NYC Paycheck Calculator 2026
Estimate your New York City take-home pay from a salary or an hourly wage after federal income tax, Social Security, Medicare, New York state income tax and the NYC resident income tax (3.078% to 3.876%). Uses the official 2026 federal rules and the 2026 New York brackets.
Free · No sign-up · Runs in your browser · Last reviewed November 2026
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New York City (NYC): residents of the five boroughs pay three income taxes on wages: federal, New York State and New York City. This calculator applies the 2026 New York State brackets and the NYC resident rates of 3.078% to 3.876% to your pay after the New York standard deduction. If you only work in the city and live elsewhere, choose "No local income tax". New York disability and Paid Family Leave payroll deductions and tax credits are not included.
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Educational estimate only — not tax, legal or financial advice. Actual withholding depends on your Form W-4, your employer and local rules. Confirm with a tax professional or IRS.gov.
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NYC take-home pay by salary (2026)
New York City resident, single filer, no 401(k), paid biweekly, using the 2026 federal rules, the 2026 New York State brackets and the NYC resident income tax:
| Gross salary | Federal tax | FICA | NY state tax | NYC tax | Take-home / year | Per biweekly paycheck |
|---|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,563 | $1,126 | $31,631 | $1,216.59 |
| $50,000 | $3,820 | $3,825 | $2,103 | $1,508 | $38,744 | $1,490.17 |
| $60,000 | $5,020 | $4,590 | $2,643 | $1,891 | $45,856 | $1,763.70 |
| $75,000 | $7,670 | $5,738 | $3,453 | $2,472 | $55,667 | $2,141.05 |
| $80,000 | $8,770 | $6,120 | $3,723 | $2,666 | $58,721 | $2,258.50 |
| $100,000 | $13,170 | $7,650 | $4,860 | $3,441 | $70,879 | $2,726.12 |
| $120,000 | $17,570 | $9,180 | $6,040 | $4,216 | $82,994 | $3,192.08 |
| $150,000 | $24,734 | $11,475 | $7,810 | $5,379 | $100,602 | $3,869.31 |
| $200,000 | $36,734 | $14,339 | $10,760 | $7,317 | $130,850 | $5,032.70 |
Example: on a $100,000 salary in NYC you pay about $13,170 in federal income tax, $7,650 in Social Security and Medicare, $4,860 to New York State and $3,441 to New York City, leaving about $70,879 a year or $2,726.12 per biweekly paycheck.
NYC hourly paycheck calculator: take-home pay by hourly wage (2026)
Paid by the hour in New York City? Choose Hourly wage in the calculator above and enter your rate, weekly hours and any overtime. The table shows the estimated take-home pay for a full-time hourly worker who lives in NYC (40 hours a week, single filer, no 401(k), paid biweekly) after federal income tax, Social Security, Medicare, New York State tax and NYC tax.
| Hourly wage | Gross biweekly (80 h) | Take-home biweekly | Take-home weekly | Take-home per year | Net per hour |
|---|---|---|---|---|---|
| $15/hour | $1,200 | $976 | $488 | $25,371 | $12.20 |
| $17/hour | $1,360 | $1,090 | $545 | $28,331 | $13.62 |
| $18/hour | $1,440 | $1,147 | $573 | $29,810 | $14.33 |
| $20/hour | $1,600 | $1,260 | $630 | $32,769 | $15.75 |
| $22/hour | $1,760 | $1,374 | $687 | $35,728 | $17.18 |
| $25/hour | $2,000 | $1,545 | $772 | $40,167 | $19.31 |
| $30/hour | $2,400 | $1,829 | $915 | $47,562 | $22.87 |
| $35/hour | $2,800 | $2,089 | $1,045 | $54,324 | $26.12 |
| $40/hour | $3,200 | $2,334 | $1,167 | $60,675 | $29.17 |
| $50/hour | $4,000 | $2,819 | $1,410 | $73,302 | $35.24 |
| $60/hour | $4,800 | $3,302 | $1,651 | $85,842 | $41.27 |
| $75/hour | $6,000 | $4,004 | $2,002 | $104,117 | $50.06 |
Example: at $25 an hour and 40 hours a week, gross pay is $1,000 a week or $2,000 every two weeks, and the estimated NYC take-home is about $1,545 per biweekly paycheck. Overtime hours are paid at 1.5 times the regular rate under the federal Fair Labor Standards Act; enter them in the overtime field to add them to the paycheck.
NYC income tax rates and brackets (2026)
New York City taxes its residents on the same taxable income New York State uses (income after the state standard deduction: $8,000 single, $16,050 married filing jointly). The four NYC resident rates are:
| NYC rate | Single or married filing separately | Married filing jointly | Head of household |
|---|---|---|---|
| 3.078% | $0 – $12,000 | $0 – $21,600 | $0 – $14,400 |
| 3.762% | $12,000 – $25,000 | $21,600 – $45,000 | $14,400 – $30,000 |
| 3.819% | $25,000 – $50,000 | $45,000 – $90,000 | $30,000 – $60,000 |
| 3.876% | Over $50,000 | Over $90,000 | Over $60,000 |
The city tax is withheld from each paycheck together with state tax and reported on your New York State return (Form IT-201). Small credits such as the NYC school tax credit are not included in this estimate.
