Navigating your paycheck in New York City can be complex due to multiple layers of taxation. Unlike many other places, NYC residents are subject to federal, New York State, and New York City income taxes, in addition to federal payroll taxes like Social Security and Medicare. This calculator helps you break down these deductions to estimate your actual take-home pay.
Federal Income Tax
This is the largest component of most paychecks. The amount withheld depends on your gross income, filing status (Single, Married Filing Jointly, Head of Household), and any pre-tax deductions you make. The U.S. operates on a progressive tax system, meaning higher earners pay a higher percentage of their income in taxes.
FICA Taxes (Social Security & Medicare)
Social Security: This funds retirement, disability, and survivor benefits. Employees contribute 6.2% of their earnings up to an annual wage base limit (e.g., $168,600 for 2024).
Medicare: This funds health insurance for seniors and the disabled. Employees contribute 1.45% of all earnings, with an additional 0.9% tax on earnings above certain thresholds ($200,000 for single filers, $250,000 for married filing jointly).
New York State Income Tax
New York State also has a progressive income tax system. The rates and brackets vary based on your income and filing status. Like federal taxes, pre-tax deductions reduce your taxable income for state purposes.
New York City Income Tax
As a resident of New York City, you are subject to an additional city income tax. This is also a progressive tax, with rates and brackets specific to NYC, applied after state deductions. This is a significant factor that differentiates NYC paychecks from those in other parts of New York State.
Pre-Tax vs. Post-Tax Deductions
Pre-Tax Deductions: These are amounts taken out of your gross pay before taxes are calculated. Common examples include contributions to a 401(k) or traditional IRA, health insurance premiums, and Flexible Spending Accounts (FSAs). These deductions reduce your taxable income, lowering your overall tax liability.
Post-Tax Deductions: These are taken out of your pay after all taxes have been calculated. Examples include Roth 401(k) contributions, union dues, or certain charitable contributions. While they don't reduce your taxable income, they still impact your net take-home pay.
How the Calculator Works
Our NYC Wage Calculator takes your gross income (annual salary or hourly wage), pay frequency, filing statuses, and any pre-tax or post-tax deductions into account. It then applies the latest federal, New York State, and New York City tax brackets, along with FICA taxes, to provide an estimated breakdown of your annual and per-pay-period take-home pay.
Disclaimer: This calculator provides estimates based on current tax laws and common deductions. It is not financial or tax advice. Individual tax situations can vary significantly due to factors like itemized deductions, tax credits, other income sources, and specific employer benefits. Consult with a qualified financial advisor or tax professional for personalized advice.
.calculator-container {
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
max-width: 700px;
margin: 20px auto;
padding: 25px;
background: #f9f9f9;
border-radius: 10px;
box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
border: 1px solid #e0e0e0;
}
.calculator-container h2 {
text-align: center;
color: #333;
margin-bottom: 25px;
font-size: 2em;
}
.calculator-container h3 {
color: #444;
margin-top: 30px;
margin-bottom: 15px;
font-size: 1.5em;
}
.calculator-container h4 {
color: #555;
margin-top: 20px;
margin-bottom: 10px;
font-size: 1.2em;
}
.calc-input-group {
margin-bottom: 15px;
display: flex;
flex-wrap: wrap;
