New York Paycheck Calculator: Calculate NY and NYC Take-Home Pay
Estimate your net pay with our free New York paycheck calculator. Includes federal, NY state, and NYC local withholdings to compute net pay. Fast and accurate.
Quick Scenarios
Paycheck Details
Enter your employment information
How to Use New York Paycheck Calculator
Enter Your Data
Input your financial information, amounts, rates, and terms in the calculator fields
Adjust Parameters
Fine-tune options like compounding frequency, payment schedules, or additional contributions
Calculate Results
Click Calculate to instantly see your results with detailed breakdowns and charts
Analyze & Compare
Review the results, try different scenarios, and use insights for financial planning
Key Features
Fast new york paycheck calculator calculations
Clear inputs and results
Mobile-friendly, privacy-first
Free to use, no signup
Complete Guide: New York Paycheck Calculator: Calculate NY and NYC Take-Home Pay
Understanding your New York paycheck is crucial for financial planning. With state income taxes ranging from 4% to 10.9%, plus additional NYC or Yonkers local taxes, your take-home pay can be significantly different from your gross salary. Our New York paycheck calculator helps you accurately estimate your net pay by accounting for all relevant federal, state, and local withholdings.
Whether you're starting a new job in Manhattan, living in Brooklyn, or working remotely from Yonkers, this calculator provides precise calculations for your specific location and filing status. For 2025, New York State tax brackets remain progressive, while NYC residents face one of the highest combined tax burdens in the nation at up to 3.876% local tax on top of state taxes.
Our calculator factors in federal income taxes using current IRS brackets, FICA (Social Security and Medicare), New York State income tax, applicable local taxes (NYC or Yonkers), plus mandatory New York State Disability Insurance (SDI) and Paid Family Leave (PFL) contributions. This comprehensive approach ensures you get an accurate picture of your actual take-home pay.
How This Calculator Works
Our New York paycheck calculator uses a multi-step process to determine your take-home pay:
1. Federal Tax Withholding
Calculates federal income tax using 2024-2025 tax brackets, accounting for standard deductions and filing status.
2. FICA Taxes
Deducts Social Security (6.2% up to $160,200) and Medicare (1.45% + 0.9% surtax over $200,000).
3. New York State Tax
Applies progressive NY state tax rates from 4% to 10.9% based on income and filing status.
4. Local Taxes
Adds NYC tax (up to 3.876%) or Yonkers surcharge (16.425% of state tax) if applicable.
The calculator also includes mandatory New York State Disability Insurance (SDI) at 0.5% of wages (capped at $0.60/week) and Paid Family Leave (PFL) at 0.373% of wages (capped at $333.25 annually). Pre-tax deductions like 401(k) contributions and medical premiums are subtracted before tax calculations to provide the most accurate estimate.
New York State Tax Rates and Brackets (2025)
New York State uses a progressive income tax system with multiple brackets. Understanding these rates helps you estimate how changes in income affect your take-home pay:
| Tax Rate | Single/Married Separate | Married Joint | Head of Household |
|---|---|---|---|
| 4.00% | $0 - $8,500 | $0 - $17,150 | $0 - $12,800 |
| 4.50% | $8,500 - $11,700 | $17,150 - $23,600 | $12,800 - $17,650 |
| 6.21% | $80,650 - $96,800 | $161,550 - $193,850 | $107,650 - $129,200 |
| 7.10% | $215,400 - $1,077,550 | $323,200 - $2,155,350 | $236,050 - $1,195,100 |
| 10.90% | Over $1,077,550 | Over $2,155,350 | Over $1,195,100 |
Key Insight: NY State taxes are significantly higher than the national average. A $75,000 salary in New York State results in approximately $3,500-$4,500 more in state taxes compared to a no-income-tax state like Florida or Texas.
NYC and Yonkers Local Taxes
Living or working in New York City or Yonkers subjects you to additional local income taxes, creating one of the highest overall tax burdens in the United States:
NYC Resident Tax Rates:
Yonkers Tax Rates:
Combined Tax Impact: A single NYC resident earning $100,000 pays approximately 28-30% in total taxes (federal, state, and local), leaving about $70,000-$72,000 in take-home pay. This doesn't include the additional $333.25 annual PFL contribution and SDI costs.
