New York Paycheck Calculator 2026: State, NYC & Yonkers Tax
Estimate hourly or salary take-home pay with 2026 federal withholding, New York State tax, New York City resident tax, Yonkers resident or nonresident tax, Social Security, Medicare, Paid Family Leave, disability deductions, overtime, and benefits.
New York Hourly and Salary Paycheck Calculator
Choose hourly or annual salary pay, then add your pay schedule, filing status, location, withholding allowances, deductions, and extra withholding. The result estimates one representative paycheck and converts it into weekly, monthly, and annual planning amounts.
Enter your details and calculate a representative paycheck.
How to Calculate a New York Paycheck
Weekly, Biweekly, Semimonthly and Monthly Pay
This live table converts the calculator result into common budgeting periods. It is especially useful when comparing job offers with different payroll schedules.
| Planning period | Estimated gross | Estimated take-home | Common use |
|---|---|---|---|
| Weekly | $0.00 | $0.00 | Hourly budgeting |
| Biweekly | $0.00 | $0.00 | 26-check payroll |
| Semimonthly | $0.00 | $0.00 | Two checks each month |
| Monthly | $0.00 | $0.00 | Rent and bill planning |
| Annual | $0.00 | $0.00 | Job-offer comparison |
New York State, NYC and Yonkers Paycheck Tax
Two employees with identical gross wages can receive different take-home pay because New York State, New York City, and Yonkers use different withholding rules.
| Location | What the calculator adds | Who usually selects it | Important check |
|---|---|---|---|
| New York State outside NYC/Yonkers | New York State withholding | Residents elsewhere in New York | Nonresident allocation and credits can change final tax |
| New York City resident | NY State + NYC resident withholding | Residents of Manhattan, Brooklyn, Queens, the Bronx, or Staten Island | Working in NYC alone generally does not create NYC resident tax |
| Yonkers resident | NY State + Yonkers resident surcharge estimate | People whose residence is in Yonkers | Confirm address and Form IT-2104 settings |
| Yonkers nonresident worker | Yonkers nonresident earnings-tax estimate | People living outside Yonkers with covered Yonkers wages | Work allocation and employer location rules may matter |
The 2026 NYC resident withholding tables apply a separate city calculation after payroll deductions and allowances.
The 2026 resident method uses a surcharge calculation tied to New York State withholding.
The nonresident method generally uses a 0.50% earnings-tax rate with lower-wage exclusions in the official schedule.
For an address near a jurisdiction boundary, verify the correct tax jurisdiction before changing payroll. Review New York withholding guidance.
New York Paycheck Mini Tools
Use these calculators for common related searches: hourly to annual pay, salary to hourly, overtime gross pay, NYC tax difference, bonus withholding, and pay-frequency conversion.
Hourly to Annual Gross Pay
Salary to Hourly Converter
New York Overtime Gross Pay
NYC Resident Tax Difference
One-Time Bonus Withholding Helper
Pay Frequency Converter
New York Overtime Pay After Tax
Most covered nonexempt employees receive at least one and one-half times the regular rate for hours over 40 in a workweek. Exemptions, industry wage orders, residential work, commissions, nondiscretionary bonuses, and contracts can change the legally required calculation.
| Pay item | Basic formula | What changes take-home pay |
|---|---|---|
| Regular hourly pay | Hourly rate × regular hours | Federal, state, local, FICA, PFL, and benefits |
| Overtime gross pay | Regular rate × 1.5 × overtime hours | Higher gross can raise annualized withholding |
| Bonus or commission | May be supplemental wages or part of the regular-rate calculation | Payroll method and whether the payment is discretionary |
| Weekend or holiday work | Not automatically overtime under federal law | Contract, policy, union agreement, or wage order |
Review federal overtime guidance and check New York wage information.
2026 New York Minimum Wage and Tipped Pay
From January 1 through December 31, 2026, the basic minimum wage is $17.00 per hour in New York City, Long Island, and Westchester County, and $16.00 per hour in the remainder of New York State.
| 2026 area | Basic minimum wage | Payroll planning note |
|---|---|---|
| New York City | $17.00/hour | NYC residents may also have city income-tax withholding |
| Long Island and Westchester | $17.00/hour | The matching wage rate does not create NYC resident tax |
| Remainder of New York State | $16.00/hour | Industry-specific wage orders may apply |
Verify the 2026 New York minimum wage and review tipped-worker rules.
