01
Federal income tax
Seven progressive brackets from 10% to 37%, after the 2026 standard deduction.
Updated for tax year 2026
Know what actually lands in your account.
A clearer NYC paycheck estimate—from gross salary to take-home pay after federal, state, city, and payroll taxes.
Your details
Build your paycheck
$
Before taxes and payroll deductions.
per paycheck
$
Example: traditional 401(k), HSA, or eligible transit benefits.
Assumes a W-2 employee, full-year NYC residency, standard deductions, and no dependents or special credits.
Your estimated bi-weekly paycheck
$2,375.95
Monthly take-home
$5,147.90
Annual take-home
$61,775
Effective tax rate
27.3%
Paycheck breakdown
26× / year- Gross pay
- $3,269.23
- Pre-tax contribution
- $0.00
- Federal income tax
- −$379.62
- New York State
- −$153.58
- New York City
- −$109.99
- FICA
- −$250.10
Where your salary goes
72.7% kept
Take-home
Federal
NY State
NYC
FICA
Pre-tax
2026 assumptions
IRS, SSA & NY sources
Private by design
Nothing leaves your device
Free to use
No signup or email required
Your four tax layers
One paycheck. Four places it goes.
New Yorkers see more deductions on every pay stub than most workers. The calculator separates each payroll line—federal, state, city, and FICA—so you can compare a headline salary against the wage that actually lands, the same math your employer’s payroll system runs behind the scenes.
02
New York State
Progressive state rates are applied after New York's standard deduction.
03
New York City
NYC residents pay a local income tax ranging from 3.078% to 3.876%.
04
FICA payroll tax
Social Security, Medicare, and Additional Medicare Tax when applicable.
Salary snapshots
What common NYC salaries look like after tax.
Single filer, standard deductions, no pre-tax contributions, paid bi-weekly.
| Annual salary | Gross / check | Tax rate | Net / check | Annual take-home |
|---|---|---|---|---|
| $50,000 | $1,923.08 | 22.5% | $1,490.17 | $38,744 |
| $75,000 | $2,884.62 | 25.8% | $2,141.05 | $55,667 |
| $100,000 | $3,846.15 | 29.1% | $2,726.12 | $70,879 |
| $150,000 | $5,769.23 | 32.9% | $3,869.31 | $100,602 |
| $200,000 | $7,692.31 | 34.6% | $5,032.70 | $130,850 |
Methodology
Transparent math, current assumptions.
The estimate calculates annual liability first, then allocates it over your chosen pay schedule. That makes the math useful for comparing salaries while keeping every deduction visible.
1
Apply eligible pre-tax contributions to income-tax wages.
2
Subtract the 2026 federal and New York standard deductions.
3
Run taxable income through progressive federal, state, and city brackets.
4
Add Social Security, Medicare, and Additional Medicare Tax when applicable.
5
Subtract taxes and contributions from gross pay, then divide by pay periods.
Primary rate sources
Good to know
Questions, answered plainly.
Does New York City really have its own income tax?+−
Yes. Full-year residents of Manhattan, Brooklyn, Queens, the Bronx, and Staten Island generally pay NYC resident income tax, even if they work outside the city. Most nonresidents who commute into NYC do not pay the city resident tax.
Why is this different from the amount on my pay stub?+−
This tool estimates annual tax liability and spreads it across your selected pay periods. Actual employer withholding uses your W-4 and IT-2104 elections and can include dependents, credits, benefits, garnishments, multiple jobs, and employer-specific payroll timing.
Do pre-tax deductions reduce every tax?+−
Not always. Traditional 401(k) contributions generally reduce income taxes but still face Social Security and Medicare tax. Some benefits, such as eligible HSA or FSA deductions made through payroll, may also reduce FICA. This estimate takes the conservative approach and leaves FICA on gross wages.
Which 2026 updates are included?+−
The calculator includes the IRS 2026 federal brackets and standard deductions, the $184,500 Social Security wage base, New York's 2026 rate reduction for lower and middle brackets, and current NYC resident rates.
