How your New York paycheck is calculated
Every $100 you earn in New York
- Take-home pay$77
- Federal income tax$10
- Social Security & Medicare$8
- State income tax & NY disability (SDI) & NY Paid Family Leave$5
$75,000 salary, single filer, 2026.
A New York paycheck has six tax lines — federal income tax, Social Security, Medicare, New York State income tax, disability insurance (SDI) and Paid Family Leave — and a seventh if you live in New York City or Yonkers. The calculator works out a full year of each from the 2026 rules and divides by your number of paychecks; tap any line to see the arithmetic and the official source.
New York starts from your federal adjusted gross income, so 401(k) contributions, pre-tax health premiums and HSA contributions lower your state tax. It subtracts a standard deduction of $8,000 for a single filer ($16,050 for a married couple) and $1,000 for each dependent — there is no exemption for yourself — and taxes the rest in nine brackets. For 2026 the five lowest rates were each cut by 0.1 point, to 3.9%, 4.4%, 5.15%, 5.4%, 5.9%.
New York take-home pay at common salaries
The table runs the calculator for a single filer with no pre-tax deductions in 2026. The chart shows how the share you keep changes as pay rises.
| Salary | Take-home per year | Every two weeks | Total tax rate |
|---|---|---|---|
| $30,000 | $25,101 | $965 | 16.3% |
| $40,000 | $32,553 | $1,252 | 18.6% |
| $50,000 | $40,005 | $1,539 | 20.0% |
| $60,000 | $47,457 | $1,825 | 20.9% |
| $75,000 | $57,784 | $2,222 | 23.0% |
| $100,000 | $73,877 | $2,841 | 26.1% |
| $125,000 | $89,728 | $3,451 | 28.2% |
| $150,000 | $105,057 | $4,041 | 30.0% |
| $200,000 | $137,156 | $5,275 | 31.4% |
| $250,000 | $166,792 | $6,415 | 33.3% |
Your numbers will differ if you contribute to a 401(k), pay health premiums, file jointly or have children — enter them in the calculator above.
Take-home on a $75,000 salary by state
Reading your New York pay stub
Payroll software rarely uses the same names as tax law. Here is how the lines in the breakdown above usually appear on a New York pay stub, using a $75,000 salary paid every two weeks.
The recapture above $107,650
New York has a rule most calculators skip. Once your New York AGI passes $107,650, the state starts taking back the savings from its lower brackets, and over the next $50,000 of income it phases them out completely. A single filer with $157,650 or more of income pays 5.9% on all taxable income up to $215,400, not just the part above $80,650. Similar steps happen again at $215,400, $1,077,550 and $5,000,000, and above $25,000,000 everything is taxed at 10.9%.
In that $50,000 band the real rate on each extra dollar is well above the bracket rate. A single filer earning $130,000 owes about $6,884 in state tax, about $254 of it recapture; the calculator includes it and shows the amount when you tap the New York line.
New York City and Yonkers
New York City residents pay a second income tax of 3.078% to 3.876% on the same taxable income, so a city resident’s top combined rate is over 14%. It is based only on where you live: commuters from New Jersey, Long Island or Westchester who work in Manhattan do not pay it. A single city resident earning $75,000 pays about $2,472 in city tax on top of $3,453 in state tax.
Yonkers residents pay a surcharge of 16.75% of their net New York State tax — about $578 on $75,000. People who work in Yonkers but live elsewhere pay 0.5% of their Yonkers wages instead, which the calculator does not include. Choose your city under City tax.
Disability and Paid Family Leave deductions
Two small insurance deductions appear on almost every New York pay stub. Disability (SDI or DBL) is 0.5% of wages but never more than $0.60 a week — $31.2 a year once you earn about $6,240. Paid Family Leave (PFL) is 0.432% of wages in 2026, up to $411.91 a year; it funds up to 12 weeks of paid leave to care for a new child or a sick family member. Some employers pay the disability share for you.
Why your real paycheck can differ
- Credits not included. The Empire State child credit, the New York earned income credit, and the household and school tax credits (state and city) can lower what you owe, especially with children or a lower income.
- Working in New York while living elsewhere. Nonresidents pay New York tax only on New York-source wages and file Form IT-203; the calculator assumes you live in New York.
- Overtime and tips. The federal overtime and tips deductions come after federal AGI, where New York starts, so they do not lower New York or city tax in this calculator.
- Withholding tables. Employers use the NYS-50-T tables, which build in the recapture approximately, so each paycheck can differ a little from the year-end tax.
2027 New York paycheck
Switch the tax year to 2027 to use the new federal brackets, standard deduction and Social Security wage base. The budget law cuts the five lowest rates by another 0.1 point for 2027; we add them once the 2027 withholding tables are published. Until they are out, the New York lines use 2026 figures and the calculator says so above the breakdown. We update the page the day the official numbers are published — see the data changelog.