New York Paycheck Calculator

$$\text{Net Pay}=\text{Gross Pay}-\text{Taxes}-\text{Other Deductions} [formula]

Gross pay is the amount you earn before deductions. Net pay, also called take-home pay, is what remains after taxes and other deductions have been subtracted.

For example, an employee earning $5,000 per month has $5,000 in monthly gross pay before deductions. Their actual take-home pay will be lower if income taxes, payroll taxes, insurance premiums, retirement contributions, or other deductions apply.

A calculator provides an estimate, not a guarantee of your final paycheck or annual tax liability. The result depends on the accuracy of your information and the tax rules used by the calculator.

What Taxes Are Deducted From a New York Paycheck?

A comprehensive New York paycheck calculator should account for the taxes that apply to your earnings and location. The most common are federal income tax, New York State income tax, Social Security, and Medicare. Additional deductions may apply to New York City residents and certain other employees.

1. Federal income tax

Federal income tax is collected by the Internal Revenue Service (IRS). The amount withheld depends on your taxable wages, filing status, Form W-4 elections, and other relevant information.

The United States uses a progressive tax system. Different portions of taxable income are taxed at different rates, which means your highest marginal tax rate does not apply to every dollar you earn.

Federal withholding is an estimate of the tax you are expected to owe. Your final liability is calculated when you file your federal income tax return.

2. New York State income tax

New York State imposes a personal income tax on taxable income. The amount depends on factors such as your filing status, taxable income, deductions, credits, and applicable tax rates.

New York updated its state income tax withholding tables for payrolls made on or after January 1, 2026, following changes to certain income tax rates. A calculator intended for 2026 estimates should use the relevant 2026 rates and withholding methods rather than older tables.

Your New York State income tax withholding may not exactly match your final state tax liability. When you file your return, the tax calculation considers your complete income and eligibility for deductions and credits.

3. New York City income tax

If you are a resident of New York City, you generally pay New York City personal income tax in addition to New York State income tax and federal taxes.

The NYC tax calculation depends on your city taxable income and filing status. New York City residents should therefore use an NYC tax calculator or a paycheck calculator that explicitly includes city income tax.

New York City income tax is generally based on residency, not simply on whether your employer’s office is located in the city. A person who works in Manhattan but lives elsewhere in New York State should not automatically be treated as an NYC resident for city income tax purposes. Residency and special circumstances can affect the result.

4. Yonkers income tax

Yonkers has a local income tax surcharge for residents and a separate nonresident earnings tax for certain people who work in the city but live elsewhere.

Whether these taxes apply depends on your residency and employment circumstances. If you live in Yonkers or work there while residing elsewhere, check whether your paycheck includes the appropriate Yonkers withholding.

New York publishes separate withholding guidance for Yonkers, New York State, and New York City.

5. Social Security tax

Most employees pay Social Security tax at 6.2% of covered wages, up to the annual wage base. Employers generally pay a matching amount.

For 2026, the Social Security wage base is $184,500. Once your covered wages reach the applicable annual limit, standard Social Security withholding generally stops for the remainder of that calendar year with that employer. If you work for multiple employers, excess withholding may be creditable on your federal tax return.

6. Medicare tax

Most employees pay Medicare tax at 1.45% of covered wages. Unlike standard Social Security tax, Medicare tax generally has no wage ceiling.

Higher-income employees may also be subject to Additional Medicare Tax. Employers are required to withhold this additional tax once wages paid by that employer exceed the applicable withholding threshold, although your final liability depends on your total earnings and filing status.

7. New York Paid Family Leave contributions

New York’s Paid Family Leave program is generally funded through employee payroll contributions. The contribution rate and maximum annual amount can change, so a current calculator should use the rate applicable to the relevant year.

For 2026, the employee contribution rate is 0.432% of gross wages per pay period, subject to a maximum annual contribution of $411.91.

For example, an employee earning $2,000 in gross wages during a pay period would have a preliminary contribution of $8.64 at that rate, assuming the contribution cap has not been reached:
[formula] \$2,000\times0.432\%=\$8.64 [formula]

This is a contribution toward Paid Family Leave insurance, not an income tax. The amount withheld can be lower if the annual maximum has already been reached.

