New York State Paycheck Calculator
Calculate your take-home pay after Federal, NY State, and NYC local taxes.
Weekly
Bi-Weekly (Every 2 weeks)
Semi-Monthly (Twice a month)
Monthly
Single
Married Filing Jointly
Head of Household
Yes (Lives in NYC)
No (Lives Outside NYC)
Estimated Results (Monthly)
Gross Pay
$0.00
Federal Income Tax
-$0.00
FICA (Social Security & Medicare)
-$0.00
NY State Income Tax
-$0.00
NYC Local Tax
-$0.00
Net Take-Home Pay
$0.00
How New York Paychecks Are Calculated
Calculating your take-home pay in New York is more complex than in many other states because of the multi-layered tax system. Depending on where you live and work, you may be subject to three different levels of income tax: Federal, State, and Local (NYC).
1. Federal Income Tax
The IRS uses progressive tax brackets ranging from 10% to 37%. Your taxable income is your gross pay minus your standard deduction ($14,600 for singles in 2024) and any pre-tax contributions like a 401(k).
2. FICA Withholdings
Regardless of where you live, you must pay FICA taxes. This includes 6.2% for Social Security (up to the annual wage base limit) and 1.45% for Medicare. Employers match these contributions, but the amounts shown on your paycheck represent your half.
3. New York State Income Tax
New York has one of the highest state income tax rates in the country, with progressive brackets currently ranging from 4% to 10.9%. The state also provides its own standard deduction, which differs from the federal amount.
4. The New York City (NYC) Resident Tax
If you reside within the five boroughs of New York City, you are subject to an additional local income tax. This is a progressive tax that ranges approximately from 3.078% to 3.876%. This is collected by the state and is mandatory for all NYC residents, even if they work outside the city.
Example Calculation
If you earn $100,000 annually as a single filer living in Manhattan with no pre-tax deductions:
- Federal Tax: ~$14,200
- FICA: $7,650
- NY State Tax: ~$5,400
- NYC Local Tax: ~$3,500
- Estimated Net Pay: ~$69,250 per year (or ~$5,770 per month)