Quick Answer: A pay stub calculator for New York subtracts federal tax, FICA, New York State tax, NYC or Yonkers tax (if you live there), SDI, and Paid Family Leave from your gross pay. A single filer earning $60,000 upstate takes home about $47,500 a year.
Key Takeaways
- New York pay stubs carry extra lines: state tax, SDI, Paid Family Leave, and city tax for NYC and Yonkers residents.
- 2026 federal standard deduction: $16,100 (single). New York’s is only $8,000.
- NYC residents pay 3.078% to 3.876% in city income tax. Commuters who live elsewhere do not.
- A $100,000 salary nets about $73,900 upstate and about $70,400 in NYC.
- Other states differ widely. Nine states tax no wages, and the rest use flat or graduated rates.
What Is a Pay Stub Calculator for New York?
A pay stub calculator for NY estimates what your paycheck should look like before you receive it. It converts gross pay into net pay and shows each tax and deduction as its own line.
Employees use it to verify a real pay stub. Job seekers use it to compare offers. HR teams use it to check payroll runs.
Whether you search for a NY paycheck calculator, an NYS paycheck calculator, or a paycheck calculator for NY, the math follows the same steps below.
How to Calculate Your Net Pay in New York
Follow these steps to build your own estimate.
- Start with gross pay for the pay period.
- Subtract pre-tax deductions, such as 401(k), health premiums, HSA, and commuter benefits.
- Calculate federal income tax using your W-4.
- Subtract FICA: 6.2% Social Security and 1.45% Medicare.
- Calculate New York State tax using your IT-2104 allowances.
- Add NYC or Yonkers tax if you live in either city.
- Subtract SDI and Paid Family Leave.
- Subtract post-tax deductions, then arrive at net pay.
What Appears on a New York Pay Stub?
New York Labor Law requires employers to give employees a wage statement with each payment. The statement lists pay rates, hours or days worked, gross wages, deductions, and net wages.
| Pay Stub Line | What It Means |
|---|---|
| Gross wages | Earnings before any deduction |
| Federal withholding | Income tax based on your W-4 |
| Social Security (OASDI) | 6.2% of wages up to the annual wage base |
| Medicare | 1.45% of all wages |
| NYS withholding | State income tax based on your IT-2104 |
| NYC or Yonkers withholding | City tax for residents only |
| NY SDI | State disability insurance |
| NY PFL | Paid Family Leave contribution |
| Pre-tax deductions | Health, 401(k), HSA, FSA, commuter benefits |
| Net pay | Your take-home amount |
| Year-to-date (YTD) totals | Running totals for each line |
Check your YTD gross against your W-2 each January.
What Federal Taxes Come Out of a New York Paycheck?
Federal income tax, Social Security, and Medicare come out of every check. The 2026 federal standard deduction is $16,100 for single filers and $32,200 for joint filers.
2026 Federal Brackets (Single Filers)
| Rate | Taxable Income |
|---|---|
| 10% | Up to $12,400 |
| 12% | $12,401 to $50,400 |
| 22% | $50,401 to $105,700 |
| 24% | $105,701 to $201,775 |
| 32% | $201,776 to $256,225 |
| 35% | $256,226 to $640,600 |
| 37% | Over $640,600 |
Social Security applies to wages up to $184,500 in 2026. Medicare applies to all wages, plus 0.9% above $200,000 for single filers.
How Does New York State Income Tax Work?
New York State uses a graduated system. The state applies nine brackets in 2026, with rates from 4% to 10.9%.
Workers earning between roughly $14,000 and $215,000 face marginal state rates near 5.4% to 6%. Published tables differ slightly on the lowest rates, so confirm the schedule with the NY Department of Taxation and Finance.
New York’s standard deduction is $8,000 for single filers and $16,050 for joint filers. That deduction is far smaller than the federal amount, so more of your income faces state tax.
Form IT-2104: Your State Withholding Form
Complete Form IT-2104 when you start a job. It sets your state allowances, and it tells your employer whether you live in NYC or Yonkers.
Update it after life changes, such as marriage, a move, or a new child.
Do I Pay NYC or Yonkers Income Tax?
NYC residents pay a city income tax. Commuters who live outside the five boroughs do not.
