NYC Paycheck Calculator
Watch: New York City income tax on your paycheck (1:08)
On a $60,000 salary in New York City, a single filer takes home about $1,746.01 every two weeks ($45,396 a year) after federal income tax, Social Security, Medicare, New York State and NYC tax, NY disability insurance (DBL) and NY Paid Family Leave. This is for people who live in the five boroughs, paid a salary or by the hour. City tax follows the state's 2026 NYC withholding tables (rates 3.078% to 3.876%).
Compare two scenarios
- A (saved)
- B (the form now)
| A | B | B vs A |
|---|
An estimate of what your employer withholds, using the IRS percentage method. Your actual paycheck can differ by a few cents because of rounding, or by more if your employer uses other settings.
How we got your number
Each step links to the official document it comes from.
Guides: how to read your pay stub · filling out Form W-4 · biweekly vs semi-monthly pay · why pay rises after the Social Security cap · how much tax is taken out, by state · who gets overtime · 1099 vs W-2 pay
NYC paycheck rates for 2026
NYC tax is withheld only from residents of the five boroughs. If you work in NYC but live elsewhere, use the New York paycheck calculator.
| What comes out | 2026 rate | Official source | Checked |
|---|---|---|---|
| Federal income tax | 10%–37% brackets (IRS percentage method) | IRS Publication 15-T (2026) | Oct 24, 2026 |
| Social Security | 6.2% up to $184,500 | SSA COLA fact sheet | Oct 24, 2026 |
| Medicare | 1.45%, plus 0.9% over $200,000 | IRS Publication 15 | Oct 24, 2026 |
| New York State income tax | 3.9% to 11.7% (withholding tables, Method II and III) | NYS-50-T-NYS (1/26) | Oct 24, 2026 |
| New York City income tax (residents) | 2.05% to 4.25% | NYS-50-T-NYC (1/26) | Oct 24, 2026 |
| Yonkers resident surcharge | 16.75% of NY State withholding | NYS-50-T-Y (1/26) | Oct 24, 2026 |
| NY disability insurance (DBL) | 0.5% of wages, no more than $0.60 a week | NY Workers' Compensation Board | Oct 24, 2026 |
| NY Paid Family Leave | 0.432% of wages, up to $411.91 a year | NY Paid Family Leave, 2026 updates | Oct 24, 2026 |
What changes in 2027
- Social Security applies to the first $192,300 you earn in 2027 (up from $184,500). SSA
- New federal withholding tables: the IRS has not published them yet. We add them within days of release; until then, 2027 pay dates use the 2026 tables.
- 2027 Paid Family Leave rate is loaded; New York has not yet published 2027 withholding tables, so 2026 tables are used.
NYC income tax rates
New York City taxes the income of people who live in the five boroughs, on top of New York State tax. The rates run from 3.078% to 3.876% of NYC taxable income, which is the same as your New York State taxable income. Your employer withholds it using the state's NYC withholding tables; the schedule below is what your final tax is figured with when you file.
Single or married filing separately
| NYC taxable income | NYC tax |
|---|---|
| $0 to $12,000 | 3.078% |
| $12,000 to $25,000 | $369 plus 3.762% of the amount over $12,000 |
| $25,000 to $50,000 | $858 plus 3.819% of the amount over $25,000 |
| Over $50,000 | $1,813 plus 3.876% of the amount over $50,000 |
Married filing jointly
| NYC taxable income | NYC tax |
|---|---|
| $0 to $21,600 | 3.078% |
| $21,600 to $45,000 | $665 plus 3.762% of the amount over $21,600 |
| $45,000 to $90,000 | $1,545 plus 3.819% of the amount over $45,000 |
| Over $90,000 | $3,264 plus 3.876% of the amount over $90,000 |
Head of household
| NYC taxable income | NYC tax |
|---|---|
| $0 to $14,400 | 3.078% |
| $14,400 to $30,000 | $443 plus 3.762% of the amount over $14,400 |
| $30,000 to $60,000 | $1,030 plus 3.819% of the amount over $30,000 |
| Over $60,000 | $2,176 plus 3.876% of the amount over $60,000 |
Source: NYS Department of Taxation and Finance, Instructions for Form IT-201 (2025), New York City tax rate schedule, page 40. This is the latest published schedule; the state publishes the 2026 schedule with the 2026 return instructions.
