New York Paycheck Calculator: Estimate Your Take-Home Pay
Understanding your take-home pay in New York can be complex, given the layers of federal, state, and local taxes, along with various deductions. Our New York Paycheck Calculator helps you estimate your net pay per pay period, providing a clearer picture of your financial situation.
How New York Paycheck Deductions Work
When you receive your paycheck in New York, several deductions are typically made from your gross earnings. These include:
Federal Income Tax: This is a progressive tax levied by the U.S. government. The amount withheld depends on your gross income, filing status, and the number of dependents you claim.
Social Security Tax (FICA): A flat percentage (6.2%) of your gross wages, up to an annual limit. This funds retirement, disability, and survivor benefits.
Medicare Tax (FICA): A flat percentage (1.45%) of all your gross wages, with no income limit. An additional 0.9% Medicare tax applies to higher earners.
New York State Income Tax: New York State also imposes a progressive income tax. The amount withheld depends on your gross income, filing status, and dependents.
New York City (NYC) Local Income Tax: If you reside in New York City, you'll be subject to NYC's progressive local income tax.
Yonkers Local Income Tax: Residents of Yonkers are subject to a local income tax, calculated as a percentage of their net New York State tax.
Pre-Tax Deductions: These are deductions taken from your gross pay before taxes are calculated, reducing your taxable income. Common examples include contributions to a 401(k) or health insurance premiums.
Post-Tax Deductions: These deductions are taken after all taxes have been calculated. Examples include Roth 401(k) contributions, union dues, or certain charitable contributions.
Using the Calculator
To get an accurate estimate, simply enter your annual gross salary, select your pay frequency, filing statuses, and any applicable deductions. The calculator will then break down your estimated taxes and deductions, showing your net pay per period and annually.
New York Paycheck Estimator
Weekly
Bi-weekly
Semi-monthly
Monthly
Federal Tax Information
Single
Married Filing Jointly
Head of Household
New York State Tax Information
Single
Married Filing Jointly
Head of Household
Local Tax Information
No
Yes
No
Yes
Deductions
Estimated Paycheck Breakdown
Enter your details and click "Calculate Pay" to see your estimated take-home pay.
Important Considerations
This calculator provides an estimate and should not be considered financial or tax advice. Actual withholdings may vary based on specific tax situations, additional deductions, credits, and changes in tax laws. Always consult with a qualified tax professional for personalized advice.
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function calculatePay() {
// Input values
var grossAnnualSalary = parseFloat(document.getElementById("grossAnnualSalary").value);
var payFrequencyValue = parseFloat(document.getElementById("payFrequency").value);
var federalFilingStatus = document.getElementById("federalFilingStatus").value;
var federalDependents = parseInt(document.getElementById("federalDependents").value);
var nyFilingStatus = document.getElementById("nyFilingStatus").value;
var nyDependents = parseInt(document.getElementById("nyDependents").value);
var nycResident = document.getElementById("nycResident").value;
var yonkersResident = document.getElementById("yonkersResident").value;
var preTaxDeductionsAnnual = parseFloat(document.getElementById("preTaxDeductions").value);
var postTaxDeductionsAnnual = parseFloat(document.getElementById("postTaxDeductions").value);
// Validate inputs
if (isNaN(grossAnnualSalary) || grossAnnualSalary < 0 ||
isNaN(federalDependents) || federalDependents < 0 ||
isNaN(nyDependents) || nyDependents < 0 ||
isNaN(preTaxDeductionsAnnual) || preTaxDeductionsAnnual < 0 ||
isNaN(postTaxDeductionsAnnual) || postTaxDeductionsAnnual < 0) {
document.getElementById("result").innerHTML = "Please enter valid positive numbers for all input fields.";
return;
}
// Constants for 2024 (simplified for calculator)
var SS_RATE = 0.062;
var SS_LIMIT = 168600;
var MED_RATE = 0.0145;
var ADD_MED_RATE = 0.009;
// Federal Standard Deductions 2024
var federalStandardDeduction = {
"single": 14600,
"married": 29200,
"hoh": 21900
};
// Federal Tax Brackets 2024 (Taxable Income)
var federalTaxBrackets = {
"single": [
{ rate: 0.10, limit: 11600 },
