New York Paycheck Calculator

Your estimated take-home pay in New York for 2026 — federal tax, New York State tax, your city tax if you live in New York City or Yonkers, Paid Family Leave, and SDI. Most calculators skip the local taxes; this one doesn't. Results update as you type, and everything runs in your browser.

How are you paid?

Yearly salary ($ before taxes)

Pay schedule

Filing status (from your W-4 / IT-2104)

NY IT-2104 exemptions

Where do you live / work?

Pre-tax deductions per paycheck (401(k), health premiums — $) My employer deducts the standard disability (SDI/DBL) contribution (0.5% of wages, max $0.60/week — optional for employers)

Advanced — W-4 adjustments (optional)

I checked the box in Step 2 of my W-4 (two jobs / working spouse)

Other income — W-4 Step 4(a) ($ per year)

Deductions — W-4 Step 4(b) ($ per year)

Tax credits — W-4 Step 3 ($ per year)

Extra withholding — Step 4(c) ($ per paycheck)

Wages already earned this year before this paycheck ($ — used for the Social Security limit and the Paid Family Leave cap)

Your estimated take-home pay

$0.00

per paycheck

Gross pay	$0.00
Pre-tax deductions	−$0.00
Federal income tax	−$0.00
Social Security (6.2%)	−$0.00
Medicare (1.45%)	−$0.00
New York State tax	−$0.00
Local tax	−$0.00
NY Paid Family Leave (0.432%)	−$0.00
NY disability (SDI/DBL)	−$0.00
Take-home pay	$0.00

What's different about a New York paycheck

The city tax is real money. If you live in New York City, the city takes its own income tax on top of the state's — up to a 4.25% withholding rate at higher incomes. Yonkers residents pay a surcharge of 16.75% of their state tax, and people who work in Yonkers but live elsewhere pay a 0.5% earnings tax. Many national calculators ignore all of this; here it's included when you pick your location above.

Paid Family Leave comes out of your pay. In 2026 the employee contribution is 0.432% of your gross wages, capped at $411.91 for the year. Once you've paid the cap, it stops — enter your year-to-date wages in the advanced section and this calculator applies the cap.

SDI depends on your employer. New York's disability benefits law lets (but doesn't require) employers deduct 0.5% of wages, up to $0.60 a week. It's tiny, but if you see a small "SDI" or "DBL" line on your pay stub, that's it — tick the box above to include it.

How this calculator works

New York withholding uses the exact calculation method (Method II) from the state's official Publication NYS-50-T (1/26) tables: your pay is annualized, the deduction allowance for your filing status ($7,400 single / $7,950 married) plus $1,000 per IT-2104 exemption is subtracted, and the official 2026 rate schedule is applied. At very high incomes the state's Method III flat rates are used, as the booklet requires. NYC and Yonkers follow their own NYS-50-T booklets. Federal withholding follows IRS Publication 15-T (2026). Full sources are on our methodology page.

Common questions

I live in New Jersey / Connecticut but work in New York. Which tax do I pay?
New York taxes the wages you earn in New York, so the state lines here apply. Your home state usually gives you a credit for tax paid to New York when you file — but it isn't withheld from this paycheck.

Why is my real paycheck a bit different?
The state's per-period tables are individually rounded, so a cent or two of difference from this annualized calculation is normal. Your actual IT-2104 entries and benefits may also differ from what you typed here.

What about overtime?
Include overtime pay in your gross. To figure out the overtime itself, use our Overtime Calculator.

Estimate for general information only — not tax, legal, or financial advice. Federal method: IRS Publication 15-T (2026). New York: NYS Dept. of Taxation and Finance, Publication NYS-50-T (1/26); Paid Family Leave 2026 rate 0.432%, max $411.91 (paidfamilyleave.ny.gov). See our methodology & sources.