How it works
The calculator starts from your gross pay for the year and takes out, in order: pre-tax 401(k) and health insurance, federal income tax (2026 brackets after the standard deduction, minus $2,200 per child and $500 per other dependent), Social Security (6.2% up to $184,500), Medicare (1.45%, plus 0.9% above $200,000), and state and local taxes. Then it divides by the number of paychecks in a year.
Take-home = gross − pre-tax deductions − federal tax − Social Security − Medicare − state and local taxes
New York State income tax uses the 2026 withholding tables (NYS-50-T-NYS, Jan 2026). New York City residents pay city tax too (tick the box); Yonkers is not included. Also takes off NY disability (0.5%, up to $0.60 a week) and Paid Family Leave (0.432%, up to $411.91 a year).
Worked example
A single worker in New York earning $60,000 a year, paid every two weeks, no 401(k): federal income tax $5,020, Social Security $3,720, Medicare $870, New York State tax about $2,676 a year and SDI plus Paid Family Leave $290. Take-home is about $1,823.99 per paycheck.
Frequently asked questions
What is the New York State income tax rate in 2026?
From 3.9% on the first dollars up to 10.9% on very high incomes. Most workers pay a top rate of 5.4% to 6.85%. Rates for the lower brackets went down in 2026.
Do I pay New York City tax?
Only if you live in one of the five boroughs. NYC tax is about 3% to 3.9% of income. People who work in NYC but live elsewhere don't pay it.
What are the SDI and PFL deductions on my NY paycheck?
Disability insurance (SDI) is 0.5% of wages up to $0.60 a week. Paid Family Leave in 2026 is 0.432% of wages, up to $411.91 a year.
Is this paycheck calculator exact?
No, it's an estimate. It uses 2026 tax tables and the standard deduction, but your real paycheck also depends on your W-4, other deductions and your employer's payroll system.
What is the 2026 Social Security wage limit?
$184,500. Social Security tax (6.2%) stops once you've earned that much in the year. Medicare (1.45%) has no limit, and an extra 0.9% applies above $200,000.
How much is the 2026 standard deduction?
$16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household.