New York Paycheck Calculator

New York State withholds income tax using the Publication NYS-50-T-NYS exact calculation method, with 2026 rates freshly reduced by state legislation. On top of state tax: New York City residents pay a separate city income tax (2.05%–4.25% withholding), Yonkers adds a 16.75% resident surcharge, and all employees fund Paid Family Leave (0.432% of wages, capped at $411.91 for 2026) plus the statutory $0.60/week disability insurance deduction.

Pay type

Annual salary

Pay frequency

State

Federal filing status (W-4 Step 1)

Multiple jobs or spouse works (W-4 Step 2 checkbox)Check if you hold more than one job or file jointly and your spouse also works.

New York IT-2104 allowances

NYC / Yonkers residency

W-4 Steps 3–4: dependents, other income, deductions

Dependents credit (Step 3, annual)

$2,000 per qualifying child under 17.

Other income (Step 4a, annual)

Deductions beyond standard (Step 4b, annual)

Extra withholding (Step 4c, per paycheck)

Benefits & deductions (per paycheck)

Traditional 401(k)

HSA contribution

Health FSA

Health insurance premiums

Post-tax deductions

Roth 401(k), garnishments, and other after-tax amounts.

Estimated take-home pay

$2,221per biweekly paycheck

$57,751 per year · 23.0% effective tax rate

Paycheck breakdown per pay period
Gross pay	$2,884.62
Federal income tax	−$295.00
Social Security	−$178.85
Medicare	−$41.83
New York state income tax	−$134.07
NY Paid Family Leave	−$12.46
NY Disability Benefits (DBL)	−$1.20
Take-home pay	$2,221.21

New York State withholding per Publication NYS-50-T-NYS (1/26) exact calculation (Method II) on annual tables, with Method III flat top rates. NYC resident tax per NYS-50-T-NYC (1/26); Yonkers per NYS-50-T-Y (1/26).
NYC and Yonkers local taxes apply only to residents (or Yonkers workers) and are not included.
Some employers cover the NY DBL deduction; if yours does, remove the $0.60/week line.

How New York taxes your paycheck in 2026

State withholding (2026): 3.9% – 11.7% (flat top rates above $1.08M)
NYC resident tax: 2.05% – 4.25% withholding, residents only
Yonkers: 16.75% resident surcharge / 0.5% nonresident
PFL (2026): 0.432% of wages, max $411.91/yr
DBL: 0.5% of wages, max $0.60/week

2026 New York withholding rate schedule (single, annual)

Rendered from the same data file the calculator computes with.

Taxable income	Rate
$0 – $8,500	3.9%
$8,500 – $11,700	4.4%
$11,700 – $13,900	5.15%
$13,900 – $80,650	5.4%
$80,650 – $96,800	5.9%
$96,800 – $107,650	7.03%
$107,650 – $157,650	7.53%
$157,650 – $215,400	6.4%
$215,400 – $265,400	11.44%
Over $265,400	7.35%

New York paycheck FAQs

Do I pay New York City tax if I work in NYC but live outside it?

No. Since 1999 the NYC personal income tax applies only to city residents. A New Jersey or Westchester commuter working in Manhattan pays New York State tax but not the city tax — residency, not work location, decides it.

What are the PFL and DBL lines on my New York pay stub?

Paid Family Leave (0.432% of gross wages in 2026, capped at $411.91/year) funds up to 12 weeks of paid leave; DBL is the state's original disability benefit, costing at most $0.60 per week. Both are employee-paid insurance premiums, though some employers absorb the DBL.

Did New York taxes change for 2026?

Yes — 2026 legislation cut rates in the lower brackets (the first bracket fell from 4.0% to 3.9%), and the state reissued its withholding tables effective January 1, 2026. This calculator uses the reissued NYS-50-T-NYS (1/26) tables.

Tax data verified 2026-07-19 against the official source. See our methodology.