Weekly (52 pay periods per year)
Bi-weekly (26 pay periods per year)
Semi-monthly (24 pay periods per year)
Monthly (12 pay periods per year)
Your Estimated Net Paycheck: $0.00
Understanding Your New York Paycheck Taxes
Calculating your take-home pay (net pay) in New York involves understanding the various taxes and deductions taken from your gross salary. This calculator provides an estimate based on federal and New York State income tax withholding. It's important to note that this is a simplified model and actual withholdings can vary due to specific circumstances, employer payroll systems, and potential local taxes not included here.
Key Components of Your Paycheck Deduction:
Federal Income Tax: Calculated based on your gross pay, your filing status, and the number of allowances you claim on your W-4 form. The IRS uses tax brackets to determine the appropriate tax rate. Additional voluntary withholding can be added.
New York State Income Tax: Similar to federal tax, this is calculated based on your gross pay, New York State tax brackets, and the allowances claimed on your IT-2104 form. New York has progressive tax rates.
FICA Taxes (Social Security and Medicare): These are federal taxes. Social Security is 6.2% on earnings up to a certain limit (which changes annually), and Medicare is 1.45% on all earnings. These are generally not adjustable through allowances.
Other Deductions: This calculator does not include deductions for health insurance premiums, retirement contributions (401k, etc.), union dues, or other voluntary deductions.
How the Calculator Works:
This calculator estimates your net pay by first calculating your taxable income for both federal and state purposes.
Per-Paycheck Gross Income: Your annual gross salary is divided by your selected pay frequency to determine your gross income per paycheck.
Federal Income Tax Withholding: This is a simplified estimation. The IRS provides withholding tables, but a common approach is to take the annual taxable income (Gross Salary – (Allowances * Standard Deduction per Allowance)) and divide it by the number of pay periods. This calculator uses a simplified method for demonstration. The actual calculation by employers is more complex and often uses a percentage method or wage bracket method based on IRS Publication 15-T. For this calculator, we use a simplified annual calculation divided by pay periods.
New York State Income Tax Withholding: Similar to federal, NY State uses tax brackets and allowances. The NY State Department of Taxation and Finance provides withholding information. This calculator uses a simplified approximation based on annual income and allowances, then divides by pay periods.
FICA Taxes: Calculated directly as 6.2% for Social Security (up to the annual limit, though this calculator assumes it's not reached for simplicity) and 1.45% for Medicare on your gross per-paycheck income.
Net Pay: Gross Per-Paycheck Income – Estimated Federal Tax – Estimated NY State Tax – Social Security Tax – Medicare Tax.
Disclaimer: This calculator is for estimation purposes only. Tax laws are complex and can change. Consult with a qualified tax professional or your employer's payroll department for precise figures.
function calculateNYPaycheckTaxes() {
var annualSalary = parseFloat(document.getElementById("annualSalary").value);
var payFrequency = parseFloat(document.getElementById("payFrequency").value);
var federalAllowances = parseFloat(document.getElementById("federalAllowances").value);
var stateAllowances = parseFloat(document.getElementById("stateAllowances").value);
var additionalFederalWithholding = parseFloat(document.getElementById("additionalWithholding").value);
var additionalStateWithholding = parseFloat(document.getElementById("additionalStateWithholding").value);
var resultElement = document.getElementById("result").getElementsByTagName("span")[0];
if (isNaN(annualSalary) || annualSalary <= 0 ||
isNaN(payFrequency) || payFrequency <= 0 ||
isNaN(federalAllowances) || federalAllowances < 0 ||
isNaN(stateAllowances) || stateAllowances < 0 ||
isNaN(additionalFederalWithholding) || additionalFederalWithholding < 0 ||
isNaN(additionalStateWithholding) || additionalStateWithholding < 0) {
resultElement.textContent = "Please enter valid numbers for all fields.";
return;
}
var grossPerPaycheck = annualSalary / payFrequency;
// — FICA Taxes —
var ficaSocialSecurityRate = 0.062; // 6.2%
var ficaMedicareRate = 0.0145; // 1.45%
var socialSecurityTax = grossPerPaycheck * ficaSocialSecurityRate;
var medicareTax = grossPerPaycheck * ficaMedicareRate;
// Note: Social Security has an annual wage base limit, but for simplicity, we're not enforcing it here as most paychecks won't exceed it.
// — Federal Income Tax Estimation —
// This is a highly simplified estimation. Actual federal withholding uses IRS Publication 15-T (Wage Bracket or Percentage Method).
// For estimation, we'll use a rough annualized approach based on allowances.
// Standard deduction amounts vary by tax year and filing status (assumed Single for simplicity).