NYC residents pay an additional 3.078% to 3.876% city tax, and Yonkers residents pay a surcharge equal to 16.75% of the state tax.
| NYC Taxable Income (Single) | Rate |
|---|---|
| Up to $12,000 | 3.078% |
| $12,001 to $25,000 | 3.762% |
| $25,001 to $50,000 | 3.819% |
| Over $50,000 | 3.876% |
Nonresidents who work in New York still pay state tax on New York wages. Their home state may tax the income too, but it usually gives a credit.
What Are NY SDI and Paid Family Leave?
New York employees fund two small programs through payroll deductions.
- SDI: Employees pay 0.5% of gross weekly wages, capped at $0.60 per week or $31.20 per year in 2026.
- Paid Family Leave: The 2026 rate is 0.432% of wages, up to an annual maximum of $411.91.
Workers earning about $95,000 or more reach the Paid Family Leave cap.
NY Paycheck Calculator Examples
These estimates assume a single filer, the standard deduction, and no pre-tax deductions or credits. State and city figures are approximate.
| Salary | Location | Annual Net | Monthly Net | Biweekly Net |
|---|---|---|---|---|
| $60,000 | Upstate NY | about $47,460 | about $3,955 | about $1,825 |
| $60,000 | NYC | about $45,570 | about $3,797 | about $1,753 |
| $100,000 | Upstate NY | about $73,880 | about $6,157 | about $2,841 |
| $100,000 | NYC | about $70,440 | about $5,870 | about $2,709 |
New York also applies a tax benefit recapture at higher incomes, which pushes real state tax slightly above these figures.
Hourly Paycheck Estimator: What Does $25 an Hour Pay in New York?
An hourly paycheck estimator starts by annualizing your wage. Multiply your hourly rate by your weekly hours and by 52.
Example at $25 per hour, 40 hours per week:
- Annual gross pay: $52,000
- Federal income tax: $4,060
- FICA (7.65%): $3,978
- New York State tax: about $2,211
- SDI and Paid Family Leave: about $256
| Location | Annual Net | Weekly Net | Effective Hourly |
|---|---|---|---|
| Upstate NY | about $41,495 | about $798 | about $19.95 |
| NYC (adds about $1,584 city tax) | about $39,911 | about $768 | about $19.19 |
Use the same steps with any hourly pay tax calculator.
New York Minimum Wage and Overtime
New York City, Long Island, and Westchester set a $17.00 minimum wage in 2026, and the rest of the state sets $16.00. Confirm current rates with the New York State Department of Labor.
Non-exempt employees earn 1.5 times their regular rate for hours beyond 40 in a workweek.
Monthly Pay Calculator: Convert Any Pay Period
Use this table for a $60,000 salary to see gross pay on each schedule.
| Pay Frequency | Paychecks per Year | Gross per Check |
|---|---|---|
| Weekly | 52 | $1,153.85 |
| Biweekly | 26 | $2,307.69 |
| Semi-monthly | 24 | $2,500.00 |
| Monthly | 12 | $5,000.00 |
Biweekly pay creates two extra-large months each year with three checks. Many New York employers pay semi-monthly or biweekly, and manual workers must receive weekly pay.
How to Calculate Payroll Taxes as an Employer
HR teams need a payroll taxes calculator that covers both sides of the ledger. Employers owe their own taxes on top of what they withhold.
- Match FICA: 6.2% Social Security and 1.45% Medicare on each employee’s wages.
- Pay federal unemployment tax (FUTA): 6.0% on the first $7,000 per employee, usually reduced to an effective 0.6% by a state credit.
- Pay state unemployment insurance (SUI): Employers fund it in New York on a capped wage base that adjusts each year.
- Withhold employee taxes: federal, state, local, SDI, and Paid Family Leave.
- Pay local employer taxes where they apply, such as the metropolitan commuter transportation tax for employers in the NYC region.
- File and deposit on schedule.
Employers should check current wage bases and rates with the IRS and the New York State Department of Labor each January.
Paycheck Calculator by State: How New York Compares
Many people relocate to or from New York. Use this guide when you search for a state paycheck calculator, because tax systems fall into three groups.
