How to Calculate Your New York Take-Home Pay
- Start with your gross annual salary.
- Subtract the 2026 federal standard deduction ($16,100 single), apply the 2026 federal brackets (10%-37%).
- Subtract FICA: 6.2% Social Security (up to $184,500) + 1.45% Medicare (+0.9% above $200,000).
- Subtract New York's $8,000 standard deduction from gross wages, then apply the 9-bracket state schedule (4%-10.9%) marginally.
- Subtract New York Paid Family Leave (0.432% of wages, capped at $411.91/year in 2026) — a mandatory payroll deduction, not income tax.
- What's left is your net take-home pay before any New York City or Yonkers resident tax.
Example: $65,000/year gross salary, single filer, New York State resident (outside NYC).
- Federal tax: $5,620
- FICA: $65,000 × 7.65% = $4,972.50
- NY taxable income: $65,000 - $8,000 = $57,000 → marginal NY tax ≈ $2,904.35
- NY PFL: $65,000 × 0.432% = $280.80
- Net annual pay: $65,000 - $5,620 - $4,972.50 - $2,904.35 - $280.80 = $51,222.35 (≈$4,268.53/month, before NYC/Yonkers tax)
How New York Paycheck Tax Is Calculated (2026)
Source: New York State Department of Taxation and Finance| Taxable income bracket | Rate |
|---|---|
| $0 – $17,150 | 4% |
| $17,150 – $23,600 | 4.50% |
| $23,600 – $27,900 | 5.25% |
| $27,900 – $161,550 | 5.85% |
| $161,550 – $323,200 | 6.25% |
| $323,200 – $2,155,350 | 6.85% |
| $2,155,350 – $5,000,000 | 9.65% |
| $5,000,000 – $25,000,000 | 10.30% |
| $25,000,000 – + | 10.90% |
Standard deduction (single): $8,000, subtracted from gross income before applying brackets.
New York Paid Family Leave (PFL): 0.432% of wages, capped at $411.91/year. Mandatory employee payroll deduction, 0.432% of wages in 2026, capped at $411.91/year. Funds paid family leave benefits — separate from income tax.
Federal Tax & FICA (shared across all states)
| Federal standard deduction (single) | $16,100 |
|---|---|
| Federal brackets | 10% / 12% / 22% / 24% / 32% / 35% / 37% |
| Social Security | 6.2% up to $184,500 wage base |
| Medicare | 1.45% on all wages, +0.9% above $200,000 |
Guideline version 2026-NY-v1 · Last verified 2026-07-26
New York Paycheck Calculator FAQ
What are New York's state income tax brackets for 2026?
New York has 9 brackets for single filers, from 4% on income up to $17,150 to 10.9% above $25,000,000. The FY2026 budget cut the bottom five bracket rates by 0.1 point.
Does this calculator include New York City tax?
No. This estimate covers only New York State tax. NYC residents owe an additional local income tax (3.078%-3.876%), and Yonkers residents owe a local surcharge — neither is computed here.
What is New York Paid Family Leave (PFL)?
A mandatory employee payroll deduction — 0.432% of wages in 2026, capped at $411.91/year — that funds paid leave benefits. It is separate from income tax.
Methodology & Source
New York state tax figures sourced from New York State Department of Taxation and Finance (https://www.tax.ny.gov/), citing N.Y. Tax Law § 601 — FY2026 budget cut the bottom five bracket rates 0.1 point starting tax year 2026. Federal brackets and FICA constants sourced from the IRS (Revenue Procedure 2025-32).
This is an estimate based on standard single-filer federal, FICA, NY state tax, and NY PFL calculations. Actual withholding may differ based on your W-4/IT-2104 elections, pre-tax deductions, NYC/Yonkers tax, and other factors.
Guideline version: 2026-NY-v1 · Effective: 2026-01-01 · Last verified: 2026-07-26