New York Paycheck Deductions Explained
| Deduction | Included? | 2026 treatment used | Why a real check may differ |
|---|---|---|---|
| Federal income tax | Yes | Simplified annualized 2026 brackets and deduction | Publication 15-T and Form W-4 are more detailed |
| New York State withholding | Yes | NYS-50-T-NYS annualized schedule | IT-2104 allowances, allocation, credits, and employer method |
| New York City resident tax | When selected | NYS-50-T-NYC annualized schedule | Residence, allowances, and payroll setup |
| Yonkers tax | When selected | Resident surcharge or nonresident earnings-tax method | Allocation and employer-location rules |
| Social Security | Yes | 6.2% up to the $184,500 wage base | Year-to-date wages and multiple employers |
| Medicare | Yes | 1.45% plus an estimated additional Medicare amount above the selected threshold | Employer withholding rules use a statutory wage threshold |
| NY Paid Family Leave | Optional, on by default | 0.432%, annual cap $411.91 | Coverage exemptions and year-to-date contributions |
| NY disability contribution | Optional estimate | 0.5% of wages, capped at $0.60 per week | Employer plan and payroll method |
| Benefits and retirement | When entered | User chooses income-tax-only or income-tax-and-FICA treatment | Each benefit plan has its own tax treatment |
Why Your Actual New York Paycheck May Be Different
- Your employer uses the complete federal Publication 15-T payroll method rather than a simplified annual tax estimate.
- Your Form IT-2104 allowances or extra withholding differ from the values entered here.
- New York City or Yonkers location is selected incorrectly, or the address is near a jurisdiction boundary.
- Year-to-date wages are near the Social Security or Paid Family Leave annual cap.
- A 401(k), pension, HSA, FSA, health plan, commuter benefit, or union deduction has a different tax treatment.
- The check includes tips, retroactive pay, commission, a bonus, stock compensation, or taxable fringe benefits.
- You have multiple jobs, a working spouse, nonresident income allocation, or credits not represented by the basic fields.
Official 2026 New York and Federal Payroll Sources
Use official instructions before changing withholding, disputing payroll, filing a wage claim, or making a tax decision.
Official 2026 New York State payroll schedules.
Open NYS-50-T-NYSOfficial 2026 NYC resident payroll methods.
Open NYS-50-T-NYCOfficial resident and nonresident methods.
Open NYS-50-T-YAllowances and New York withholding guidance.
Read IT-2104 instructionsOfficial 2026 regional and tipped-worker rates.
Check minimum wageOfficial 2026 rate and annual maximum notice.
Open the 2026 PFL noticeIRS Publication 15-T for payroll withholding.
Read IRS Publication 15-TOfficial 2026 taxable maximum and OASDI rate.
Check the SSA wage baseNew York Paycheck Calculator FAQs
Does New York have state income tax on paychecks?
Yes. New York employers generally withhold state income tax from covered wages using the employee’s Form IT-2104 information and current New York withholding tables.
Does New York City have a separate paycheck tax?
New York City residents generally have a separate city resident withholding calculation in addition to New York State withholding. Merely working in New York City does not usually make a nonresident subject to NYC resident tax.
How does Yonkers tax affect a paycheck?
Yonkers residents can have a resident surcharge calculation, while certain people who live outside Yonkers but earn covered wages there can have a nonresident earnings tax. The calculator includes separate options for both situations.
What is the New York minimum wage in 2026?
The basic 2026 minimum wage is $17.00 per hour in New York City, Long Island, and Westchester County, and $16.00 per hour in the remainder of New York State. Separate rules can apply to tipped and industry-specific workers.
What is the New York Paid Family Leave deduction for 2026?
The 2026 employee contribution is 0.432% of wages each pay period, capped at an annual maximum of $411.91. Coverage and exemptions can change whether the deduction appears on a specific paycheck.
Can this calculator estimate both hourly and salary pay?
Yes. Hourly mode uses regular and overtime hours, while salary mode converts annual salary into weekly, biweekly, semimonthly, or monthly pay.
Does the calculator include overtime?
Yes. Hourly mode calculates overtime at 1.5 times the regular hourly rate. Eligibility and the legally required regular rate can differ for exempt workers, commissions, bonuses, and special industries.
Can I calculate a biweekly New York paycheck?
Yes. Select biweekly to use 26 pay periods per year. The result also shows weekly, monthly, and annual planning amounts.
Why is my actual paycheck different from the estimate?
Actual payroll can differ because of Form W-4, Form IT-2104, year-to-date wages, multiple jobs, taxable benefits, local-tax location, bonuses, tips, credits, deductions, and the employer’s exact payroll method.
How are bonuses and commissions withheld in New York?
A separately identified supplemental payment may use official supplemental rates or may be combined with regular wages under an approved payroll method. Federal, New York State, NYC, Yonkers, Social Security, and Medicare treatment may all affect the payment.
Do pre-tax deductions reduce every payroll tax?
No. A deduction can reduce federal and state income-tax wages without reducing Social Security or Medicare wages. Traditional 401(k) contributions commonly reduce income-tax wages but not FICA wages, while some cafeteria-plan benefits may reduce both.
Is this official tax or payroll advice?
No. This is a planning tool. Use official IRS, Social Security, New York Tax Department, Department of Labor, and Workers’ Compensation Board resources for payroll changes, tax filing, wage claims, or legal decisions.