New York Paycheck Calculator

Calculate your take home pay after federal & New York taxes

Last updated on Aug 24 2021

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New York state income tax

Being the fourth most populous US state, New York state has a population of over 20 million (2021) and is known for its diverse geography, melting pot culture and the largest city in America, New York City. The median household income is $64,894 (2017).

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 United States

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:

  1. figure out your filing status
  2. work out your adjusted gross income [Total annual income – Adjustments = Adjusted gross income]
  3. calculate your taxable income [Adjusted gross income – (Post-tax deductions + Exemptions) = Taxable income]
  4. understand your tax liability [Taxable income × Tax rate = Tax liability]
  5. 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.