Calculate estimated federal, state, and local taxes deducted from your paycheck.
Weekly (52 per year)
Bi-weekly (26 per year)
Semi-monthly (24 per year)
Monthly (12 per year)
Single
Married Filing Separately
Married Filing Jointly
Head of Household
(General rate. Check NYS Dept. of Taxation for personal rates.)
(Enter 0 if no local tax applies.)
Estimated Net Pay:
$0.00
Federal Tax:$0.00
NY State Tax:$0.00
Local Tax:$0.00
Total Taxes:$0.00
Understanding Your New York Paycheck Taxes
This calculator provides an estimate of the taxes withheld from your paycheck in New York. It considers Federal Income Tax, New York State Income Tax (SIT), and potential local income taxes (like New York City's). Understanding these deductions is crucial for effective budgeting and financial planning.
Key Components of Your Paycheck Deduction:
Gross Pay: Your total earnings before any deductions.
Pay Frequency: How often you receive your paycheck (weekly, bi-weekly, etc.). This impacts the amount withheld per period.
Federal Income Tax: Calculated based on your gross pay, filing status (Single, Married, etc.), number of allowances claimed on Form W-4, and any additional voluntary withholding. The IRS uses tax brackets and withholding tables to determine the amount.
FICA Taxes (Social Security & Medicare): While not explicitly calculated in this simplified NY-specific calculator, these are mandatory federal taxes. Social Security is 6.2% on earnings up to a certain limit, and Medicare is 1.45% on all earnings. They total 7.65%.
New York State Income Tax (SIT): New York has a progressive income tax system, meaning higher earners pay a larger percentage. The rate you enter or a general rate is applied to your taxable income.
Local Income Tax: Some cities and localities within New York impose their own income taxes. The most prominent example is New York City's tax, which varies based on income and filing status.
Net Pay: Your take-home pay after all taxes and other deductions (like health insurance premiums, retirement contributions) are subtracted from your gross pay.
How the Calculator Works (Simplified):
This calculator estimates the primary income taxes. The exact calculation of federal income tax withholding is complex and relies on IRS Publication 15-T, which uses tables and algorithms based on pay frequency, gross pay, filing status, and allowances. For simplicity, this calculator uses a general approach:
Federal Tax Estimation: It approximates federal withholding based on standard deductions and tax brackets for the given filing status and allowances. Actual withholding can vary.
New York State Tax Estimation: It applies the entered State SIT rate to your gross pay (or a portion thereof, depending on specific NY tax laws not fully modeled here).
Local Tax Estimation: It applies the entered local tax rate to your gross pay.
Disclaimer:
This calculator is intended for estimation purposes only. Tax laws are complex and subject to change. The actual amount of taxes withheld from your paycheck may differ due to factors not included in this simplified model, such as pre-tax deductions (401k, health insurance), tax credits, specific state/local tax credits, or variations in withholding calculations by employers. For precise figures, consult your pay stubs, employer's payroll department, or a qualified tax professional.
function calculateTaxes() {
var grossPay = parseFloat(document.getElementById("grossPay").value);
var payFrequency = document.getElementById("payFrequency").value;
var filingStatus = document.getElementById("filingStatus").value;
var allowances = parseInt(document.getElementById("allowances").value);
var additionalWithholding = parseFloat(document.getElementById("additionalWithholding").value);
var nyStateSITRate = parseFloat(document.getElementById("nyStateSIT").value);
var localTaxRate = parseFloat(document.getElementById("localTax").value);
var errorMessageDiv = document.getElementById("errorMessage");
var federalTaxAmountSpan = document.getElementById("federalTaxAmount");
var nyStateTaxAmountSpan = document.getElementById("nyStateTaxAmount");
var localTaxAmountSpan = document.getElementById("localTaxAmount");
var totalTaxAmountSpan = document.getElementById("totalTaxAmount");
var resultValueSpan = document.getElementById("result-value");
errorMessageDiv.style.display = 'none';
errorMessageDiv.textContent = ";
if (isNaN(grossPay) || grossPay < 0) {
errorMessageDiv.textContent = "Please enter a valid Gross Pay amount.";
errorMessageDiv.style.display = 'block';
return;
}
if (isNaN(nyStateSITRate) || nyStateSITRate < 0) {
errorMessageDiv.textContent = "Please enter a valid New York State Withholding Rate.";
errorMessageDiv.style.display = 'block';
return;
}
if (isNaN(localTaxRate) || localTaxRate < 0) {
errorMessageDiv.textContent = "Please enter a valid Local Income Tax Rate.";
errorMessageDiv.style.display = 'block';
return;
}
if (isNaN(allowances) || allowances < 0) {
errorMessageDiv.textContent = "Please enter a valid number of Allowances.";
errorMessageDiv.style.display = 'block';
return;
}
if (isNaN(additionalWithholding) || additionalWithholding < 0) {
errorMessageDiv.textContent = "Please enter a valid Additional Federal Withholding amount.";
errorMessageDiv.style.display = 'block';
return;
}
var federalTaxAmount = 0;
var nyStateTaxAmount = 0;
var localTaxAmount = 0;
var totalTaxAmount = 0;
// — Simplified Federal Tax Calculation —
// This is a very basic approximation. Real calculations use IRS tables.
