New York Paycheck Calculator
In New York for 2026, a $75,000 salary takes home about $57,784 per year after federal income tax and FICA (Social Security and Medicare), and New York state income tax and NY disability insurance and paid family leave contributions.
These are example numbers. Type yours to see your own.
Based on a $75,000 salary in New York, single filer, paid every 2 weeks
$2,222.47
take-home per 2 weeks · $57,784/yr
Your federal tax on New York pay, worked out one bracket at a time
| Bracket | Income taxed here | Tax |
|---|---|---|
| 10% ($0 – $12,400) | $12,400 | $1,240 |
| 12% ($12,400 – $50,400) | $38,000 | $4,560 |
| 22% ($50,400 – $105,700) | $8,500 | $1,870 |
Taxable income $58,900 after the $16,100 standard deduction. Your federal marginal rate is 22%, the federal tax on your next dollar earned.
Compare your take-home pay with New Jersey, Pennsylvania or Connecticut
Tips, overtime, bonuses, turning 65: what New York workers should check
Tick the boxes that describe your pay. The New York pointers then show only those.
Tips: federally deductible, and deductible on your New York return too. Work out the tip deduction
Overtime: federally deductible, but New York still taxes overtime premium pay in full. Work out the overtime deduction
Bonuses: New York withholds a flat 11.7% on supplemental pay, separately from your regular wages. Estimate the tax on a bonus in New York
Turning 65: the $6,000 federal senior deduction comes off your federal return; New York's nine brackets still apply to the same wages. Check the senior deduction
Use this free New York (NY) paycheck, payroll and income tax calculator to estimate your 2026 take-home pay after federal income tax, Social Security, Medicare, and New York's graduated state income tax (nine brackets, 3.9% to 10.9%).
Adjust the calculator inputs to see the breakdown for your own New York paycheck.
New York's nine-bracket ladder (3.9%–10.9%): what comes out of each 2026 check
Your New York state income tax for 2026 is figured on a graduated bracket schedule, layered on after the state deduction. This calculator applies that on top of federal withholding and Social Security / Medicare to estimate your New York take-home pay.
New York uses a graduated income tax with 9 brackets for 2026, with marginal rates ranging from 3.9% to a top rate of 10.9% (which applies to single-filer taxable income above $25,000,000). For 2026, New York's state standard deduction is $8,000 for single filers and $16,050 for married couples filing jointly. As a worked example, a single filer earning $60,000 pays about $2,643 in New York income tax (roughly 4.4% of gross) before federal tax and FICA.
What this estimate doesn't include: Local income taxes are not included. New York City and Yonkers local income taxes are NOT included. NY's tax-benefit recapture (which phases out lower-bracket benefit for high earners) is not modeled. 2026 rates are statutory (FY2026 budget); thresholds pending the official 2026 IT-201-I. City, county or school-district income taxes where they apply, court-ordered deductions, union dues, and anything else your specific employer withholds are not in this figure; your pay stub is the authority on those.
Estimates only, not tax advice. The section "What this estimate doesn't include" above lists what's left out; see also our terms and the corrections log.
New York's nine 2026 brackets, from 3.9% to 10.9% (single filers)
New York's graduated single-filer schedule for 2026, applied after the state deduction:
| Taxable income | Marginal rate |
|---|---|
| $0 – $8,500 | 3.9% |
| $8,500 – $11,700 | 4.4% |
| $11,700 – $13,900 | 5.15% |
| $13,900 – $80,650 | 5.4% |
| $80,650 – $215,400 | 5.9% |
| $215,400 – $1,077,550 | 6.85% |
| $1,077,550 – $5,000,000 | 9.65% |
| $5,000,000 – $25,000,000 | 10.3% |
| $25,000,000 and above | 10.9% |
NY Paid Family Leave and NY State Disability Insurance: what else New York takes from your check
Beyond income tax, New York withholds these state payroll programs directly from employee wages:
| Program | Employee rate (2026) | Wage base / cap |
|---|---|---|
| NY Paid Family Leave (PFL) — employee-funded | 0.432% of gross wages per pay period | Capped at $411.91/yr (based on 2026 NYSAWW of $1,833.63) |
| NY State Disability Insurance (SDI/DBL) — employee share | 0.5% of wages | Capped at $0.60/week ($31.20/yr); employer pays the balance |
Included in your take-home: the NY PFL, NY DBL contributions are subtracted from the take-home estimate at the top of this page. These are withheld after tax and do not lower your taxable income.
