New York paycheck calculator: take-home pay 2026
In New York, your paycheck loses federal income tax, Social Security, Medicare and state income tax of 3.9% to 10.9%, plus Paid Family Leave and disability benefits. Enter your pay to see your take-home pay in New York for 2026.
Paycheck calculator
Take-home pay, every 2 weeks
$1,595.97 a paycheck
$25 an hour is $52,000 a year before tax in New York, about $41,495 after tax ($3,458 a month) for a single filer working 40 hours a week in 2026.
- A year$41,495
- A month$3,457.93
- A paycheck$1,595.97
- An hour$19.95
Where your pay goes
- Take-home pay$41,49579.8%
- Federal income tax$4,0607.8%
- Social Security and Medicare$3,9787.7%
- New York taxes$2,4674.7%
Breakdown
| Gross pay | $2,000.00 |
|---|---|
| Federal income tax | −$156.15 |
| Social Security | −$124.00 |
| Medicare | −$29.00 |
| New York income tax | −$85.04 |
| New York Paid Family Leave | −$8.64 |
| New York disability benefits (DBL) | −$1.20 |
| Total taxes | −$404.03 |
| Take-home pay | $1,595.97 |
- Effective tax rate
- 20.2%
- Marginal tax rate
- 25.5%
- Federal bracket
- 12%
- New York bracket
- 5.4%
The marginal rate is the tax on your next dollar, all taxes included, measured over the next $1,000 of pay.
Compare all 50 states and DC
Take-home pay on $52,000 a year, filing single. State taxes include state payroll contributions; other local taxes are left out.
| State | A year | A month | State taxes | Difference |
|---|---|---|---|---|
| 1 | $43,962 | $3,664 | $0 | +$2,467 |
| 2 | $43,962 | $3,664 | $0 | +$2,467 |
| 3 | $43,962 | $3,664 | $0 | +$2,467 |
| 4 | $43,962 | $3,664 | $0 | +$2,467 |
| 5 | $43,962 | $3,664 | $0 | +$2,467 |
| 6 | $43,962 | $3,664 | $0 | +$2,467 |
| 7 | $43,962 | $3,664 | $0 | +$2,467 |
| 8 | $43,962 | $3,664 | $0 | +$2,467 |
| 9 | $43,702 | $3,642 | $260 | +$2,207 |
| 10 | $43,241 | $3,603 | $721 | +$1,746 |
| 11 | $43,065 | $3,589 | $898 | +$1,569 |
| 12 | $42,976 | $3,581 | $987 | +$1,480 |
| 13 | $42,830 | $3,569 | $1,132 | +$1,335 |
| 14 | $42,787 | $3,566 | $1,175 | +$1,292 |
| 15 | $42,684 | $3,557 | $1,278 | +$1,189 |
| 16 | $42,638 | $3,553 | $1,324 | +$1,143 |
| 17 | $42,614 | $3,551 | $1,348 | +$1,119 |
| 18 | $42,597 | $3,550 | $1,365 | +$1,101 |
| 19 | $42,526 | $3,544 | $1,436 | +$1,030 |
| 20 | $42,484 | $3,540 | $1,478 | +$989 |
| 21 | $42,476 | $3,540 | $1,486 | +$980 |
| 22 | $42,458 | $3,538 | $1,505 | +$962 |
| 23 | $42,434 | $3,536 | $1,529 | +$938 |
| 24 | $42,396 | $3,533 | $1,566 | +$901 |
| 25 | $42,329 | $3,527 | $1,633 | +$834 |
| 26 | $42,314 | $3,526 | $1,648 | +$819 |
| 27 | $42,287 | $3,524 | $1,675 | +$792 |
| 28 | $42,275 | $3,523 | $1,687 | +$780 |
| 29 | $42,260 | $3,522 | $1,702 | +$764 |
| 30 | $42,228 | $3,519 | $1,734 | +$733 |
| 31 | $42,193 | $3,516 | $1,769 | +$698 |
| 32 | $42,175 | $3,515 | $1,787 | +$680 |
| 33 | $42,168 | $3,514 | $1,795 | +$672 |
| 34 | $42,154 | $3,513 | $1,808 | +$658 |
| 35 | $42,116 | $3,510 | $1,846 | +$621 |
| 36 | $42,057 | $3,505 | $1,905 | +$562 |
