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Paycheck · New York · 2026

New York Paycheck Calculator

Enter your pay, hours and deductions to estimate New York net pay per period, plus weekly, biweekly, monthly and annual take-home and your effective tax rate. New York City residents get the local tax line automatically.

Verified for tax year 2026 · State rules reviewed

Review details

Page content updated

NYC rules reviewed October 13, 2026

Income & pay

Use residence, not work location. Choosing NYC assumes NYC residence: residents have city withholding even when working elsewhere in NY. Ordinary nonresidents do not owe NYC resident tax just by working there. Section 1127, Yonkers, changing residence and interstate allocation are not modeled.

Pay type

Additional compensation & taxes

Employee-paid coverage deductions

Start unchecked. Select only deductions your employer collects from you. Employer-paid premiums do not reduce your net pay. These are annual averages, not a payroll record: actual PFL deductions stop when the annual cap is reached. Entering the same premiums again under other deductions would count them twice.

Select only if your covered employer deducts PFL premiums from your pay and no valid waiver applies. Gross wages are used; the annual cap is averaged across pay periods.
Select only if your employer deducts the standard statutory disability premium. This averages the $0.60 weekly maximum over a full 52-week year; enhanced plans and irregular employment are not modeled.

New York Form IT-2104

Use your NY certificate selections; they can differ from your federal filing status. Zero allowances is the starting estimate, not a recommendation. This uses the published annual withholding schedule; printed per-payroll tables may differ slightly. One identified bonus payment is assumed and its tax is averaged across the year. A percentage retirement election applies to bonus wages; per-period health and flat deductions are assigned to regular pay. Other jobs and the final tax return can require extra withholding. View Form IT-2104

Applies only to NYC residents. Separate from NY State line 1; zero is a starting estimate, not a recommendation.
Applies only to NYC residents.
Enter your calculated NY allowances; do not copy a modern federal W-4 credit amount.
NYC residents only. Required for the 4.25% identified bonus option. If unchecked, NYC uses the aggregate estimate independently of the NY election.
Required for the NY 11.70% identified bonus option. If unchecked, NY uses the aggregate method. NYC's prerequisite is confirmed separately.

Withheld using NYS-50-T-NYS annual withholding schedule / Method III (2026)

Deductions

Pre-tax
401(k) entered as
Post-tax

Estimated take-home pay

$2,731.23

per biweekly pay · $112,000.00 annual gross
27.2%
est. tax rate
NetFederalSS/MedicareState/LocalDeductions
Gross pay
$4,307.69
Federal income tax
−$518.89
Social Security
−$255.30
Medicare
−$59.71
NY State tax
−$191.58
New York City withholding
−$145.60
Pre-tax deductions
−$405.38
Post-tax deductions
−$0.00
Net pay
$2,731.23
Weekly

$1,365.62

Biweekly

$2,731.23

Monthly

$5,917.67

Annual

$71,012.03

Save or print this estimate for personal planning. Created privately in your browser.

Paycheck estimate — not an employer-issued paystub or proof of income.

What-if scenarios

Calculations are estimates for informational purposes and are not tax, legal, or financial advice. Actual withholding and take-home pay may differ.

How New York withholding is calculated

New York State withholding

State income tax follows the New York State Department of Taxation and Finance withholding rate schedules for 2026, applied to wages after pre-tax deductions, by filing status and pay frequency.

New York City tax

NYC residents use the published annual payroll withholding schedule, with separate IT-2104 line 2 allowances and line 4 extra withholding. An identified bonus can use 4.25% only when regular NYC withholding is confirmed; otherwise it uses the aggregate estimate. Choose another New York city and NYC withholding disappears. This is distinct from final-return tax liability and may differ slightly from printed per-payroll tables.

Federal withholding and FICA

Federal income tax follows IRS Publication 15-T Worksheet 1A, including the Form W-4 Step 2 checkbox, Step 3 credits and Step 4 adjustments. Social Security and Medicare use the published 2026 rates and wage base.

Overtime, tips and bonuses

Overtime hours at your chosen multiplier, tips per pay period and an annual bonus are added to gross wages, with the bonus withheld either at the supplemental flat rate or aggregated with regular pay.

Official sources

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New York paycheck questions

What the New York estimate includes, which official schedules it uses, and what it deliberately leaves out.

Does this include New York City tax?

Yes. Select New York City as your residence and the resident city payroll withholding estimate is shown as its own line alongside New York State withholding. Your work location alone does not establish NYC residency.

Which New York schedules are used?

The New York State and New York City withholding rate schedules for 2026 published by the Department of Taxation and Finance, applied by filing status and pay frequency.

Are Paid Family Leave and disability contributions included?

They are optional. Select the separate standard employee-paid PFL and disability options only when your employer collects them and coverage applies. PFL uses 0.432% of gross wages with a $411.91 annual cap; statutory disability uses 0.5% with a $0.60 weekly maximum. Estimates average annual premiums across payments; actual YTD cap timing, waivers and enhanced plans are not modeled.

Are these figures exact?

No. They are estimates of payroll withholding, not tax, legal or financial advice. Your employer's payroll system, rounding and your exact Form W-4 and IT-2104 determine what is actually withheld.

Is my salary information sent anywhere?

No. Every figure is calculated in your browser. A temporary session draft preserves values across language changes; salary, tips, deductions and tax inputs are not sent to a server or to analytics.