New York Paycheck Calculator
Enter your pay details to see your New York take-home pay — state, city, SDI, and PFL all included.
Enter your pay details on the left to get started.
How the New York Paycheck Calculator Works
Get your complete New York take-home pay — state, city, SDI, and PFL included — in five steps.
Enter your pay
Type your annual salary or switch to hourly and enter your rate and hours. The NY salary calculator annualizes hourly pay automatically for accurate bracket calculation.
Choose filing status
Select single, married filing jointly, or head of household. This sets your New York State standard deduction and determines which NYS and NYC tax brackets apply.
Set IT-2104 allowances
Enter your withholding allowances from your NY IT-2104 form. Each allowance reduces your NY taxable income by $1,000 — directly lowering how much state tax is withheld.
Pick your location
Select upstate NY, New York City, Yonkers resident, or Yonkers nonresident. NYC and Yonkers residents pay additional local income tax on top of NYS tax — a critical difference.
See your full breakdown
Instantly view federal tax, NYS income tax, NYC or Yonkers local tax, SDI ($31.20/yr), PFL (0.388%), Social Security, Medicare, and your exact net take-home pay.
New York State, NYC & Local Tax Rates for 2026
New York has nine progressive state income tax brackets ranging from 3.90% to 10.90% for 2026, revised under Chapter 59 of the Laws of 2025. NYC residents pay an additional 3.078%–3.876% city tax, Yonkers residents pay a 16.75% surcharge on NYS tax, and all New York employees pay SDI and Paid Family Leave (PFL). Together, NYC residents at mid-to-high income face some of the highest combined income tax rates in the United States.
| Taxable Income (after NYS deductions) | Tax Rate | Tax Calculation |
|---|
| 2026 New York Key Withholding Figures | Amount |
|---|---|
| NYS standard deduction — Single / MFS | $8,000 |
| NYS standard deduction — Married Filing Jointly | $16,050 |
| NYS standard deduction — Head of Household | $11,200 |
| IT-2104 personal allowance (each) | $1,000 |
| NYC resident tax rates | 3.078% – 3.876% |
| Yonkers resident surcharge | 16.75% of NYS tax |
| Yonkers nonresident tax | 0.50% of wages |
| Social Security benefits taxable in NYS? | No — fully exempt |
| New York SDI & Paid Family Leave 2026 | Employee Rate |
|---|---|
| NY State Disability Insurance (DBL/SDI) | $0.60/week (max $31.20/yr) |
| NY Paid Family Leave (PFL) rate | 0.388% of wages |
| NY PFL maximum annual deduction | $399.43/yr |
| PFL wage base (2026 SAWW × 67 weeks) | $103,000 (approx.) |
| PFL benefit: % of Statewide Average Weekly Wage | 67% of SAWW max |
| NY unemployment insurance (SUTA) | Employer-paid only |
| NYC local income tax | Yes — residents only |
| Other NY county / city income tax | None (only NYC & Yonkers) |
Sources: NYS Publication NYS-50-T-NYS (January 2026), NYS Publication NYS-50-T-NYC (January 2026), NYS Publication NYS-50-T-Y (January 2026), NY Department of Taxation and Finance (tax.ny.gov). Brackets effective for payrolls on or after January 1, 2026. PFL rate confirmed at paidfamilyleave.ny.gov.
Understanding New York Payroll Taxes
New York State Income Tax
New York State uses nine progressive income tax brackets for 2026, revised under Chapter 59 of the Laws of 2025. Rates run from 3.90% on the first $8,500 of taxable income up to 10.90% on income above $25 million. The six lower brackets (3.90%–6.85%) apply to the vast majority of workers — only taxpayers with very high incomes reach the 9.65%, 10.30%, or 10.90% top brackets.
Important: New York has a supplemental "tax benefit recapture" provision for income over $107,650 that can effectively push some taxpayers to pay the top marginal rate on all income. This is modeled as a flat recalculation worksheet and is not included in the standard withholding calculator estimate above — high earners should verify with a tax professional.
New York City Resident Tax — The Third Layer
New York City is one of the few U.S. cities with its own dedicated income tax on residents. The NYC Personal Income Tax has four progressive brackets from 3.078% to 3.876% (2026 — unchanged from 2025). It applies in addition to both federal and NYS income tax, making NYC residents subject to three simultaneous income taxes on the same earnings.
The NYC tax is a resident tax — it applies based on where you live, not where you work. If you live in New Jersey but work in Manhattan, you generally do not owe NYC income tax (though you'd owe NJ state tax on your NJ return). If you live in Brooklyn and work in New Jersey, you do owe NYC tax. Our New York City Paycheck Calculator handles this distinction correctly.
The IT-2104 Form
New York's IT-2104 (Employee's Withholding Allowance Certificate) determines how much New York State and NYC tax your employer withholds. Unlike the current federal W-4 (which dropped allowances in 2020), the IT-2104 still uses an allowance system — each allowance reduces your NYS taxable income by $1,000/year. New York updated the IT-2104 instructions for 2026 to reflect the revised withholding tables.
Key tip: If you completed an IT-2104 before January 1, 2026, the NYS Department of Taxation and Finance recommends filing a new 2026 IT-2104 to ensure your withholding is accurate under the revised 2026 rate schedules.
New York SDI and Paid Family Leave
All New York employees pay two mandatory state insurance premiums. New York SDI (Disability Benefits Law) costs $0.60 per week, capped at $31.20/year — among the smallest payroll deductions in the country. New York Paid Family Leave (PFL) costs 0.388% of your gross wages in 2026, capped at $399.43/year. Together they fund up to 12 weeks of partially-paid family leave (at 67% of the Statewide Average Weekly Wage) and short-term disability coverage. Both are employee-paid deductions that appear on your pay stub.
