New York Paycheck Calculator 2026

How this calculator works

The New York State Department of Taxation and Finance publishes withholding tables and an exact calculation method, and this calculator follows the exact method. Your pay is converted to a yearly amount. A combined deduction of $7,400 comes off for the single schedule and $7,950 for the married schedule, and each withholding allowance on Form IT-2104 takes off $1,000 more. What is left is run through the department’s annual rate schedule, which starts at 3.90% and climbs in brackets. Above $1,077,550 of taxable pay ($2,155,350 for the married schedule), a separate “top income tax rates method” applies a single rate to all of it.

This page covers New York State only, and prices New York City and Yonkers separately. The calculator’s result is the state-level figure. A New York City resident has a second tax withheld, and so does a Yonkers resident. We left both out of the calculator because their tax bases differ from the state’s: the city has its own deduction and its own rate schedule, and Yonkers charges a percentage of the state amount. The section “New York City and Yonkers” below shows both, by salary, from the state’s own city and Yonkers tables.

The calculator applies these deductions in this order:

• Federal income tax. Your gross pay minus the federal standard deduction for your filing status, run through the 2026 federal brackets.
• Social Security at 6.2% of gross wages, up to the 2026 wage base of $184,500.
• Medicare at 1.45% of all wages, with no cap, plus the 0.9% Additional Medicare Tax on wages above $200,000.
• New York State income tax: your wages after any 401(k) contribution, minus the deduction and the allowances, run through the annual schedule.
• New York Paid Family Leave at 0.432% of your wages up to $95,349 of pay, which makes $411.91 the most it can take in a year. We explain below why we apply it.
• New York disability insurance at 0.5% of your wages, capped at 60 cents a week. The employer is allowed, but not required, to collect it.

We looked for any other New York payroll deduction that an employer must take from your check and found none beyond New York City and Yonkers income tax, which depend on where you live.

Rates come from the agencies that set them: the IRS for the federal brackets, the standard deduction and FICA, cross-checked against the Social Security Administration for the wage base; and, for New York, the Department of Taxation and Finance’s withholding tables and Form IT-2104, the Department of Financial Services and the Paid Family Leave program for the family leave rate, the Workers’ Compensation Board for disability insurance and the New York Labor Law. Our full sourcing is on the methodology page.

How current the source is. The state publication is NYS-50-T-NYS, dated January 2026 and marked “Effective January 1, 2026 – December 31, 2026.” It says the 2026 personal income tax rate schedules were revised for the rate reductions enacted under Chapter 59 of the Laws of 2025, and that employers must use its revised tables and methods for payrolls made on or after January 1, 2026. We read it, its New York City and Yonkers editions, and the IT-2104 instructions on the agency’s own site on October 21, 2026, and the Sources section links to them. The Paid Family Leave figures come from the program’s 2026 page and the Department of Financial Services decision dated August 29, 2025. The federal figures are the 2026 IRS amounts.

How we checked the formula. We read the department’s annual rate schedule, its tables for each pay period, and twelve of its worked examples (the four single-filer examples for the state and all eight for the city) separately from the calculator’s code. A period-by-period rebuild of the printed method reproduces those examples to within a cent, including $8.01 for a single employee paid $400 a week with three allowances and $3,576.63 for one paid $50,000 a month with three, and the calculator’s yearly method lands within five cents of the four state examples. The calculator’s own figures stay within $0.13 of the printed wage-bracket tables on 617 pay ranges. We also rebuilt every cell of the printed tables, and the section on the printed tables below gives the result.

Withholding is an estimate, not your final bill. The figure here is what an employer takes from each check using the agency’s method, before the rounding in the tables. Your actual New York income tax is figured on your return, so what you owe or get back when you file can differ.

What the calculator deliberately leaves out: New York City and Yonkers taxes, dependents and credits on Form IT-2104, a spouse who works, the “higher single rate” box, extra withholding, bonuses, rounding by your employer, work in another state, optional employer deductions, and health insurance premiums and other employer benefit deductions.