| 37 | $42,008 | $3,501 | $1,954 | +$513 |
| 38 | $42,003 | $3,500 | $1,959 | +$508 |
| 39 | $41,870 | $3,489 | $2,092 | +$375 |
| 40 | $41,860 | $3,488 | $2,102 | +$365 |
| 41 | $41,805 | $3,484 | $2,157 | +$310 |
| 42 | $41,803 | $3,484 | $2,159 | +$308 |
| 43 | $41,786 | $3,482 | $2,176 | +$291 |
| 44 | $41,721 | $3,477 | $2,241 | +$225 |
| 45 | $41,545 | $3,462 | $2,417 | +$50 |
| 46 | $41,533 | $3,461 | $2,429 | +$38 |
| 47 | $41,533 | $3,461 | $2,429 | +$38 |
| 48 | $41,495 | $3,458 | $2,467 | Selected |
| 49 | $41,443 | $3,454 | $2,519 | −$52 |
| 50 | $40,405 | $3,367 | $3,557 | −$1,090 |
| 51 | $40,236 | $3,353 | $3,726 | −$1,259 |
How New York taxes your paycheck
New York has rates from 3.9% to 10.9%, lowered for 2026, after an $8,000 standard deduction ($16,050 for a joint return, $11,200 for head of household).
| Taxable income, single | Rate | Married filing jointly | Rate |
|---|---|---|---|
| Up to $8,500 | 3.9% | Up to $17,150 | 3.9% |
| $8,500 to $11,700 | 4.4% | $17,150 to $23,600 | 4.4% |
| $11,700 to $13,900 | 5.15% | $23,600 to $27,900 | 5.15% |
| $13,900 to $80,650 | 5.4% | $27,900 to $161,550 | 5.4% |
| $80,650 to $215,400 | 5.9% | $161,550 to $323,200 | 5.9% |
| $215,400 to $1,077,550 | 6.85% | $323,200 to $2,155,350 | 6.85% |
| $1,077,550 to $5,000,000 | 9.65% | $2,155,350 to $5,000,000 | 9.65% |
| $5,000,000 to $25,000,000 | 10.3% | $5,000,000 to $25,000,000 | 10.3% |
| Over $25,000,000 | 10.9% | Over $25,000,000 | 10.9% |
- Once income passes $107,650, New York takes back the benefit of its lower rates, step by step.
- New York City and Yonkers add their own income tax for residents. Choose one in the calculator to include it.
Required payroll deductions
- New York Paid Family Leave: 0.432% of pay, at most $411.91 a year. The yearly maximum is 0.432% of the state average yearly wage of $95,350.64.
- New York disability benefits (DBL): 0.5% of pay, at most $31.20 a year. Employers can take up to 60 cents a week.
Local income tax
New York City residents pay city income tax of 3.078% to 3.876% on the same taxable income, less a school tax credit. Yonkers residents pay a surcharge of 16.75% of their New York State tax. Choose either in the calculator; the state pages and answer pages leave them out.
More free tools for New York
More pay amounts in New York
Minimum wage
Hourly pay, 40 hours a week
- $15 an hour
- $16 an hour
- $17 an hour
- $18 an hour
- $19 an hour
- $20 an hour
- $22 an hour
- $25 an hour
- $28 an hour
- $30 an hour
- $35 an hour
- $40 an hour
- $45 an hour
- $50 an hour
- $60 an hour
Yearly salary
- $30,000 a year
- $40,000 a year
- $50,000 a year
- $60,000 a year
- $70,000 a year
- $75,000 a year
- $80,000 a year
- $90,000 a year
- $100,000 a year
- $120,000 a year
- $150,000 a year
- $200,000 a year
Other states
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
How this calculator works
- Your pay becomes a yearly amount. Hourly pay counts your hours a week for 52 weeks, so paid holidays and vacation count as worked weeks.
