Estimate your net pay in New York after federal, state, and local taxes, plus FICA.
Weekly
Bi-Weekly (Every 2 weeks)
Semi-Monthly (Twice a month)
Monthly
Yes
No
Yes
No
Estimated Net Pay
$0.00
Gross Pay: $0.00
Enter your details above to see a breakdown.
Understanding Your New York Paycheck
Calculating your net pay (take-home pay) involves subtracting various deductions from your gross pay. In New York, this includes federal income tax, New York State income tax, potentially New York City and/or Yonkers city income taxes, and FICA taxes (Social Security and Medicare). This calculator provides an estimation based on common tax rules and user inputs.
Key Components of Your Paycheck Calculation:
Gross Pay: This is the total amount of money you earn before any deductions are taken out. It's usually based on your hourly wage or salary.
Pay Frequency: How often you get paid (weekly, bi-weekly, semi-monthly, monthly) affects how annual tax tables are applied to your paycheck.
Federal Income Tax: This tax supports federal government programs. The amount withheld depends on your gross pay, your filing status, and the number of allowances you claim on Form W-4. Higher allowances generally mean lower withholding.
FICA Taxes: This mandatory deduction covers Social Security (6.2% on income up to a certain limit) and Medicare (1.45% on all income). These are often referred to as OASDI (Old-Age, Survivors, and Disability Insurance) and Hospital Insurance.
New York State Income Tax: New York has a progressive income tax system, meaning higher earners pay a larger percentage of their income in taxes. Withholding is based on your gross pay and the allowances claimed on your New York State IT-2104 form.
New York City Income Tax: If you live or work in NYC, you'll also have this city-level tax deducted. It's also progressive and is calculated based on your income.
Yonkers Income Tax: Residents of Yonkers are subject to a specific city tax, which is withheld from paychecks.
Net Pay (Take-Home Pay): This is the final amount you receive after all mandatory deductions are subtracted from your gross pay.
How the Calculation Works (Simplified):
The calculator estimates withholding based on standard tax rates and brackets for New York.
Annualize Income: Your gross pay per period is multiplied by the number of pay periods in a year (e.g., 52 for weekly, 26 for bi-weekly).
Calculate Federal Tax: Based on the annualized gross income and federal allowances, an estimated annual federal tax is determined using tax tables. This annual tax is then divided by the number of pay periods to get the withholding per paycheck.
Calculate FICA Taxes: Social Security (6.2%) and Medicare (1.45%) are calculated on the gross pay for the period.
Calculate State Tax: Similar to federal tax, New York State tax is estimated based on annualized income and state allowances using NYS tax tables/rates. This is then prorated per paycheck.
Calculate City Taxes (if applicable): NYC and Yonkers taxes are calculated based on their respective tax rates and income brackets, applied to the gross pay for the period.
Sum Deductions: All calculated taxes and FICA are added together.
Calculate Net Pay: Gross Pay – Total Deductions = Net Pay.
Disclaimer: This calculator provides an *estimate* only. Actual withholdings may vary due to factors like additional voluntary deductions (401k, health insurance premiums not subject to tax), tax credits, specific employer payroll systems, and changes in tax laws. For precise figures, consult your pay stub or a tax professional.
Example Calculation:
Let's assume:
Gross Pay (Per Pay Period): $1,200
Pay Frequency: Bi-Weekly
Federal Allowances: 1
NY State Allowances: 1
NYC Resident: Yes
Yonkers Resident: No
Based on these inputs, the calculator will estimate:
Estimated Federal Tax: Calculated based on $31,200 annual income and 1 allowance.
Estimated NY State Tax: Calculated based on $31,200 annual income and 1 allowance.
Estimated NYC Tax: Calculated based on $31,200 annual income for NYC residents.
Total Estimated Deductions = Federal Tax + FICA + NY State Tax + NYC Tax
Estimated Net Pay = $1,200 – Total Estimated Deductions
The result will show your estimated take-home pay for that bi-weekly period.
// Tax rates and brackets – these are simplified for estimation purposes.
// Real calculations involve more complex tables and phase-outs.
