Assumptions
- NY taxable income = gross − 401(k) − pre-tax benefits − standard deduction − $1,000 per dependent; tax from the 2026 IT-2105-I schedule; NYC schedule applied to the same taxable income for residents.
- PFL 0.432% of wages (after Section 125) capped at $411.91; DBL $31.20 a year. No Yonkers tax, MCTMT or tax benefit recapture.
- Annualized estimate divided by pay periods; no credits or itemized deductions. Jurisdiction: New York, 2026.
How it is calculated
- Federal tax, Social Security and Medicare exactly as in the US paycheck calculator (2026 IRS/SSA figures).
- NY taxable income = gross − 401(k) − pre-tax benefits − standard deduction − $1,000 × dependents.
- NY State tax = 2026 rate schedule for your filing status; NYC tax = 2026 NYC schedule if you are a city resident.
- PFL = 0.432% × wages, max $411.91; DBL = $31.20. Take-home = gross − deductions − all taxes ÷ pay periods.
Examples
| Case (2026, biweekly) | Federal | NY State | NYC | Take-home / year |
|---|---|---|---|---|
| $60,000 single, upstate | $5,020 | $2,643.40 | — | $47,456.20 |
| $75,000 single, NYC resident | $7,670 | $3,453.40 | $2,471.92 | $55,311.98 |
| $120,000 married, 2 dependents, NYC | $10,040 | $5,172.70 | $3,727.18 | $91,437.01 |
| $250,000 single, upstate | $51,304 | $13,963.10 | — | $168,775.79 |
Common mistakes
- Tax benefit recapture: above $107,650 of NY adjusted gross income the state gradually removes the benefit of the lower brackets, so actual tax for six-figure incomes is a little higher than the schedule alone.
- Yonkers residents (16.75% surcharge) and non-resident earners (0.5%) are not modeled.
- Supplemental wages (bonuses) are withheld at 11.70% for NY State and 4.25% for NYC in 2026.
FAQ
What changed in New York State tax for 2026?
The FY 2026 budget cut the five lowest rates by 0.1 percentage point starting with tax year 2026: 3.9%, 4.4%, 5.15%, 5.4% and 5.9% (previously 4% to 6%). Another 0.1-point cut follows in 2027. Rates from 6.85% up to 10.9% are unchanged. This tool uses the 2026 schedules printed in the Form IT-2105-I instructions.
Do I pay New York City tax?
Only if you live in one of the five boroughs. Commuters from Long Island, Westchester, New Jersey or Connecticut do not pay NYC income tax. Yonkers residents pay a 16.75% surcharge on their state tax and Yonkers non-resident workers pay 0.5% of wages; neither is included here.
What are PFL and DBL on my paystub?
Paid Family Leave is funded by an employee contribution of 0.432% of wages in 2026, capped at $411.91 a year (based on the statewide average weekly wage of $1,833.63). Disability Benefits Law insurance takes up to $0.60 a week ($31.20 a year). Both are employee deductions on nearly every New York paycheck.
Why does the calculator differ from my W-2 withholding?
Employers withhold with the NYS-50-T-NYS wage-bracket or exact-calculation method, which approximates the same annual tax; this tool computes the annual tax directly from the 2026 rate schedule, standard deduction ($8,000 / $16,050 / $11,200) and $1,000 dependent exemptions. It does not apply the tax benefit recapture that phases out lower brackets above $107,650 of income, so very high earners will owe somewhat more.