Your take-home pay every two weeks
$0
| Item | Per paycheck | Per year |
|---|
Estimates for 2026 using federal brackets from IRS Rev. Proc. 2025-32 and state rates from the Tax Foundation. Your employer’s withholding tables, W-4/state forms and benefits can change your actual paycheck. Not tax advice.
Enter your pay and choose how often you’re paid. The calculator uses 2026 federal brackets and New York’s 2026 tax rules. Results are estimates: your employer’s withholding can differ slightly.
New York income tax rates (2026)
New York has a graduated income tax from 3.9% to 10.9%. Brackets for single filers:
| Taxable income | Rate |
|---|---|
| $0-$8,499 | 3.9% |
| $8,500-$11,699 | 4.4% |
| $11,700-$13,899 | 5.15% |
| $13,900-$80,649 | 5.4% |
| $80,650-$215,399 | 5.9% |
| $215,400-$1,077,549 | 6.85% |
| $1,077,550-$4,999,999 | 9.65% |
| $5,000,000-$24,999,999 | 10.3% |
| $25,000,000 and up | 10.9% |
Married filing jointly
| Taxable income | Rate |
|---|---|
| $0-$17,149 | 3.9% |
| $17,150-$23,599 | 4.4% |
| $23,600-$27,899 | 5.15% |
| $27,900-$161,549 | 5.4% |
| $161,550-$323,199 | 5.9% |
| $323,200-$2,155,349 | 6.85% |
| $2,155,350-$4,999,999 | 9.65% |
| $5,000,000-$24,999,999 | 10.3% |
| $25,000,000 and up | 10.9% |
Deductions and exemptions
| Deduction | Single | Married jointly |
|---|---|---|
| Standard deduction | $8,000 | $16,050 |
| Per dependent (exemption) | $1,000 | $1,000 |
Other New York payroll deductions
| Program | Employee rate (2026) | Applies to |
|---|---|---|
| Paid Family Leave (PFL) | 0.432% | up to $95,347 of wages |
| Disability benefits (DBL, $0.60/week) | - | flat $31.20/year |
Rates are for employees of larger employers; some programs charge different shares at small employers.
Local taxes in New York
New York City residents pay city income tax of 3.078%-3.876%, and Yonkers residents pay a surcharge. Enter about 3.9% for most NYC earners.
Minimum wage and final pay in New York
Minimum wage: $16.00 to $17.00 an hour. Next: No increase on January 1, 2027 (a legal off-ramp was triggered). A March 1, 2027 increase is proposed but not law.. Tipped cash wage: varies by region and industry. Final paycheck if fired: next scheduled payday. Rules checked October 25, 2026; see New York minimum wage and final pay rules.
Take-home pay examples in New York (2026)
Single filer, paid every two weeks, no dependents or pre-tax deductions.
| Salary | Federal income tax | Social Security + Medicare | New York taxes | Take-home pay | Per paycheck |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,767 | $32,553 | $1,252 |
| $60,000 | $5,020 | $4,590 | $2,933 | $47,457 | $1,825 |
| $80,000 | $8,770 | $6,120 | $4,100 | $61,010 | $2,347 |
| $100,000 | $13,170 | $7,650 | $5,303 | $73,877 | $2,841 |
| $150,000 | $24,734 | $11,475 | $8,253 | $105,538 | $4,059 |
Federal taxes on every New York paycheck
- Federal income tax: 10% to 37% on income above the $16,100 standard deduction (single) or $32,200 (married filing jointly). See 2026 tax brackets.
- Social Security: 6.2% of wages up to $184,500.
- Medicare, 1.45% of all wages, plus 0.9% above $200,000.
How to take home more
- Contribute to a 401(k) or 403(b), it lowers federal and New York income tax now.
- Use HSA or FSA accounts for health costs; they usually avoid federal income tax and FICA.
- Check your W-4: a big refund means too much is withheld. See how to fill out a W-4.
Frequently asked questions
How much is $75,000 a year after taxes in New York?
About $57,784 a year, or $2,222 every two weeks, for a single filer with no pre-tax deductions. Use the calculator for your exact situation.
Does New York have a state income tax?
Yes: 3.9%-10.9% (graduated).
Why is my paycheck different from this estimate?
Employers withhold using IRS and state withholding tables, which approximate your annual tax. Benefits, W-4 choices, bonuses and local taxes also change each paycheck.
Questions from readers
Question about New York? Ask it here. We answer general questions on this page. For your own situation, check with a tax professional.
