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New York Paycheck Calculator 2026

Updated 2026-08-21 · 2026 federal brackets and wage base

Take-home pay (every 2 weeks)

$1,836.42

$47,747 per year · effective tax rate 20.4%

  • Take home · 80%
  • Federal · 8%
  • FICA · 8%
  • State · 4%
Gross pay
$2,307.69
Federal income tax
−$193.08
Social Security
−$143.08
Medicare
−$33.46
New York income tax
−$101.65
Take home
$1,836.42

New York tax rates for 2026

The rules this calculator uses. Every figure comes from the sources listed at the bottom of this page.

State standard deduction $8,000 single · $16,050 joint
Where you live varies by area in 1 areas, none elsewhere
Social Security 6.2% on the first $184,500 you earn
Medicare 1.45%, plus 0.9% on pay above $200,000
New York tax bands, single filer, 2026
Taxable income Rate
$0 to $8,500 3.9%
$8,500 to $11,700 4.4%
$11,700 to $13,900 5.15%
$13,900 to $80,650 5.4%
$80,650 to $215,400 5.9%
$215,400 to $1,077,550 6.85%
$1,077,550 to $5,000,000 9.65%
$5,000,000 to $25,000,000 10.3%
$25,000,000 and above 10.9%

How the math works on a $60,000 salary in New York

Here is every step, in order, for a single filer paid every two weeks with no 401(k) or HSA money going in. Change any input in the calculator above and these numbers change with it.

  1. 1

    Start with your gross pay: $60,000 a year

    That is your salary before anything is taken out.

  2. 2

    Take off the federal standard deduction: $16,100

    That leaves $43,900. This is the part the federal government taxes. Everyone filing as single gets this deduction in 2026.

  3. 3

    Federal income tax: $5,020

    The 2026 federal rates are applied in bands. Your first dollars are taxed at 10%, and only the dollars above each line are taxed at the higher rate.

  4. 4

    Social Security and Medicare: $4,590

    Social Security takes $3,720 and Medicare takes $870. Together these are called FICA. They come out of your full pay, not the reduced amount.

  5. 5

    New York state income tax: $2,643

    New York works out your state taxable income using its own rules, then applies the rates in the table above.

  6. 6

    What you keep: $47,747 a year

    That works out to $1,836 in each paycheck if you are paid every two weeks. Your total tax rate is 20.4% of your pay.

New York take-home pay table 2026

Single filer, paid biweekly, no pre-tax deductions. Computed with the same engine as the calculator.

Salary Federal tax FICA State tax Take-home / year Per paycheck Eff. rate
$40,000 $2,620 $3,060 $1,563 $32,757 $1,260 18.1%
$50,000 $3,820 $3,825 $2,103 $40,252 $1,548 19.5%
$60,000 $5,020 $4,590 $2,643 $47,747 $1,836 20.4%
$75,000 $7,670 $5,738 $3,453 $58,140 $2,236 22.5%
$100,000 $13,170 $7,650 $4,860 $74,320 $2,858 25.7%
$125,000 $18,734 $9,563 $6,532 $90,172 $3,468 27.9%
$150,000 $24,734 $11,475 $8,291 $105,500 $4,058 29.7%
$200,000 $36,734 $14,339 $11,328 $137,599 $5,292 31.2%

This free New York paycheck calculator shows your 2026 take-home pay. It covers federal income tax, New York State tax, Social Security and Medicare. New York uses nine tax brackets. They start at 3.9% and reach 10.9% at the top.

Only two places in New York State tax your wages. Those are New York City and Yonkers. No county, town or village charges an income tax. The calculator starts outside both of them, so it shows state tax on its own. Pick New York City in the fields above if you live in the five boroughs.

How New York taxes your paycheck in 2026

New York uses nine tax brackets in 2026. A bracket is a slice of your income taxed at one rate. The five lowest rates fell this year. A law signed in 2025 cut each one by a tenth of a point. 4.0% became 3.9%. 4.5% became 4.4%. 5.25% became 5.15%. 5.5% became 5.4%. And 6.0% became 5.9%. The same cut is scheduled again for 2027. It is a real cut, but a small one. A middle earner saves tens of dollars a year, not hundreds.

