Estimate your New York take-home pay per paycheck: federal tax, FICA, state income tax, plus pre-tax 401(k) and health deductions. Single-filer 2026 model; nothing you enter leaves your browser.
Direct answer
What does this tool do?
New York Paycheck Calculator computes the result directly in your browser — Estimate your New York take-home pay per paycheck: federal tax, FICA, state income tax, plus pre-tax 401(k) and health deductions. Single-filer 2026 model; nothing you enter leaves your browser. Nothing you enter is uploaded or stored.
Tax year 2026 · This state's brackets are an unverified planning estimate — they have not been checked against the New York revenue department's current 2026 withholding tables and may be stale. · Informational, not tax advice.
The big picture
How a New York paycheck breaks down
New York has 8 graduated income-tax brackets (top 10.90%). Federal income tax uses 2026 single-filer brackets with the $16,100 standard deduction; FICA is 6.2% Social Security (up to $184,500 of wages) plus 1.45% Medicare.
Calculator
Estimated take-home per paycheck
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Per paycheck
Gross
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Pre-tax deductions
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Federal income tax
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State income tax
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FICA (SS + Medicare)
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Effective combined income-tax rate: -
How the state tax is sliced
Rate
Taxed slice
Tax
Single-filer illustration with the standard deduction; excludes credits, exemptions, retirement catch-ups, and local/city taxes. This state's brackets are an unverified planning estimate — they have not been checked against the New York revenue department's current 2026 withholding tables and may be stale. Tax year 2026; verify with the New York revenue department. Not tax advice.
How New York take-home pay is calculated for tax year 2026. The state brackets shown are an unverified planning estimate, not a verified 2026 withholding table.Methodology
How this estimate works
Annual gross minus pre-tax 401(k)/health contributions minus the standard deduction is taxed through the 2026 federal single-filer brackets. Social Security takes 6.2% of gross wages up to $184,500; Medicare takes 1.45% of all wages (0.9% additional above $200,000 single). State income tax applies the New York table to wages after pre-tax deductions. Everything divides by your pay frequency.
Take a single filer with a $75,000 salary, no 401(k) or health deductions, paid every two weeks (26 checks). Federal taxable income is $75,000 minus the $16,100 standard deduction, or $58,900. That slices as: 10% on the first $12,400 ($1,240), 12% from $12,400 to $50,400 ($4,560), and 22% on the remaining $8,500 ($1,870). Federal income tax is $7,670 per year, or $295.00 per paycheck.
FICA is flat, not bracketed: Social Security takes 6.2% of $75,000 ($4,650, or $178.85 per check) and Medicare takes 1.45% ($1,087.50, or $41.83 per check). New York state tax applies the state table to the full $75,000: 4% up to $8,500 ($340), 4.5% to $11,700 ($144), 5.25% to $13,900 ($115.50), then 5.5% on the remaining $61,100 ($3,360.50), for $3,960 per year, or $152.31 per check.
Adding the four lines: $295.00 + $178.85 + $41.83 + $152.31 = $667.99 withheld per check, leaving estimated take-home pay of about $2,216.63. The effective combined income-tax rate is ($7,670 + $3,960) / $75,000, or about 15.5%. FICA adds another 7.65% on top, which is why the per-check withholding total looks much heavier than the income-tax rate alone.
Where this estimate goes wrong in practice
The biggest gap is withholding mechanics. Real paychecks use the IRS percentage-method tables, which annualize each check and apply the Form W-4 steps; someone claiming dependents or a second job adjustment will see different federal withholding than this flat-bracket estimate, even though the year-end liability is the same. New York State Form IT-2104 does the same for state withholding, and an IT-2104-E certificate can exempt an employee from state withholding entirely if they owed no state tax last year and expect none this year.
Local taxes are the other blind spot for this state. A New York City resident earning the same $75,000 owes roughly 3.876% city tax on top of the state table, about $2,650 more per year, or roughly $102 per biweekly check, and Yonkers residents pay a resident surcharge too. Neither is modeled here.
Edge cases that move the number: a bonus is withheld at a flat 22% federal supplemental rate, not your bracket rate; wages above $200,000 add the 0.9% Additional Medicare Tax; the Social Security wage base of $184,500 means high earners stop paying the 6.2% partway through the year, so their December checks jump. And this page's New York brackets are an unverified planning estimate, so a late legislative change to the state table would not be reflected until checked against current revenue department withholding publications.