New York State withholding rates and the pay they apply to

The department prints an annual rate schedule, and it applies to what is left of your pay after the deduction and the allowances, not to your pay itself. For a single filer on $75,000, that is $75,000 − $7,400 = $67,600. That falls in the bracket that starts at $13,900, where the tax is $586.00 plus 5.40% of the amount above $13,900: $53,700 × 5.40% = $2,899.80, for a total of $3,485.80. The column on the left of each table shows taxable pay after the deduction and allowances; the second column shows the gross pay at which the bracket starts for a single filer with none.

The single schedule

The married schedule

A married filer has a wider set of brackets between $96,800 and $2,155,350 of taxable pay, and the top income tax rates method starts later.

Why some printed rates look odd

The rates in the schedule do not rise in a straight line. For a single filer the printed rate is 7.03% between $96,800 and $107,650 of taxable pay, 7.53% up to $157,650, then 6.40%, then 11.44% between $215,400 and $265,400, and 7.35% after that. The publication does not explain them, so we do not guess at the reason. We apply them as printed, together with the constant printed for each bracket, and the department’s own worked examples and wage-bracket tables come out right with them.

Because these are withholding rates, they are not the rates on the tax return, and your actual New York tax is figured there.

The top income tax rates method

The exact calculation method stops at $1,077,550 of taxable pay for a single filer and $2,155,350 for a married one. Above those amounts the publication says employers must use a different method: multiply all of the annualized taxable pay by 10.45% up to $5,000,000, by 11.10% from there to $25,000,000, and by 11.70% above that. It is a rate on the whole amount, not on the part above the threshold.

The deduction and the allowance: what changes with your IT-2104

Form IT-2104 is how you tell your employer your filing status and how many allowances to apply, and each one is worth $1,000 a year. The form’s note says single taxpayers with one job and zero dependents should enter 0. The instructions add that if you submit a federal Form W-4 for tax year 2020 or later and do not file an IT-2104, your employer may use zero as your number of allowances. This is how the calculator maps its three choices.

The deduction and allowances come off your pay before the schedule, so each extra $1,000 of allowance is worth $54.00 a year to anyone in the 5.40% bracket. The worksheet adds allowances for each dependent you will claim, for certain credits, and for itemized deductions above the standard amount, and this calculator asks about none of them. The form’s “Single or Head of household” box sends the employer to the single schedule, and the “Married” box sends it to the married one.

New York City and Yonkers

New York State’s publications give employers separate withholding tables for New York City residents and for Yonkers, and Form IT-2104 asks whether you live in either one. The calculator above does not add them. This section prices both so that you can add them yourself, using the same single filer and zero allowances as the rest of the page.

New York City resident tax

The city’s tables subtract $5,000 from yearly pay for a single filer, $5,500 for a married one, and $1,000 for each allowance claimed for the city on the IT-2104. The rest is taxed at 2.05% up to $8,000, 2.80% up to $8,700, 3.25% up to $15,000, 3.95% up to $25,000, 4.15% up to $60,000 and 4.25% above that, with a printed constant for each bracket, and the same schedule applies to single and married filers.

On $75,000, a single filer with no allowances has $75,000 − $5,000 = $70,000 taxed: $2,236.00 plus 4.25% of the $10,000 above $60,000, which is $2,661.00 a year, or $221.75 a month. That is 3.5% of gross pay.

Yonkers resident surcharge and nonresident earnings tax

For a Yonkers resident the tables compute the New York State amount and multiply it by 16.75%. On $75,000, that is $3,485.80 × 16.75% = $583.87 a year. For someone who lives outside Yonkers but earns wages there, the tables apply 0.50% to wages after an exclusion that shrinks to nothing as pay rises. The exclusion is zero from $30,000 of annualized pay ($577 a week), so on $75,000 the tax is $375.00.

What New York City and Yonkers add, by salary

Single filer, no allowances, no retirement contribution. The state column is New York State withholding alone, and each take-home column is the calculator’s take-home pay minus the local amount.

