NYC Salary & Take-Home Pay Calculator
Single
Married Filing Jointly
Weekly
Bi-weekly (Every 2 weeks)
Semi-monthly (Twice a month)
Monthly
Annual Gross Pay:
Federal Income Tax:
FICA (Social Security + Medicare):
New York State Tax:
New York City Local Tax:
Annual Net Take-Home:
Estimated Paycheck:
How the NYC Pay Calculator Works
Living and working in New York City involves one of the most complex tax structures in the United States. Unlike most cities, NYC residents are subject to three distinct layers of income tax: Federal, State, and a specific local City tax.
1. Federal Income Tax
The federal government uses a progressive tax system. This means that as your income reaches higher thresholds, that specific portion of your income is taxed at a higher rate. We apply the latest IRS tax brackets for either Single or Married Filing Jointly statuses.
2. FICA Withholdings
FICA stands for the Federal Insurance Contributions Act. It consists of two parts:
- Social Security: 6.2% of your gross pay (up to the annual wage base limit).
- Medicare: 1.45% of your gross pay (with an additional 0.9% for high earners).
3. New York State (NYS) Income Tax
New York State also utilizes a progressive tax system. Rates generally range from 4% to 10.9% depending on your bracket. This calculator estimates your NYS liability based on standard deduction assumptions.
4. New York City (NYC) Resident Tax
This is the "hidden" cost of living in the five boroughs. If you are a resident of Manhattan, Brooklyn, Queens, The Bronx, or Staten Island, you must pay an additional local income tax. This rate typically ranges between 3.078% and 3.876%.
Example: Earning $100,000 in NYC
If you are a single filer earning a gross salary of $100,000 in NYC, your breakdown might look like this:
| Tax Category | Estimated Amount |
|---|---|
| Federal Tax | ~$14,260 |
| FICA | ~$7,650 |
| NY State Tax | ~$5,300 |
| NYC Local Tax | ~$3,500 |
| Take-Home Pay | ~$69,290 |
In this scenario, your effective tax rate is roughly 30.7%, meaning you take home about $5,774 per month or $2,665 every two weeks.