This New York payroll calculator estimates 2026 take-home pay using New York State’s graduated income tax (4% to 10.9%), the 2026 federal brackets, and the 7.65% FICA tax. New York City residents can add the NYC local income tax (about 3.08% to 3.876%), which the calculator includes as an option. Enter a salary or hourly rate to see net pay per paycheck and per year with a full deduction breakdown.
New York layers state income tax on top of federal tax and FICA. The calculator subtracts the NY standard deduction ($8,000 single / $16,050 joint), applies the 4%–10.9% graduated brackets, and — for NYC residents — adds the New York City resident income tax (roughly 3.078% to 3.876%). Westchester, Rockland and other MTA-region wages also carry a small employer-paid MTA payroll tax (MCTMT), which is not withheld from employees.
| Taxable income (single) | Marginal rate |
|---|---|
| $0 – $8,500 | 4.0% |
| $8,500 – $11,700 | 4.5% |
| $11,700 – $13,900 | 5.25% |
| $13,900 – $80,650 | 5.85% |
| $80,650 – $215,400 | 6.25% |
| $215,400 – $1,077,550 | 6.85% |
| $1,077,550+ | 9.65% – 10.9% |
A single New Yorker (outside NYC) on $80,000 pays about $8,770 federal tax, $6,120 FICA, and roughly $4,000 NY state tax, netting about $61,110 a year. A New York City resident on the same salary adds about $2,666 in NYC tax, dropping net pay to roughly $58,450. NYC is one of the few U.S. cities with a resident income tax, which is why local status matters so much for a New York paycheck.
NYC residents pay a separate city income tax of about 3.078% on the first $12,000 of taxable income, rising to 3.876% above $50,000. It is withheld alongside state tax and only applies to residents of the five boroughs — not to commuters who live in New Jersey, Connecticut, or Long Island. Toggle “New York City resident” in the calculator to include it.
New York uses nine graduated brackets from 4% to 10.9% in 2026. Most middle-income workers fall in the 5.85% to 6.25% range after the state standard deduction of $8,000 (single) or $16,050 (joint).
Only if you are a resident of one of the five New York City boroughs. NYC resident income tax runs about 3.078% to 3.876% and is withheld in addition to state tax. Commuters who live outside the city do not pay it.
About $61,110 a year for a single filer outside NYC, or roughly $58,450 for a New York City resident after the city income tax, on top of federal tax and FICA.
The New York State standard deduction is about $8,000 for single filers and $16,050 for married couples filing jointly, applied before the state brackets.
New York has a small employee-paid State Disability (DBL) and Paid Family Leave deduction, capped at a low annual amount. It is far smaller than California SDI and is not the main driver of your New York paycheck.