// Federal Income Tax Brackets (Single Filer, 2023 – adjust as needed for current year)
// These are annual taxable income brackets. The calculation prorates based on allowances.
var federalBrackets = [
{ limit: 11000, rate: 0.10 },
{ limit: 44725, rate: 0.12 },
{ limit: 95375, rate: 0.22 },
{ limit: 182100, rate: 0.24 },
{ limit: 231250, rate: 0.32 },
{ limit: 578125, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
];
var standardDeductionFederal = 13850; // For single filers
// NY State Income Tax Brackets (2023 – adjust as needed)
var nyStateBrackets = [
{ limit: 0, rate: 0.04 }, // 0% on first $0 income
{ limit: 8500, rate: 0.04 }, // Up to 8500
{ limit: 11700, rate: 0.045 },// Up to 11700
{ limit: 13900, rate: 0.051 },// Up to 13900
{ limit: 16100, rate: 0.059 },// Up to 16100
{ limit: 19200, rate: 0.063 },// Up to 19200
{ limit: 24150, rate: 0.069 },// Up to 24150
{ limit: 100000, rate: 0.077 },// Up to 100000
{ limit: 200000, rate: 0.084 },// Up to 200000
{ limit: Infinity, rate: 0.0882 } // Above 200000
];
// NY State personal exemption amount (simplified) – This is a deduction from income, not a flat credit.
// Actual calculation involves a phase-out based on income. Simplified here.
var nyPersonalExemption = 8000; // For single, adjust based on actual personal allowance values.
// NYC Income Tax Brackets (2023 – adjust as needed)
var nycBrackets = [
{ limit: 0, rate: 0.0307 }, // 3.07% on first $0 income
{ limit: 12000, rate: 0.0307 }, // Up to 12000
{ limit: 25000, rate: 0.0376 }, // Up to 25000
{ limit: 50000, rate: 0.0376 }, // Up to 50000
{ limit: 100000, rate: 0.0376 },// Up to 100000
{ limit: 150000, rate: 0.0382 },// Up to 150000
{ limit: 250000, rate: 0.0388 },// Up to 250000
{ limit: 500000, rate: 0.0388 },// Up to 500000
{ limit: Infinity, rate: 0.0391 } // Above 500000
];
var nycPersonalExemption = 8000; // Simplified
// Yonkers Income Tax Brackets (2023 – adjust as needed) – Only applies if NYC resident is NO, but Yonkers resident is YES.
// Note: Yonkers tax can be complex, with different rates for residents vs. commuters. This is a simplified resident tax.
var yonkersBrackets = [
{ limit: 0, rate: 0.0160 }, // 1.60% on first $0 income
{ limit: 10000, rate: 0.0160 }, // Up to 10000
{ limit: 20000, rate: 0.0220 }, // Up to 20000
{ limit: 30000, rate: 0.0250 }, // Up to 30000
{ limit: 40000, rate: 0.0300 }, // Up to 40000
{ limit: 50000, rate: 0.0375 }, // Up to 50000
{ limit: 60000, rate: 0.0420 }, // Up to 60000
{ limit: 70000, rate: 0.0475 }, // Up to 70000
{ limit: 80000, rate: 0.0550 }, // Up to 80000
{ limit: 100000, rate: 0.0580 },// Up to 100000
{ limit: Infinity, rate: 0.0610 } // Above 100000
];
var yonkersPersonalExemption = 2000; // Simplified
function calculateTax(income, brackets, exemption) {
var taxableIncome = income – exemption;
if (taxableIncome <= 0) {
return 0;
}
var tax = 0;
var previousLimit = 0;
for (var i = 0; i previousLimit) {
var taxableAmountInBracket = Math.min(taxableIncome, currentLimit) – previousLimit;
tax += taxableAmountInBracket * rate;
} else {
break; // Income doesn't reach this bracket
}
previousLimit = currentLimit;
if (taxableIncome <= currentLimit) {
break;
}
}
return tax;
}
function calculatePaycheck() {
var grossPayInput = parseFloat(document.getElementById("grossPayInput").value);
var payFrequency = document.getElementById("payFrequency").value;
var federalAllowances = parseInt(document.getElementById("federalAllowances").value);
var stateAllowances = parseInt(document.getElementById("stateAllowances").value);
var nycResident = document.getElementById("nycResident").value;
var yonkersResident = document.getElementById("yonkersResident").value;
