New York Paycheck Calculator 2026
Estimate your 2026 take-home pay in New York from your salary. It adds New York State income tax, SDI and Paid Family Leave to the federal lines, with every rate shown and editable.
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About the New York Paycheck Calculator
The New York Paycheck Calculator estimates what is left of a salary earned in New York in the 2026 tax year, after federal income tax, Social Security, Medicare and New York State income tax, SDI and Paid Family Leave. Enter your gross salary per year, month, 4 weeks, 2 weeks or week, choose your filing status and, if you save into a traditional 401(k), the share of pay you defer. The result shows net pay per year, per month and per pay period, the total deductions and their share of your gross pay, and a line-by-line breakdown. Every line names its scope ("United States · federal" or "New York"), the 2026 tax year and the rate it charges.
This page opens with New York already chosen. The same calculator covers the other states with confirmed 2026 values on the main Net Salary Calculator and the federal Paycheck Calculator.
What comes off a New York paycheck
Federal lines
Federal income tax uses the 2026 rate schedule from IRS Rev. Proc. 2025-32 on your wages minus the 401(k) and the standard deduction (16,100 single, 32,200 married filing jointly, 24,150 head of household). Social Security is 6.2% of wages up to 184,500, Medicare 1.45% of all wages, and Additional Medicare 0.9% of wages above 200,000 (250,000 for married filing jointly).
New York lines
New York adds three lines. The state income tax uses the 2026 IT-2105-I schedules on New York AGI (gross minus the 401(k)) less the standard deduction of 8,000 single, 16,050 married filing jointly or 11,200 head of household. Above a New York AGI of 107,650 the recapture worksheets phase out the lower bands, and above 25,000,000 the whole income is taxed at 10.9%.
- Income tax: nine bands from 3.9% to 10.9%
- SDI: 0.5% of wages, at most 31.20 a year (0.60 a week)
- Paid Family Leave: 0.432% of wages, at most 411.91 a year
Your 401(k)
A traditional 401(k) contribution lowers federal and New York taxable income. It does not lower Social Security, Medicare, SDI or Paid Family Leave, which are charged on gross wages.
Worked example
60,000 a year, single
New York taxable income is 60,000 − 8,000 = 52,000. The tax is 586 + 5.4% of 38,100 = 2,643.40. SDI is capped at 31.20 and Paid Family Leave is 0.432% × 60,000 = 259.20. With federal income tax of 5,020.00, Social Security 3,720.00 and Medicare 870.00, net pay is 47,456.20 a year. At 130,000 the recapture worksheet raises the state tax to 6,884.26, and at 170,000 the whole 162,000 of taxable income is taxed at 5.9%: 9,558.00.
What the estimate leaves out
New York City and Yonkers income taxes are not included, nor is the MCTMT for the self-employed, so a resident of either city pays more than shown. The estimate also leaves out credits such as the child tax credit and the earned income credit, itemised deductions, bonuses and supplemental-wage withholding, and the 2025 law's deductions for tips, overtime, seniors and car-loan interest. Married filing jointly assumes one earner. The page works out the 2026 annual liability, not the amount your employer withholds from each paycheck under Publication 15-T, so a payslip can differ by a little each period.
Edit and reset the rates
Every rate sits in the Tax rates panel as a field, with its scope, the tax year and its default beside it. Thresholds, wage bases and allowances show as read-only text. Change a rate and the result updates at once, with an "Edited" marker on the field; Reset to 2026 defaults puts every rate back. Changing the state also restores the defaults. To see what your gross pay is before any tax, use the Gross Pay Calculator.
Official sources
The rules are checked against these pages; the header of the calculator shows the month they were last checked.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. Your salary and the rates you enter are not stored or sent anywhere.
Frequently asked questions
What comes off a paycheck in New York?
Federal income tax, Social Security (6.2% up to 184,500) and Medicare (1.45%, plus 0.9% above 200,000). New York adds state income tax (3.9% to 10.9%, with recapture above an AGI of 107,650), SDI of 0.5% up to 31.20 a year and Paid Family Leave of 0.432% up to 411.91.
Does a 401(k) lower New York taxes?
Yes. A 401(k) lowers New York AGI and so the state income tax, but not SDI or Paid Family Leave, which are charged on gross wages.
Are local taxes in New York included?
No. New York City and Yonkers income taxes are not included, so people who live in either city pay more than the result shows.
What is take-home pay on 60,000 in New York?
For a single filer: New York income tax 2,643.40, SDI 31.20 and Paid Family Leave 259.20 on top of the federal lines, so 47,456.20 a year.
Can I change the New York rates?
Yes. Every federal and New York rate is a field in the Tax rates panel with its 2026 default beside it. Edit any of them to see the effect, and press Reset to 2026 defaults to restore them all.