- Federal income tax uses the 2026 IRS brackets and standard deduction for your filing status: $16,100 single, $32,200 married filing jointly and $24,150 head of household. With a 2026 Form W-4 and nothing else filled in, this is what IRS Publication 15-T has your employer withhold over the year.
- Social Security is 6.2% of pay up to $184,500. Medicare is 1.45% of all pay, plus 0.9% on pay over $200,000.
- State income tax uses each state's 2026 brackets, standard deduction and personal exemptions for a full-year resident with no dependents. Required state payroll deductions, like paid family leave or disability insurance, are included.
- It assumes one job all year and no other income, credits or itemized deductions. Dependents and the Child Tax Credit are not included, so if you file as head of household or claim children on your Form W-4, your federal tax will usually be lower than shown. Your real paycheck can differ by a few dollars, because payroll rounds each paycheck and some states use their own withholding tables.
- Hours over 40 a week count at your regular rate. For time and a half, use the overtime calculator. A 401(k) is held to the 2026 IRS limit of $24,500; catch-up contributions at 50 and older are not included.
Common questions
How much is taken out of a paycheck in New York?
On $25 an hour, 40 hours a week, a single filer in New York pays about 20.2% of pay in taxes and keeps $41,495 a year, or $1,595.97 every 2 weeks. On a $60,000 salary it is 20.9%, leaving $47,457 a year.
What is the New York income tax rate in 2026?
New York has rates from 3.9% to 10.9%, lowered for 2026, after an $8,000 standard deduction ($16,050 for a joint return, $11,200 for head of household). Each rate applies only to the income in its bracket.
What other deductions come out of a paycheck in New York?
Besides Social Security and Medicare, every paycheck in New York has New York Paid Family Leave at 0.432% of pay and New York disability benefits (DBL) at 0.5% of pay.
What are Social Security and Medicare taxes?
Together they are called FICA. In 2026 Social Security takes 6.2% of pay up to $184,500, and Medicare takes 1.45% of all pay, plus 0.9% on pay over $200,000. Your employer pays the same amount again.
Are there local income taxes in New York?
New York City residents pay city income tax of 3.078% to 3.876% on the same taxable income, less a school tax credit. Yonkers residents pay a surcharge of 16.75% of their New York State tax. Choose either in the calculator; the state pages and answer pages leave them out.
Sources
Official 2026 figures, checked .
- IRS Rev. Proc. 2025-32, 2026 tax rates and standard deduction, October 9, 2025
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods, December 2025
- IRS Publication 15 (2026), Employer's Tax Guide: Social Security, Medicare and Additional Medicare Tax, December 2025
- IRS, 401(k) limit increases to $24,500 for 2026, November 13, 2025
- SSA, 2026 Social Security wage base, October 24, 2025
- New York State Department of Taxation, IT-2105-I (2026): tax rate schedules and recapture worksheets, January 2026
- New York State Department of Taxation, NYS-50-T-NYS: 2026 withholding tables and methods, January 2026
- New York Department of Financial Services, 2026 Paid Family Leave rate decision, August 29, 2025
- New York Workers' Compensation Board, disability benefits for employers, January 1, 2026
- New York State Department of Taxation, IT-2105-I (2026): New York City rates, school tax credit and Yonkers surcharge, January 2026
- New York State Department of Taxation, NYS-50-T-NYC: 2026 New York City withholding tables, January 2026
- New York State Department of Taxation, NYS-50-T-Y: 2026 Yonkers withholding tables, January 2026