New York Paycheck Calculator

How the New York paycheck calculator works

This calculator estimates your take-home pay by applying four layers of US payroll taxes to your gross annual salary: federal income tax, New York state income tax, Social Security (6.2%), and Medicare (1.45%). High earners pay an additional 0.9% Medicare surtax above the IRS threshold.

Federal income tax

Federal tax uses progressive brackets ranging from 10% to 37%. Each dollar is taxed only at the rate of the bracket it falls into — this is called your marginal rate, not your effective rate. The calculator applies the 2025 IRS brackets (Rev. Proc. 2024-40) and the $15,000 standard deduction for single filers.

New York state income tax

New York uses progressive state tax brackets sourced from New York Department of Taxation and Finance (tax.ny.gov), 2025 tax year. The state standard deduction is automatically applied based on your filing status.

New York City city income tax

If you live in New York City, you owe a city income tax on top of New York State tax — about 3.08% to 3.88% depending on income. New York City residents (the five boroughs) pay it; commuters and the rest of New York State do not. Most paycheck calculators leave this out, which is why a real NYC paycheck often comes in lower than a generic estimate. Tick the "Do you live in New York City?" box above to include it, applied to the same taxable income as your state tax. Source: New York City resident income tax rates, NY Dept. of Taxation and Finance (Form IT-201 instructions), 2025 tax year.

FICA (Social Security + Medicare)

FICA taxes are flat: 6.2% Social Security on wages up to the 2025 cap of $176,100, plus 1.45% Medicare on all wages. Single filers earning over $200,000 pay an additional 0.9% Medicare surtax on income above that threshold.