Why the calculator does not add them

Indiana and Maryland have local lines in their calculators because their county taxes are one rate applied to the same taxable pay as the state. New York City has its own deduction, its own set of rates and its own allowance count, and Yonkers charges a share of the state amount, so adding them would need a new kind of local line, a new form field and a new round of tests. We chose to show the numbers on the page and keep the calculator’s result the state-level figure, which is what the department’s state tables produce.

Allowances in New York City

The IT-2104 worksheet counts allowances for the state and Yonkers on line 1 and for the city on line 2, and the worksheet adds 2 to the state count if you expect to be a New York City resident for any part of the year (line 13, the city school tax credit). The form’s note tells a single taxpayer with one job and no dependents to enter 0 on both lines. If you follow the worksheet instead, the two extra state allowances lower the state withholding by $108.00 a year at 5.40%.

Bonuses in the city and in Yonkers

The tables’ flat supplemental rates are 4.25% for New York City and 1.95975% for Yonkers residents, and 0.50% for Yonkers nonresidents, next to 11.70% for the state.

The paid leave and disability deductions, and the other payroll lines

New York Paid Family Leave: up to 0.432% of your pay

New York’s Paid Family Leave program can be paid for in part by employee contributions. The state’s 2026 page says employees will contribute 0.432% of their gross wages per pay period, with a maximum annual contribution of $411.91. The Department of Financial Services decision, dated August 29, 2025, sets the same rate and maximum. The state’s page says the insurance “may be funded by employees through payroll deductions.” Nothing we read makes the employer take it from you, so we treat it as a choice for the employer.

What the maximum deduction costs you

At 0.432%, the deduction is $324.00 a year on $75,000, or $27.00 a month. The maximum the state prints matches the arithmetic on the state average weekly wage, $1,833.63 in 2026: $1,833.63 × 52 = $95,348.76, and 0.432% of that is about $411.91. This calculator takes the maximum and shows it as its own line. It does not subtract the deduction before figuring income tax, because the withholding tables we read start from wages and mention no such subtraction.

New York disability insurance: up to 60 cents a week

The Workers’ Compensation Board says an employer is allowed, but not required, to take a contribution from you to offset the cost of providing disability benefits, calculated at one half of one percent of your wages and no more than 60 cents a week. Over a year that is $31.20, which the calculator applies as 0.5% of your pay up to $6,240. On $75,000, that is $31.20.

Why we apply both maximums

Because the words in the sources are “may” and “allowed, but not required,” your pay stub can show less, or nothing. We apply the maximums so the calculator does not overstate your take-home pay, and we say so wherever the number appears. Without them, take-home pay on $75,000 is about $58,107 instead of $57,752.

Unemployment insurance is not taken from your pay

Section 570 of the New York Labor Law says each liable employer shall pay contributions on all wages, and subdivision 6 says no agreement by an employee to pay any portion of that payment is valid and no employer shall make a deduction for that purpose from an employee’s pay. This calculator has no unemployment line for that reason.

The MCTMT is an employer tax

The metropolitan commuter transportation mobility tax, according to the Department of Taxation and Finance, is imposed on certain employers and self-employed individuals engaging in business within the Metropolitan Commuter Transportation District. We found nothing in the withholding tables or on the department’s page that makes it a deduction from an employee’s pay, and this calculator has no line for it.

Local taxes: New York City and Yonkers exist, and we price them

The state’s withholding publications name two local income taxes on wages, New York City’s and Yonkers’, and the section above prices both. We found no others in the publications we read, which is not proof that none exists, and this calculator adds none.

The printed wage-bracket tables match the formula to within $0.14

Two ways to find the tax

The publication gives employers two ways to find the tax: wage-bracket tables (method I) and the exact calculation method (method II). The tables list the tax for each pay range and for 0 to 10 allowances, for weekly, biweekly, twice-a-month, monthly and daily pay, one set for the single schedule and one for the married schedule. Above a pay level it prints for each period ($650 a week, for instance), it tells employers to use the exact calculation method.

