New York Paycheck Calculator 2026 – Estimate Your Take-Home Pay
Use our free New York Paycheck Calculator to estimate your net pay for the 2026 tax year. This tool acts as a NY paycheck calculator by computing Federal withholding, FICA taxes, mandatory NY PFL (Paid Family Leave), and New York income tax. Residents of NYC can also calculate their NYC local income tax. With progressive rates up to 10.9%, estimating your New York take-home pay accurately is essential.
- State Tax Rate: 4% – 10.9% (Progressive)
- NYC Local Tax: ~3.078% – 3.876% (Residents Only)
- NY PFL Tax: ~0.373% (Paid Family Leave)
- FICA Tax: 7.65% (Federal)
How the New York Paycheck Calculator Works
Our New York payroll tax calculator handles the complex state and city tax rules. We start with your gross earnings and subtract:
- Federal Withholding: Based on your filing status and IRS brackets.
- FICA Taxes: Mandatory contributions for Social Security (6.2%) and Medicare (1.45%).
- New York State Tax: Calculated using the 9-tier bracket system based on your income level.
- NYC Local Tax (Optional): Applied if you indicate you are a New York City resident.
- NY PFL & SDI: Mandatory deductions for Paid Family Leave and State Disability Insurance.
New York Income Tax Brackets (2026)
New York State uses a progressive income tax system. This makes the New York income tax calculator logic detailed.
Single Filer Brackets (State Only)
| Taxable Income Range | Tax Rate |
|---|---|
| $0 – $8,500 | 4.00% |
| $8,501 – $11,700 | 4.50% |
| $11,701 – $13,900 | 5.25% |
| $13,901 – $80,650 | 5.50% |
| $80,651 – $215,400 | 6.00% |
| $215,401 – $1,077,550 | 6.85% |
| $1,077,551 – $5,000,000 | 9.65% |
| $5,000,001 – $25,000,000 | 10.30% |
| Over $25,000,000 | 10.90% |
Note: NYC residents pay an additional local tax of roughly 3.078% to 3.876% on top of state tax.
Federal Taxes That Apply to Your Paycheck
Federal Income Tax
The IRS imposes a progressive tax ranging from 10% to 37%. Your specific rate depends on your filing status and total taxable income.
Social Security & Medicare (FICA)
Every New York paystub calculator must account for FICA. This deducts 6.2% of your gross pay for Social Security (up to the wage limit) and 1.45% for Medicare (on all earnings).
New York Paycheck After Taxes for $85,000 Salary (NYC Resident)
If you are a single filer living in Manhattan (NYC) earning $85,000 per year, your breakdown looks like this:
| Tax Description | Amount |
|---|---|
| Federal Tax (Est.) | $11,500 |
| FICA (7.65%) | $6,502 |
| State Tax (Est.) | $4,100 |
| NYC Local Tax (Est.) | $2,950 |
| NY PFL & SDI | $350 |
| Estimated Take-Home Pay | $59,598 |
Minimum Wage & Cost of Living
New York has a high minimum wage ($16.00 in NYC/Long Island/Westchester, $15.00 elsewhere in 2026). The cost of living, especially in NYC, is among the highest in the world due to housing, transportation, and taxes.
How to Increase Your Take-Home Pay
To maximize your NYC paycheck calculator results, ensure your W-4 and IT-2104 (NY withholding form) are accurate. Contributing to pre-tax retirement accounts (401k/403b) and commuter benefits can significantly lower your taxable income.
FAQs – New York Paycheck Calculator
Do I have to pay NYC income tax?
Yes, but only if you are a resident of New York City (Bronx, Brooklyn, Manhattan, Queens, or Staten Island). Commuters who work in NYC but live outside the city do not pay the NYC personal income tax.
What is NY Paid Family Leave (PFL) tax?
NY PFL is a mandatory insurance program funded by employees. For 2026, the deduction rate is approximately 0.373% of your gross wages, up to an annual cap.
What is the income tax rate in New York for 2026?
New York State tax rates range from 4% to 10.9%. High earners over $1 million pay significantly higher rates due to recent tax law changes.