8. New York disability insurance and other deductions

New York employers generally must provide statutory disability benefits coverage for eligible employees. Employee contributions toward disability insurance may be permitted within state limits.

Your paycheck may also include deductions for health insurance, dental coverage, retirement savings, union dues, or other authorized purposes. The tax treatment of these deductions varies.

A useful paycheck calculator should distinguish taxes from benefits and other deductions. It should also avoid treating employer-paid payroll costs as if they were automatically deducted from an employee’s gross wages.

NYC Paycheck Calculator vs. New York State Paycheck Calculator

The difference between an NYC paycheck calculator and a statewide New York paycheck calculator is primarily the local taxes and circumstances included.

Feature	New York State paycheck calculator	NYC paycheck calculator
Federal income tax	Included in a comprehensive estimate	Included in a comprehensive estimate
New York State income tax	Included	Included
Social Security and Medicare	Included	Included
NYC personal income tax	Included only if applicable	Included for applicable NYC residents
Yonkers tax	Included if applicable	Included only if relevant to the user’s circumstances
Other deductions	Depends on calculator	Depends on calculator

If you live in New York City, use an NYC paycheck calculator that accounts for city income tax. If you live elsewhere in New York State, choose a calculator that reflects your actual residency and any applicable local taxes.

Important: Working in New York City does not, by itself, mean that you owe NYC resident income tax. Your residence, work arrangement, and other circumstances matter.

New York Salary Calculator: Estimate Your Salary After Taxes

A New York salary calculator helps you estimate how much of your annual salary you will receive after payroll taxes and other deductions. This is useful when comparing job offers, planning monthly expenses, or deciding whether a salary will cover your cost of living.

Consider an employee earning $80,000 per year. The following table shows gross pay before taxes and deductions.

Pay frequency	Gross pay
Annual	$80,000.00
Monthly	$6,666.67
Semimonthly	$3,333.33
Biweekly	$3,076.92
Weekly	$1,538.46

These amounts represent gross earnings, not take-home pay. The employee’s actual net pay will depend on federal and New York taxes, possible NYC or Yonkers taxes, benefits, retirement contributions, and other deductions.

When comparing jobs, consider more than the advertised salary. Health insurance premiums, retirement matching, paid leave, commuting expenses, and local income taxes can all affect the financial value of an offer.

New York Paycheck Calculator by Pay Frequency

Your pay frequency determines how often you receive your wages and how much you receive before deductions on each payday.

Pay schedule	Typical pay periods per year	Calculation
Weekly	52	Annual salary ÷ 52
Biweekly	26	Annual salary ÷ 26
Semimonthly	24	Annual salary ÷ 24
Monthly	12	Annual salary ÷ 12

For example, a $60,000 annual salary produces gross biweekly pay of approximately $2,307.69. The same salary produces gross semimonthly pay of $2,500.

Biweekly and semimonthly pay are not the same. Biweekly employees generally receive a paycheck every two weeks, while semimonthly employees are paid twice each month. This difference affects the amount of each paycheck even when annual earnings remain unchanged.

A paycheck calculator should let you select the correct pay schedule so that your estimate reflects the amount you typically receive on payday.

How to Calculate Your New York Paycheck

To estimate your take-home pay, follow these steps.

1. Determine gross earnings. For salaried employees, divide annual salary by the number of pay periods. For hourly employees, multiply the hourly rate by the hours worked and add applicable overtime or other earnings.
2. Estimate federal income tax withholding. Use your filing status and federal withholding information.
3. Estimate New York State income tax. Apply the withholding rules relevant to your income and circumstances.
4. Account for local income taxes. Include NYC or Yonkers tax where applicable.
5. Subtract payroll taxes. Include Social Security, Medicare, and applicable New York payroll contributions.
6. Subtract other deductions. Account for insurance, retirement contributions, and other deductions from your pay.
7. Calculate net pay. Subtract the total applicable taxes and deductions from gross earnings.

The formula is:
[formula] \text{Net Pay}=\text{Gross Pay}-\text{Taxes}-\text{Other Deductions}$$

$$\$3,000-\$700-\$200=\$2,100$$