What we found when we rebuilt them

We rebuilt all 6,787 cells of the state’s printed tables from the annual schedule, using the middle of each pay range as the wage. 6,607 of them, 97%, match to the nearest ten cents, and every one of them is within $0.14. The remaining 180 sit at a rounding edge. The department does not say how it rounds its tables, so we report the spread and do not guess at the cause. We also rebuilt the city’s 16,434 cells, and 16,431 of them match to the nearest five cents, with every cell within $0.03.

What it means for your check

Whether your employer uses the tables or the exact method, your New York State withholding should agree with this calculator to within $0.14 per pay period, for a single filer or a married one with no allowances. If your stub shows a larger gap, the cause is almost certainly an input the calculator does not have: allowances, a New York City or Yonkers tax, a pre-tax deduction or extra withholding.

New York hourly paycheck: what your rate is worth after tax

Why we ask for your hours instead of assuming 2,080

Many hourly calculators multiply your rate by 2,080 and call it a year. That is 40 hours a week for 52 weeks, which describes a full-time schedule, not every hourly job. If you work 32 hours a week, or 45 with overtime, the assumed figure is wrong before any tax is applied. The calculator above asks for your hours and uses them. In New York your hours also matter because of the deduction: a single filer earning $7,400 or less a year has no New York State income tax withheld.

What is $20 an hour after taxes in New York?

At 40 hours a week, $20 an hour is $41,600 a year gross. After federal tax, Social Security, Medicare, New York State income tax withholding and the two payroll deductions, that leaves about $33,712 a year, or $2,809.37 a month. Your real hourly rate — what an hour of work actually puts in your bank account — is $16.21. New York State’s share is $1,682.20 of income tax withholding for the year, plus $179.71 of Paid Family Leave and $31.20 of disability insurance at the maximums.

What are $25 and $30 an hour after taxes in New York?

$25 an hour is $52,000 gross and about $41,462 after tax, a real rate of $19.93. $30 an hour is $62,400 gross and about $49,212 after tax, a real rate of $23.66. New York State income tax withholding is $2,243.80 a year at $25 an hour, and $2,805.40 at $30. In New York City, $25 an hour also has $1,696.00 of city withholding, which leaves about $39,766.

Overtime and bonuses

The calculator multiplies your rate by the hours you enter and adds no overtime premium, and it does not model bonuses. The tables say that when supplemental wages such as bonuses and commissions are paid separately, an employer that withholds from regular wages can use the supplemental rate of 11.70% for the state. Ask your employer how it handles a bonus. If you work variable hours, enter the average number of hours you expect to work each week.

New York take-home pay by hourly rate

Single filer, 40 hours a week (2,080 hours a year).

What this calculator does not cover

This tool models federal income tax, Social Security, Medicare and the payroll programs your state actually runs — nothing more. It deliberately leaves out:

• Itemized deductions and federal tax credits — the Child Tax Credit, the Earned Income Tax Credit, education credits. The engine always applies the standard deduction; there is no itemizing path.
• A second job, self-employment income or 1099 pay. Every dollar you enter is treated as one employer’s W-2 wages, taxed at the employee share of Social Security and Medicare — not the self-employment tax a 1099 worker actually owes.
• Pre-tax benefits other than the 401(k) field — health insurance premiums, an HSA or FSA, commuter benefits. The only amount taken out before tax is the percentage you enter for a 401(k).
• New York City and Yonkers income taxes — residents of New York City and Yonkers owe a local income tax that the same Form IT-2104 tells an employer to withhold. This calculator adds no local line for New York, so it shows New York State only. The page prices both local taxes by salary in a separate section, from the state’s own New York City and Yonkers withholding tables. The only local income tax lines in the calculators on this site are on the Indiana and Maryland pages.
• Overtime premiums. An hourly rate is multiplied by the hours you enter; it does not add a time-and-a-half rate for hours worked past 40 in a week.
• Wage garnishments or court-ordered deductions — child support, a wage levy. Your result assumes none exist.
• The Additional Medicare Tax, at the single-filer threshold. The 0.9% surtax above $200,000 is applied at that one figure for every filing status, the way an employer actually withholds it — not the higher threshold a married couple filing jointly may end up owing at tax return time.
• Married filing separately, or a qualifying surviving spouse. The calculator only offers single, married filing jointly, and head of household.

