New York Paycheck Calculator 2026
New York withholding comes in up to three layers: state tax, New York City or Yonkers tax for residents, and two small premiums for Paid Family Leave (0.432%, at most $411.91 in 2026) and disability insurance (up to $0.60 a week). Bonuses can be withheld at 11.70% for the state.
Last updated: October 2026
Pay and filing
Annual gross: $65,000
Used to stop Social Security at the $184,500 wage base and to start the extra 0.9% Medicare above $200,000 on this paycheck.
Form W-4
Step 3: $2,200 per child and $500 per other dependent, a year.
For example education or child care credits you expect to claim.
Interest, dividends or other income with no withholding.
Deductions beyond the standard deduction, including deductible IRA contributions.
Retirement and benefits
$3,900 a year, capped at the $24,500 employee limit for 2026.
Traditional contributions lower federal and most state income tax now, but not Social Security or Medicare.
Through payroll, an HSA avoids income tax and FICA. California and New Jersey still tax it.
2026 limit $3,400.
2026 limit $7,500 per household ($3,750 married filing separately).
Paycheck breakdown (biweekly)
Annual summary
New York paycheck rules for 2026
| State income tax, 2026 | 9 brackets from 3.9% to 10.9%; top rate from $25,000,000 of taxable income (single) |
|---|---|
| Deductions before tax | standard deduction $8,000 single, $16,050 joint |
| Withholding certificate | Form IT-2104 |
| Bonus (supplemental) withholding | New York allows supplemental wages to be withheld at a flat 11.70%, plus 4.25% for New York City residents and 1.95975% for Yonkers residents. |
| Mandatory payroll premiums | NY Paid Family Leave (employee): 0.432% up to $95,349; NY Disability Insurance (employee): 0.5% up to $6,240 |
| Local income taxes | New York City residents pay a city income tax of 3.078% to 3.876% on top of the state tax, and Yonkers residents pay a surcharge of 16.75% of their state tax. Nonresidents who work in Yonkers pay 0.5% of wages. The paycheck calculator lets you add either. |
| Reciprocity agreements | None |
| Sales tax (for context) | 4.00% state, 8.54% average combined with local (rank 10 of 51) |
Worked example: $60,000 in New York
Single filer, paid every two weeks (26 paychecks), standard W-4, no 401(k) or other benefits.
| Gross pay | $2,307.69 |
| Federal income tax | -$193.08 |
| Social Security (6.2%) | -$143.08 |
| Medicare (1.45%) | -$33.46 |
| New York income tax | -$101.65 |
| NY Paid Family Leave (employee) | -$9.97 |
| NY Disability Insurance (employee) | -$11.54 |
| Take-home pay | $1,814.92 |
New York take-home pay at different salaries
Single filer, paid every two weeks, standard W-4, no benefits, no local tax.
| Salary | Per paycheck | Per year | To New York |
|---|---|---|---|
| $40,000 | $1,245.55 | $32,553 | $1,767 |
| $60,000 | $1,814.92 | $47,457 | $2,933 |
| $100,000 | $2,822.63 | $73,877 | $5,303 |
| $150,000 | $4,022.43 | $105,538 | $8,253 |
Living and working in New York
New York's state sales tax is 4.00%; with local add-ons the average combined rate is 8.54%, ranked 10 of 51 as of July 2026.
New York applies a "tax benefit recapture" above roughly $107,650 that claws back the value of the lower brackets, producing marginal rates well above the headline bracket rate in that band.
In retirement: New York does not tax Social Security or New York government pensions, and exempts up to $20,000 per person of other retirement income from age 59½.
New York paycheck questions
How much is take-home pay on $60,000 in New York?
A single filer paid $60,000 a year every two weeks, with no pre-tax benefits, takes home about $1,814.92 a paycheck in New York ($47,457 a year). Each $2,307.69 paycheck loses $193.08 to federal income tax, $176.54 to Social Security and Medicare, $101.65 to New York income tax and $21.51 to state payroll premiums. That is $2,933 a year less than the same salary in a state with no income tax or payroll premiums.
How much New York income tax comes out of each paycheck?
The FY2026 budget cut the five lowest rates by 0.1 point for 2026 (to 3.9%, 4.4%, 5.15%, 5.4% and 5.9%). Rates run up to 10.9%. Above $107,650 of income New York withdraws the benefit of the lower brackets (tax benefit recapture), which this estimate does not model. New York City and Yonkers add local tax. On a $60,000 salary that works out to about $101.65 every two weeks, an effective 4.41% of gross pay.
What else does New York take out of a paycheck?
NY Paid Family Leave (employee): 0.432% of wages for 2026, up to an annual maximum of $411.91 (the cap is set by the statewide average weekly wage of $1,833.63). NY Disability Insurance (employee): 0.5% of wages, capped at $0.60 a week ($31.20 a year). On $60,000 these total about $290 a year.
Are there local income taxes on New York paychecks?
Yes. New York City residents pay a city income tax of 3.078% to 3.876% on top of the state tax, and Yonkers residents pay a surcharge of 16.75% of their state tax. Nonresidents who work in Yonkers pay 0.5% of wages. The paycheck calculator lets you add either. Choose your city or county in the calculator, or enter its rate under “Other”.
I live in another state but work in New York. Whose tax comes out?
New York has no reciprocal agreements, so your employer withholds New York tax on wages for work done in New York. Your home state normally gives a credit for tax paid to New York, so you are not taxed twice on the same pay, but you may need to file in both states.
How are bonuses withheld in New York?
Federally, a bonus paid separately is usually withheld at a flat 22% (37% on supplemental pay above $1 million in the year). For New York: New York allows supplemental wages to be withheld at a flat 11.70%, plus 4.25% for New York City residents and 1.95975% for Yonkers residents.
Which form sets my New York withholding?
New York uses Form IT-2104 alongside the federal Form W-4. If you do not file one, your employer uses the state's default setting, usually single with no allowances or adjustments. Update it after marriage, a new child or a second job.
More for New York
- New York income tax calculator for the full year
- Paycheck calculator for all states
- Bonus tax calculator