New York Paycheck Calculator

Your New York
Take-Home Pay

NY state tax + optional NYC city tax, all in one place. See exactly what you keep from your paycheck — updated for 2026 NY brackets.

NY State 3.9%–10.9% NYC City Tax Option 2026 IRS Brackets Salary & Hourly
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New York Paycheck Calculator
2026 · Federal + NY State + NYC
🗽
Do you live in New York City?
NYC residents pay an additional 3.078%–3.876% city income tax on top of state tax.
Annual Gross Salary
$
Pay Frequency
Filing Status
401(k) Pre-Tax / Period
$
Health Insurance / Period
$
Other Post-Tax Deductions
$
Take-Home Biweekly
$0
$0 annual take-home
Total Effective Rate
0%
💵
Gross Pay
Per period
$0
🏛️
Federal Tax
0% eff.
−$0
🗽
NY State Tax
0% eff.
−$0
🌆
NYC City Tax
3.078–3.876%
−$0
🔒
Social Security
6.2%
−$0
🏥
Medicare
1.45%
−$0
Every dollar breakdown
Take-Home Federal NY State NYC Tax Social Security Medicare
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New York vs. Florida: The Tax Cost of the City

New York has some of the highest combined taxes in the US. Here's what a $75,000 salary looks like in New York vs. Florida — a state with zero income tax:

🗽 New York (State Only)
$54,200
Estimated annual take-home
🌴 Florida — 0% State Tax
$58,600
Estimated annual take-home

A Florida worker earning $75,000 keeps roughly $4,400 more per year than an equivalent New York worker. NYC residents paying the additional city tax keep even less — the gap can exceed $7,000 per year for the same salary.

2026 New York State Tax Brackets

NY standard deduction: $8,000 (single) · $16,050 (married jointly) · $11,200 (head of household)

NY RateSingle Filer IncomeMarried Jointly
3.9%$0 – $8,500$0 – $17,150
4.5%$8,501 – $11,700$17,151 – $23,600
5.25%$11,701 – $13,900$23,601 – $27,900
5.5%$13,901 – $80,650$27,901 – $161,550
6%$80,651 – $215,400$161,551 – $323,200
6.85%$215,401 – $1,077,550$323,201 – $2,155,350
9.65%$1,077,551 – $5,000,000$2,155,351 – $5,000,000
10.3%$5,000,001 – $25,000,000Same
10.9%Over $25,000,000Same

NYC residents add: 3.078% on income up to $12,000 · 3.762% up to $25,000 · 3.819% up to $50,000 · 3.876% above $50,000

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Frequently asked questions

QHow much is New York state income tax?
New York state income tax ranges from 3.9% to 10.9% across 9 progressive brackets for 2026. Most middle-income earners (earning $13,901–$215,400) fall in the 5.5%–6% bracket. The standard deduction is $8,000 for single filers and $16,050 for married filing jointly — applied before calculating state tax.
QDo NYC residents pay extra taxes?
Yes. New York City residents pay an additional city income tax on top of state tax, ranging from 3.078% to 3.876% depending on income. NYC withholding is reported on Form IT-201 alongside your state taxes — there is no separate NYC return. Use the NYC toggle in the calculator above to include city tax in your estimate.
QWhat is the take-home pay on a $75,000 salary in New York?
For a single filer earning $75,000 outside NYC with standard deductions and biweekly pay, estimated annual take-home is approximately $54,200 — about $2,085 per biweekly paycheck. NYC residents earning the same salary keep approximately $3,000 less due to city tax. Use the calculator above for your exact numbers.
QWhat is the 2026 New York minimum wage?
New York's minimum wage in 2026 is $16.50 per hour for most of the state, with higher rates in New York City, Long Island, and Westchester County. New York City's minimum wage is $17.00 per hour. These are among the highest minimum wages in the United States.
QHow do I reduce my New York state taxes?
Key strategies include maximizing pre-tax retirement contributions (401k, IRA), using a Health Savings Account (HSA), claiming the NY earned income credit (30% of federal EITC), and taking the college tuition deduction (up to $10,000). Enter your 401(k) and health insurance deductions in the calculator above to see the immediate impact on your paycheck.
QIs New York state tax withheld from every paycheck?
Yes. New York state income tax is withheld by your employer from each paycheck using the IT-2104 withholding form you complete at the start of employment. If you live in NYC or Yonkers, city tax is also withheld automatically. You can adjust withholding by filing a new IT-2104 with your employer at any time.