None of these are in the estimate. Some of them change what you owe or get back when you file, and a calculator cannot ask for everything they depend on. See why your pay stub will differ for the details.

Key facts that affect your take-home pay in New York

Nothing is withheld on the first $7,400 of a single filer’s pay

With the $7,400 deduction and no allowances, a single filer’s yearly pay has to pass $7,400 before New York State withholds anything. At $30,000, it withholds $1,055.80; at $50,000, it withholds $2,135.80 a year. A married filer’s threshold is $7,950.

The 5.40% bracket runs from $21,300 to $88,050 of pay

For a single filer with no allowances, the 5.40% bracket runs from $21,300 to $88,050 of yearly pay. Across that range the tax is the $586.00 printed for the bracket plus 5.40% of the amount above $13,900 of taxable pay. On $100,000, a single filer is already past it, with $4,895.05 withheld.

Between about $222,800 and $272,800 of pay the printed rate is 11.44%

For a single filer with no allowances, the schedule’s 11.44% bracket applies to yearly pay from $222,800 to $272,800. A single filer paid $230,000 has $14,192.68 withheld, and one paid $240,000 has $15,336.68, which is $1,144.00 more for $10,000 of pay. At $250,000, New York State withholds $16,480.68.

At about $1,084,950 of pay, one dollar can add about $33,800 of withholding

The top income tax rates method applies one rate to all of the taxable pay, not just the part above a threshold. For a single filer with no allowances, $1,084,949 of yearly pay is withheld at $78,783.95, and $1,084,950 is withheld at $112,603.97, which is $33,820.02 more for one extra dollar. That is how the printed method works, and your actual tax is figured on your return, so it is a feature of withholding and not of what you will owe. On $2,000,000, New York State withholds $208,226.70.

The married schedule is wider, and the deduction is larger

A single filer’s taxable pay is pay minus $7,400. A married filer with no allowances gets $7,950 off and a schedule whose brackets differ above $96,800 of taxable pay. That is why New York State withholds $3,456.10 from that filer on $75,000 and $3,485.80 from a single one. On $150,000 the gap is $250.66: $8,287.08 for the married filer and $8,537.74 for the single one.

Head of household: two allowances on the single schedule

A head of household with one job may claim two allowances on line 15 of the IT-2104 worksheet, $2,000 in all, and the form sends the employer to the single schedule. On $75,000, taxable pay is $65,600 and New York State withholds $3,377.80. The federal tax is lower for a head of household ($5,748.00 on $75,000), so take-home pay is $59,782.

Each allowance is worth between $39.00 and $117.00 a year

The worksheet gives allowances for dependents, for certain credits and for itemized deductions. In the 5.40% bracket an extra allowance lowers yearly withholding by $54.00; in the 3.90% bracket it is $39.00, in the 7.35% bracket $73.50, and $117.00 under the top income tax rates method, which applies 11.70% at the highest pay. This calculator does not ask for dependents or credits, so a worker who claims them on the IT-2104 will see less New York State tax withheld than the figure shown.

Extra withholding is on the form

Lines 3, 4 and 5 of the IT-2104 are for an additional amount you want withheld from each paycheck for the state, the city and Yonkers. The instructions say that if you calculate a negative number of allowances and your employer cannot accommodate that, you can ask for an additional $1.85 of state tax a week for each negative allowance. This calculator models none of it.

Your 401(k) lowers your New York taxable wages in this calculator

The tables start from wages and give no separate rule for 401(k) contributions. This calculator therefore starts from pay after a traditional 401(k) contribution, as it does in most states on this site. On $75,000 with 6% going in, New York State withholding falls by $243.00 a year. Enter 0 if your contribution is a Roth.

Social Security stops, Medicare does not

Social Security is withheld at 6.2% until your wages reach $184,500 in 2026, then stops for the rest of the year. Medicare has no ceiling at all: 1.45% on every dollar, plus an extra 0.9% on wages above $200,000. On $250,000, Social Security and Medicare take $15,514.00 in total, and the Paid Family Leave deduction stops at $411.91.

