New York Paycheck Calculator

Calculate your take-home pay per paycheck for salary and hourly jobs after federal & New York taxes

Updated for 2025 tax year on Feb 14, 2025

What was updated? Federal income tax rates

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How to calculate your New York paycheck

Overview of New York

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

Brief summary:

  • the income tax rate ranges from 4% to 10.9%
  • has a “tax benefit recapture” supplemental tax
  • residents of the Big Apple and Yonkers need to pay local income tax
  • subject to Disability Insurance (SDI) and Paid Family and Medical Leave (PFML)
  • has standard deduction and exemption
New York United States

Understanding your New York paycheck

When it comes to your New York paycheck, understanding the ins and outs of federal income taxes and FICA taxes is a must. After all, these taxes make up a significant portion of your hard-earned money. Federal income tax rates are progressive, increasing as your income does. On the other hand, FICA taxes are deducted at a flat rate.

High-income earners should note that for those making over $200,000, an Additional Medicare Tax of 0.9% kicks in, bumping the Medicare portion of FICA taxes from 1.45% to 2.35%. However, the Social Security portion remains at 6.2%.

Marital status and pre-tax deductions are important factors that can impact your take-home pay. Contributions to retirement accounts reduce your taxable income, which leads to lower taxes.

There’s more to consider in the Empire State than just federal taxes. New York has a progressive state income tax system, with rates ranging from 4% to 8.82%. A “tax benefit recapture” supplemental tax may also apply to high earners, gradually phasing out certain tax benefits.

If you work in New York City, you’ll also face local income tax. The rates range from 3.078% to 3.876% depending on your income level, adding an extra layer of tax complexity to your paycheck.

New York also has a state payroll tax called the Employer Compensation Expense Tax (ECET), which employers rather than employees pay. This tax is aimed at alleviating the burden of the federal cap on state and local tax (SALT) deductions for businesses.

State standard deductions and exemptions play a role in determining your taxable income. In New York, standard deductions vary by filing status, while personal exemptions are available for taxpayers, their spouses, and dependents. These exemptions can help lower your overall tax liability.

Finally, post-tax deductions may be a part of your New York paycheck. These include deductions for life insurance premiums, union dues, and charitable contributions. While they don’t reduce your taxable income, they can still help you budget and save.

Calculate your New York paycheck

Calculating your New York state income tax is similar to the steps we listed on our main paycheck calculator page:

  1. Determine your gross income
    • Annual salary
      Annual salary = Gross income
    • Hourly wage
      Hourly wage × Hours worked per day × Days worked per week × Weeks worked per year = Your weekly paycheck
  2. Work out your total federal income tax
    1. Gross income adjusted
      Gross income − Pre-tax deductions = Gross income adjusted
    2. Federal taxable income
      Gross income adjusted − Federal standard/itemized deductions = Federal taxable income
    3. Federal income tax liability
      Federal taxable income × Federal income tax rate = Federal income tax liability
    4. Federal payroll tax liability
      Gross income × Federal payroll tax rate = Federal payroll tax liability
  3. Calculate your total New York state income tax
    1. New York state taxable income
      Gross income adjusted − (New York state standard/itemized deductions + New York state exemptions) = New York state taxable income
    2. New York state income tax liability
      New York state taxable income × New York state income tax rate = New York state income tax liability
    3. New York state payroll tax liability
      Gross income × New York state payroll tax rate = New York state payroll tax liability
  4. Derive your New York local income tax liability
    (Gross income adjusted or New York state taxable income) × New York local income tax rate = New York local income tax liability
  5. Figure out your net pay
    You need to account for any other deductions such as health insurance, 401(k) contribution, as well as additional withholdings.
    Gross income − (Total income tax liability + Total payroll tax liability + Total pre-tax deductions + Total post-tax deductions + Total withholdings) = Your net pay
  6. Divide your net pay by your pay frequency
    • Daily
      Your net pay / Days worked per week / Weeks worked per year = Your daily paycheck
    • Weekly
      Your net pay / 52 = Your weekly paycheck
    • Bi-weekly
      Your net pay / 26 = Your bi-weekly paycheck
    • Semi-monthly
      Your net pay / 24 = Your semi-monthly paycheck
    • Monthly
      Your net pay / 12 = Your monthly paycheck
    • Quarterly
      Your net pay / 4 = Your quarterly paycheck
    • Semi-annual
      Your net pay / 2 = Your semi-annual paycheck
    • Annual
      Your net pay = Your annual paycheck

State payroll tax

One of the few states that have payroll tax is New York. Therefore, your paycheck will have federal FICA and state insurance taxes deductions.