Real-World Examples (2025 Calculations)
Example 1: Entry-Level NYC Professional
Sarah earns $55,000/year as a marketing assistant in Manhattan, single filing status, paid bi-weekly:
- • Gross Pay: $2,115.38 per paycheck
- • Federal Tax: $223.08 per paycheck
- • NY State Tax: $89.65 per paycheck
- • NYC Tax: $80.11 per paycheck
- • FICA + SDI/PFL: $162.50 per paycheck
- • Take-Home Pay: $1,560.04 per paycheck
- • Total Tax Rate: 26.3%
Example 2: Dual-Income Brooklyn Couple
Mike and Lisa earn $95,000 each ($190,000 combined), married filing jointly, live in Brooklyn, paid monthly:
- • Combined Gross: $15,833 per month
- • Total Federal Tax: $2,987 per month
- • Total NY State Tax: $1,142 per month
- • Total NYC Tax: $610 per month
- • FICA + SDI/PFL: $1,212 per month
- • Combined Take-Home: $9,882 per month
- • Effective Tax Rate: 30.4%
Example 3: Suburban Worker with Dependents
David works in Albany (no local tax), earns $72,000, married with 2 children (Head of Household), paid bi-weekly:
- • Gross Pay: $2,769.23 per paycheck
- • Federal Tax: $258.85 per paycheck
- • NY State Tax: $123.08 per paycheck
- • Local Tax: $0 (no local tax)
- • FICA + SDI/PFL: $212.50 per paycheck
- • Take-Home Pay: $2,174.80 per paycheck
- • Total Tax Rate: 21.5%
Strategies to Maximize Your NY Take-Home Pay
Pre-Tax Benefits
- • Maximize 401(k) contributions: Up to $23,000 in 2025 ($30,500 if 50+)
- • Health Savings Account (HSA): $4,150 individual, $8,300 family
- • Flexible Spending Account (FSA): Up to $3,200 for health, $5,000 dependent
- • Commuter benefits: Up to $315/month pre-tax for transit/parking
Tax Planning
- • Review withholding: Adjust W-4 to avoid over/under withholding
- • Consider itemizing: State and local tax (SALT) deduction up to $10,000
- • Timing income: Defer bonuses to lower-income years if possible
- • Relocate strategically: Consider suburbs without local income taxes
Common New York Payroll Deductions Explained
New York State Disability Insurance (SDI)
A mandatory 0.5% payroll deduction capped at $0.60 per week ($31.20 annually). This provides short-term disability benefits if you're unable to work due to non-work-related injury or illness.
Paid Family Leave (PFL)
0.373% of wages up to $333.25 annually in 2025. This program provides partial wage replacement when employees need time to bond with a new child, care for a seriously ill family member, or address family matters during military deployment.
NYC Resident Tax vs. Commuter Tax
NYC residents pay local tax on all income up to 3.876%. Non-residents who work in NYC don't pay this tax. This makes a significant difference for commuters from New Jersey, Connecticut, or Westchester County.
Key Takeaways
New York's tax structure creates one of the highest tax burdens in the United States, particularly for NYC residents. Understanding these taxes helps you make informed career and financial decisions. The combination of federal, state, and local taxes can reduce your take-home pay by 25-35%, depending on your income level and location.
Use our calculator regularly to model different scenarios—raises, job changes, retirement contributions, or relocation. Small changes in your 401(k) contribution percentage or moving outside the five boroughs can significantly impact your net pay. Always keep New York State disability insurance and Paid Family Leave contributions in mind, as these mandatory deductions affect your actual take-home amount.
About the Author
Jurica Šinko
Finance Expert, CPA, MBA with 15+ years in corporate finance and investment management
Connect with JuricaFrequently Asked Questions
How accurate are these calculator results?
Our calculators use industry-standard financial formulas and are regularly verified against professional accounting software. Results are highly accurate based on the information you provide.
Is my financial data stored or shared?
No. All calculations happen locally in your browser. We never store, track, or share any of your personal financial information. Your privacy is 100% protected.
Can I use these calculators for business purposes?
Yes! Our calculators are suitable for both personal and business financial planning. Many small business owners and financial professionals use them daily.
How often are rates and formulas updated?
We regularly update our calculators to reflect current tax laws, interest rates, and financial regulations. Check the last updated date on each calculator page.
What makes these calculators different from others online?
We focus on user experience, accuracy, and privacy. No ads cluttering the interface, no required sign-ups, and mobile-first design ensures they work perfectly on any device.
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