New York Paycheck Calculator 2026

A New York paycheck passes through more hands than most. The federal layer is universal: income tax withheld per your W-4, Social Security at 6.2% on wages up to the $184,500 base, and Medicare at 1.45% on every dollar. New York then adds a progressive state income tax that climbs through nine brackets to a top rate of 10.9%, plus a State Disability Insurance deduction of 0.5% of wages and a separate Paid Family Leave premium. Live or work in New York City and a municipal income tax of 3.078% to 3.876% stacks on as well.

Those extra lines are what make a New York stub look busy. SDI is capped at roughly sixty cents a week under the state's Disability Benefits Law, so it's a small fixed bite, while the PFL premium is a percentage of wages set each year by the state. A Yonkers resident carries a 16.75% surcharge on their state tax on top of everything. Pre-tax 401(k) money, up to the $24,500 deferral limit, trims the federal and state income tax pieces but not Social Security or Medicare.

On a $60,000 salary, New York's graduated income tax, topping out at 10.9%, comes to about $2,643 a year for a single filer after the state's own deductions and exemptions — on top of $4,590 in federal FICA, which is the same in every state. 39 of the 42 states that tax income have a lower top rate than New York's 10.9%.

The state minimum wage is $17.00/hr , above the federal $7.25 floor — about $35,360 a year at 40 hours a week. New York also withholds for state disability insurance and paid family leave, which most states do not. Local jurisdictions add their own layer on top — see the note below.