401(k) in NYC
The 2026 limit is $24,500. See what the full contribution saves in federal, NY State and NYC tax at four salary levels.
ReadNYC Deferred Comp (457b)
A separate limit from a 401(k), which means city employees can use both. Includes the early-withdrawal difference that makes the 457(b) more flexible.
ReadCommuter benefits
Pre-tax transit and parking up to $340 a month each. The one payroll benefit that also escapes Social Security and Medicare tax.
ReadCalculation methodology
The full order of operations, every assumption, and the sources behind each rate used on this site.
ReadAll four layers, in every guide
Each guide is computed with the same engine as the NYC paycheck calculator: federal brackets, New York State, the New York City resident tax and FICA. Every 2026 limit comes from the IRS Publication 15-B or the IRS cost-of-living release, not from an estimate.