New York Paycheck Calculator
Calculate your take home pay after federal & New York taxes
Last updated on Aug 24 2021
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Paycheck calculators by state
New York state income tax
Brief summary:
- the income tax rate ranges from 4% to 10.9%
- has “tax benefit recapture” for high-income earners
- a resident of the Big Apple need to pay local income tax (3.08% to 3.88%) 😔
- subject to Disability Insurance (SDI) and Family Leave Insurance (FLI)
- has standard deduction and exemption
- has a Child Tax Credit (CTC) for filers who claim and don’t claim federal CTC
New York fiscal year starts from July 01 the year before to June 30 the current year. So the fiscal year 2021 will start from July 01 2020 to June 30 2021.
Calculating your New York state income tax is similar to the steps we listed on our Federal paycheck calculator:
- figure out your filing status
- work out your adjusted gross income [Total annual income – Adjustments = Adjusted gross income]
- calculate your taxable income [Adjusted gross income – (Post-tax deductions + Exemptions) = Taxable income]
- understand your tax liability [Taxable income × Tax rate = Tax liability]
- determine whether your tax liability is more than your tax credits and withheld
- Tax liability – (Credits + Withheld) = What you owe or
- (Credits + Withheld) – Tax liability = Tax refunds
State payroll tax
New York is one of the few states which has payroll tax. So federal FICA taxes and state insurance taxes will be deducted from your paycheck.
| Fiscal year | Tax name | Percent of taxable wage | Up to taxable wage | Comments |
|---|---|---|---|---|
| 2021 | State Disability Insurance (SDI) | 0.5% | up to: $0.14 daily $0.60 weekly $1.20 biweekly $1.30 semi-monthly $2.60 monthly ($31.20 annually) |
|
| State Family Leave Insurance (FLI) | 0.51% | $1,450.17 weekly $75,408.84 per annual |
maximum of $385.34 per year | |
| 2020 | State Disability Insurance (SDI) | 0.5% | up to: $0.14 daily $0.60 weekly $1.20 biweekly $1.30 semi-monthly $2.60 monthly ($31.20 annually) |
|
| State Family Leave Insurance (FLI) | 0.27% | $1,401.17 weekly $72,860.84 per annual |
maximum of $196.72 per year |
Income tax brackets
New York’s income tax is relatively progressive which helps in maintaining the state’s competitive edge.
Refer to Tax Foundation for more details.
| Fiscal year | Filing status | Taxable income | Rate |
|---|---|---|---|
| 2021 | Single | $0 – $8,500 | 4.00% |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $21,400 | 5.90% | ||
| $21,400 – $80,650 | 6.21% | ||
| $80,650 – $215,400 | 6.49% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550 – $5,000,000 | 9.65% | ||
| $5,000,000 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Married, Filing Jointly or Widow(er) | $0 – $17,150 | 4.00% | |
| $17,150 – $23,600 | 4.50% | ||
| $23,600 – $27,900 | 5.25% | ||
| $27,900 – $43,000 | 5.90% | ||
| $43,000 – $161,550 | 6.21% | ||
| $161,550 – $323,200 | 6.49% | ||
| $323,200 – $2,155,350 | 6.85% | ||
| $2,155,350 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Married, Filing Separately | $0 – $8,500 | 4.00% | |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $21,400 | 5.90% | ||
| $21,400 – $80,650 | 6.21% | ||
| $80,650 – $215,400 | 6.49% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Head of Household | $0 – $12,800 | 4.00% | |
| $12,800 – $17,650 | 4.50% | ||
| $17,650 – $20,900 | 5.25% | ||
| $20,900 – $32,200 | 5.90% | ||
| $32,200 – $107,650 | 6.21% | ||
| $107,650 – $269,300 | 6.49% | ||
| $269,300 – $1,616,450 | 6.85% | ||
| $1,616,450 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| 2020 | Single | $0 – $8,500 | 4.00% |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $21,400 | 5.90% | ||
| $21,400 – $80,650 | 6.21% | ||
| $80,650 – $215,400 | 6.49% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550+ | 8.82% | ||
| Married, Filing Jointly or Widow(er) | $0 – $17,150 | 4.00% | |
| $17,150 – $23,600 | 4.50% | ||
| $23,600 – $27,900 | 5.25% | ||
| $27,900 – $43,000 | 5.90% | ||
| $43,000 – $161,550 | 6.21% | ||
| $161,550 – $323,200 | 6.49% | ||
| $323,200 – $2,155,350 | 6.85% | ||
| $2,155,350+ | 8.82% | ||
| Married, Filing Separately | $0 – $8,500 | 4.00% | |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $21,400 | 5.90% | ||
| $21,400 – $80,650 | 6.21% | ||
| $80,650 – $215,400 | 6.49% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550+ | 8.82% | ||
| Head of Household | $0 – $12,800 | 4.00% | |
| $12,800 – $17,650 | 4.50% | ||
| $17,650 – $20,900 | 5.25% | ||
| $20,900 – $32,200 | 5.90% | ||
| $32,200 – $107,650 | 6.21% | ||
| $107,650 – $269,300 | 6.49% | ||
| $269,300 – $1,616,450 | 6.85% | ||
| $1,616,450+ | 8.82% |
Tax benefit recapture
New York state has “tax benefit recapture” for high-income earners in their respective tax brackets. These taxpayers will have to pay their top tax rate on all income, not just on the amounts about the threshold. In other words, the income tax is no longer progressive for them.