Tax year Tax name Percent of taxable wage Up to taxable wage Comments
2024 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)
Paid Family and Medical Leave (PFML) 0.455% $1,718.15 weekly
$89,343.80 per annual		 maximum of $333.25 per year
2023 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)
Paid Family and Medical Leave (PFML) 0.455% $1,688.19 weekly
$87,785.88 per annual		 maximum of $399.43 per year
2022 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)
Paid Family and Medical Leave (PFML) 0.511% $1,594.57 weekly
$82,917.64 per annual		 maximum of $423.71 per year
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)
Paid Family and Medical Leave (PFML) 0.511% $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)
Paid Family and Medical Leave (PFML) 0.27% $1,401.17 weekly
$72,860.84 per annual		 maximum of $196.72 per year

State income tax brackets

New York’s income tax is relatively progressive, which helps maintain the state’s competitive edge.
Refer to Tax Foundation for more details.

Tax year Filing status Taxable income Rate
2024
2023		 Single
Married, Filing Separately		 $0 – $8,500 4.00%
$8,500 - $11,700 4.50%
$11,700 – $13,900 5.25%
$13,900 – $80,650 5.50%
$80,650 – $215,400 6.00%
$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 – $161,550 5.50%
$161,550 – $323,200 6.00%
$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%
Head of Household $0 – $12,800 4.00%
$12,800 – $17,650 4.50%
$17,650 – $20,900 5.25%
$20,900 – $107,650 5.50%
$107,650 – $269,300 6.00%
$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%
2022 Single $0 – $8,500 4.00%
$8,500 – $11,700 4.50%
$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 – $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 – $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%
$5,000,001 – $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 – $80,650 5.85%
$80,650 – $215,400 6.25%
$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 – $107,650 5.85%
$107,650 – $269,300 6.25%
$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%
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

In New York state, high-income earners in their respective tax brackets are subject to “tax benefit recapture.” This calculation is based on both the state adjusted gross income (AGI) and state taxable income.

Tax year Filing status Taxable income Recapture Amount Incremental Benefit NY state AGI minus Phase-in numerator Comment
More than Equal or less than
2024
2023		 Single
Married, Filing Separately		 $80,650 6% of state tax liability
$80,650 $215,400 $0 $568 $107,650 $50,000
$215,400 $1,077,550 $568 $1,831 $215,400 $50,000
$1,077,550 $5,000,000 $2,399 $30,172 $1,077,550 $50,000
$5,000,000 $25,000,000 $32,571 $32,500 $5,000,000 $50,000
$25,000,000 10.9% of state tax liability
Married, Filing Jointly or Widow(er) $27,900 5.55% of state tax liability
$27,900 $161,550 $0 $333 $107,650 $50,000
$161,550 $323,200 $333 $807 $161,550 $50,000
$323,200 $2,155,350 $1,140 $2,747 $323,200 $50,000
$2,155,350 $5,000,000 $3,887 $60,350 $2,155,350 $50,000
$5,000,000 $25,000,000 $64,237 $32,500 $5,000,000 $50,000
$25,000,000 10.9% of state tax liability
Head of Household $107,650 6% of state tax liability
$107,650 $269,300 $0 $787 $107,650 $50,000
$269,300 $1,616,450 $787 $2,289 $269,300 $50,000
$1,616,450 $5,000,000 $3,076 $45,261 $1,616,450 $50,000
$5,000,000 $25,000,000 $48,337 $32,500 $5,000,000 $50,000
$25,000,000 10.9% of state tax liability
2022 Single
Married, Filing Separately		 $80,650 6.33% of state tax liability
$80,650 $215,400 $0 $536 $107,650 $50,000
$215,400 $1,077,550 $536 $1,293 $215,400 $50,000
$1,077,550 $5,000,000 $1,829 $30,171 $1,077,550 $50,000
$5,000,000 $25,000,000 $32,000 $32,500 $5,000,000 $50,000
$25,000,000 10.9% of state tax liability
Married, Filing Jointly or Widow(er) $27,900 5.97% of state tax liability
$27,900 $161,550 $0 $430 $107,650 $50,000
$161,550 $323,200 $430 $646 $161,550 $50,000
$323,200 $2,155,350 $1,076 $1,940 $323,200 $50,000
$2,155,350 $5,000,000 $3,016 $60,349 $2,155,350 $50,000
$5,000,000 $25,000,000 $63,365 $32,500 $5,000,000 $50,000
$25,000,000 10.9% of state tax liability
Head of Household $107,650 6.33% of state tax liability
$107,650 $269,300 $0 $752 $107,650 $50,000
$269,300 $1,616,450 $752 $1,616 $269,300 $50,000
$1,616,450 $5,000,000 $2,368 $45,261 $1,616,450 $50,000
$5,000,000 $25,000,000 $47,629 $32,500 $5,000,000 $50,000
$25,000,000 10.9% of state tax liability
2021 Single
Married, Filing Separately		 $80,650 6.33% of state tax liability
$80,650 $215,400 $0 $526 $107,650 $50,000
$215,400 $1,077,550 $526 $1,120 $215,400 $50,000
$1,077,550 $5,000,000 $1,646 $30,171 $1,077,550 $50,000
$5,000,000 $25,000,000 $31,817 $32,500 $5,000,000 $50,000
$25,000,000 10.9% of state tax liability
Married, Filing Jointly or Widow(er) $43,000 5.97% of state tax liability
$43,000 $161,550 $0 $474 $107,650 $50,000
$161,550 $323,200 $474 $582 $161,550 $50,000
$323,200 $2,155,350 $1,056 $1,680 $323,200 $50,000
$2,155,350 $5,000,000 $2,736 $60,350 $2,155,350 $50,000
$5,000,000 $25,000,000 $63,086 $32,500 $5,000,000 $50,000
$25,000,000 10.9% of state tax liability
Head of Household $107,650 6.33% of state tax liability
$107,650 $269,300 $0 $742 $107,650 $50,000
$269,300 $1,616,450 $742 $1,401 $269,300 $50,000
$1,616,450 $5,000,000 $2,143 $45,260 $1,616,450 $50,000
$5,000,000 $25,000,000 $47,403 $32,500 $5,000,000 $50,000
$25,000,000 10.9% of state tax liability

