PaycheckState

New York Paycheck Calculator

Updated for the 2026 tax year

Quick answer

How much is take-home pay on $60,000 in New York?

A single filer earning $60,000 in New York takes home about $1,826.07 per biweekly paycheck in 2026, or $47,477.72 a year. That is an effective tax rate of 20.9% across federal, FICA, and state withholdings.

SalaryTake-home (year)Effective rate
$40,000$32,574.1818.6%
$60,000$47,477.7220.9%
$80,000$61,031.3423.7%
$100,000$73,900.8026.1%

Single filer, paid biweekly, standard W-4, no pre-tax deductions.

New York withholds on a ten-row state schedule from 3.9% to 10.9% after a $7,400 deduction and $1,000 per allowance, and New York City residents pay a second tax of 2.05% to 4.25%. Paid Family Leave and disability add small premiums. This calculator uses the January 2026 NYS-50-T tables, plus 2026 federal and FICA rates.

How New York paycheck taxes work

Your New York paycheck has four to five withholdings: federal income tax, Social Security, and Medicare, New York State income tax, New York City income tax if you live in the five boroughs (tick the box in the calculator), plus Paid Family Leave and disability premiums.

The state formula subtracts $7,400 (single, head of household) or $7,950 (married) and $1,000 per IT-2104 allowance, then applies the exact-calculation schedule: 3.9% on the first $8,500, stepping to 5.4% at $13,900, 5.9% at $80,650, and a series of recapture rows above $96,800 that gradually flatten the effective rate to 6.85% and higher. Above $1,077,550 of net wages (single) a flat 10.45% applies to everything, then 11.1% and 11.7% at $5 million and $25 million. City tax uses its own schedule after a $5,000 deduction. Paid Family Leave costs 0.432% of wages up to $411.91 a year; disability 0.5% up to 60 cents a week.

New York tax rates (2026)

New York withholding on annualized wages after the adjustments below.

Standard deduction$7,400 single · $7,950 married jointly
Personal exemption$1,000 each
New York City income taxResidents of the five boroughs pay NYC tax withheld with state tax (2.05% to 4.25%); Yonkers surcharge not modeled. Tick the resident box in the calculator.
NY Paid Family Leave0.432% up to $95,350
NY disability benefits (DBL)0.5% up to $6,240
Wages under $1,077,550
Taxable wagesWithholding
$0 – $8,5003.90%
$8,500 – $11,700$332.00 + 4.40% of excess over $8,500
$11,700 – $13,900$472.00 + 5.15% of excess over $11,700
$13,900 – $80,650$586.00 + 5.40% of excess over $13,900
$80,650 – $96,800$4,190.00 + 5.90% of excess over $80,650
$96,800 – $107,650$5,143.00 + 7.03% of excess over $96,800
$107,650 – $157,650$5,906.00 + 7.53% of excess over $107,650
$157,650 – $215,400$9,673.00 + 6.40% of excess over $157,650
$215,400 – $265,400$13,369.00 + 11.44% of excess over $215,400
Over $265,400$19,091.00 + 7.35% of excess over $265,400
Wages of $1,077,550 and over
Taxable wagesWithholding
Over $010.45%
Wages of $2,155,350 and over
Taxable wagesWithholding
Wages of $5,000,000 and over
Taxable wagesWithholding
Over $011.10%
Wages of $25,000,000 and over
Taxable wagesWithholding
Over $011.70%

Example: $60,000 in New York

Single filer, paid biweekly, standard W-4, no pre-tax deductions.

Per paycheckPer year
Gross pay$2,307.69$60,000.00
Federal income tax$193.08$5,020.08
Social Security$143.08$3,720.00
Medicare$33.46$870.00
New York income tax$100.84$2,621.80
NY Paid Family Leave$9.97$259.20
NY disability benefits (DBL)$1.20$31.20
Take-home pay$1,826.07$47,477.72

New York paycheck FAQ

How much is New York City income tax on a paycheck?

For residents, 2.05% on the first $8,000 of wages after a $5,000 deduction and $1,000 per allowance, rising to 4.25% above $60,000. Nonresidents who work in the city pay nothing to the city. The Yonkers surcharge is separate and not included here.

Why does the New York schedule have rates like 11.44%?

Those are recapture rows. New York's tax law removes the benefit of lower brackets as income rises, and the withholding tables build that in as temporarily higher marginal rates. They are reproduced exactly as published.

What changed in New York withholding for 2026?

The five lowest state rates dropped 0.1 point under the 2025 budget, with another 0.1 coming in 2027. Paid Family Leave rose from 0.388% to 0.432% of wages, capped at $411.91. New York City rates are unchanged.

Sources

Rates verified against these documents on September 14, 2026.

  1. NYS Tax, NYS-50-T-NYS (1/26) New York State withholding tax tables and methods
  2. NYS Tax, NYS-50-T-NYC (1/26) New York City withholding
  3. NY Paid Family Leave 2026 (0.432%, cap $411.91)
  4. NY WCB, disability benefits employee contribution (0.5%, max $0.60/week)

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