New York gives you a standard deduction. That is income the state does not tax at all. It is $8,000 if you are single. It is $16,050 for a married couple filing together. Head of household filers get $11,200. New York gives you no personal exemption for yourself or a spouse. It only gives $1,000 for each dependent. That surprises people moving from states that hand you one. The calculator has no dependents field, so it leaves the $1,000 out.

The state does not adjust its bracket thresholds for inflation. Those lines have not moved since 2021. Your pay goes up with raises, but the brackets stand still. So each year a bit more of your income lands in the next band up. That quiet drift can cancel out a tenth of a point rate cut.

The benefit recapture above $107,650

New York has a rule called the benefit recapture. Lower brackets save you money on your first dollars. This rule takes that saving back from higher earners. It starts once your New York income passes $107,650. Below that line nothing happens. You pay the ordinary bracket rates.

Above $107,650 the recapture phases in as your income rises. Step by step the state claws back the value of those lower rates. By the end of the phase-in you pay the top rate you reached on all of your income. Not just on the slice inside that top bracket.

The effect is a stretch of income taxed at a steep marginal rate. A raise just past that line can cost more state tax than you expect. This calculator models the recapture, so the number above already includes it.

New York City and Yonkers: the only two local taxes

New York City income tax applies to city residents only. Rates run from about 3.078% to 3.876%. A commuter tax once reached people who worked in the city and lived outside it. It was repealed in 1999.

City tax follows where you sleep, not where you work. Say you live in Westchester, on Long Island or in New Jersey. Say you commute to a job in Manhattan. You pay New York State tax on those wages. You pay zero New York City income tax. A city resident earning $100,000 pays $3,441 in New York City income tax on top of state tax.

Yonkers is the second place, and it works its own way. A Yonkers resident pays a surcharge of 16.75% of their New York State tax bill. It is a slice of the tax, not a rate on income. So when the state cut its rates for 2026, the Yonkers bill quietly fell too. People who only work in Yonkers pay a 0.5% earnings tax instead. This calculator does not include Yonkers. If you live there, add roughly 16.75% of the state tax shown.

What this calculator leaves out

The New York City school tax credit is not included here. It can cut a city resident's tax bill by a few hundred dollars. So the city figure you see is the amount before that credit.

The MCTMT is left out too. Those letters stand for the Metropolitan Commuter Transportation Mobility Tax. It helps pay for the MTA. It is charged to employers and to self-employed people. It is never withheld from an employee paycheck. If you draw a salary, you will not see it.

Two small payroll items are also missing. New York Paid Family Leave takes a small percentage of your wages, up to a yearly cap. The state disability contribution is capped at 60 cents a week. Some employers pay that one in full.

New York paycheck FAQ

How much is $60,000 after taxes in New York?
Take a single filer with no pre-tax money. That worker keeps about $47,747 a year, $1,836 per biweekly paycheck, 20.4% total tax rate. The figure is for someone living outside New York City and Yonkers, which is the calculator's default.
How much is $100,000 after taxes in New York?
Take a single filer with no pre-tax money. That worker keeps about $74,320 a year, $2,858 per biweekly paycheck, 25.7% total tax rate. The figure is for someone living outside New York City and Yonkers, the calculator's default. A New York City resident on $100,000 pays $3,441 in city income tax on top of state tax.
What is New York's income tax rate in 2026?
New York has nine brackets for 2026. They start at 3.9% and top out at 10.9%. Above $107,650 the benefit recapture rule can lift your effective rate higher.
Did New York cut its income tax for 2026?
Yes, and the cut was small. A law signed in 2025 lowered the five lowest rates by one tenth of a point each. 4.0% became 3.9%, and 6.0% became 5.9%. The same size cut is scheduled again for 2027.
Do I pay New York City tax if I work in the city but live outside it?
No. New York City income tax applies to city residents only. The commuter tax was repealed in 1999. Live in Westchester or in New Jersey and work in Manhattan? You pay New York State tax on those wages and zero city tax.
Why does my New York tax creep up when rates go down?
New York does not adjust its bracket thresholds for inflation. Those lines have not moved since 2021. Each raise pushes a bit more of your pay into the next band. That drift can outweigh a tenth of a point rate cut.
Does this calculator include Yonkers tax?
No. A Yonkers resident pays a surcharge of 16.75% of their New York State tax bill. Add roughly 16.75% of the state tax shown here yourself. People who only work in Yonkers pay a 0.5% earnings tax instead.

Sources

All sources accessed and figures verified August 2026.

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