New York Paycheck Calculator 2026
New York uses graduated income-tax brackets, applied here to annualized wages after the state's standard deduction and exemptions. Federal withholding follows the IRS Publication 15-T percentage method — the one payroll systems use. Everything is computed in your browser; nothing you type is sent anywhere.
Works offline — your inputs never leave this device. How that works
Estimate only: this is an approximation, not a copy of New York's withholding tables. It annualizes your pay, subtracts the NYS-50-T-NYS deduction and exemption allowance and applies the Annual Tax Rate Schedule; it does not compute New York City or Yonkers tax. Two things it cannot reproduce: New York rounds the base amounts in each schedule row (worth a few dollars a year), and above $1,077,550 of annual net wages for a single filer or $2,155,350 for a married filer New York switches to Method III, which applies a flat 10.45% to 11.70% to ALL annualized wages — so at those income levels this estimate runs LOW. Use the New York State Department of Taxation and Finance's own NYS-50-T-NYS tables for an official figure. Local taxes (New York City and Yonkers levy their own resident income taxes on top of New York State tax, on separate withholding schedules published as NYS-50-T-NYC and NYS-50-T-Y. Yonkers also has a nonresident earnings tax surcharge. None of these are computed here — see the city publication that applies to you.) are not included.
Check against New York’s own withholding tables ↗
- Taxable: $65,000 − $7,400 deductions = $57,600
- Bracket schedule → $2,945/year
- New York Paid Family Leave (PFL) — employee contribution: 0.432% (up to $95,349/yr) → $10.80/period
- New York Disability Benefits Law (DBL) — employee contribution: 0.5% (up to $6,240/yr) → $12.50/period
- Local taxes: New York City and Yonkers levy their own resident income taxes on top of New York State tax, on separate withholding schedules published as NYS-50-T-NYC and NYS-50-T-Y. Yonkers also has a nonresident earnings tax surcharge. None of these are computed here — see the city publication that applies to you. (not computed here)
- Estimate only: this is an approximation, not a copy of New York's withholding tables. It annualizes your pay, subtracts the NYS-50-T-NYS deduction and exemption allowance and applies the Annual Tax Rate Schedule; it does not compute New York City or Yonkers tax. Two things it cannot reproduce: New York rounds the base amounts in each schedule row (worth a few dollars a year), and above $1,077,550 of annual net wages for a single filer or $2,155,350 for a married filer New York switches to Method III, which applies a flat 10.45% to 11.70% to ALL annualized wages — so at those income levels this estimate runs LOW. Use the New York State Department of Taxation and Finance's own NYS-50-T-NYS tables for an official figure.
Verified 2026-07-31 against IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — section 1, Worksheet 1A and the 2026 Annual Percentage Method Tables for Automated Payroll Systems; FICA rates and wage base from IRS Publication 15 (2026) (effective 2026-01-01)
Verified 2026-07-31 against New York State Department of Taxation and Finance — NYS-50-T-NYS (1/26), New York State Withholding Tax Tables and Methods, effective January 1, 2026 – December 31, 2026, Method II Exact Calculation Method (Annual Tax Rate Schedule) and Special Tables for Deduction and Exemption Allowances (effective 2026-01-01)
Estimate only — not legal, tax, or financial advice. Only New York's revenue agency can determine your actual amounts.
How this estimate is built
Estimate only: this is an approximation, not a copy of New York's withholding tables. It annualizes your pay, subtracts the NYS-50-T-NYS deduction and exemption allowance and applies the Annual Tax Rate Schedule; it does not compute New York City or Yonkers tax. Two things it cannot reproduce: New York rounds the base amounts in each schedule row (worth a few dollars a year), and above $1,077,550 of annual net wages for a single filer or $2,155,350 for a married filer New York switches to Method III, which applies a flat 10.45% to 11.70% to ALL annualized wages — so at those income levels this estimate runs LOW. Use the New York State Department of Taxation and Finance's own NYS-50-T-NYS tables for an official figure.
Local taxes (New York City and Yonkers levy their own resident income taxes on top of New York State tax, on separate withholding schedules published as NYS-50-T-NYC and NYS-50-T-Y. Yonkers also has a nonresident earnings tax surcharge. None of these are computed here — see the city publication that applies to you.) exist in New York and are not computed here.
New York’s official withholding guidance ↗New York paycheck questions
How much is taken out of a paycheck in New York?
Federal income tax comes out under the IRS Publication 15-T percentage method, along with Social Security at 6.2% and Medicare at 1.45%. New York uses graduated income-tax brackets, applied here to annualized wages after the state's standard deduction and exemptions. Enter your gross pay above for an estimate of the total.
What is the New York income tax rate for 2026?
New York uses graduated income-tax brackets, applied here to annualized wages after the state's standard deduction and exemptions. The figure was transcribed from New York State Department of Taxation and Finance — NYS-50-T-NYS (1/26), New York State Withholding Tax Tables and Methods, effective January 1, 2026 – December 31, 2026, Method II Exact Calculation Method (Annual Tax Rate Schedule) and Special Tables for Deduction and Exemption Allowances and verified on 2026-07-31. Because withholding tables and annual calculations differ slightly, treat the result as an estimate and check it against the state's own table.
Why does this differ from my actual pay stub?
Two reasons. Pre-tax items — retirement contributions, health premiums, HSA deductions — reduce taxable pay and are not modelled here. And this uses an annualized approximation of the state's schedule rather than the exact withholding tables your employer's payroll system uses, which is disclosed on every result.
Are local taxes included in the New York estimate?
No. New York City and Yonkers levy their own resident income taxes on top of New York State tax, on separate withholding schedules published as NYS-50-T-NYC and NYS-50-T-Y. Yonkers also has a nonresident earnings tax surcharge. None of these are computed here — see the city publication that applies to you. appear in New York but vary by locality, so they are disclosed rather than computed. Your city or county revenue office publishes the applicable rate.
Other states & tools
New York withholding alerts — when rates and tables change
One email when the numbers change. Double opt-in, no spam, unsubscribe anytime.