New York State & NYC Resident 2026 Schedules
New York Paycheck Calculator 2026
Calculate your exact net take-home salary in New York. Features official 2026 NYS progressive tax brackets (4.0% to 10.90%), optional New York City (NYC) local resident tax (3.078% to 3.876%), NY Paid Family Leave (PFL), IRS federal taxes, and FICA.
Salary & Withholding Inputs
Live Compute
Net Take-Home Pay (NYC Resident)
$2,708.57
Per Paycheck (Bi-Weekly)
Annual Net Take-Home
$70,422.71
70.4% of Gross Pay
Total Taxes
$29,577.29
State + City Tax
$8,392.84
Effective Tax Rate
29.6%
New York & Federal Withholding Breakdown 2026 Statutory Rates
Gross Annual Salary
Base pre-tax compensation
$100,000.00
New York State Income Tax (NYS)
Form IT-201 Brackets (4.0% – 6.0%)
-$4,951.75
-$190.45 / check
New York City Local Tax (NYC)
NYC Resident Surcharge (3.078% – 3.876%)
-$3,441.09
-$132.35 / check
NY Paid Family Leave (PFL) & SDI
0.373% PFL + $31.20 Statutory Disability
-$364.45
-$14.02 / check
Federal Income Tax
IRS Rev. Proc. 2025-32 Brackets
-$13,170.00
-$506.54 / check
Social Security Tax (OASDI)
6.2% up to $184,500 wage base limit
-$6,200.00
-$238.46 / check
Medicare Tax
1.45% un-capped hospital insurance
-$1,450.00
-$55.77 / check
Net Take-Home Pay
Actual amount deposited in bank
$70,422.71
$2,708.57 / check
2026 New York State (NYS) Income Tax Brackets
New York State employs a graduated personal income tax structure from 4.0% to 10.90%. For NYC residents, New York City local personal income taxes (3.078% to 3.876%) are layered on top, creating a top combined state and local rate of 14.776% for multi-million dollar earners.
| NYS Tax Rate | Single Filers Taxable Income | Married Filing Jointly |
|---|---|---|
| 4.00% | $0 – $8,500 | $0 – $17,150 |
| 4.50% | $8,500 – $11,700 | $17,150 – $23,600 |
| 5.25% | $11,700 – $13,900 | $23,600 – $27,900 |
| 5.50% | $13,900 – $80,650 | $27,900 – $161,550 |
| 6.00% | $80,650 – $215,400 | $161,550 – $323,200 |
| 6.85% | $215,400 – $1,077,550 | $323,200 – $2,155,350 |
| 9.65% | $1,077,550 – $5,000,000 | $2,155,350 – $5,000,000 |
| 10.90% | Over $5,000,000 | Over $5,000,000 |
Frequently Asked Questions: New York & NYC Taxes
What is the difference between NY State Tax and NYC Local Tax?
New York State tax is levied on all residents of New York State and nonresidents earning income inside the state. New York City tax is an additional municipal income tax levied strictly on residents who reside inside the five NYC boroughs (Manhattan, Brooklyn, Queens, Bronx, and Staten Island).
What is New York Paid Family Leave (PFL) withholding in 2026?
Under New York State law, employees contribute 0.373% of their gross wages to fund New York Paid Family Leave (PFL). The maximum annual employee deduction is capped based on the New York Statewide Average Weekly Wage ($333.25 maximum for 2026).