NEW YORK PAYCHECK CALCULATOR

Our New York Paycheck Calculator 2026 helps employees estimate their take-home pay after all payroll deductions. New York has one of the highest tax burdens in the United States, with a progressive state income tax ranging from 4% to 10.9%. In addition to federal taxes and FICA, New York workers also pay New York State SDI and Paid Family Leave (PFL) deductions.

Use this free calculator to instantly estimate your New York net pay based on your gross salary or hourly wage, pay frequency, and filing status. Updated for 2026 federal and New York state tax brackets, standard deductions, and the current NY PFL rate.

Want to compare with other states? Use our USA Paycheck Calculator or compare directly: California, Texas, Florida, Illinois vs New York.

How Paycheck Taxes Work in New York

New York is one of the highest-taxed states in the United States. Unlike no-income-tax states like Florida or Texas, New York workers face multiple layers of deductions on every paycheck. Here is a complete breakdown of what comes out of a New York paycheck in 2026:

• Federal Income Tax – Progressive rates from 10% to 37% based on taxable income and filing status
• Social Security Tax – 6.2% on wages up to $176,100 (2026 wage base)
• Medicare Tax – 1.45% on all wages; an additional 0.9% applies on wages over $200,000
• New York State Income Tax – Progressive rates from 4% to 10.9% based on income
• New York SDI – $0.60 per week, maximum $31.20 per year (employee contribution)
• New York Paid Family Leave (PFL) – 0.388% of gross wages up to $89,835 wage base (max $348.56/year)

New York State Income Tax Brackets 2026

New York uses a progressive income tax system. The 2026 New York state income tax brackets for a Single filer are:

• 4% on income up to $17,150
• 4.5% on income from $17,150 to $23,600
• 5.25% on income from $23,600 to $27,900
• 5.5% on income from $27,900 to $161,550
• 6% on income from $161,550 to $323,200
• 6.85% on income from $323,200 to $2,155,350
• 9.65% on income from $2,155,350 to $5,000,000
• 10.3% on income from $5,000,000 to $25,000,000
• 10.9% on income over $25,000,000

New York's standard deduction is $8,000 for Single filers, $16,050 for Married Filing Jointly, and $11,200 for Head of Household. These deductions reduce your NY taxable income before the brackets are applied.

New York SDI and Paid Family Leave (PFL) Explained

New York requires two additional employee payroll deductions that most other states do not have:

NY State Disability Insurance (SDI) — Employees pay $0.60 per week (maximum $31.20 per year). This is a flat, fixed amount deducted from every paycheck regardless of salary level. It funds short-term disability benefits for workers who are temporarily unable to work due to a non-work-related illness or injury.

NY Paid Family Leave (PFL) 2026 — Employees pay 0.388% of their gross wages up to the NY Average Weekly Wage (AWW) cap of $89,835 per year. The maximum PFL deduction in 2026 is $348.56. PFL provides eligible employees with paid leave for bonding with a new child, caring for a seriously ill family member, or qualifying military events.

New York Federal Tax Brackets 2026

In addition to New York state taxes, federal income tax applies to all wages. The 2026 federal tax brackets for a single filer are:

• 10% on income up to $11,925
• 12% on income from $11,925 to $48,475
• 22% on income from $48,475 to $103,350
• 24% on income from $103,350 to $197,300
• 32% on income from $197,300 to $250,525
• 35% on income from $250,525 to $626,350
• 37% on income over $626,350

New York vs Other States — How Much Do You Keep?

New York's combined tax burden is among the highest in the nation. A Single worker earning $100,000 in New York pays roughly $4,728 in state income tax alone — compared to $0 in no-income-tax states like Florida, Texas, or Washington, and $4,830 in flat-tax Illinois. High earners are hit hardest: income above $2,155,350 is taxed at 9.65%, rising to 10.9% at the very top. NYC residents face an even higher burden with an additional local tax of up to 3.876%.

Compare take-home pay across states:
California Paycheck Calculator | Texas Paycheck Calculator | Florida Paycheck Calculator | Washington Paycheck Calculator | Illinois Paycheck Calculator

New York Paycheck Calculator FAQs

What is the New York state income tax rate in 2026?
New York uses a progressive income tax system with rates ranging from 4% to 10.9% in 2026. The rate that applies to you depends on your taxable income and filing status.

What taxes are deducted from a New York paycheck in 2026?
Federal income tax, Social Security (6.2% up to $176,100), Medicare (1.45%), NY state income tax (4%–10.9%), NY SDI ($31.20/year), and NY Paid Family Leave (0.388% up to $89,835) are deducted.

What is NY Paid Family Leave (PFL) and how much is it in 2026?
NY PFL is an employee-paid payroll deduction of 0.388% of gross wages in 2026, with wages capped at $89,835. The maximum annual PFL contribution is $348.56. It provides paid leave for qualifying family events like welcoming a new child.

How much will I take home on a $70,000 salary in New York?
On a $70,000 annual salary filing as Single, you would pay approximately $7,014 in federal income tax, $5,355 in FICA taxes, $3,078 in NY state income tax, $31.20 in NY SDI, and $272 in NY PFL — resulting in an estimated take-home pay of around $54,251 per year or about $4,521 per month. Use the calculator above for your exact figure.

Do New York City residents pay extra taxes?
Yes. NYC residents pay an additional New York City local income tax on top of state tax, with rates from 3.078% to 3.876%. This calculator covers state-level taxes only. NYC workers should expect lower take-home pay than the estimates shown above.

Is New York a high-tax state?
Yes. New York has one of the highest combined tax burdens in the United States, especially for high earners and NYC residents. Workers in New York generally take home significantly less than comparable workers in no-income-tax states like Texas, Florida, or Washington.

Calculate your New York paycheck again: New York Paycheck Calculator 2026