New York Paycheck Calculator (2026)

Estimate your New York take-home pay after federal and state taxes, PFL, disability, and FICA.

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How New York state income tax works

New York State has a progressive income tax with rates from 4% to 10.9% for 2026. Note that New York City and Yonkers add their own local income taxes for residents, which this state-level estimate does not include.

Taxable income (single)	Marginal rate
$0 – $8,500	4.0%
$8,500 – $11,700	4.5%
$11,700 – $13,900	5.25%
$13,900 – $80,650	5.5%
$80,650 – $215,400	6.0%
$215,400 – $1,077,550	6.85%
$1,077,550 – $5,000,000	9.65%
$5M – $25M	10.3%
$25,000,000+	10.9%

New York payroll deductions

New York requires two mandatory paycheck contributions in addition to income tax:

• NY Paid Family Leave (PFL) — about 0.432% of wages, capped at $411.91 per year for 2026.
• NY Disability (DBL) — 0.5% of the first $120 of weekly wages, a maximum of roughly $31.20 per year.

If you live in New York City or Yonkers, you also owe a local income tax that is separate from the state tax shown here.

Take-home pay examples (2026, single filer)

Estimated annual take-home pay after federal tax, Social Security, Medicare, and state taxes, using the standard deduction. Your actual amount depends on your filing status, pre-tax deductions, and other factors.

Gross salary	Take-home / yr	/ month	/ biweekly	Kept
$40,000	$32,081	$2,673	$1,234	80%
$60,000	$46,965	$3,914	$1,806	78%
$75,000	$57,277	$4,773	$2,203	76%
$100,000	$73,305	$6,109	$2,819	73%
$150,000	$104,916	$8,743	$4,035	70%

Calculate your exact take-home →

Figures are 2026 estimates for a single filer with no extra deductions. Use the calculator for hourly pay, overtime, 401(k), HSA, filing status, and more.

What makes a New York paycheck different

New York is unusual because a single paycheck can be subject to three separate layers of income tax: federal, New York State, and — for residents of New York City — a city income tax on top. Add the state's paid family leave and disability contributions and a New York pay stub can carry more distinct deductions than almost anywhere else in the country. Knowing which of these apply to you is essential to estimating take-home pay accurately.

State income tax brackets

New York State applies a progressive income tax that begins at 4% and rises through a series of brackets to a top rate above 10% for very high earners. Like the federal system, these are marginal rates applied band by band. New York also offers its own standard deduction, which differs by filing status and is separate from the federal standard deduction.

New York City and Yonkers local taxes

This is the deduction that catches newcomers by surprise. If you live in one of the five boroughs, you owe New York City resident income tax in addition to state tax, with rates that generally fall between roughly 3% and just under 4%. Yonkers levies its own resident surcharge. Note the distinction carefully: NYC resident tax is based on where you live, not where you work. Someone who commutes into Manhattan from New Jersey or Long Island does not pay the city resident tax, while someone who lives in Brooklyn and works remotely for an out-of-state employer generally does.

Paid Family Leave and disability contributions

New York requires employee contributions to two programs. Paid Family Leave (PFL) is deducted as a percentage of wages up to an annual maximum contribution, funding job-protected paid leave to bond with a new child, care for a seriously ill relative, or manage responsibilities when a family member is deployed. Disability Benefits Law (DBL) coverage is capped at a very small amount — a fraction of a percent of wages, limited to a modest annual maximum — and provides short-term disability benefits. Both appear as separate small lines on your pay stub.

Planning tips for New York earners

The combined effect of federal, state, and city tax means New York City residents face some of the highest marginal rates in the country, which makes pre-tax deferral unusually powerful. Contributions to a traditional 401(k), an HSA, or pre-tax commuter and health benefits reduce income subject to all three layers simultaneously. New York also offers pre-tax commuter benefit programs that many employers support, which can be meaningful given transit costs in the metropolitan area.

If you are comparing offers between a role in the city and one in the suburbs or another state, model both in the calculator above. The city resident tax alone can shift the comparison by thousands of dollars a year, and it is easy to overlook when looking only at the headline salary.