Two New York payroll quirks worth knowing
- New York is one of the few states where employees pay BOTH a Paid Family Leave deduction (0.432%, up to $411.91/yr in 2026) and a State Disability deduction (0.5%, capped at just $0.60/week) — two separate line items on the paycheck.
- Where you LIVE inside New York changes withholding sharply: NYC residents owe an extra city income tax (~3.08%–3.88%) and Yonkers residents owe a ~1.96% surcharge — neither applies if you live elsewhere in the state, even if you commute in.
Beyond the paycheck: New York's 4% sales tax and property tax
| Sales tax | 4% (≈8.54% with local) |
| Property tax | ≈1.3% — One of the higher effective property-tax rates nationally (~9th-highest by Tax Foundation, ~1.26–1.30%). Wide variation: ~0.56% in Brooklyn/Kings Co. to >2% in some upstate counties. |
New York's own $17.00 minimum wage — above the federal floor (2026)
$17.00/hour (≈$35,360/year full-time). $17.00 in NYC, Long Island (Nassau/Suffolk) and Westchester; $16.00 in the rest of NY State. Effective Jan 1, 2026; indexed to inflation starting 2027.
Is overtime and tips tax-free in New York? Federally yes; New York's state treatment is mixed
Federal law lets you deduct qualified tips and overtime premium pay from 2025 through 2028 (OBBBA caps & rules), though Social Security and Medicare are still withheld.
New York state income tax: New York adopted its own 'no tax on tips' break in the FY2027 budget (signed May 28, 2026): up to $25,000 of tipped income is excluded from New York State income tax for tax years beginning in and after 2026, mirroring the federal rule. Overtime was NOT included — the federal overtime deduction reduces your federal tax only, and 2025 tips got no state relief. (source: budget.ny.gov)
- Overtime: 2025 — not deductible on your New York return (still state-taxed); 2026–2028 — not deductible on your New York return (still state-taxed).
- Tips: 2025 — not deductible on your New York return (still state-taxed); 2026–2028 — deductible on your New York return too.
Related: overtime by state · tips by state · tips calculator · overtime calculator.
Your paycheck vs the $85,820 New York median
| Median household income (2024) | $85,820 |
| Take-home (single filer) | ≈$64,765 |
Local income taxes in New York
New York City levies a resident income tax (2026 withholding brackets ~3.078%–3.876%) on NYC residents only. Yonkers adds a resident surcharge — 2026 resident withholding rate 1.95975% — plus a 0.50% nonresident earnings tax on income earned in Yonkers. No other NY localities levy a wage income tax.
New York paycheck FAQ
Do cities or counties in New York take a local income tax out of paychecks?
New York City levies a resident income tax (2026 withholding brackets ~3.078%–3.876%) on NYC residents only. Yonkers adds a resident surcharge — 2026 resident withholding rate 1.95975% — plus a 0.50% nonresident earnings tax on income earned in Yonkers. No other NY localities levy a wage income tax.
Does New York have a state income tax in 2026?
Yes — nine graduated brackets from 3.9% to 10.9% in 2026, on top of federal tax and FICA.
Compare a paycheck next door: New Jersey, Pennsylvania & Connecticut
| State | State income tax (2026) | Take-home on $75,000 (single) |
|---|---|---|
| New York | nine brackets, 3.9%–10.9% | $57,784 |
| New Jersey | seven brackets, 1.4%–10.75% | $58,436 |
| Pennsylvania | flat 3.07% | $59,238 |
| Connecticut | seven brackets, 2%–6.99% | $57,843 |
| Massachusetts | two brackets, 5%–9% | $57,718 |
Those are the states next door. To see where New York lands against all of them at once, our take-home pay by state study runs an identical salary at two levels, $75,000 and $100,000, through the 2026 rules of every state and DC, except Arizona, California, District of Columbia, Idaho, Maryland and Vermont, still on their 2025 tables, ranked from the most take-home pay to the least.
All state paycheck calculators →
Data compiled and maintained by Edmond Daher · Updated 2026-07-31