Yonkers Local Tax
Yonkers is the only city in New York (besides New York City) with its own resident income tax. The Yonkers resident surcharge equals 16.75% of your New York State income tax liability — making it proportional rather than a separate bracket calculation. Yonkers nonresidents (employees who work in Yonkers but live elsewhere) owe a separate 0.50% earnings tax on wages earned in Yonkers. Our paycheck calculator for New York handles both scenarios.
New York vs. Neighboring States
New York's combined state and city tax burden is among the highest in the nation. A $100,000 single filer in New York City faces roughly $9,000–$10,500 in combined NYS + NYC income tax, compared to approximately $4,990 in Georgia (4.99% flat), $4,400 in Colorado (4.40% flat), $0 in Florida, and $0 in Texas. The difference compounds significantly for higher earners where NYC's top combined marginal rate exceeds 14% when including federal tax. Use our Paycheck Calculator by State to compare any two states side by side.
💡 How much more does a NYC resident pay in taxes vs. an upstate NY resident on the same salary?
On a $100,000 salary, a New York City resident pays roughly $3,400–$3,800 more per year in income tax than an upstate New York resident earning the same amount — purely because of the NYC resident income tax (3.078%–3.876%). Over a 10-year period at the same income, that's $34,000–$38,000 in additional taxes attributable solely to living within the five boroughs. Use our New York Paycheck Calculator to compare NYC vs. upstate by switching the location selector, or use our Salary Calculator to convert your hourly rate to annual income first.
New York Paycheck Calculator — Frequently Asked Questions
A New York paycheck has several deductions: federal income tax (10%–37%), Social Security (6.2% up to $184,500), Medicare (1.45%), New York State income tax (3.90%–10.90%), NY SDI ($0.60/week), and NY Paid Family Leave (0.388% up to $399.43/yr). If you live in New York City, add NYC resident tax (3.078%–3.876%); if you live in Yonkers, add a 16.75% surcharge on your NYS tax. For a single filer earning $80,000 outside NYC, total deductions are typically 26%–29% of gross pay. NYC residents see closer to 29%–32%. Use our New York Paycheck Calculator for your exact figure.
Yes. This paycheck calculator for New York includes a location selector with four options: upstate New York (no local tax), New York City resident (adds 3.078%–3.876% NYC tax), Yonkers resident (adds a 16.75% surcharge on NYS tax), and Yonkers nonresident (adds 0.50% on wages). Most generic New York calculators only model state tax — this one accounts for the full local tax picture that NYC and Yonkers residents actually face.
New York State has nine progressive income tax brackets for 2026, ranging from 3.90% on the lowest income up to 10.90% on income above $25 million (single filer). These brackets were revised under Chapter 59 of the Laws of 2025 and are effective for payrolls beginning January 1, 2026. Most New York workers fall into the 4.50%–6.85% range. Married filing jointly brackets have roughly double the income thresholds of single filer brackets.
New York City resident income tax adds an additional 3.078% to 3.876% on top of New York State income tax, using four progressive brackets. This applies only to NYC residents (all five boroughs: Manhattan, Brooklyn, Queens, the Bronx, and Staten Island) — not to people who simply work in NYC but live elsewhere. A New York City paycheck calculator must add this third tax layer on top of state and federal tax to be accurate.
The IT-2104 is New York's Employee's Withholding Allowance Certificate — the state equivalent of a federal W-4. Each allowance you claim reduces your New York taxable income by $1,000 per year. Unlike the current federal W-4, the IT-2104 still uses an allowance-based system. The NYS Department of Taxation and Finance recommends submitting a new 2026 IT-2104 if you completed one prior to January 1, 2026, since the underlying withholding tables changed.
SDI (State Disability Insurance, officially the Disability Benefits Law) costs New York employees $0.60 per week, capped at $31.20 per year — funding short-term disability benefits. PFL (Paid Family Leave) costs 0.388% of your gross wages in 2026, capped at $399.43 per year — funding up to 12 weeks of partially paid leave to bond with a new child or care for a seriously ill family member. Both are mandatory employee-paid deductions that appear separately on New York pay stubs.
On an $80,000 salary as a single filer living outside NYC and Yonkers, your estimated 2026 New York take-home pay is approximately $58,500–$60,000 annually, or about $2,250–$2,310 biweekly. If you live in New York City, subtract an additional $2,000–$2,200 per year for NYC resident tax, bringing take-home to roughly $56,500–$58,000. Use our New York take home pay calculator above for your exact numbers based on your location and filing status.
It depends on your income level. Yonkers' resident surcharge is 16.75% of your New York State tax liability — at lower-to-moderate incomes this is often somewhat less than NYC's flat-bracket city tax, but at higher incomes it can approach similar amounts since it scales directly with your NYS tax. Yonkers nonresidents (working in Yonkers but living elsewhere) pay a much smaller 0.50% tax on wages earned there. Use the location selector in our New York payroll calculator to compare Yonkers, NYC, and upstate scenarios directly.
We offer a general Paycheck Calculator, a Salary Calculator to convert hourly to annual pay, an Overtime Calculator, a 401(k) Calculator, and state-specific paycheck calculators for all 50 states including California, Florida, Georgia, Colorado, Hawaii, and Maryland. Compare New York against any other state at our Paycheck Calculator by State or visit USA Pay Calculator to see all free tools.