New York Hourly Paycheck Calculator

New York payroll taxes

A typical New York paycheck includes federal income tax, Social Security, Medicare, New York State income tax and, where applicable, local city taxes (New York City or Yonkers). Employees may also see payroll deductions for state programs such as Paid Family Leave (PFL). Employers fund New York unemployment insurance (SUTA), FUTA, workers’ compensation, and disability benefits insurance (DBL). Pretax benefits—401(k)/403(b)/457(b), HSA, FSA, commuter/transit, and Section 125 insurance premiums—can reduce taxable wages when plan-eligible.

• Employee (federal): Income tax (IRS W-4), Social Security, Medicare, and Additional Medicare for high earners.
• Employee (state/local): NYS withholding (IT-2104 elections), plus NYC/Yonkers tax if resident (and Yonkers nonresident tax when applicable). PFL employee contribution may apply.
• Employer: NY SUTA; FUTA; workers’ comp; DBL; Paid Sick Leave compliance; postings/recordkeeping.
• Pretax deductions: May lower federal/state/local taxable wages and, when eligible, FICA.

How Your New York Paycheck Works

Your net equals gross hourly wages (regular, overtime, tips, differentials, bonuses) minus pretax deductions; then minus FICA, federal income tax, New York State withholding, and any applicable NYC/Yonkers taxes and employee program contributions (e.g., PFL). The calculator itemizes hours, rates, taxable wages, all withholdings, deductions, and final take-home.

• Inputs: Hourly rate, hours, overtime, tips, pay frequency, filing status, dependents/credits, residency, deductions.
• Outputs: Line-by-line FICA, federal, NYS, NYC/Yonkers (if applicable), program contributions, deductions, and estimated net pay.
• Supplemental pay: Model flat vs. aggregate federal methods for bonuses/commissions; compare effect on NYS/NYC/Yonkers withholding.

New York Income unemployment tax rate — 10 Years (Employer SUTA)

Replace placeholders with official New York State Department of Labor figures (taxable wage base, experience-rated range, and new-employer rate) before publishing.

New York salary threshold

New York follows FLSA and state/region-specific rules. Exempt status requires passing the duties tests and meeting the applicable salary-basis threshold, which can differ for NYC, downstate suburbs, and the rest of the state. Job titles alone do not confer exemption. Confirm regional minimum wage, tip credit, spread-of-hours, and scheduling rules when classifying roles and calculating overtime.

Median Household Income: New York — 10 Years

Insert the latest U.S. Census/ACS one-year (or five-year) estimates for New York before publishing.

New York Federal Insurance Contributions Act (FICA)

FICA is federal and applies in New York: employees pay Social Security and Medicare; employers match both. Above a federal threshold, Additional Medicare tax is withheld from employees (no employer match). Eligible pretax benefits (e.g., Section 125 health premiums) can reduce FICA-taxable wages depending on plan rules.

Number of cities that have local income taxes

50-word description: In New York, two municipalities impose local wage/income taxes on employees: New York City and Yonkers. NYC residents pay a resident tax; Yonkers residents pay a resident tax and certain nonresidents working in Yonkers owe a nonresident tax. Other NY cities generally have no employee wage tax. Always confirm residency and worksite.

New York local wage/income tax table (verify current rates before use)

New York Wage and Hour Laws: Overtime, Pay Frequency

• Overtime: Most non-exempt workers earn 1.5× the regular rate after 40 hours/week (FLSA baseline). NY has additional hospitality/tipped rules and “spread-of-hours” pay in some situations.
• Pay frequency: Manual workers are generally paid weekly; other categories can be semimonthly/biweekly as permitted. Itemized wage statements required.
• Minimum wage/regions: Rates vary by region (NYC, downstate suburbs, rest of state). Confirm applicable rate and tip credit rules.
• Leave: State paid sick leave; local scheduling/leave ordinances may add requirements (e.g., NYC).

Additional New York forms

• IRS Form W-4 (federal withholding elections).
• New York Form IT-2104 (Employee’s Withholding Allowance Certificate).
• Form I-9 employment eligibility verification; NY new-hire reporting.
• Direct deposit authorization; benefits enrollment (401(k), HSA, FSA, transit, insurance).
• Employer registrations for NY unemployment and disability benefits insurance; required posters.

FAQs about the New York Hourly Paycheck Calculator

How do I use the New York Hourly Paycheck Calculator?

Enter hourly rate, hours, overtime, tips, pay frequency, filing status, dependents/credits, residency (NYC/Yonkers or not), and pretax/post-tax deductions. The calculator applies FICA, federal, NYS, and—if applicable—NYC/Yonkers withholding to produce a line-by-line estimate of take-home pay.

Why does my New York paycheck include a city tax?

NYC residents owe a city resident tax; Yonkers has resident and nonresident taxes. If you live/work in those jurisdictions, your employer must withhold the appropriate amount.

Which form controls my New York state withholding?

Form IT-2104 controls NYS (and local) withholding elections, alongside your IRS W-4 for federal. Update after life changes and align settings with the calculator for accuracy.

How should I enter overtime, shift differentials, tips, and bonuses?

Input overtime at 1.5× when eligible; add shift differentials and reported tips; enter bonuses as supplemental wages so federal/NYS/NYC/Yonkers rules calculate correctly.

Why did my New York paycheck change this period?

Common reasons: variable hours/tips, overtime/bonus (supplemental method), updated W-4/IT-2104 elections, benefit changes, new residency status (e.g., moved into NYC), or annual tax-table updates.

Does the calculator work for nonresidents working in New York?

Yes. NYS withholding generally applies to NY-sourced wages for nonresidents; Yonkers nonresident tax may apply to work in Yonkers. Your home state may offer credits—verify filing rules.

Can pretax benefits increase my take-home?

Yes. 401(k)/403(b)/457(b), HSA, FSA, transit, and Section 125 premiums can reduce taxable wages and lower income tax and, when eligible, FICA—often improving net pay.

How are tips treated in New York paycheck calculations?

Reported tips are taxable for federal, FICA, and NYS (and NYC/Yonkers when applicable). Include all tips to ensure correct withholding and compliance with tip-credit rules.

How do multiple jobs affect my withholding?

Use IRS multiple-jobs instructions and ensure IT-2104 reflects your situation. Model each job separately, especially if only one is subject to NYC or Yonkers taxes.

What is Additional Medicare tax and when does it apply?

After wages exceed the federal threshold, employers must withhold Additional Medicare on the excess. There’s no employer match; it appears beside regular Medicare on your stub.

Are bonuses and commissions taxed differently?

They’re supplemental wages. Employers may use a flat federal supplemental rate or aggregate with regular wages; NYS and any applicable NYC/Yonkers withholding still apply.

What do people ask on Google about the New York Hourly Paycheck Calculator?

“Why is NYC tax on my stub?” “How much will I take home in NYC vs. Long Island?” “How to fill IT-2104?” “Do transit/HSA/401(k) increase net?” “How to model a bonus?”

What do Reddit users commonly discuss about New York paycheck estimates?

“My NYC net seems low—is my IT-2104 correct?” “Overtime vs. second job—what nets more after NYC tax?” “Best pretax mix to raise net?” “Flat vs. aggregate bonus withholding?”

What do people ask on Quora regarding New York hourly pay calculators?

“Estimate take-home before accepting a job in Manhattan or Yonkers?” “Gross vs. taxable vs. net?” “How W-4 and IT-2104 interact?” “How do tips/commissions affect NYS and NYC taxes?”