Common mistakes

Forgetting the deduction

Applying the schedule to all of $75,000 means treating $75,000 as taxable pay, which overstates New York State withholding by $399.60: $3,885.40 instead of $3,485.80.

Treating a married couple as single

The married schedule differs from the single one above $96,800 of taxable pay. On $150,000, an employer that treated a married filer as single would withhold $8,537.74 instead of $8,287.08, which is $250.66 too much over a year.

Leaving out New York City or Yonkers

If you live in New York City, the calculator’s result is not your take-home pay, because it leaves out the city’s withholding. On $75,000 that is $2,661.00 a year, and take-home pay is about $55,091 instead of $57,752. For a Yonkers resident it is $583.87.

Assuming the schedule’s rate is your rate

The schedule’s printed rates, such as 7.03% or 11.44%, are the rates the department tells employers to withhold at, not the rates on your return. A tax return works from your actual income and deductions, so what you owe in April can be smaller or larger than what was withheld.

Leaving out the paid leave and disability deductions

They are taken from your pay in addition to income tax, and this calculator does not subtract them before figuring income tax. A take-home figure that leaves them out is too high by $355.20 on $75,000, if your employer takes the full amounts.

Expecting the calculator to match the pay stub to the dollar

It will not, and no calculator can. Health insurance premiums and other pre-tax benefit deductions come out before tax and are not modeled here, and the allowances you claimed on your Form IT-2104 may differ from the ones we assume. Read why your pay stub will differ for the rest.

Example calculation

Amounts are shown to the cent, so adding the rounded lines can differ from the total by a cent.

A single filer earning $75,000 in New York in 2026, outside New York City and Yonkers, with no allowances, no retirement contribution and the two payroll deductions at their maximums, under the exact calculation method:

• Federal taxable income: $75,000 − federal standard deduction of $16,100 = $58,900
• Federal income tax: $7,670.00
• Social Security: $75,000 × 6.2% = $4,650.00
• Medicare: $75,000 × 1.45% = $1,087.50
• New York taxable pay: $75,000 − $7,400 deduction = $67,600
• Tax at the start of the bracket that begins at $13,900: $586.00
• Tax on the $53,700 above $13,900: $53,700 × 5.40% = $2,899.80
• New York State income tax withholding: $586.00 + $2,899.80 = $3,485.80 a year, $290.48 on a monthly paycheck or $134.07 on a biweekly one
• New York Paid Family Leave: $75,000 × 0.432% = $324.00
• New York disability insurance: $75,000 × 0.5%, capped at $31.20 = $31.20
• Total withheld: $17,248.50
• Take-home pay: $57,751.50 a year, or $4,812.63 a month
• Effective tax rate: 23.0%
• If you live in New York City, subtract $2,661.00 of city withholding: $55,090.50 a year

Frequently asked questions

Compare with other states

The same $75,000 salary, single filer, 2026 rates. We list the five states that border New York: New Jersey, Pennsylvania, Connecticut, Massachusetts and Vermont. Each row leaves out its own local taxes and optional employer deductions, and the New York row includes the paid family leave and disability deductions at their maximums but no New York City or Yonkers tax.

The table rounds take-home pay to the dollar; the differences in this paragraph use the exact amounts. Compared with a New York worker on the same salary, a New Jersey worker keeps about $467 more, a Pennsylvania worker keeps about $1,486 more, a Connecticut worker keeps about $9 less, a Massachusetts worker keeps about $66 more and a Vermont worker keeps about $1,156 more. A worker who lives in one of those states and commutes into New York, or the reverse, is a different case that this calculator does not model: it assumes a New York resident working in New York, outside New York City and Yonkers.

Sources

Every figure on this page is read from an official document and dated, not taken from another calculator — the federal ones from the IRS and the Social Security Administration, the New York ones from the state’s own documents below. Each one carries the date we last checked that it still answers. If one of our numbers disagrees with one of theirs, they are right and we have a defect to fix — tell us.

