Updated for 2026 · checked October 2026
New York Paycheck Calculator
New York withholds state income tax at 3.9% to 11.7% under NYS-50-T-NYS (2026), plus Paid Family Leave (0.432%, up to $411.91) and disability insurance (up to $0.60 a week). New York City residents also pay city tax.
New York take-home pay biweekly
$1,823.99
$47,423.80 a year · effective tax rate 21.0%
| Gross pay | $2,307.69 |
|---|---|
| Federal income tax | −$193.08 |
| Social Security | −$143.08 |
| Medicare | −$33.46 |
| State income tax | −$102.92 |
| Local tax | −$0.00 |
| State payroll taxes | −$11.17 |
| 401(k) and health insurance | −$0.00 |
| Take-home pay | $1,823.99 |
Estimate based on 2026 IRS Publication 15-T and official state withholding tables. How we calculate
New York paycheck: key facts for 2026
- New York withholds state income tax at 3.9% to 11.7% under NYS-50-T-NYS (2026), plus Paid Family Leave (0.432%, up to $411.91) and disability insurance (up to $0.60 a week). New York City residents also pay city tax.
- A $60,000 salary in New York takes home about $47,424 a year ($1,823.99 every two weeks) as a single filer in 2026.
- A $100,000 salary in New York takes home about $73,842 a year, an effective tax rate of 26.2%.
- Federal withholding follows IRS Publication 15-T (2026); Social Security is 6.2% up to $184,500 and Medicare is 1.45%.
Live in New York City? Use the New York City calculator, which adds local income tax.
How New York calculates your paycheck
- Your employer subtracts a deduction allowance ($7,400 single, $7,950 married) and $1,000 per exemption claimed on Form IT-2104.
- The remainder is taxed on the 2026 exact-calculation schedule, starting at 3.9%. Some bands carry higher rates that phase out the lower brackets for high earners.
- Annualized net wages above $1,077,550 (single) or $2,155,350 (married) are withheld at a flat 10.45% to 11.7% of the whole amount.
- Paid Family Leave takes 0.432% of wages, capped at $411.91 for 2026. Disability insurance takes 0.5%, capped at $0.60 a week.
- New York City and Yonkers residents have a separate local withholding on top of state tax.
Take-home pay by salary in New York (2026)
What common salaries leave you with after every tax, for a single filer paid every two weeks with no 401(k) or other pre-tax deductions. Use the calculator above for your own situation.
| Salary | Federal tax | Social Security + Medicare | State and local | Take-home (year) | Per paycheck | Effective rate |
|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $1,217 | $25,068 | $964.17 | 16.4% |
| $40,000 | $2,620 | $3,060 | $1,800 | $32,520 | $1,250.78 | 18.7% |
| $50,000 | $3,820 | $3,825 | $2,383 | $39,972 | $1,537.38 | 20.1% |
| $60,000 | $5,020 | $4,590 | $2,966 | $47,424 | $1,823.99 | 21.0% |
| $75,000 | $7,670 | $5,738 | $3,841 | $57,752 | $2,221.21 | 23.0% |
| $100,000 | $13,170 | $7,650 | $5,338 | $73,842 | $2,840.07 | 26.2% |
| $125,000 | $18,734 | $9,563 | $7,098 | $89,605 | $3,446.35 | 28.3% |
| $150,000 | $24,734 | $11,475 | $8,981 | $104,810 | $4,031.16 | 30.1% |
| $200,000 | $36,734 | $14,339 | $12,353 | $136,574 | $5,252.85 | 31.7% |
Hourly wage to take-home pay in New York
Full-time is 40 hours a week for 52 weeks (2,080 hours), single filer, paid biweekly.
| Hourly wage | Gross a year | Take-home a year | Per biweekly paycheck | Take-home per hour |
|---|---|---|---|---|
| $15.00 an hour | $31,200 | $25,963 | $998.56 | $12.48 |
| $18.00 an hour | $37,440 | $30,613 | $1,177.41 | $14.72 |
| $20.00 an hour | $41,600 | $33,712 | $1,296.63 | $16.21 |
| $25.00 an hour | $52,000 | $41,462 | $1,594.71 | $19.93 |
| $30.00 an hour | $62,400 | $49,212 | $1,892.78 | $23.66 |
| $40.00 an hour | $83,200 | $63,042 | $2,424.69 | $30.31 |
| $50.00 an hour | $104,000 | $76,420 | $2,939.22 | $36.74 |
New York withholding rates for 2026
Annual withholding schedule applied to wages after deductions and allowances. Payroll systems divide these by your number of pay periods.
| Annual taxable wages over | Up to | Rate on this band |
|---|---|---|
| $0 | $8,500 | 3.9% |
| $8,500 | $11,700 | 4.4% |
| $11,700 | $13,900 | 5.15% |
| $13,900 | $80,650 | 5.4% |
| $80,650 | $96,800 | 5.9% |
| $96,800 | $107,650 | 7.03% |
| $107,650 | $157,650 | 7.53% |
| $157,650 | $215,400 | 6.4% |
| $215,400 | $265,400 | 11.44% |
| $265,400 | and above | 7.35% |
| Annual taxable wages over | Up to | Rate on this band |
|---|---|---|
| $0 | $8,500 | 3.9% |
| $8,500 | $11,700 | 4.4% |
| $11,700 | $13,900 | 5.15% |
| $13,900 | $80,650 | 5.4% |
| $80,650 | $96,800 | 5.9% |
| $96,800 | $107,650 | 6.57% |
| $107,650 | $157,650 | 7.07% |
| $157,650 | $211,550 | 8.01% |
| $211,550 | $323,200 | 6.4% |
| $323,200 | $373,200 | 13.49% |
| $373,200 | $1,077,550 | 7.35% |
| $1,077,550 | and above | 7.65% |
Federal taxes on every New York paycheck
Wherever you work in the U.S., three federal items come out of each paycheck. Federal income tax is withheld with the IRS percentage method: your employer annualizes your pay, subtracts $8,600 ($12,900 if married filing jointly) unless you checked the two-jobs box on Form W-4, applies the 2026 withholding brackets of 10% to 37%, and subtracts $2,200 for each child under 17 you claimed. Social Security takes 6.2% of wages up to $184,500, and Medicare takes 1.45%, plus 0.9% on wages above $200,000.
Frequently asked questions
What is NY PFL on my paycheck?
New York Paid Family Leave. In 2026 employees pay 0.432% of gross wages, up to $411.91 for the year.
What is NY SDI on my pay stub?
Statutory disability insurance. Employers can deduct 0.5% of wages, up to $0.60 a week ($31.20 a year).
Do I pay New York City tax if I work in NYC but live in New Jersey?
No. New York City income tax applies to city residents only. Nonresidents pay New York State tax on wages earned in the state.
Why is New York withholding so high on large salaries?
New York's withholding tables include a recapture that removes the benefit of the lower brackets as income rises, so high earners see rates above 10% in some bands.
Paycheck calculators for other states
Sources
Every rate and threshold on this page comes from these official publications. Last checked October 31, 2026.
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods
- IRS Rev. Proc. 2025-32 (2026 inflation adjustments)
- SSA, Contribution and Benefit Base
- NYS-50-T-NYS (1/26), New York State Withholding Tax Tables and Methods
- NYS-50-T-NYC (1/26), New York City Withholding Tax Tables and Methods
- New York Paid Family Leave, 2026 updates