This is based on both the state adjusted gross income (AGI) and state taxable income.
| Fiscal year | Filing status | AGI | Taxable income | AGI equal or more than | Rate on all income | ||
|---|---|---|---|---|---|---|---|
| More than | Equal or less than | More than | Equal or less than | ||||
| 2021 | Married, Filing Jointly or Widow(er) | $107,650 | $25,000,000 | $161,550 | $157,650 | 5.97% | |
| $161,550 | $25,000,000 | $161,550 | $323,200 | $211,550 | 6.33% | ||
| $323,200 | $25,000,000 | $323,200 | $2,155,350 | $373,200 | 6.85% | ||
| $2,155,350 | $25,000,000 | $2,155,350 | $5,000,000 | $2,205,350 | 9.65% | ||
| $5,000,000 | $25,000,000 | $5,000,000 | $5,050,000 | 10.30% | |||
| $25,000,000 | $25,050,000 | 10.90% | |||||
| Single Married, Filing Separately |
$107,650 | $25,000,000 | $215,400 | $157,650 | 6.33% | ||
| $215,400 | $25,000,000 | $215,400 | $1,077,550 | $265,400 | 6.85% | ||
| $1,077,550 | $25,000,000 | $1,077,550 | $5,000,000 | $1,127,550 | 9.65% | ||
| $5,000,000 | $25,000,000 | $5,000,000 | $5,050,000 | 10.30% | |||
| $25,000,000 | $25,050,000 | 10.90% | |||||
| Head of Household | $107,650 | $25,000,000 | $269,300 | $157,650 | 6.33% | ||
| $269,300 | $25,000,000 | $269,300 | $1,616,450 | $319,300 | 6.85% | ||
| $1,616,450 | $25,000,000 | $1,616,450 | $5,000,000 | $1,666,450 | 9.65% | ||
| $5,000,000 | $25,000,000 | $5,000,000 | $5,050,000 | 10.30% | |||
| $25,000,000 | $25,050,000 | 10.90% | |||||
Local income tax
If you live in New York City, then you need to pay an additional local income tax. Or you can live outside NYC to avoid tax as more do.
Refer to The Balance for more information.
| City | Fiscal year | Filing status | Taxable income | Rate |
|---|---|---|---|---|
| New York City | 2021 2020 |
Single | $0 – $12,000 | 3.078% |
| $12,000 – $25,000 | 3.762% | |||
| $25,000 – $50,000 | 3.819% | |||
| $50,000+ | 3.876% | |||
| Married, Filing Jointly or Widow(er) | $0 – $21,600 | 3.078% | ||
| $21,600 – $45,000 | 3.762% | |||
| $45,000 – $90,000 | 3.819% | |||
| $90,000+ | 3.876% | |||
| Married, Filing Separately | $0 – $12,000 | 3.078% | ||
| $12,000 – $25,000 | 3.762% | |||
| $25,000 – $50,000 | 3.819% | |||
| $50,000+ | 3.876% | |||
| Head of Household | $0 – $14,400 | 3.078% | ||
| $14,400 – $30,000 | 3.762% | |||
| $30,000 – $60,000 | 3.819% | |||
| $60,000+ | 3.876% |
Deductions
You can claim the standard deduction in New York state. For more information, refer to Tax Foundation.
| Fiscal year | Filing status | Standard deduction amount |
|---|---|---|
| 2021 2020 |
Single Married, Filing Separately Head of Household |
$8,000 |
| Married, Filing Jointly or Widow(er) | $16,050 |
Exemptions
You can claim $1000 for each dependent. Refer to Tax Foundation for more details.
| Fiscal year | Filing status | Exemption amount |
|---|---|---|
| 2021 2020 |
Dependent(s) | $1,000 |
Earned Income Tax Credit (EITC)
Similar to other states, New York state EITC is a percentage of Federal EITC. Refer to TCWF for full details.
| Fiscal year | Percentage of Federal EITC | Refundable |
|---|---|---|
| 2021 2020 |
30% | Yes |
Child Tax Credit (CTC)
You can claim state CTC even if you didn’t claim federal Child Tax Credit. Refer to TCWF for full details.
| Fiscal year | Filing status | Amount per dependent | Refundable |
|---|---|---|---|
| 2021 2020 |
For tax filers that claimed the federal child tax credit | 33% of the portion of the federal child tax credit to qualifying children or $100 multiplied by the number of qualifying children |
Yes |
| Individual filers under $75,000 who did not claim federal CTC | $100 multiplied by the number of qualifying children | Yes | |
| Married filers under $110,000 who did not claim federal CTC |
FAQs
What taxes do New Yorker pay?
Residents of New York state are subjected to income tax (4% to 10.9%) and state payroll taxes such as Disability Insurance (SDI) and Family Leave Insurance (FLI). If you live in New York City, then you also have to pay the local income tax (3.08% to 3.88%).
How much do you make after taxes in New York state?
For a single filer living in New York City with an annual income of $65,000, the annual take home pay after income taxes is $47,039.54. If he/she lives in another city in New York state, the annual post-tax take home pay is $49,124.54.
For a married filer with a combined annual income of $130,000 in New York City, the combined annual take home pay after income taxes is $94,542.21. If they live in another city in New York state, the combined annual post-tax take home pay is $98,735.59.