States With No Wage Income Tax
| State | Notes |
|---|---|
| Alaska (AK) | No state income tax; employees pay a small unemployment contribution |
| Florida (FL) | No state income tax |
| Nevada | No state income tax |
| New Hampshire (NH) | No tax on wages |
| Tennessee (TN) | No tax on wages |
| Washington (WA) | No wage tax; employees pay premiums for WA Cares and paid leave |
Washington levies a graduated tax on capital gains income, with a top rate of 9.9% on gains above $1 million. A Washington paycheck calculator, WA paycheck calculator, or Washington State paycheck calculator should include those payroll premiums.
Texas, Wyoming, and South Dakota also levy no wage income tax.
Flat-Tax States (Approximate 2026 Rates)
Arizona taxes at 2.5%, Illinois at 4.95%, Louisiana at 3%, Michigan at 4.25%, North Carolina at 3.99%, and Pennsylvania at 3.07%. Other flat-tax rates shift each year, so confirm them with your state revenue agency.
| State | Approx. Flat Rate | What to Add |
|---|---|---|
| Pennsylvania (PA) | 3.07% | Local earned income tax; Philadelphia charges more |
| Arizona (AZ) | 2.5% | Little else on most checks |
| Indiana | about 3% | County income taxes |
| Louisiana | 3% | State unemployment and other items vary |
| Kentucky (KY) | 3.5% | Local occupational taxes |
| Michigan | 4.25% | City taxes in Detroit and other cities |
| Colorado | about 4.4% | Paid family leave (FAMLI) premiums |
| Utah | about 4.5% | None on most checks |
| Illinois | 4.95% | None; see the Illinois rules |
| Georgia (GA) | about 5% | Rate phasing down |
| Massachusetts (MA) | 5% | 4% surtax on income above about $1 million; paid leave contributions |
| Idaho | about 5.3% | None on most checks |
A Pennsylvania paycheck calculator (or PA paycheck calculator) must add local earned income tax. A Massachusetts paycheck calculator, MA paycheck calculator, or mass paycheck calculator must add the paid family and medical leave contribution.
Graduated-Tax States
| State | Structure | Approx. Top Rate |
|---|---|---|
| California (CA) | Graduated, plus 1.3% SDI | 12.3% (+1% above $1 million) |
| Connecticut (CT) | Graduated, plus paid leave contribution | 6.99% |
| Maryland | Graduated plus county tax | 6.5% state top rate |
| Virginia | Graduated | 5.75% |
| Minnesota (MN) | Graduated, paid leave began 2026 | 9.85% |
| Wisconsin | Graduated | 7.65% |
| Missouri | Graduated | about 4.7% |
| Alabama | Graduated | 5% |
| Oklahoma | Graduated | 4.75% |
| South Carolina (SC) | Graduated | near 6% |
| Arkansas | Graduated | 3.7% |
| Kansas | Two brackets | about 5.6% |
| Nebraska | Graduated | 4.55% |
| Oregon | Graduated plus paid leave and transit taxes | 9.9% |
| Maine | Graduated | 7.15% |
| West Virginia (WV) | Graduated, rates falling | Varies |
| Montana | Graduated, recently simplified | Varies |
Arkansas cut its top income tax rate from 6.9% to 3.7% over five years, with the latest step retroactive to January 1, 2026. Maryland added high-earner brackets in 2025, yielding a top marginal rate of 6.5%, and raised the cap on county income tax rates to 3.3%.
Rates and brackets change often. Always verify them on your state’s revenue website, and use a calculator built for that state.
Take-Home Pay on $100,000 by State
This table shows how location changes pay for a single filer in 2026. Figures include federal tax, FICA, state income tax, and New York’s payroll programs, and they ignore local taxes and credits.
| Location | Approx. Annual Net |
|---|---|
| Texas, Florida, Nevada, Tennessee, or Washington | about $79,180 |
| Pennsylvania (before local tax) | about $76,110 |
| Arizona | about $77,080 |
| Colorado | about $75,490 |
| Illinois | about $74,375 |
| California (includes SDI) | about $72,780 |
| New York upstate | about $73,880 |
| New York City | about $70,440 |
New York City costs about $8,700 more per year than a no-income-tax state at this salary. Rent, wages, and benefits also differ, so compare full packages.
