New York Paycheck Calculator
Estimate New York take-home pay fast. Enter salary or hourly details, contributions, deductions, and frequency to see instant results today.
New York Income Tax Rate
New York taxes wage income with progressive brackets. Employers begin with your gross pay, subtract eligible pre-tax benefits—traditional 401(k), Section 125 health premiums, HSA/FSA, and commuter plans—then compute federal withholding, FICA, and New York state withholding using IT-2104 elections and pay frequency. Supplemental wages (bonuses/commissions) may be withheld using percentage or aggregate methods aligned with federal rules. In addition, some localities (New York City and Yonkers) impose local income taxes that appear as separate lines on pay stubs. The table below shows the statewide top bracket for context; your effective rate is typically lower after deductions, credits, and pre-tax benefits reduce taxable income across the year.
| Year | Top Rate |
|---|---|
| 2016 | 8.82% |
| 2017 | 8.82% |
| 2018 | 8.82% |
| 2019 | 8.82% |
| 2020 | 8.82% |
| 2021 | 10.90% |
| 2022 | 10.90% |
| 2023 | 10.90% |
| 2024 | 10.90% |
| 2025 | 10.90% (scheduled) |
New York Median Household Income
New York’s median household income reflects a diverse economy: finance, media, tech, healthcare, education, logistics, and tourism. Pandemic-era volatility softened growth temporarily, followed by nominal gains as labor markets tightened across New York City, Long Island, the Hudson Valley, Capital Region, and Western New York. The figures below are nominal, directional benchmarks—useful for budgeting and offer comparisons. For purchasing power, consider “real” (inflation-adjusted) dollars and wide regional cost differences—housing, transportation, childcare, and insurance vary by county and metro. Household size and employer benefits (health coverage, retirement match, transit benefits) meaningfully influence take-home value statewide.
| Year | Income |
|---|---|
| 2016 | $67,900 |
| 2017 | $70,000 |
| 2018 | $72,100 |
| 2019 | $72,900 |
| 2020 | $71,900 |
| 2021 | $75,200 |
| 2022 | $77,800 |
| 2023 | $80,200 |
| 2024 | $82,000 |
| 2025 | $83,400 (prelim.) |
New York Federal Insurance Contributions Act (FICA)
FICA funds Social Security and Medicare and applies uniformly in New York. Employees pay 6.2% Social Security up to the federal wage base (employer matched) and 1.45% Medicare on all wages (also matched). High earners owe an additional 0.9% Medicare surtax above federal thresholds; employers don’t match the surtax. Traditional 401(k) lowers income-tax wages but not FICA; Section 125 health premiums typically reduce both income-tax and FICA wages. New York pay stubs often include state payroll insurance items such as Paid Family Leave (PFL) as a separate employee deduction, distinct from FICA and state income tax.
New York Number of Cities with Local Income Taxes
New York City and Yonkers levy local income taxes in addition to state tax. NYC taxes residents only; Yonkers imposes a resident surcharge and a nonresident earnings tax for work performed in the city.
| Locality | Resident Rate | Nonresident Rate |
|---|---|---|
| New York City | ≈3.1%–3.9% (bracketed) | None |
| Yonkers | Surcharge on NYS tax | ≈0.50% earnings tax |
How Your New York Paycheck Works
Your pay starts with gross wages. Payroll subtracts pre-tax benefits—traditional 401(k), HSA/FSA, Section 125 health premiums, and commuter benefits— to reach taxable wages. Withholding then includes federal income tax (W-4), FICA (Social Security and Medicare), New York state income tax (IT-2104), and, if applicable, New York City or Yonkers local tax. State PFL may also appear as a separate line. Post-tax deductions—Roth 401(k), garnishments, union dues, charitable gifts—come out after taxes and don’t reduce taxable wages. Pay frequency (weekly, biweekly, semimonthly, monthly) changes cash-flow timing but not annual tax owed; review stubs after life events or benefit changes to stay aligned.
New York Wage and Hour Laws: Overtime, Pay Frequency
Overtime: New York follows FLSA—most non-exempt employees earn 1.5× their regular rate for hours worked over
40 in a workweek; exemptions apply where duties and salary thresholds are met.
Pay frequency: Employers must set regular paydays and pay on consistent intervals; many pay biweekly or semimonthly. State rules also
require timely final pay and itemized statements—confirm details with employer policy and any agreements.
FAQs
How do I use the New York Paycheck Calculator?
Enter gross pay, schedule, W-4/IT-2104 details, pre-tax benefits, and deductions to estimate federal, FICA, state, and any local withholding.
Does New York City tax nonresidents?
No. NYC local income tax applies to residents only; nonresidents are not subject to NYC resident tax.
What is the top New York state income tax rate?
The top bracket has been 10.90% in recent years; most workers pay a lower effective rate.
How does Yonkers tax work?
Yonkers imposes a resident surcharge and a nonresident earnings tax on wages earned in Yonkers.
Why is there a Paid Family Leave line on my stub?
New York PFL is an employee payroll deduction separate from FICA and state income tax.
Do 401(k) and HSA contributions reduce New York taxes?
They lower income-tax wages and increase net pay; 401(k) doesn’t reduce FICA, many health premiums do.
How are bonuses withheld in New York?
Employers may use federal percentage or aggregate methods; state and local taxes apply per current tables.
Are tips taxable in New York?
Yes. Reported tips are subject to federal income tax, FICA, and New York state/local taxes where applicable.
What shows on a typical New York pay stub?
Federal tax, Social Security, Medicare, NY state tax, PFL, local tax (if applicable), deductions, YTD totals, net pay.
How often must I be paid in New York?
Employers must maintain regular, published paydays; biweekly and semimonthly are common, with additional rules by occupation.
Do remote workers owe New York tax?
Residents owe tax on all income; nonresidents owe on NY-sourced wages. Special rules may apply to telework.
Which benefits can reduce FICA?
Section 125 health premiums typically reduce FICA; traditional 401(k) does not. HSA via cafeteria plan can reduce FICA, too.