{ rate: 0.12, limit: 47150 },
{ rate: 0.22, limit: 100525 },
{ rate: 0.24, limit: 191950 },
{ rate: 0.32, limit: 243725 },
{ rate: 0.35, limit: 609350 },
{ rate: 0.37, limit: Infinity }
],
"married": [
{ rate: 0.10, limit: 23200 },
{ rate: 0.12, limit: 94300 },
{ rate: 0.22, limit: 201050 },
{ rate: 0.24, limit: 383900 },
{ rate: 0.32, limit: 487450 },
{ rate: 0.35, limit: 731200 },
{ rate: 0.37, limit: Infinity }
],
"hoh": [
{ rate: 0.10, limit: 16550 },
{ rate: 0.12, limit: 63100 },
{ rate: 0.22, limit: 100500 },
{ rate: 0.24, limit: 191950 },
{ rate: 0.32, limit: 243700 },
{ rate: 0.35, limit: 609350 },
{ rate: 0.37, limit: Infinity }
]
};
var childTaxCredit = 2000; // Per qualifying child
// NY State Standard Deductions 2024
var nyStandardDeduction = {
"single": 8500,
"married": 17000,
"hoh": 12750
};
var nyDependentExemption = 1000; // Per dependent
// NY State Tax Brackets 2024 (Taxable Income – simplified for calculator)
var nyTaxBrackets = {
"single": [
{ rate: 0.04, limit: 8500 },
{ rate: 0.045, limit: 11900 },
{ rate: 0.0525, limit: 13900 },
{ rate: 0.0585, limit: 21300 },
{ rate: 0.0625, limit: 80650 },
{ rate: 0.0685, limit: 215400 },
{ rate: 0.0965, limit: 1077550 },
{ rate: 0.103, limit: 5000000 },
{ rate: 0.109, limit: Infinity }
],
"married": [ // Using MFJ brackets, simplified
{ rate: 0.04, limit: 17000 },
{ rate: 0.045, limit: 23900 },
{ rate: 0.0525, limit: 27900 },
{ rate: 0.0585, limit: 42700 },
{ rate: 0.0625, limit: 161550 },
{ rate: 0.0685, limit: 323200 },
{ rate: 0.0965, limit: 2155350 },
{ rate: 0.103, limit: 5000000 },
{ rate: 0.109, limit: Infinity }
],
"hoh": [ // Using HoH brackets, simplified
{ rate: 0.04, limit: 12750 },
{ rate: 0.045, limit: 17850 },
{ rate: 0.0525, limit: 20850 },
{ rate: 0.0585, limit: 31950 },
{ rate: 0.0625, limit: 120975 },
{ rate: 0.0685, limit: 323100 },
{ rate: 0.0965, limit: 1616300 },
{ rate: 0.103, limit: 5000000 },
{ rate: 0.109, limit: Infinity }
]
};
// NYC Local Tax Brackets 2024 (Taxable Income – simplified for calculator)
var nycTaxBrackets = {
"single": [
{ rate: 0.0318, limit: 12000 },
{ rate: 0.03762, limit: 25000 },
{ rate: 0.03819, limit: 50000 },
{ rate: 0.03876, limit: 100000 },
{ rate: 0.03923, limit: 500000 },
{ rate: 0.0398, limit: Infinity }
],
"married": [ // Using MFJ brackets, simplified
{ rate: 0.0318, limit: 21600 },
{ rate: 0.03762, limit: 45000 },
{ rate: 0.03819, limit: 90000 },
{ rate: 0.03876, limit: 200000 },
{ rate: 0.03923, limit: 600000 },
{ rate: 0.0398, limit: Infinity }
],
"hoh": [ // Using HoH brackets, simplified
{ rate: 0.0318, limit: 18000 },
{ rate: 0.03762, limit: 37500 },
{ rate: 0.03819, limit: 75000 },
{ rate: 0.03876, limit: 150000 },
{ rate: 0.03923, limit: 550000 },
{ rate: 0.0398, limit: Infinity }
]
};
var yonkersTaxRate = 0.1675; // 16.75% of net NY State tax
// Helper function to calculate progressive tax
function calculateProgressiveTax(taxableIncome, brackets) {
var tax = 0;
var remainingIncome = taxableIncome;
var prevLimit = 0;
for (var i = 0; i 0) {
tax += incomeInBracket * bracket.rate;
remainingIncome -= incomeInBracket;
}
prevLimit = bracket.limit;
if (remainingIncome 200000) {
medicareTaxAnnual += (grossAnnualSalary – 200000) * ADD_MED_RATE;
} else if (federalFilingStatus === "married" && grossAnnualSalary > 250000) {
medicareTaxAnnual += (grossAnnualSalary – 250000) * ADD_MED_RATE;
} else if (federalFilingStatus === "hoh" && grossAnnualSalary > 200000) { // HoH threshold is same as single
medicareTaxAnnual += (grossAnnualSalary – 200000) * ADD_MED_RATE;
}
// Federal Income Tax (Annual)
var federalAdjustedGrossIncome = taxableIncomeFederal;
var federalTaxableIncome = Math.max(0, federalAdjustedGrossIncome – federalStandardDeduction[federalFilingStatus]);
var federalIncomeTaxAnnual = calculateProgressiveTax(federalTaxableIncome, federalTaxBrackets[federalFilingStatus]);
federalIncomeTaxAnnual = Math.max(0, federalIncomeTaxAnnual – (federalDependents * childTaxCredit)); // Apply child tax credit
// NY State Income Tax (Annual)
var nyAdjustedGrossIncome = taxableIncomeNY;
var nyTaxableIncome = Math.max(0, nyAdjustedGrossIncome – nyStandardDeduction[nyFilingStatus] – (nyDependents * nyDependentExemption));
var nyStateIncomeTaxAnnual = calculateProgressiveTax(nyTaxableIncome, nyTaxBrackets[nyFilingStatus]);
// NYC Local Income Tax (Annual)
var nycLocalIncomeTaxAnnual = 0;
if (nycResident === "yes") {
// NYC tax is based on NY taxable income, but with its own brackets.
