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): NY state withholding (Form IT-2104 elections), plus NYC and/or Yonkers tax if resident (and Yonkers non-resident tax when applicable). Employee Paid Family Leave contribution may apply.
• Employer: NY SUTA; FUTA; workers’ compensation; DBL; Paid Sick Leave compliance; posting/record-keeping obligations.
• Pretax deductions: May reduce federal, state and local taxable wages and, when eligible, FICA-taxable wages.

How Your New York Paycheck Works

Your net pay equals gross wages (regular, overtime, tips, differentials, bonuses) minus pretax deductions; then minus FICA, federal income tax, New York State withholding, and any applicable NYC/Yonkers local 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 status (NYC/Yonkers vs other), pretax/post-tax deductions.
• Outputs: Breakdown of FICA, federal withholding, NYS withholding, NYC/Yonkers tax (if applicable), program contributions, deductions and net pay.
• Supplemental wages: Compare flat vs. aggregate federal methods for bonuses/commissions; state and local rules still apply.

New York Income Unemployment Tax Rate — Employer SUTA

Replace placeholders with official data before publishing; current preliminary figures for 2025:

New York Salary Threshold

New York follows the federal Fair Labor Standards Act (FLSA) and has state/region-specific rules. Exempt status requires meeting the duties test and the applicable salary-basis threshold (which may differ for NYC, down-state suburbs, and the rest of the state). Job titles alone do not confer exemption. Confirm minimum wage by region, tip-credit/spread-of-hours schedules and local scheduling/leave 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.

FICA (Federal Insurance Contributions Act) in New York

FICA is federal and applies in New York: employees pay Social Security and Medicare; employers match both. The Additional Medicare tax (0.9 %) applies above the federal threshold; there is no employer match for the additional portion. Eligible pretax benefits (such as Section 125 health premiums) can reduce FICA-taxable wages depending on plan rules.

Number of Cities That Have Local Income Taxes

50-word summary: In New York, only two municipalities impose employee wage taxes: New York City and Yonkers. NYC residents pay a resident tax; Yonkers residents pay a resident tax and certain nonresidents working in Yonkers may owe a nonresident tax. Other NY municipalities generally have no payroll withholding on wages. Always confirm residency and worksite before estimating net pay.

New York Local Wage/Income Tax Table

New York Wage & Hour Laws: Overtime, Pay Frequency

• Overtime: Most non-exempt workers earn 1.5× the regular rate after 40 hours/week (FLSA baseline). New York has additional hospitality/tipped rules and “spread-of-hours” pay in some situations.
• Pay frequency: Manual workers are generally paid weekly; other employee categories may be semimonthly or biweekly under the law, but must receive an itemized wage statement.
• Minimum wage/regions: Minimum wage rates vary by region (NYC, Nassau/Suffolk, Westchester, rest of state). Confirm applicable rate and tip-credit/spread-of-hours rules.
• Leave: State paid sick leave applies; local scheduling/leave ordinances (especially NYC) may add requirements.

Additional New York Forms

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

FAQs about the New York Hourly Paycheck Calculator

How do I use the New York Hourly Paycheck Calculator?

Enter your hourly rate, hours worked (including overtime), tips, pay frequency, filing status, dependents/credits, residence (NYC/Yonkers or not), and any pretax/post-tax deductions. The calculator then applies FICA, federal withholding, NYS and – if applicable – NYC/Yonkers withholding to project your take-home pay.

Why does my New York paycheck include a city tax?

Residents of NYC pay a city resident tax; in Yonkers both resident and certain nonresident workers face a tax. If you live in these jurisdictions, your employer must withhold the correct local tax. Otherwise, you may not see a city tax line.

Which form controls my New York state withholding?

Your state withholding elections use Form IT-2104 (alongside IRS W-4 for federal). Keep dependents/credits updated and be sure the form matches your residency status (NYC/Yonkers) for accurate withholding.

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

Enter overtime at 1.5× your regular rate when eligible; include shift differentials and reported tips; enter bonuses/commissions as supplemental wages so the calculator correctly applies federal, state and any local withholding rules.

Why did my New York paycheck change this period?

Common causes: hours/tips changed, overtime or bonus entry, updated W-4/IT-2104 elections, residency change (e.g., moved into or out of NYC/Yonkers), benefit elections changed, or annual updates to tax-tables or region wage bases.

Does the calculator work for nonresidents working in New York?

Yes. NY state withholding generally applies to NY-sourced wages of nonresidents; Yonkers nonresident tax may also apply to work in Yonkers. Be sure to consider your home state filing rules and possible credits.

Can pretax benefits increase my take-home pay?

Yes. Contributions to 401(k)/403(b)/457(b), HSA, FSA, commuter/transit benefits, and Section 125 insurance premiums reduce taxable wages and typically lower income tax and, if eligible, FICA-taxable wages—thus improving net pay.

How are tips treated in New York paycheck calculations?

Reported tips are taxable for federal income tax, FICA (Social Security and Medicare) and New York State income tax (and NYC/Yonkers tax if applicable). Be sure to include both cash and charged tips so withholding is accurate and tip-credit rules are met.

How do multiple jobs affect my withholding?

Use the IRS multiple-jobs guidance for your W-4, and ensure your IT-2104 reflects your combined income situation. Model each job separately, especially if one is subject to NYC or Yonkers taxes and another is not, to avoid under-withholding.

What is Additional Medicare tax and when does it apply?

After your wages exceed the federal threshold, your employer must withhold Additional Medicare tax (0.9 %) on the excess wages. There is no employer match for this portion; it appears alongside regular Medicare on your stub.

Are bonuses and commissions taxed differently?

Yes—they’re considered supplemental wages. Employers may use a federal flat supplemental rate or aggregate with regular wages; NY state and any applicable NYC/Yonkers withholding still apply. You can enter the amount separately in the calculator to compare withholding effects.

Can the calculator project annual take-home from my hourly rate?

Yes. Multiply your typical weekly hours by 52, add your expected overtime, tips and/or bonuses, then run the estimate with your pay frequency and deductions to get an approximate annual net. Note: hours, benefits, region changes (NYC vs. rest of state) may cause variation.

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

“Why is there a NYC tax line on my stub?” “What will I take home in NYC vs Long Island?” “How to fill IT-2104?” “Do commuter/HSA/401(k) contributions raise my net?” “How to model a bonus in NY?”

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

“My NYC net seems low—is my IT-2104 set correctly?” “Overtime vs second job—what nets more after NYC tax?” “Best pretax benefit combo to boost take-home?” “Flat vs aggregate bonus withholding—what’s better?” “Weekly vs biweekly pay differences in NY?”

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

“How to estimate take-home before accepting a job in Manhattan or Yonkers?” “Gross vs taxable vs net in NY?” “How do the W-4 and IT-2104 interact?” “Tips/commissions—how do they affect NYS and NYC taxes?”