Paycheck Calculator 2026
Calculate your take-home pay per paycheck after all taxes and deductions
See Your Paycheck
Enter your salary and details to see exactly how much you'll take home each pay period.
How New York Paycheck Withholding Is Calculated for 2026
A New York paycheck is reduced in four stages, and the order matters. Pre-tax contributions come out first (a traditional 401(k) or an HSA), then federal income tax and FICA, and finally the New York layers — state tax, plus a city tax if you live in New York City or Yonkers. This calculator applies the 2026 schedules to each stage instead of a single flat percentage, so a raise only increases tax on the income that falls inside the higher band.
New York State brackets for 2026 (single filer)
| NY taxable income | Marginal rate |
|---|---|
| $0 – $8,500 | 3.9% |
| $8,500 – $11,700 | 4.4% |
| $11,700 – $13,900 | 5.15% |
| $13,900 – $80,650 | 5.4% |
| $80,650 – $215,400 | 5.9% |
| $215,400 – $1,077,550 | 6.85% |
| $1,077,550 – $5,000,000 | 10.45% — flat on all taxable income |
| $5,000,000 – $25,000,000 | 11.1% — flat on all taxable income |
| $25,000,000 or more | 11.7% — flat on all taxable income |
Two details trip people up. New York starts from your federal adjusted gross income and subtracts its own standard deduction — $8,000 for a single filer and $16,050 for a married couple filing jointly — not the federal amounts. And the top three bands are recapture bands: once taxable income passes $1,077,550 the entire taxable amount is taxed at 10.45%, rising to 11.1% above $5,000,000. Bracket tables for joint and head-of-household filers are in the NY tax brackets guide.
Federal withholding and FICA come out before state tax
For 2026 the federal standard deduction is $16,100 for a single filer and $32,200 for a joint return, with marginal rates from 10% to 37%. FICA is separate from income tax and is withheld first: 6.2% Social Security on the first $184,500 of wages, plus 1.45% Medicare with no wage cap, plus an additional 0.9% on wages above $200,000 ($250,000 on a joint return). That is why take-home pay rises once you pass the Social Security wage base — the 6.2% stops even though your salary has not changed.
New York City and Yonkers add a local layer
New York City residents pay a city income tax of 3.078%–3.876% of city taxable income on top of the state bill. Yonkers residents pay a surcharge equal to 16.75% of their New York State tax instead. Choose the matching location in the form to include it. Where you actually live on December 31 usually decides which one applies — see NYC versus the suburbs and the Yonkers surcharge guide for the edge cases.
Withholding is an estimate of your bill, not the bill
Employers withhold from the elections on your Form W-4, so two people on the same salary can finish the year with very different refunds. One W-2 job with the standard deduction usually lands close to the real liability; a second job, bonus or RSU income, or freelance income on the side usually does not. Feed the result into the NY refund calculator to see whether you are tracking toward a refund or a balance due, and use the self-employment calculator when part of the income arrives on a 1099.
What this calculator does not model
- Local wage or occupational taxes outside New York City and Yonkers.
- New York paid family leave and disability contributions, which are withheld from wages separately from income tax.
- Pre-tax benefits such as health premiums, commuter benefits and dependent-care accounts — enter the annual amount as a deduction only when you know the figure.
- Multi-state allocation: if you work in New York but live elsewhere, or the reverse, residency and allocation rules can move the bill. See remote work and NY taxes.
- Equity compensation, tips and non-cash benefits, which have their own withholding rules.
Sources: NY State Department of Taxation and Finance tax rates and tables and standard deductions plus Form IT-201-I; IRS tax year 2026 inflation adjustments and Topic no. 751 (Social Security and Medicare withholding rates); Social Security Administration contribution and benefit base.