// For simplicity, we'll use the NY taxable income as the base for NYC tax calculation,
// but apply NYC specific brackets.
var nycTaxableIncomeBase = Math.max(0, nyAdjustedGrossIncome – nyStandardDeduction[nyFilingStatus]); // Using NY standard deduction as a proxy for NYC AGI
nycLocalIncomeTaxAnnual = calculateProgressiveTax(nycTaxableIncomeBase, nycTaxBrackets[nyFilingStatus]);
}
// Yonkers Local Income Tax (Annual)
var yonkersLocalIncomeTaxAnnual = 0;
if (yonkersResident === "yes") {
yonkersLocalIncomeTaxAnnual = nyStateIncomeTaxAnnual * yonkersTaxRate;
}
// Convert annual taxes to per period
var socialSecurityTaxPerPeriod = socialSecurityTaxAnnual / payFrequencyValue;
var medicareTaxPerPeriod = medicareTaxAnnual / payFrequencyValue;
var federalIncomeTaxPerPeriod = federalIncomeTaxAnnual / payFrequencyValue;
var nyStateIncomeTaxPerPeriod = nyStateIncomeTaxAnnual / payFrequencyValue;
var nycLocalIncomeTaxPerPeriod = nycLocalIncomeTaxAnnual / payFrequencyValue;
var yonkersLocalIncomeTaxPerPeriod = yonkersLocalIncomeTaxAnnual / payFrequencyValue;
var totalTaxesPerPeriod = socialSecurityTaxPerPeriod + medicareTaxPerPeriod + federalIncomeTaxPerPeriod +
nyStateIncomeTaxPerPeriod + nycLocalIncomeTaxPerPeriod + yonkersLocalIncomeTaxPerPeriod;
var totalDeductionsPerPeriod = preTaxDeductionsPerPeriod + totalTaxesPerPeriod + postTaxDeductionsPerPeriod;
var netPayPerPeriod = grossPayPerPeriod – totalDeductionsPerPeriod;
var annualNetPay = netPayPerPeriod * payFrequencyValue;
// Display results
var resultHtml = "
";
resultHtml += "
Category
Per Pay Period
Annually
";
resultHtml += "
Gross Pay
$" + grossPayPerPeriod.toFixed(2) + "
$" + grossAnnualSalary.toFixed(2) + "
";
resultHtml += "
Pre-Tax Deductions
";
resultHtml += "
Pre-Tax Deductions
$" + preTaxDeductionsPerPeriod.toFixed(2) + "
$" + preTaxDeductionsAnnual.toFixed(2) + "
";
resultHtml += "
Taxes Withheld
";
resultHtml += "
Federal Income Tax
$" + federalIncomeTaxPerPeriod.toFixed(2) + "
$" + federalIncomeTaxAnnual.toFixed(2) + "
";
resultHtml += "
Social Security Tax
$" + socialSecurityTaxPerPeriod.toFixed(2) + "
$" + socialSecurityTaxAnnual.toFixed(2) + "
";
resultHtml += "
Medicare Tax
$" + medicareTaxPerPeriod.toFixed(2) + "
$" + medicareTaxAnnual.toFixed(2) + "
";
resultHtml += "
NY State Income Tax
$" + nyStateIncomeTaxPerPeriod.toFixed(2) + "
$" + nyStateIncomeTaxAnnual.toFixed(2) + "
";
if (nycResident === "yes") {
resultHtml += "
NYC Local Income Tax
$" + nycLocalIncomeTaxPerPeriod.toFixed(2) + "
$" + nycLocalIncomeTaxAnnual.toFixed(2) + "
";
}
if (yonkersResident === "yes") {
resultHtml += "