Paycheck for New York (2026)
New York (NY) Key Facts
State Income Tax
10.9%
State Sales Tax
4%
Pay Frequency
Bi-weekly (most common)
Federal Withholding
Based on W-4 elections
How This Calculator Works in New York
This calculator estimates your net paycheck in New York accounting for federal taxes, FICA, and state income tax up to 10.9%. Enter salary and pay frequency to see take-home pay.
New York Overview
Paychecks in New York are subject to federal income tax, FICA (Social Security and Medicare), and state income tax at up to 10.9%. NYC residents pay city income tax (up to 3.876%) on top of state tax (up to 10.9%). NY Paid Family Leave (PFL) is deducted from paychecks. SDI also applies. The minimum wage is $15+.
How New York Compares
New York's 10.9% state income tax means smaller paychecks compared to New Jersey (10.75%) and Connecticut (6.99%). Differences compound over a full year.
| State | Top Rate | Notes |
|---|---|---|
| New Jersey | 10.75% | New Jersey has an income tax rate of 10.75%. |
| Connecticut | 6.99% | Connecticut has an income tax rate of 6.99%. |
| Pennsylvania | 3.07% | Pennsylvania has an income tax rate of 3.07%. |
New York's income tax rate of 10.9% compares to a national average of approximately 5.04%. This is above the national average.
Tips for New York Residents
- 1New York withholds state income tax at up to 10.9% from each paycheck, in addition to federal taxes.
- 2NYC residents pay city income tax (up to 3.876%) on top of state tax (up to 10.9%). NY Paid Family Leave (PFL) is deducted from paychecks. SDI also applies. The minimum wage is $15+.
- 3Maximize pre-tax contributions to 401(k), HSA, and FSA accounts to reduce both federal and state taxable income on every paycheck.
- 4Review your state W-4 or withholding form annually, especially after salary changes, marriage, or a new dependent.
- 5Compare net pay across pay frequencies: bi-weekly (26 checks) vs. semi-monthly (24 checks) to plan your budget accurately.
Frequently Asked Questions
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