Which Paycheck Calculator Should I Trust?
Popular tools from PaycheckCity and ADP give quick answers, and many state tax agencies publish their own calculators. Any tool deserves a check against your real pay stub.
Confirm that your tool:
- Uses 2026 tax tables for federal, state, and local taxes
- Shows NYC and Yonkers lines if you live there
- Lists SDI and Paid Family Leave separately
- Accepts IT-2104 and W-4 inputs
- Handles pre-tax deductions
- Explains its assumptions
If your result differs by more than a few dollars per check, compare each line against your pay stub.
When Do You Pay Capital Gains Tax on Real Estate?
You pay capital gains tax on real estate for the tax year in which you sell, by that return’s due date. If you expect a large bill, make an estimated payment in the quarter of the sale to avoid underpayment penalties.
Quarterly estimated payments fall on April 15, June 15, September 15, and January 15. A sale closing this fall would fall under the January 15, 2027 estimated payment, or you can raise your W-4 withholding instead.
Keep these points in mind:
- Home sale exclusion: Most homeowners exclude up to $250,000 of gain ($500,000 for joint filers) on a primary residence.
- New York taxes gains as ordinary income at the state and, for NYC residents, city level.
- Nonresidents who sell New York property generally owe estimated tax at closing.
How Do I Check My Pay Stub for Errors?
Review every pay stub with this checklist:
- Verify gross pay against your hours or salary.
- Confirm your withholding forms match your filing status and allowances.
- Check for NYC or Yonkers tax if you live there, and make sure you do not pay it if you do not.
- Look for SDI and Paid Family Leave lines.
- Confirm pre-tax deductions match your benefit elections.
- Compare YTD totals with your last stub.
- Report errors to payroll right away.
7 Ways to Increase Your New York Take-Home Pay
- Use pre-tax commuter benefits for transit and parking.
- Contribute to a traditional 401(k) to cut federal and state taxable income.
- Fund an HSA or FSA with pre-tax dollars.
- Update your IT-2104 and W-4 so withholding matches your real tax.
- Claim credits you qualify for.
- Capture your employer match.
- Negotiate salary using net pay, not gross pay, as your benchmark.
Common Mistakes When Using a Pay Stub Calculator
- Applying NYC tax to commuters who do not live in the city
- Forgetting SDI and Paid Family Leave
- Using the federal standard deduction for state tax
- Using outdated brackets from a previous year
- Counting 24 biweekly pay periods instead of 26
- Ignoring local taxes in states like Pennsylvania, Michigan, and Maryland
- Treating withholding as your final tax bill
Frequently Asked Questions
What does a pay stub calculator NY tool show?
It shows gross pay, each tax and deduction, and net pay for a New York paycheck. A good one includes state tax, NYC tax, SDI, and Paid Family Leave.
How much tax comes out of a New York paycheck?
A single upstate worker earning $100,000 loses about 26% to taxes and payroll programs. An NYC resident loses about 30%.
Do I pay NYC tax if I work in the city but live in New Jersey?
No. NYC income tax applies only to residents of the five boroughs. You still pay New York State tax on NYC wages.
What is the difference between a paycheck calculator and a pay stub calculator?
They do the same job. A pay stub calculator emphasizes the line-by-line breakdown you will see on your actual stub.
Which states have no income tax on wages?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming tax no wages.
Does New York require employers to give pay stubs?
Yes. Employers must provide a wage statement with each payment, listing hours, rates, gross wages, deductions, and net pay.
Is the 2026 New York standard deduction the same as the federal one?
No. New York’s is $8,000 for single filers, compared with $16,100 federally.
Final Thoughts
A pay stub calculator for New York turns a confusing payroll statement into a clear set of steps. Subtract federal tax, FICA, state tax, city tax, and the two state payroll programs from your gross pay.
Compare the result with your real pay stub every few months. If you move to or from New York, run your numbers for both states before you sign an offer.
This article provides general educational information, not personalized tax or legal advice. Tax rates and rules change often, so confirm current figures with the IRS, your state revenue agency, or a qualified tax professional.