align-items: center;
gap: 10px;
}
.calc-input-group label {
flex: 1 1 180px; /* Adjust label width */
color: #555;
font-weight: bold;
text-align: right;
padding-right: 10px;
}
.calc-input-group input[type="number"],
.calc-input-group select {
flex: 2 1 250px; /* Adjust input/select width */
padding: 10px;
border: 1px solid #ccc;
border-radius: 5px;
font-size: 1em;
box-sizing: border-box;
}
.calc-input-group input[type="number"]:focus,
.calc-input-group select:focus {
border-color: #007bff;
outline: none;
box-shadow: 0 0 5px rgba(0, 123, 255, 0.3);
}
.input-hint {
flex-basis: 100%;
text-align: right;
font-size: 0.85em;
color: #777;
padding-right: 10px;
margin-top: -8px;
margin-bottom: 5px;
}
button {
display: block;
width: 100%;
padding: 12px 20px;
background-color: #007bff;
color: white;
border: none;
border-radius: 5px;
font-size: 1.1em;
cursor: pointer;
transition: background-color 0.3s ease, transform 0.2s ease;
margin-top: 25px;
}
button:hover {
background-color: #0056b3;
transform: translateY(-2px);
}
button:active {
background-color: #004085;
transform: translateY(0);
}
.calculator-result {
margin-top: 30px;
padding: 20px;
background-color: #e9f7ff;
border: 1px solid #b3e0ff;
border-radius: 8px;
font-size: 1.1em;
color: #333;
}
.calculator-result h3 {
color: #0056b3;
margin-top: 0;
margin-bottom: 15px;
text-align: center;
}
.calculator-result p {
margin-bottom: 8px;
line-height: 1.6;
}
.calculator-result strong {
color: #000;
}
.calculator-result .breakdown-item {
display: flex;
justify-content: space-between;
padding: 5px 0;
border-bottom: 1px dashed #cceeff;
}
.calculator-result .breakdown-item:last-child {
border-bottom: none;
}
.calculator-result .total-line {
font-weight: bold;
font-size: 1.2em;
border-top: 2px solid #007bff;
padding-top: 10px;
margin-top: 10px;
}
.calculator-article {
margin-top: 40px;
padding-top: 20px;
border-top: 1px solid #e0e0e0;
line-height: 1.7;
color: #444;
}
.calculator-article ul {
list-style-type: disc;
margin-left: 20px;
padding-left: 0;
}
.calculator-article li {
margin-bottom: 5px;
}
@media (max-width: 600px) {
.calc-input-group label {
text-align: left;
padding-right: 0;
flex-basis: 100%;
}
.calc-input-group input[type="number"],
.calc-input-group select {
flex-basis: 100%;
}
.input-hint {
text-align: left;
padding-left: 0;
}
}
function toggleHourlyInputs() {
var incomeType = document.getElementById("grossIncomeType").value;
var annualSalaryDiv = document.getElementById("annualSalaryInput");
var hourlyWageDiv = document.getElementById("hourlyWageInputs");
if (incomeType === "hourly") {
annualSalaryDiv.style.display = "none";
hourlyWageDiv.style.display = "flex";
} else {
annualSalaryDiv.style.display = "flex";
hourlyWageDiv.style.display = "none";
}
}
function calculateWage() {
// — Input Retrieval and Validation —
var grossIncomeType = document.getElementById("grossIncomeType").value;
var annualGrossSalary = parseFloat(document.getElementById("annualGrossSalary").value);
var hourlyRate = parseFloat(document.getElementById("hourlyRate").value);
var hoursPerWeek = parseFloat(document.getElementById("hoursPerWeek").value);
var payFrequency = document.getElementById("payFrequency").value;
var federalFilingStatus = document.getElementById("federalFilingStatus").value;
var nyFilingStatus = document.getElementById("nyFilingStatus").value;
var nycResidentStatus = document.getElementById("nycResidentStatus").value;
var preTaxDeductionsAnnual = parseFloat(document.getElementById("preTaxDeductionsAnnual").value);
var postTaxDeductionsAnnual = parseFloat(document.getElementById("postTaxDeductionsAnnual").value);
// Validate inputs
if (grossIncomeType === "annual" && (isNaN(annualGrossSalary) || annualGrossSalary < 0)) {
alert("Please enter a valid Annual Gross Salary.");
