New York Paycheck Calculator
Calculate your take home pay after federal & New York taxes
Updated for tax year 2022
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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 Paid Family and Medical Leave (PFML)
- has standard deduction and exemption
From Wikipedia
New York tax year starts from July 01 the year before to June 30 the current year. So the tax 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]
- minus any additional tax withholdings [Total annual income – (Tax liability + All deductions + Withholdings) = Your annual paycheck]
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.
| Tax 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) |
|
| 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 |
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.
| Tax 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.
| Tax 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 | Tax 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% |
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 |
|---|---|---|
| 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.
| Tax year | Filing status | Exemption amount |
|---|---|---|
| 2021 2020 |
Dependent(s) | $1,000 |
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 Paid Family and Medical Leave (PFML). 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.