Local income tax

If you live in New York City, you must 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 Tax year Filing status Taxable income Rate
New York City 2024
2023
2022
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%
Yonkers 2024
2023
2022
2021
2020		 Single
Married, Filing Jointly or Widow(er)
Married, Filing Separately
Head of Household		 $0 - $3,999.99 0%
$4,000 - $10,000 0.5%
$10,000 - $20,000 0.5%
$20,000 - $30,000 0.5%
$30,000+ 0.5%

State standard deduction

You can claim the standard deduction in New York state. For more information, refer to Tax Foundation.

Tax year Filing status Standard deduction amount
2024
2023
2022
2021
2020		 Single
Married, Filing Separately		 $8,000
Married, Filing Jointly or Widow(er) $16,050
Head of Household $11,200

State exemptions

You can claim $1000 for each dependent. Refer to Tax Foundation for more details.

Tax year Filing status Exemption amount
2024
2023
2022
2021
2020		 Dependent(s) $1,000

FAQs

How to calculate take home pay in New York?

Follow the steps below to work out your take-home pay:

  1. Determine your gross income
  2. Work out your total federal income tax
  3. Calculate your total New York state income tax
  4. Derive your New York local income tax liability
  5. Gross income minus taxes, deductions and withholdings
  6. Divide your net pay by your pay frequency

How much will New York tax paychecks in 2024?

In 2024, New York state income tax rates range from 4% to 10.9%, depending on your taxable income. There are additional local income tax for New York City and Yonkers.

How much is taken out of my paycheck in New York?

Your paycheck in New York will include deductions for several taxes. Federal income tax, state income tax, Social Security and Medicare will be taken out of each paycheck. You will also be subjected to local income tax if you work in New York City or Yonkers. Lastly, your chosen benefits also reduce your take-home pay.

What percentage of my paycheck goes to taxes in New York?

In New York, around 20% to 45% of your paycheck may go to taxes. The taxes on your paycheck include

  • federal income tax (10% to 37%)
  • state income tax (4% to 10.9%)
  • local income tax
  • Social Security (6.2%)
  • Medicare (1.45% to 2.35%)
  • State Disability Insurance (0.5%)
  • Paid Family and Medical Leave (0.455%)