return;
}
if (grossIncomeType === "hourly" && (isNaN(hourlyRate) || hourlyRate < 0 || isNaN(hoursPerWeek) || hoursPerWeek 168)) {
alert("Please enter valid Hourly Rate and Hours Per Week.");
return;
}
if (isNaN(preTaxDeductionsAnnual) || preTaxDeductionsAnnual < 0) {
alert("Please enter valid Annual Pre-Tax Deductions.");
return;
}
if (isNaN(postTaxDeductionsAnnual) || postTaxDeductionsAnnual < 0) {
alert("Please enter valid Annual Post-Tax Deductions.");
return;
}
// — Annual Gross Income Calculation —
var annualGross;
if (grossIncomeType === "hourly") {
annualGross = hourlyRate * hoursPerWeek * 52;
} else {
annualGross = annualGrossSalary;
}
// — Pay Periods per Year —
var payPeriodsPerYear;
switch (payFrequency) {
case "weekly": payPeriodsPerYear = 52; break;
case "bi-weekly": payPeriodsPerYear = 26; break;
case "semi-monthly": payPeriodsPerYear = 24; break;
case "monthly": payPeriodsPerYear = 12; break;
default: payPeriodsPerYear = 26; // Default to bi-weekly
}
// — Tax Brackets (2024 Estimates/Actuals) —
// Federal Income Tax Brackets
var federalBracketsSingle = [
{ min: 0, max: 11600, rate: 0.10 },
{ min: 11600, max: 47150, rate: 0.12 },
{ min: 47150, max: 100525, rate: 0.22 },
{ min: 100525, max: 191950, rate: 0.24 },
{ min: 191950, max: 243725, rate: 0.32 },
{ min: 243725, max: 609350, rate: 0.35 },
{ min: 609350, max: Infinity, rate: 0.37 }
];
var federalBracketsMarried = [
{ min: 0, max: 23200, rate: 0.10 },
{ min: 23200, max: 94300, rate: 0.12 },
{ min: 94300, max: 201050, rate: 0.22 },
{ min: 201050, max: 383900, rate: 0.24 },
{ min: 383900, max: 487450, rate: 0.32 },
{ min: 487450, max: 731200, rate: 0.35 },
{ min: 731200, max: Infinity, rate: 0.37 }
];
var federalBracketsHOH = [
{ min: 0, max: 16550, rate: 0.10 },
{ min: 16550, max: 63100, rate: 0.12 },
{ min: 63100, max: 100500, rate: 0.22 },
{ min: 100500, max: 191950, rate: 0.24 },
{ min: 191950, max: 243700, rate: 0.32 },
{ min: 243700, max: 609350, rate: 0.35 },
{ min: 609350, max: Infinity, rate: 0.37 }
];
// NY State Income Tax Brackets (2023, assuming similar for 2024)
var nyStateBracketsSingle = [
{ min: 0, max: 8500, rate: 0.0400 },
{ min: 8500, max: 11900, rate: 0.0450 },
{ min: 11900, max: 13900, rate: 0.0525 },
{ min: 13900, max: 21300, rate: 0.0585 },
{ min: 21300, max: 80650, rate: 0.0625 },
{ min: 80650, max: 215400, rate: 0.0685 },
{ min: 215400, max: 1077550, rate: 0.0965 },
{ min: 1077550, max: 5000000, rate: 0.1030 },
{ min: 5000000, max: Infinity, rate: 0.1090 }
];
var nyStateBracketsMarried = [
{ min: 0, max: 17000, rate: 0.0400 },
{ min: 17000, max: 23900, rate: 0.0450 },
{ min: 23900, max: 27900, rate: 0.0525 },
{ min: 27900, max: 42700, rate: 0.0585 },
{ min: 42700, max: 161550, rate: 0.0625 },
{ min: 161550, max: 323200, rate: 0.0685 },
{ min: 323200, max: 2155350, rate: 0.0965 },
{ min: 2155350, max: 5000000, rate: 0.1030 },
{ min: 5000000, max: Infinity, rate: 0.1090 }
];
var nyStateBracketsHOH = nyStateBracketsSingle; // Simplification for HOH in NY State
// NYC Income Tax Brackets (2023, assuming similar for 2024)
var nycBracketsSingle = [
{ min: 0, max: 12000, rate: 0.03876 },
{ min: 12000, max: 25000, rate: 0.04171 },
{ min: 25000, max: 40000, rate: 0.04227 },
{ min: 40000, max: 60000, rate: 0.04292 },
{ min: 60000, max: 90000, rate: 0.04359 },
{ min: 90000, max: Infinity, rate: 0.04452 }
];
var nycBracketsMarried = [ // NYC brackets for married are generally double single thresholds
{ min: 0, max: 24000, rate: 0.03876 },
{ min: 24000, max: 50000, rate: 0.04171 },
{ min: 50000, max: 80000, rate: 0.04227 },
{ min: 80000, max: 120000, rate: 0.04292 },
{ min: 120000, max: 180000, rate: 0.04359 },
{ min: 180000, max: Infinity, rate: 0.04452 }
];
