New York Paycheck Calculator 2026
Calculate an estimated paycheck after federal taxes, 2026 New York state income tax, Social Security, Medicare and selected employee contributions. Adjust your salary, filing status and pay frequency.
Note: Results are estimates based on 2026 tax rules. Actual take-home pay may vary.
Enter pay details
Estimated take-home pay
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- Gross pay
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- Federal income-tax withholding
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- Estimated state income tax *
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- Social Security (6.2%, up to wage base)
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- Medicare (1.45%)
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- Additional Medicare withholding
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- Other employee state contributions
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- Estimated net pay *
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* Annual tax approximation, not exact state withholding. Local taxes excluded. Pre-tax deductions and employer-specific exemptions are excluded.
How New York paycheck taxes work
New York State imposes graduated wage income tax. New York City and Yonkers can also impose local withholding, and commuters have special rules. This estimate EXCLUDES all NYC and Yonkers withholding.
How it's calculated
Gross pay per paycheck = annual salary ÷ number of yearly pay periods. For example, $60,000 ÷ 26 = $2,307.69 biweekly before taxes. Federal withholding follows the standard 2026 IRS Publication 15-T annualized percentage schedule for a simple post-2020 W-4 scenario with the selected filing status and optional Step 3/4(c) amounts.
Estimated net pay = gross pay − estimated federal withholding − estimated state income tax − Social Security − Medicare − applicable other employee state contributions. Social Security is limited to the 2026 wage base ($184,500) using the year-to-date input; Additional Medicare withholding begins after $200,000 in employer wages. The projected state income tax uses 2026 ordinary-income bracket data as an annual approximation divided by pay periods.
Assumptions and limitations
2026 planning estimate — not exact payroll withholding. State income tax uses an annualized tax-liability approximation, not every employer withholding table, allowance or local tax. Do not use this as a substitute for your employer's pay stub. See the assumptions below.
New York uses 2026 annual state rate bands, not the NYS-50-T-NYS payroll calculation. If you work or live in New York City or Yonkers, this estimated take-home pay will overstate your actual net paycheck.
Designed for a resident employee whose work is entirely in New York during 2026. The example excludes qualified pre-tax health premiums, 401(k) contributions, credits beyond simple standard assumptions, multiple jobs, nonresident rules, bonuses, special tax credits and all local taxes. Your W-4 and state withholding certificate may lead to a different actual paycheck. This tool does not determine your annual tax filing liability.
2026 official data and further reading
- IRS Publication 15-T — federal withholding methods
- Social Security Administration — 2026 contribution wage base
- New York government source — current payroll/tax rules
- Tax Foundation — 2026 state tax brackets
Frequently asked questions
Does New York charge state income tax on wages?
Yes. The 2026 state income-tax estimate is shown separately from federal taxes. Actual withholding depends on the applicable state payroll method and withholding elections.
Will this exactly match my New York pay stub?
No. This is a planning estimate, not an official state withholding calculation. City and school district taxes, employer benefits, year-to-date wages and other elections can change net pay.
What is the difference between biweekly and semimonthly?
Biweekly usually means 26 paychecks per year. Semimonthly normally means 24 paychecks per year. Select the schedule used by your employer.
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