New York Paycheck Calculator

Up to seven lines come out of a New York paycheck: federal income tax, Social Security (6.2% up to $184,500), Medicare (1.45%), New York State income tax, New York City income tax for residents of the five boroughs, Paid Family Leave, and disability benefits insurance (DBL). The quick answer above leaves out city tax. Tick “I live in New York City” in the calculator to add it. Pre-tax 401(k) deductions lower the wages the state formula starts from.

The state formula subtracts $7,400 for single and head of household filers or $7,950 for married filers, plus $1,000 per IT-2104 allowance. Single rates start at 3.9% on the first $8,500 and reach 5.9% at $80,650. Rows from $96,800 up are recapture rows, with rates such as 7.03% and 11.44% that claw back the benefit of the lower brackets. Once net wages reach $1,077,550 (single) or $2,155,350 (married), a flat 10.45% applies to all of them, then 11.10% from $5,000,000 and 11.70% from $25,000,000.

City tax uses its own schedule: wages minus $5,000 ($5,500 married) and $1,000 per allowance, withheld from 2.05% on the first $8,000 to 4.25% above $60,000. Paid Family Leave is 0.432% of wages, at most $411.91 a year, and DBL is 0.5% of wages, at most 60 cents a week. The calculator does not model the Yonkers resident surcharge (16.75% of state tax) or the 0.5% nonresident earnings tax, so Yonkers residents and workers should add those separately.

For 2026 the five lowest state rates fell by 0.1 percentage point under Chapter 59 of the Laws of 2025, with another 0.1 point scheduled for 2027. City rates are unchanged, and Paid Family Leave rose from 0.388% to 0.432%. Bonuses are withheld at 11.70% for state tax, the rate this site's bonus calculator applies, plus 4.25% for New York City residents. New York has no reciprocity agreements with other states.