State income tax
The calculator uses the 2026 New York State Method II exact calculation and accepts IT-2104 allowances plus additional state withholding.
2026 New York paycheck calculator
What will your New York paycheck look like?
Estimate New York take-home pay with the official New York State exact withholding method plus employee disability and Paid Family Leave contributions.
Your details
Estimate your pay
Leave this unchecked only if this is your household's only income. Otherwise each employer withholds as if it were, and together they take out thousands too little.
Federal + state estimate Verified 2026 rules are live for all 50 states and the District of Columbia. New York local tax is included — select your locality in Advanced options.
Estimated take-home pay2026 · Federal + NY
$2,345.28per paycheck
You keep 76.2% of this paycheck after included federal, state, and entered payroll deductions.
Monthly$5,081
Annual$60,977
Included taxes23.8%
Where your paycheck went
From gross pay to take-home
Gross pay $3,076.92
Federal income tax Why?−$337.31
Why is this withheld?
We annualize federal taxable wages, include your W-4 income and deduction adjustments, subtract the 2026 standard deduction for single, and apply tax brackets in layers.
$80,000 adjusted income− $16,100 standard deduction= $63,900 taxable
Tax year 2026 · IRS Revenue Procedure 2025-32 ↗ · Form W-4 ↗
New York income tax Why?−$144.45
Why is this withheld?
We annualize this paycheck's state-taxable wages, apply the supported state-certificate inputs, then use the official 2026 nys method ii exact calculation.
$80,000 annualized state wages0 entered allowances / exemptions$3,756 estimated annual withholding
Tax year 2026 · Official New York withholding source ↗
New York DBL + PFL Why?−$14.49
Disability and Paid Family Leave
New York employers may deduct the statutory disability contribution of 0.5% of wages, capped at sixty cents a week, plus the 2026 Paid Family Leave contribution of 0.432% of gross wages, capped at $411.91 for the year. Your employer may pay some or all of either share.
Tax year 2026 · NYS Paid Family Leave 2026 rates ↗
Social Security Why?−$190.77
Why is this withheld?
Employees pay 6.2% on covered wages up to the 2026 annual wage base of $184,500. This paycheck has $3,076.92 of FICA-taxable wages.
Tax year 2026 · IRS Publication 15 ↗
Medicare Why?−$44.62
Why is this withheld?
Employees pay 1.45% on covered wages with no wage cap. An additional 0.9% applies to employer-paid wages over $200,000 in the year.
Tax year 2026 · IRS Publication 15 ↗
Local withholdingLocation needed
New York locality of residence is required for local withholding
Estimated take-homeFederal and state included · local excluded
$2,345.28New York locality of residence is required for local withholding. Select it in Advanced options.
Your actual paycheck may differ based on payroll-specific rules and year-to-date wages.
What if?
Try the next decision before you make it.
Each card reruns your current inputs through the same 2026 tax engine.
Scenario
Get a $5,000 raise
See how much of a $5,000 annual raise reaches your bank account.
+$3,226annual take-home
+$124.08 / paycheck+$269 / month
Gross raise$5,000.00
Solve for the raise you need →Scenario
Increase your 401(k) to 6%
Trade some cash take-home for additional traditional retirement savings.
−$3,485annual take-home
−$134.03 / paycheck−$290 / month
Annual contribution$4,800.12
What contributing costs you →Decision toolCompare a new job offer
Put two salaries, states, schedules, and benefit choices side-by-side.
Open comparison →What is included
A New York estimate with clear boundaries.
New York paychecks can include federal income tax, Social Security, Medicare, New York State income-tax withholding, employee disability and Paid Family Leave contributions, and entered benefits or deductions.
Payroll taxes
Employee disability (DBL) is estimated at the statutory maximum of 0.5% of wages, capped at sixty cents a week, and Paid Family Leave at the 2026 rate of 0.432% of gross wages, capped at $411.91 for the year. An employer may pay some or all of either employee share.
Local coverage
New York City and Yonkers withholding are both included. New York City taxes residents only, so commuters are shown a verified zero. Yonkers adds a 16.75% surcharge on a resident's state withholding, and charges nonresidents who work there a separate 0.50% earnings tax.
Salary examples
Three useful starting points
Single filer, biweekly pay, no entered benefits. These examples use the same calculator above.
| Annual salary | Biweekly take-home | Monthly take-home | Annual take-home |
|---|---|---|---|
| $50,000 | $1,537 | $3,331 | $39,972 |
| $80,000 | $2,345 | $5,081 | $60,977 |
| $120,000 | $3,328 | $7,211 | $86,528 |
Local taxes are not included. Actual payroll can differ because of year-to-date wages, employer rounding, elections, and less-common tax situations.
Common questions
New York paycheck FAQ
Does this include New York City income tax?
Yes. Select New York City as your locality of residence in Advanced options. Because the city taxes residents only, someone who works in the city but lives elsewhere is shown a verified zero rather than a warning.
Does this include New York disability and Paid Family Leave?
Yes. It estimates the maximum employee disability contribution of 0.5% of wages up to sixty cents a week, and the 2026 Paid Family Leave contribution of 0.432% of gross wages up to $411.91 a year. Employer-paid amounts can reduce the actual deduction.
Which New York withholding method is used?
The estimate uses the 2026 New York State Method II exact-calculation schedules from Publication NYS-50-T-NYS.
Can I enter IT-2104 allowances?
Yes. Open Advanced options and use the state-withholding section to enter allowances and extra state withholding per paycheck.
Official sources
Verified rules behind this page
New York Publication NYS-50-T-NYS (1/26)
2026 New York State deduction, allowance, exact-calculation, and top-income withholding methods.
Open official source ↗New York Workers' Compensation Law Section 209
Statutory employee contribution toward disability benefits: one-half of one percent of wages, not to exceed sixty cents per week.
Open official source ↗NYS Workers' Compensation Board 2026 Paid Family Leave Update
2026 Paid Family Leave employee contribution rate of 0.432% of gross wages, capped at $411.91 annually against a statewide average weekly wage of $1,833.63.
Open official source ↗New York Publication NYS-50-T-NYC (1/26)
2026 New York City resident exact-calculation method and combined deduction and exemption allowance tables. Transcription reproduces all four worked examples on page 27 exactly.
Open official source ↗New York Publication NYS-50-T-Y (1/26)
2026 Yonkers resident surcharge at 16.75% of New York State withholding, and the nonresident earnings tax at 0.50% after the published exemption. Transcription reproduces the three worked examples on page 24 exactly.
Open official source ↗