If you work in New York City, your paycheck is affected by federal, New York State, and NYC local taxes. Use our NYC Paycheck Calculator to instantly estimate your net pay, including deductions for federal withholding, state and city taxes, Social Security, Medicare, and optional pre-tax benefits.
Whether you’re paid hourly or salaried, this free tool gives you a fast and accurate look at your real take-home income.
Use the NYC Paycheck Calculator
Enter your gross pay, choose your pay frequency, select filing status, and adjust deductions such as 401(k), health insurance, or allowances.
The calculator will generate:
-
Net (take-home) pay
-
Total tax withheld
-
Federal, state, and NYC tax breakdown
-
FICA (Social Security + Medicare)
-
Optional contributions and deductions
-
Yearly take-home summary
How NYC Taxes Affect Your Paycheck
NYC is one of the few U.S. cities that imposes a local income tax on top of federal and state taxes. This means your paycheck will include three types of income tax:
1. Federal Income Tax
Withheld based on IRS tax brackets and your filing status (single, married, head of household).
2. New York State Income Tax
New York uses a progressive tax system. Your withholding depends on taxable income, filing status, and allowances.
3. NYC Local Tax
If you live in NYC, you pay an additional city tax.
Rates generally range from about 3.078% to 3.876%.
This combination of taxes makes NYC take-home pay lower compared to many other cities — which is why using a paycheck calculator is essential.
NYC Tax Breakdown (What Gets Taken Out)
Here’s what typically reduces your paycheck:
Federal Income Tax
Withheld according to IRS tax brackets and your W-4 selections.
New York State Tax
Automatically deducted from all NY employees’ paychecks unless exempt.
NYC Local Tax
Applies only if you live in New York City (five boroughs).
FICA (Social Security and Medicare)
-
Social Security tax: 6.2%
-
Medicare tax: 1.45%
-
Additional 0.9% Medicare tax for higher earners
Other Possible Deductions
-
401(k) or 403(b) contributions
-
Medical, dental, or vision insurance
-
HSA/FSA contributions
-
Commuter benefits
-
Union dues or other employer withholdings
Our calculator includes all of these for an accurate net pay estimate.
Sample NYC Paycheck Examples
These examples show typical take-home pay changes after NYC taxes.
Example 1: $50,000 Salary – NYC Resident
-
Approx. annual tax: Federal + State + NYC + FICA
-
Take-home pay is typically $36,500–$38,000 per year
-
Monthly net pay: around $3,050–$3,150
Example 2: $100,000 Salary – NYC Resident
-
Higher brackets for federal & state tax apply
-
Expected take-home pay: $69,000–$72,000 per year
-
Monthly net pay: around $5,800–$6,000
Example 3: Hourly Worker – $20/hour (40 hours/week)
-
Weekly gross pay: $800
-
Net pay after taxes: around $600–$640, depending on deductions
(Real numbers vary based on specifics — the calculator provides precise results.)
Pay Frequency and Your NYC Paycheck
Your payroll cycle affects how your net pay is displayed.
| Pay Frequency | Number of Paychecks | Notes |
|---|---|---|
| Weekly | 52 | Smaller, consistent payouts |
| Biweekly | 26 | Most common for NYC jobs |
| Semi-monthly | 24 | Slight variations each period |
| Monthly | 12 | Larger checks, but less frequent |
Selecting the correct pay frequency is essential for accurate results.
NYC Overtime, Bonuses & Additional Pay
Overtime Pay in NYC
Hourly employees must be paid 1.5Ă— their regular rate after 40 hours in a week.
Bonuses & Supplemental Wages
Bonuses are taxed as supplemental pay, often at a higher withholding rate.
Freelancers & 1099 Workers
Self-employed NYC workers must pay:
-
Federal tax
-
NY State tax
-
NYC local tax
-
Self-employment tax (Social Security + Medicare)
NYC Minimum Wage
NYC typically has one of the highest minimum wages in the U.S., depending on employer size and industry.
These are all factors that influence paycheck calculations.
Frequently Asked Questions (FAQ)
How much is take-home pay in NYC?
Your take-home pay depends on your income, filing status, and deductions. NYC workers pay federal, state, and city taxes.
Do non-residents pay NYC tax?
No. Only residents of NYC’s five boroughs pay the city income tax.
Why is my NYC paycheck lower than expected?
NYC has additional local taxes that most U.S. cities do not charge.
How much tax is deducted from a NYC paycheck?
A combination of federal, state, NYC local, and FICA taxes.
How do I calculate overtime in NYC?
Multiply your hourly rate by 1.5 for each hour over 40 per week.
Does NYC tax bonuses?
Yes — bonuses are subject to supplemental wage tax rates.
Why Use Our NYC Paycheck Calculator?
-
Accurate NYC tax calculations
-
Includes federal, state, and city taxes
-
Covers hourly, salary, overtime & bonuses
-
Updated for 2025 tax brackets
-
Includes all deductions: 401(k), insurance, allowances
-
Fast, free, and easy to use
Designed specifically for NYC workers, this tool gives you a clear picture of your real earnings.
Calculate Your NYC Paycheck Now
Ready to see your actual take-home pay?
Use the calculator above to get a precise breakdown of your paycheck — including NYC local taxes, federal tax, state tax, and all deductions.
Start calculating your NYC paycheck now.