Navigating payroll taxes in New York is significantly more complex than in most other states. Because New York City residents must pay a local income tax in addition to state and federal taxes, your "take-home pay" can vary drastically depending on which borough you call home. This NY Pay Calculator is designed to provide a realistic estimate of your net income for 2024.
Federal Deductions (FICA)
Every employee in New York sees FICA deductions. This includes:
Social Security: 6.2% of your gross pay up to the annual wage base limit ($168,600 for 2024).
Medicare: 1.45% of all gross pay (plus an additional 0.9% for high earners over $200,000).
New York State Income Tax
NY State utilizes a progressive tax system. For 2024, the tax brackets range from 4% up to 10.9% for the highest earners. NY also provides a standard deduction ($8,000 for single filers and $16,050 for married filing jointly), which reduces your taxable income before brackets are applied.
The NYC Factor
If you live in Manhattan, Brooklyn, Queens, The Bronx, or Staten Island, you are subject to the NYC Resident Tax. This is one of the few local income taxes in the country that functions like a state tax, with its own progressive brackets ranging roughly from 3.078% to 3.876%.
Calculation Example: $85,000 Single Filer in NYC
If you earn $85,000 annually and live in New York City:
Gross Bi-weekly: ~$3,269
Federal Tax: ~$410
FICA: ~$250
NY State Tax: ~$185
NYC Local Tax: ~$105
Estimated Take-Home: ~$2,319 per paycheck
Why Your Actual Paycheck Might Differ
While this calculator provides a highly accurate estimate based on standard tax laws, your actual check may differ due to:
401(k) or 403(b) Contributions: These are usually pre-tax and reduce your taxable income.
Health Insurance Premiums: Employer-sponsored plans often deduct premiums before taxes are calculated.
Commuter Benefits: NY workers often utilize pre-tax transit passes.
NY Paid Family Leave (PFL): Small mandatory deductions for state disability and family leave programs.
function calculateNYPay() {
var annualSalary = parseFloat(document.getElementById('annualSalary').value);
var frequency = parseFloat(document.getElementById('payFrequency').value);
var filingStatus = document.getElementById('filingStatus').value;
var isNYC = document.getElementById('nycResident').value === 'yes';
if (isNaN(annualSalary) || annualSalary <= 0) {
alert("Please enter a valid salary amount.");
return;
}
// 1. Federal Tax Calculation (Simplified 2024 Estimates)
var fedStandardDeduction = (filingStatus === 'married') ? 29200 : 14600;
var taxableFed = Math.max(0, annualSalary – fedStandardDeduction);
var fedTax = 0;
if (filingStatus === 'single' || filingStatus === 'head') {
if (taxableFed <= 11600) fedTax = taxableFed * 0.10;
else if (taxableFed <= 47150) fedTax = 1160 + (taxableFed – 11600) * 0.12;
else if (taxableFed <= 100525) fedTax = 5426 + (taxableFed – 47150) * 0.22;
else if (taxableFed <= 191950) fedTax = 17168 + (taxableFed – 100525) * 0.24;
else fedTax = 39110 + (taxableFed – 191950) * 0.32;
} else {
if (taxableFed <= 23200) fedTax = taxableFed * 0.10;
else if (taxableFed <= 94300) fedTax = 2320 + (taxableFed – 23200) * 0.12;
else if (taxableFed <= 201050) fedTax = 10852 + (taxableFed – 94300) * 0.22;
else fedTax = 34337 + (taxableFed – 201050) * 0.24;
}
// 2. NY State Tax Calculation (2024 Simplified)
var nyStandardDeduction = (filingStatus === 'married') ? 16050 : 8000;
var taxableNY = Math.max(0, annualSalary – nyStandardDeduction);
var nyTax = 0;
if (taxableNY <= 8500) nyTax = taxableNY * 0.04;
else if (taxableNY <= 11700) nyTax = 340 + (taxableNY – 8500) * 0.045;
else if (taxableNY <= 13900) nyTax = 484 + (taxableNY – 11700) * 0.0525;
else if (taxableNY <= 21400) nyTax = 600 + (taxableNY – 13900) * 0.0585;
else if (taxableNY <= 80650) nyTax = 1038 + (taxableNY – 21400) * 0.0625;
else if (taxableNY <= 215400) nyTax = 4742 + (taxableNY – 80650) * 0.0685;
else nyTax = 13977 + (taxableNY – 215400) * 0.0965;
// 3. NYC Local Tax Calculation
var nycTax = 0;
if (isNYC) {
var taxableNYC = taxableNY; // NYC generally follows NY State taxable income
if (taxableNYC <= 12000) nycTax = taxableNYC * 0.03078;
else if (taxableNYC <= 25000) nycTax = 369 + (taxableNYC – 12000) * 0.03534;
else if (taxableNYC <= 50000) nycTax = 829 + (taxableNYC – 25000) * 0.03591;
else nycTax = 1727 + (taxableNYC – 50000) * 0.03876;
}
// 4. FICA (Social Security & Medicare)
var ssTax = Math.min(annualSalary, 168600) * 0.062;
var medTax = annualSalary * 0.0145;
var ficaTax = ssTax + medTax;
// 5. Total and Period Breakdown
var totalAnnualTax = fedTax + nyTax + nycTax + ficaTax;
var annualNet = annualSalary – totalAnnualTax;
var periodGross = annualSalary / frequency;
var periodFed = fedTax / frequency;
var periodNY = nyTax / frequency;
var periodNYC = nycTax / frequency;
var periodFICA = ficaTax / frequency;
var periodNet = annualNet / frequency;
// Display results
document.getElementById('resGross').innerText = "$" + periodGross.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resFedTax').innerText = "-$" + periodFed.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resNYTax').innerText = "-$" + periodNY.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resNYCTax').innerText = "-$" + periodNYC.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resFICA').innerText = "-$" + periodFICA.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resNet').innerText = "$" + periodNet.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('nycRow').style.display = isNYC ? 'flex' : 'none';
document.getElementById('resultsArea').style.display = 'block';
// Smooth scroll to results
document.getElementById('resultsArea').scrollIntoView({ behavior: 'smooth', block: 'nearest' });
}