var nycBracketsHOH = nycBracketsSingle; // Simplification for HOH in NYC
// — Standard Deductions (2024) —
var federalStandardDeduction;
if (federalFilingStatus === "single") {
federalStandardDeduction = 14600;
} else if (federalFilingStatus === "married") {
federalStandardDeduction = 29200;
} else { // HOH
federalStandardDeduction = 21900;
}
var nyStandardDeduction;
if (nyFilingStatus === "single") {
nyStandardDeduction = 8000; // 2023, assuming similar for 2024
} else if (nyFilingStatus === "married") {
nyStandardDeduction = 16050; // 2023, assuming similar for 2024
} else { // HOH
nyStandardDeduction = 8000; // 2023, assuming similar for 2024
}
var nycStandardDeduction = nyStandardDeduction; // NYC uses same standard deduction as NY State
// — Helper function to calculate tax based on brackets —
function calculateTax(taxableIncome, brackets) {
var tax = 0;
for (var i = 0; i bracket.min) {
var amountInBracket = Math.min(taxableIncome, bracket.max) – bracket.min;
tax += amountInBracket * bracket.rate;
} else {
break;
}
}
return tax;
}
// — Pre-tax Deductions —
// Pre-tax deductions reduce the income subject to federal, state, and city income taxes.
var taxableIncomeFederal = Math.max(0, annualGross – preTaxDeductionsAnnual);
var taxableIncomeNY = Math.max(0, annualGross – preTaxDeductionsAnnual);
var taxableIncomeNYC = Math.max(0, annualGross – preTaxDeductionsAnnual);
// — Federal Income Tax —
var federalTaxableIncomeAfterDeduction = Math.max(0, taxableIncomeFederal – federalStandardDeduction);
var currentFederalBrackets;
if (federalFilingStatus === "single") {
currentFederalBrackets = federalBracketsSingle;
} else if (federalFilingStatus === "married") {
currentFederalBrackets = federalBracketsMarried;
} else { // HOH
currentFederalBrackets = federalBracketsHOH;
}
var federalTax = calculateTax(federalTaxableIncomeAfterDeduction, currentFederalBrackets);
// — FICA Taxes —
var socialSecurityWageBase = 168600; // 2024
var socialSecurityTax = Math.min(annualGross, socialSecurityWageBase) * 0.062;
var medicareTax = annualGross * 0.0145;
var additionalMedicareTax = 0;
if (federalFilingStatus === "single" && annualGross > 200000) {
additionalMedicareTax = (annualGross – 200000) * 0.009;
} else if (federalFilingStatus === "married" && annualGross > 250000) {
additionalMedicareTax = (annualGross – 250000) * 0.009;
} else if (federalFilingStatus === "hoh" && annualGross > 200000) { // HOH threshold is same as single
additionalMedicareTax = (annualGross – 200000) * 0.009;
}
var totalFicaTax = socialSecurityTax + medicareTax + additionalMedicareTax;
// — NY State Income Tax —
var nyTaxableIncomeAfterDeduction = Math.max(0, taxableIncomeNY – nyStandardDeduction);
var currentNYBrackets;
if (nyFilingStatus === "single") {
currentNYBrackets = nyStateBracketsSingle;
} else if (nyFilingStatus === "married") {
currentNYBrackets = nyStateBracketsMarried;
} else { // HOH
currentNYBrackets = nyStateBracketsHOH;
}
var nyStateTax = calculateTax(nyTaxableIncomeAfterDeduction, currentNYBrackets);
// — NYC Income Tax —
var nycTax = 0;
if (nycResidentStatus === "yes") {
var nycTaxableIncomeAfterDeduction = Math.max(0, taxableIncomeNYC – nycStandardDeduction);
var currentNYCBrackets;
if (nyFilingStatus === "single") { // NYC filing status usually mirrors NY State
currentNYCBrackets = nycBracketsSingle;
} else if (nyFilingStatus === "married") {
currentNYCBrackets = nycBracketsMarried;
} else { // HOH
currentNYCBrackets = nycBracketsHOH;
}
nycTax = calculateTax(nycTaxableIncomeAfterDeduction, currentNYCBrackets);
}
// — Total Annual Deductions —
var totalAnnualTaxes = federalTax + totalFicaTax + nyStateTax + nycTax;
// Pre-tax deductions are subtracted from gross pay, even though they reduce taxable income.
