1.45% of all wages, plus 0.9% more on high earnings.
- NY Disability (SDI): 0.5% of wages, capped at about $31.20 per year.
- Paid Family Leave (PFL): a small percent of wages with a yearly cap.
- Yonkers: residents pay a 16.75% surcharge on their state tax; non-residents who work there pay 0.5% of wages.
How to Lower Your NYC Tax Bill
Pre-tax deductions are the strongest tool. Money you put into a 401(k), traditional IRA, HSA, FSA, or commuter benefits comes out before income tax is figured, so it cuts your federal, state, and city tax at the same time. HSA and other Section 125 benefits taken through payroll also skip FICA. Roth 401(k) money does not lower your tax now, but it grows tax-free.
Bonuses Are Withheld Differently
Bonuses and other supplemental pay are usually withheld at flat rates: 22% federal (37% over $1 million), plus flat New York State and NYC rates. This is only withholding. Your real tax is settled when you file your return, so you may get some of it back.
Marginal vs. Effective Rate
Your marginal rate is the tax on your next dollar earned. Your effective rate is the total tax you pay divided by your total pay. The effective rate is always lower, because your first dollars are taxed in the lower brackets. Knowing both helps you decide if a raise, a side job, or a bigger 401(k) contribution is worth it.