The documents these figures are read from

• New York State Department of Taxation and Finance — NYS-50-T-NYS, New York State Withholding Tax Tables and Methods, effective January 1, 2026 (PDF) — the exact calculation method (a combined deduction and exemption allowance of $7,400 or $7,950 plus $1,000 for each allowance, the annual tax rate schedule from 3.90%, and the top income tax rates method above $1,077,550 or $2,155,350), its worked examples and the printed wage-bracket tables.
• New York State Department of Taxation and Finance — NYS-50-T-NYC, New York City Withholding Tax Tables and Methods, effective January 1, 2026 (PDF) — the New York City resident tax withholding method (a $5,000 or $5,500 deduction, rates from 2.05% to 4.25%), its worked examples and the printed wage-bracket tables.
• New York State Department of Taxation and Finance — NYS-50-T-Y, Yonkers Withholding Tax Tables and Methods, effective January 1, 2026 (PDF) — the Yonkers resident surcharge (16.75% of the New York State amount) and the Yonkers nonresident earnings tax (0.50%).
• New York State Department of Taxation and Finance — Form IT-2104, Employee’s Withholding Allowance Certificate (PDF) — the filing-status boxes (“Single or Head of household,” “Married,” “Married, but withhold at higher single rate”) and the note telling a single taxpayer with one job and no dependents to enter 0 allowances.
• New York State Department of Taxation and Finance — IT-2104-I, Instructions for Form IT-2104 (PDF) — the allowances worksheet (one for each dependent and for certain credits, two for a head of household with one job) and the rule that you may not claim an allowance for yourself or your spouse.
• New York Paid Family Leave — 2026 updates — the 2026 employee contribution of 0.432% of gross wages, the maximum annual contribution of $411.91 and the state average weekly wage of $1,833.63.
• New York State Department of Financial Services — Paid Family Leave rate decision for 2026 — the 2026 rate of 0.432% of an employee’s wages and the maximum annual employee contribution of $411.91, in a decision dated August 29, 2025.
• New York State Workers’ Compensation Board — Disability benefits for employees — the employee contribution of one half of one percent of wages, no more than 60 cents a week, and the statement that the employer is allowed, but not required, to collect it.
• New York State Department of Taxation and Finance — Metropolitan commuter transportation mobility tax (MCTMT) — the statement that the tax is imposed on certain employers and self-employed individuals engaging in business within the Metropolitan Commuter Transportation District.
• New York State Senate — Labor Law, Section 570, Payment of contributions (unemployment insurance) — subdivision 6, which says an employee’s agreement to pay any part of the employer’s contribution is not valid and that no employer shall make a deduction for that purpose from an employee’s pay.
• IRS — 2026 inflation adjustments (Rev. Proc. 2025-32) — the federal brackets and the $16,100 standard deduction.
• IRS — Topic no. 751, Social Security and Medicare withholding rates — the 6.2% and 1.45% rates and the 0.9% Additional Medicare Tax.
• SSA — Contribution and benefit base — the $184,500 Social Security wage base.

The agencies that set them

These are the offices that set the figures. We link them so you can start from the source yourself, but an agency’s own summary page is not always current, and we do not claim that these pages carry the 2026 number — several of them do not. Where a rate was read somewhere else, in a statute, a withholding guide or an estimated-tax form, the exact document and the date we read it are on our methodology page.

• New York State Department of Taxation and Finance — Withholding tax.

All links checked October 21, 2026.

Related reading

• Paycheck calculators by state — the full index, including which states have no income tax at all.
• New Jersey paycheck calculator — the neighbor to the south and west.
• Pennsylvania paycheck calculator — the neighbor to the southwest.
• Connecticut paycheck calculator — the neighbor to the east.
• Massachusetts paycheck calculator — the neighbor to the east.
• Vermont paycheck calculator — the neighbor to the northeast.
• $75,000 take-home pay in every state we publish — where New York ranks on one salary.
• Methodology — the exact formula, every 2026 figure with its official source, and what these calculators deliberately do not model.
• Why your pay stub will differ — pre-tax deductions, credits and W-4 settings, and how much difference is normal.