// Let's use a placeholder standard deduction per allowance for estimation.
var estimatedAnnualFederalTaxableIncome = annualSalary – (federalAllowances * 3000); // Very rough estimate: $3000 per allowance factor
if (estimatedAnnualFederalTaxableIncome 0) {
if (estimatedAnnualFederalTaxableIncome <= 11000) { // Approx bracket 10%
estimatedAnnualFederalTax = estimatedAnnualFederalTaxableIncome * 0.10;
} else if (estimatedAnnualFederalTaxableIncome <= 44725) { // Approx bracket 12%
estimatedAnnualFederalTax = 1100 + (estimatedAnnualFederalTaxableIncome – 11000) * 0.12;
} else if (estimatedAnnualFederalTaxableIncome <= 95375) { // Approx bracket 22%
estimatedAnnualFederalTax = 1100 + (44725 – 11000) * 0.12 + (estimatedAnnualFederalTaxableIncome – 44725) * 0.22;
} else if (estimatedAnnualFederalTaxableIncome <= 182100) { // Approx bracket 24%
estimatedAnnualFederalTax = 1100 + (44725 – 11000) * 0.12 + (95375 – 44725) * 0.22 + (estimatedAnnualFederalTaxableIncome – 95375) * 0.24;
} else { // Higher brackets – further simplified
estimatedAnnualFederalTax = 1100 + (44725 – 11000) * 0.12 + (95375 – 44725) * 0.22 + (182100 – 95375) * 0.24 + (estimatedAnnualFederalTaxableIncome – 182100) * 0.32; // Using 32% as a placeholder for higher rates
}
}
var estimatedFederalTaxPerPaycheck = (estimatedAnnualFederalTax / payFrequency) + (additionalFederalWithholding / payFrequency);
if (estimatedFederalTaxPerPaycheck < 0) estimatedFederalTaxPerPaycheck = 0;
// — New York State Income Tax Estimation —
// Similar simplification. NY State has its own brackets and allowance values.
// Let's use a simplified annual calculation based on allowances.
// NY State standard deduction and allowance values vary. Using rough placeholders.
var estimatedAnnualStateTaxableIncome = annualSalary – (stateAllowances * 1000); // Very rough estimate: $1000 per allowance factor
if (estimatedAnnualStateTaxableIncome 0) {
if (estimatedAnnualStateTaxableIncome <= 8500) { // Approx bracket 4%
estimatedAnnualStateTax = estimatedAnnualStateTaxableIncome * 0.04;
} else if (estimatedAnnualStateTaxableIncome <= 11700) { // Approx bracket 4.5%
estimatedAnnualStateTax = 340 + (estimatedAnnualStateTaxableIncome – 8500) * 0.045;
} else if (estimatedAnnualStateTaxableIncome <= 16100) { // Approx bracket 5%
estimatedAnnualStateTax = 340 + (11700 – 8500) * 0.045 + (estimatedAnnualStateTaxableIncome – 11700) * 0.05;
} else if (estimatedAnnualStateTaxableIncome <= 20400) { // Approx bracket 5.5%
estimatedAnnualStateTax = 340 + (11700 – 8500) * 0.045 + (16100 – 11700) * 0.05 + (estimatedAnnualStateTaxableIncome – 16100) * 0.055;
} else if (estimatedAnnualStateTaxableIncome <= 107650) { // Approx bracket 6.85%
estimatedAnnualStateTax = 340 + (11700 – 8500) * 0.045 + (16100 – 11700) * 0.05 + (20400 – 16100) * 0.055 + (estimatedAnnualStateTaxableIncome – 20400) * 0.0685;
} else { // Higher brackets – further simplified
estimatedAnnualStateTax = 340 + (11700 – 8500) * 0.045 + (16100 – 11700) * 0.05 + (20400 – 16100) * 0.055 + (107650 – 20400) * 0.0685 + (estimatedAnnualStateTaxableIncome – 107650) * 0.103; // Using 10.3% as a placeholder for top rates
}
}
var estimatedStateTaxPerPaycheck = (estimatedAnnualStateTax / payFrequency) + (additionalStateWithholding / payFrequency);
if (estimatedStateTaxPerPaycheck < 0) estimatedStateTaxPerPaycheck = 0;
// — Calculate Net Pay —
var totalDeductions = socialSecurityTax + medicareTax + estimatedFederalTaxPerPaycheck + estimatedStateTaxPerPaycheck;
var netPayPerPaycheck = grossPerPaycheck – totalDeductions;
if (netPayPerPaycheck < 0) netPayPerPaycheck = 0; // Net pay cannot be negative
resultElement.textContent = "$" + netPayPerPaycheck.toFixed(2);
}