var resultElement = document.getElementById("result");
var netPayElement = document.getElementById("netPay");
var grossPayDisplayElement = document.getElementById("grossPay");
var detailsElement = document.getElementById("details");
// Clear previous results and styling
netPayElement.textContent = "$0.00";
netPayElement.style.color = "#28a745";
grossPayDisplayElement.textContent = "Gross Pay: $0.00";
detailsElement.innerHTML = "Enter your details above to see a breakdown.";
if (isNaN(grossPayInput) || grossPayInput <= 0) {
detailsElement.innerHTML = "Please enter a valid Gross Pay amount.";
return;
}
if (isNaN(federalAllowances) || federalAllowances < 0) {
detailsElement.innerHTML = "Please enter a valid number of Federal Allowances.";
return;
}
if (isNaN(stateAllowances) || stateAllowances 0 ? federalAllowances : 1)) );
var estimatedAnnualFederalTax = 0;
var previousLimit = 0;
for (var i = 0; i previousLimit) {
var amountInBracket = Math.min(estimatedAnnualFederalTaxableIncome, currentLimit) – previousLimit;
estimatedAnnualFederalTax += amountInBracket * rate;
} else {
break;
}
previousLimit = currentLimit;
if (estimatedAnnualFederalTaxableIncome <= currentLimit) {
break;
}
}
var federalTaxPerPaycheck = estimatedAnnualFederalTax / payPeriodsPerYear;
// — NY State Income Tax —
// Simplified: Apply NY state tax rates after personal exemption.
// Exemption amount is a deduction, but it phases out. Simplified here.
var estimatedAnnualNYTaxableIncome = Math.max(0, annualGrossPay – (nyPersonalExemption * stateAllowances));
var estimatedAnnualNYStateTax = calculateTax(estimatedAnnualNYTaxableIncome, nyStateBrackets, 0); // Already subtracted exemption
var nyStateTaxPerPaycheck = estimatedAnnualNYStateTax / payPeriodsPerYear;
// — NYC Income Tax —
var nycTaxPerPaycheck = 0;
if (nycResident === "yes") {
// Simplified: Apply NYC tax rates after personal exemption.
var estimatedAnnualNYCTaxableIncome = Math.max(0, annualGrossPay – (nycPersonalExemption * stateAllowances)); // Using state allowances for simplicity
var estimatedAnnualNYCTax = calculateTax(estimatedAnnualNYCTaxableIncome, nycBrackets, 0); // Already subtracted exemption
nycTaxPerPaycheck = estimatedAnnualNYCTax / payPeriodsPerYear;
}
// — Yonkers Income Tax —
var yonkersTaxPerPaycheck = 0;
if (yonkersResident === "yes" && nycResident === "no") { // Typically not applied if NYC tax is already applied
// Simplified: Apply Yonkers tax rates after personal exemption.
var estimatedAnnualYonkersTaxableIncome = Math.max(0, annualGrossPay – (yonkersPersonalExemption * stateAllowances)); // Using state allowances for simplicity
var estimatedAnnualYonkersTax = calculateTax(estimatedAnnualYonkersTaxableIncome, yonkersBrackets, 0); // Already subtracted exemption
yonkersTaxPerPaycheck = estimatedAnnualYonkersTax / payPeriodsPerYear;
}
// — Total Deductions and Net Pay —
var totalDeductions = federalTaxPerPaycheck + totalFica + nyStateTaxPerPaycheck + nycTaxPerPaycheck + yonkersTaxPerPaycheck;
var netPay = grossPayInput – totalDeductions;
// Ensure net pay isn't negative
if (netPay < 0) {
netPay = 0;
}
// Display results
grossPayDisplayElement.textContent = "Gross Pay: $" + grossPayInput.toFixed(2);
netPayElement.textContent = "$" + netPay.toFixed(2);
// Basic breakdown
detailsElement.innerHTML = `
Estimated Deductions:
Federal Tax: $${federalTaxPerPaycheck.toFixed(2)}
FICA (Soc. Sec. & Medicare): $${totalFica.toFixed(2)}
NY State Tax: $${nyStateTaxPerPaycheck.toFixed(2)}
${nycResident === "yes" ? 'NYC Tax: $' + nycTaxPerPaycheck.toFixed(2) + " : "}
${yonkersResident === "yes" && nycResident === "no" ? 'Yonkers Tax: $' + yonkersTaxPerPaycheck.toFixed(2) + " : "}
Total Estimated Deductions: $${totalDeductions.toFixed(2)}
`;
}