NYC vs the rest of New York State: how much the city tax costs
Only New York City residents pay the city income tax. The same salary earned by someone who lives in Long Island, Westchester, upstate New York or New Jersey has no NYC tax withheld, even if the job is in Manhattan. Single filer, no 401(k), 2026:
| Gross salary | NYC tax / year | Take-home outside NYC | Take-home living in NYC | NYC tax per biweekly paycheck |
|---|---|---|---|---|
| $50,000 | $1,508 | $40,252 | $38,744 | $57.99 |
| $75,000 | $2,472 | $58,140 | $55,667 | $95.08 |
| $100,000 | $3,441 | $74,320 | $70,879 | $132.35 |
| $150,000 | $5,379 | $105,981 | $100,602 | $206.89 |
| $200,000 | $7,317 | $138,167 | $130,850 | $281.43 |
Who pays what: NYC residents pay federal, state and city tax. Commuters who live outside the five boroughs pay no NYC income tax (the commuter tax ended in 1999); if they live in another state they generally owe New York State tax on wages earned in New York. Yonkers residents pay a surcharge of 16.75% of their New York State tax instead, which you can select in the calculator.
How your 2026 paycheck is calculated
Your take-home pay is your gross pay minus federal income tax, Social Security and Medicare (together called FICA), state income tax and any pre-tax deductions such as a 401(k). This calculator uses the 2026 federal rules from the IRS and the Social Security Administration:
- Standard deduction (2026): $16,100 single, $32,200 married filing jointly, $24,150 head of household. It is subtracted from your income before the brackets apply.
- Social Security: 6.2% of wages up to the 2026 wage base of $184,500.
- Medicare: 1.45% of all wages, plus 0.9% on wages above $200,000 (single or head of household) or $250,000 (married filing jointly).
- Pre-tax 401(k): reduces the income that federal and state income tax apply to, but not Social Security or Medicare.
- Pre-tax benefits such as health insurance premiums paid through your employer reduce income tax and also FICA wages.
2026 federal income tax brackets
| Rate | Single (taxable income) | Married filing jointly |
|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 |
| 37% | $640,600 – and above | $768,700 – and above |
Rates apply only to the part of your taxable income inside each bracket (taxable income is income after the standard deduction and pre-tax deductions). Head of household brackets are slightly wider than single. Source: IRS Rev. Proc. 2025-32 and SSA.
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Frequently asked questions
How much is $100,000 after taxes in NYC?
For a single New York City resident with no 401(k), a $100,000 salary leaves about $70,879 a year in 2026, or $2,726.12 per biweekly paycheck, after about $13,170 of federal income tax, $7,650 of FICA, $4,860 of New York State tax and $3,441 of NYC tax.
How much is NYC income tax?
New York City charges residents 3.078% on the first $12,000 of taxable income, 3.762% from $12,000 to $25,000, 3.819% from $25,000 to $50,000 and 3.876% above $50,000 (single filers; the brackets are wider for joint filers and heads of household). On a $75,000 salary that is about $2,472 a year, on top of New York State tax.
Do I pay NYC tax if I work in the city but live somewhere else?
No. The New York City income tax applies to residents of the five boroughs only. If you commute from Long Island, Westchester, New Jersey or Connecticut you do not pay NYC income tax, although wages earned in New York are still generally subject to New York State tax. Choose "No local income tax" in the calculator for that case.
How do I calculate my hourly paycheck in NYC?
Multiply your hourly rate by the hours in the pay period, add overtime at 1.5 times your rate, then subtract federal income tax, Social Security, Medicare, New York State tax and NYC tax. For example, $20 an hour at 40 hours a week is $1,600 gross every two weeks and about $1,260 take-home for a single NYC resident in 2026; $25 an hour leaves about $1,545 and $30 an hour about $1,829.
How much is $60,000 or $70,000 after taxes in New York City?
In 2026 a single NYC resident keeps about $45,856 a year on a $60,000 salary ($1,763.70 per biweekly paycheck) and about $52,614 on $70,000 ($2,023.60 per biweekly paycheck), with no 401(k) or other pre-tax deductions.
What does this NYC paycheck calculator include?
The 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household) and federal brackets, Social Security at 6.2% up to $184,500, Medicare at 1.45% plus 0.9% above $200,000 or $250,000, the 2026 New York State brackets and the NYC resident tax. It does not include New York disability insurance, Paid Family Leave deductions or tax credits.
Does a 401(k) contribution lower my NYC taxes?
Yes. A pre-tax 401(k) contribution reduces the income that federal, New York State and New York City income tax apply to, so your take-home pay falls by less than the contribution. It does not reduce Social Security or Medicare. Enter a percentage above to see the effect.
Is this NYC paycheck calculator free?
Yes, it is free, with no signup. It is an estimate for planning and not tax advice; your actual withholding depends on your Form W-4, Form IT-2104 and your employer.