Can I use this to make a tax filing decision?+−
Use it for planning and job-offer comparisons, not as a return or professional tax opinion. It omits itemized deductions, dependents, most credits, bonuses, stock compensation, multiple jobs, and New York's high-income recapture calculations.
Is this the same as a payroll or pay stub calculator?+−
It works like one, but it isn't connected to any employer's payroll system. A real payroll run applies your actual W-4 and IT-2104 elections, benefit deductions, and pay-period timing, so the wage and tax lines on your pay stub won't match this estimate exactly. Use this tool to sanity-check a pay stub or model a new offer before payroll ever runs it.
What's the difference between net pay and take-home pay?+−
Nothing — they're the same number described two ways. Net pay, take-home pay, and salary take-home all mean gross wages minus federal, state, city, and FICA taxes and any pre-tax deductions. This calculator reports that figure per paycheck and per year.
Who runs NYC Paycheck Calculator?+−
The site is built and maintained by the NYC Paycheck Calculator Team, an independent editorial team that publishes free payroll-tax estimates for New Yorkers. It is not affiliated with the IRS, New York State, the NYC Department of Finance, or any payroll provider, and it is not a tax preparation firm.
New York paycheck calculator
New York City, or New York State without the city tax?
The difference between living in the five boroughs and living anywhere else in New York is one tax layer. Everything else, federal, New York State and FICA, is calculated the same way. Use the residency switch in the calculator above, or open the New York State calculator with the city layer already switched off.
New York City resident
Pays federal, New York State, New York City and FICA
The city resident rate runs from 3.078% to 3.876% of New York taxable income
New York State, outside NYC
Pays federal, New York State and FICA
Long Island, Westchester and upstate residents are in this group
Commuting from NJ or CT
New York taxes the New York wages you earn
No city resident tax, and your home state usually credits the New York tax
Go deeper
The guides behind the numbers.
Every figure in the calculator is explained somewhere on this site, and each guide cites the IRS, SSA, New York State or NYC source it depends on.
NYC income tax guide
The four taxes that come out of an NYC paycheck, with the 2026 brackets for each one.
ReadNYC salary guide
Take-home pay for salaries from $50,000 to $250,000, plus hourly rates and pay schedules.
ReadNYC DOE teacher salary guide
The UFT step-and-differential pay scale, and what a starting salary looks like after tax.
ReadNew York minimum wage guide
The 2026 rate in New York City, Long Island and Westchester, and what it means for take-home pay.
ReadNYC affordable housing guide
How income limits and AMI bands work, and why gross salary and take-home pay answer different questions.
ReadCalculation methodology
The full order of operations, every assumption, and the sources behind each rate.
ReadCalculator FAQ
Why an estimate differs from a pay stub, and what the calculator does not model.
ReadNYC paycheck blog
Longer explainers on salary, taxes, minimum wage and housing math in New York City.
ReadNew York State calculator
The same engine with the NYC resident tax switched off, for Long Island, Westchester, upstate and commuters.
ReadSalary library
Take-home pay for salaries from $40,000 to $300,000, with a full breakdown for each one.
ReadTools
A bonus tax calculator, a salary-needed calculator, and the reference tables behind them.
ReadUFT salary schedule
How the teacher pay scale works in 2026, and what each step is worth after tax.
ReadRent affordability
What income a landlord expects for rent from $1,500 to $6,000 a month.
ReadCost of living
Cost of living expressed as the salary each rent level actually requires after tax.
ReadNeighborhoods
HUD rent benchmarks for 16 neighbourhoods, with the income and take-home pay each one needs.
ReadNYC vs other cities
What the same salary keeps in seven cities with no state income tax on wages.
ReadBenefits guides
401(k), NYC Deferred Comp and commuter benefits, with the 2026 limits from the IRS.
ReadWho publishes this
Built and reviewed by the NYC Paycheck Calculator Team
NYC Paycheck Calculator is an independent site. It carries no advertising, no affiliate links and no signup, every rate is traceable to a primary IRS, SSA, New York State or NYC source, and the content was last reviewed on .
Found a wrong number?
Corrections go straight to the team and are checked against the primary source before anything changes.
contact@nycpaycheckcalculator.site