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New York Paycheck Calculator (2026)

Updated June 2026 · By the NumberBench editorial team · How we calculate

Estimate your take-home pay in New York. Enter your gross pay and we apply federal tax, FICA, and New York’s state income tax to estimate your net paycheck. This is a rough estimate, not exact withholding.

New York has a graduated income tax with 9 brackets and a top rate of 10.9% (2026). This tool applies the full 2026 bracket schedule for your filing status, so your effective rate rises with income rather than using one flat number. Some New York localities also add a local income tax, which this estimate excludes.
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Take-home per paycheck—
Annual take-home—
Federal income tax—
FICA (SS + Medicare)—
State income tax—
Effective state tax rate—

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New York state income tax

Your actual paycheck withholding also depends on your W-4 elections, filing status, and any local taxes, so treat this as a planning estimate rather than exact withholding.

Take-home pay by state

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How it’s calculated

Take-home pay = gross pay − FICA − federal income tax − state income tax − pre-tax deductions. FICA is Social Security (6.2% up to the annual wage base) plus Medicare (1.45%). State income tax applies New York’s 2026 tax brackets (single or married-filing-jointly, per your selection) to your pay after pre-tax deductions and the state standard deduction. Federal income tax uses the estimated effective rate you enter.

Source: Tax Foundation, “2026 State Individual Income Tax Rates & Brackets.” Estimate only — excludes local income taxes, credits, exemptions, and itemized deductions. Verify before filing.

Results update as you type and are estimates, not professional advice — verify important decisions with a qualified professional.

Worked example

A $60,000 salary in New York paid bi-weekly nets about $1,558 per paycheck after federal tax, FICA, and 6% state income tax.

Common mistakes

  • Assuming the state rate is the biggest deduction; federal tax and FICA usually take more.
  • Treating this planning estimate as exact withholding, which depends on your W-4 and brackets.

Where it is used

  • Comparing take-home pay for a job in New York against another state.
  • Budgeting around your real net paycheck in New York.

Frequently asked questions

Does New York have a state income tax?

New York has a state income tax; this estimate applies the state’s 2026 income-tax brackets for your filing status. Your actual withholding depends on filing status, W-4 choices, deductions, credits, local taxes, and payroll rules.

Is this my exact paycheck?

No. It applies an estimated federal effective rate and the state’s 2026 income-tax brackets (single or joint). Real withholding depends on your W-4, brackets, and any local taxes.

What is FICA?

Social Security (6.2% up to the wage base) and Medicare (1.45%) — payroll taxes deducted in every state.