var totalAnnualDeductions = totalAnnualTaxes + preTaxDeductionsAnnual + postTaxDeductionsAnnual;
// — Annual Net Pay —
var annualNetPay = annualGross – totalAnnualDeductions;
// — Per Pay Period Calculations —
var grossPayPerPeriod = annualGross / payPeriodsPerYear;
var federalTaxPerPeriod = federalTax / payPeriodsPerYear;
var ficaTaxPerPeriod = totalFicaTax / payPeriodsPerYear;
var nyStateTaxPerPeriod = nyStateTax / payPeriodsPerYear;
var nycTaxPerPeriod = nycTax / payPeriodsPerYear;
var preTaxDeductionsPerPeriod = preTaxDeductionsAnnual / payPeriodsPerYear;
var postTaxDeductionsPerPeriod = postTaxDeductionsAnnual / payPeriodsPerYear;
var totalDeductionsPerPeriod = totalAnnualDeductions / payPeriodsPerYear;
var netPayPerPeriod = annualNetPay / payPeriodsPerYear;
// — Display Results —
var resultDiv = document.getElementById("result");
resultDiv.innerHTML = `
Estimated Paycheck Breakdown
Annual Gross Pay: $${annualGross.toFixed(2)}
Gross Pay Per Period: $${grossPayPerPeriod.toFixed(2)}
Annual Federal Income Tax: $${federalTax.toFixed(2)}
Federal Income Tax Per Period: $${federalTaxPerPeriod.toFixed(2)}
Annual FICA Taxes (Social Security & Medicare): $${totalFicaTax.toFixed(2)}
FICA Taxes Per Period: $${ficaTaxPerPeriod.toFixed(2)}
Annual NY State Income Tax: $${nyStateTax.toFixed(2)}
NY State Income Tax Per Period: $${nyStateTaxPerPeriod.toFixed(2)}
Annual NYC Income Tax: $${nycTax.toFixed(2)}
NYC Income Tax Per Period: $${nycTaxPerPeriod.toFixed(2)}
Annual Pre-Tax Deductions: $${preTaxDeductionsAnnual.toFixed(2)}
Pre-Tax Deductions Per Period: $${preTaxDeductionsPerPeriod.toFixed(2)}
Annual Post-Tax Deductions: $${postTaxDeductionsAnnual.toFixed(2)}
Post-Tax Deductions Per Period: $${postTaxDeductionsPerPeriod.toFixed(2)}
Total Annual Deductions: $${totalAnnualDeductions.toFixed(2)}
Total Deductions Per Period: $${totalDeductionsPerPeriod.toFixed(2)}Annual Net Pay: $${annualNetPay.toFixed(2)}Net Pay Per Period: $${netPayPerPeriod.toFixed(2)}
`;
}
// Initialize the calculator on page load
window.onload = function() {
toggleHourlyInputs(); // Ensure correct input visibility
calculateWage(); // Perform initial calculation
};