var annualGrossPay = grossPay;
var numPayPeriods = 52; // Default
if (payFrequency === "biweekly") numPayPeriods = 26;
else if (payFrequency === "semimonthly") numPayPeriods = 24;
else if (payFrequency === "monthly") numPayPeriods = 12;
var annualTaxableIncome = annualGrossPay * numPayPeriods;
var federalWithholdingAmountPerPeriod = 0;
// Basic approximation of standard deduction based on filing status
var standardDeduction = 0;
if (filingStatus === "single" || filingStatus === "married_separately") {
standardDeduction = 13850; // Approx standard deduction for 2023/2024
} else if (filingStatus === "married_jointly") {
standardDeduction = 27700; // Approx standard deduction for 2023/2024
} else if (filingStatus === "head_of_household") {
standardDeduction = 20800; // Approx standard deduction for 2023/2024
}
// Adjust for allowances (simplified: reduce taxable income per allowance)
// A more accurate method involves using IRS Publication 15-T tables.
var allowanceValue = 4700; // Approx value per allowance for 2023/2024
var taxableIncomeAfterAllowances = annualTaxableIncome – standardDeduction – (allowances * allowanceValue);
if (taxableIncomeAfterAllowances < 0) taxableIncomeAfterAllowances = 0;
// Simplified tax brackets (using 2023 single filer brackets as a base for illustration)
// THESE ARE HIGHLY SIMPLIFIED AND FOR DEMONSTRATION ONLY.
var taxRate1 = 0.10; // 10%
var taxRate2 = 0.12; // 12%
var taxRate3 = 0.22; // 22%
// … add more brackets as needed for realism, or use a simplified flat tax assumption
var calculatedFederalTax = 0;
if (filingStatus === "married_jointly" || filingStatus === "head_of_household") {
// Simplified brackets for married jointly/head of household would be different
// For simplicity here, we'll use a rough average percentage if income is high
if (taxableIncomeAfterAllowances <= 22000) calculatedFederalTax = taxableIncomeAfterAllowances * 0.10;
else if (taxableIncomeAfterAllowances <= 89450) calculatedFederalTax = (22000 * 0.10) + (taxableIncomeAfterAllowances – 22000) * 0.12;
else calculatedFederalTax = (22000 * 0.10) + (89450 – 22000) * 0.12 + (taxableIncomeAfterAllowances – 89450) * 0.22;
} else { // Single or Married Filing Separately
if (taxableIncomeAfterAllowances <= 11000) calculatedFederalTax = taxableIncomeAfterAllowances * 0.10;
else if (taxableIncomeAfterAllowances <= 44725) calculatedFederalTax = (11000 * 0.10) + (taxableIncomeAfterAllowances – 11000) * 0.12;
else calculatedFederalTax = (11000 * 0.10) + (44725 – 11000) * 0.12 + (taxableIncomeAfterAllowances – 44725) * 0.22;
}
federalWithholdingAmountPerPeriod = calculatedFederalTax / numPayPeriods;
federalWithholdingAmountPerPeriod += additionalWithholding; // Add additional voluntary withholding
federalTaxAmount = federalWithholdingAmountPerPeriod;
// — New York State Tax Calculation —
// Simplified: Apply rate directly to gross pay. Real calculations involve taxable income after specific NYS deductions.
nyStateTaxAmount = (grossPay * (nyStateSITRate / 100));
// — Local Tax Calculation —
// Simplified: Apply rate directly to gross pay.
localTaxAmount = (grossPay * (localTaxRate / 100));
// — Total Taxes —
totalTaxAmount = federalTaxAmount + nyStateTaxAmount + localTaxAmount;
// — Net Pay —
var netPay = grossPay – totalTaxAmount;
// Ensure amounts are not negative due to rounding or simplified logic
if (federalTaxAmount < 0) federalTaxAmount = 0;
if (nyStateTaxAmount < 0) nyStateTaxAmount = 0;
if (localTaxAmount < 0) localTaxAmount = 0;
if (totalTaxAmount < 0) totalTaxAmount = 0;
if (netPay < 0) netPay = 0;
federalTaxAmountSpan.textContent = "$" + federalTaxAmount.toFixed(2);
nyStateTaxAmountSpan.textContent = "$" + nyStateTaxAmount.toFixed(2);
localTaxAmountSpan.textContent = "$" + localTaxAmount.toFixed(2);
totalTaxAmountSpan.textContent = "$" + totalTaxAmount.toFixed(2);
resultValueSpan.textContent = "$" + netPay.toFixed(2);
}