How much NYC tax comes out of your paycheck
| Salary | NYC tax every two weeks | NYC tax a year | Share of pay |
|---|---|---|---|
| $30,000 | $30.11 | $783 | 2.61% |
| $40,000 | $46.06 | $1,198 | 2.99% |
| $50,000 | $62.02 | $1,613 | 3.23% |
| $60,000 | $77.99 | $2,028 | 3.38% |
| $70,000 | $94.16 | $2,448 | 3.50% |
| $80,000 | $110.51 | $2,873 | 3.59% |
| $90,000 | $126.85 | $3,298 | 3.66% |
| $100,000 | $143.20 | $3,723 | 3.72% |
| $125,000 | $184.06 | $4,786 | 3.83% |
| $150,000 | $224.93 | $5,848 | 3.90% |
NYC tax withheld for a single filer paid every two weeks with a 2026 Form IT-2104 and no deductions, rules in force on Oct 26, 2026, worked out with the calculator's engine from the state's NYC withholding tables (NYS-50-T-NYC). Yearly is the paycheck times 26. The withholding tables use rates from 2.05% to 4.25%, a little different from the yearly rates above, so at higher pay more can be withheld than you finally owe; any difference is settled when you file your state return, where the city tax is figured.
NYC minimum wage after taxes
The minimum wage in New York City is $17.00 an hour in 2026, and the state says it stays there on January 1, 2027. Full time, that is $35,360 a year before taxes. A single filer takes home about $1,079.15 every two weeks, or $28,058 a year, after all taxes. Work out an hourly NYC paycheck, with your own hours and overtime.
Sources: Governor of New York: minimum wage $17.00 in New York City from January 1, 2026 · Governor of New York: minimum wage for 2027.
Take-home pay in New York City at common salaries (2026)
On a $70,000 salary in New York City, you take home about $2,003.00 every two weeks, or $4,339.83 a month, after federal income tax, Social Security, Medicare, New York State and NYC tax, NY disability insurance (DBL) and NY Paid Family Leave.
| Salary | Every two weeks | Per month | Per year | Withheld |
|---|---|---|---|---|
| $30,000 | $934.08 | $2,023.84 | $24,286.08 | 19.0% |
| $40,000 | $1,204.73 | $2,610.25 | $31,322.98 | 21.7% |
| $50,000 | $1,475.39 | $3,196.68 | $38,360.14 | 23.3% |
| $60,000 | $1,746.01 | $3,783.02 | $45,396.26 | 24.3% |
| $70,000 | $2,003.00 | $4,339.83 | $52,078.00 | 25.6% |
| $80,000 | $2,234.78 | $4,842.02 | $58,104.28 | 27.4% |
| $90,000 | $2,466.24 | $5,343.52 | $64,122.24 | 28.8% |
| $100,000 | $2,696.10 | $5,841.55 | $70,098.60 | 29.9% |
| $125,000 | $3,257.33 | $7,057.55 | $84,690.58 | 32.2% |
| $150,000 | $3,797.13 | $8,227.11 | $98,725.38 | 34.2% |
Assumes a single filer paid every two weeks with a 2026 Form W-4 and no adjustments, no 401(k) or health deductions, and the rules in force on Oct 26, 2026. Monthly and yearly figures are the paycheck times 26, divided by 12 for monthly. Enter your own pay above for your exact numbers.
New York City income tax: what workers need to know
Who owes it, working from home, refunds and filing in New York City. Each rule links to the official source. Checked Oct 25, 2026.
| Topic | The rule | Official source |
|---|---|---|
| Who owes it | Only residents of the five boroughs (the Bronx, Brooklyn, Manhattan, Queens and Staten Island) owe New York City income tax. People who live elsewhere and commute into the city do not owe it. | NYC Department of Finance, Personal Income Tax |
| Working outside the city | Where you work does not change the tax. A city resident owes it on wages earned anywhere, including remote work or a job outside the city, and someone living outside the city owes nothing. | NYS Tax Department, Withholding tax requirements |
| Getting a refund | No separate city refund form exists. Overwithheld city tax is refunded through your New York State return. To claim a missed overpayment, amend within three years of filing or two years of paying, whichever is later. | NYS Tax Department, Form IT-201 instructions |
| Annual return | You report the city tax on your New York State resident return, Form IT-201, every year you must file a state return, even if your employer withheld it. The 2025 return was due April 15, 2026. | NYS Tax Department, New York City, Yonkers, and MCTMT |
| Employer withholding | Employers that must withhold New York tax also withhold city tax for city residents, even when the work is done outside the city. An out-of-state employer with no New York office or business does not have to withhold it. | NYS Tax Department, Withholding tax requirements |
| Where to file | New York State's Department of Taxation and Finance collects the city tax, not the city. You file and pay on the state return, through e-file software or your Online Services account at tax.ny.gov. | NYS Tax Department, Form IT-201 instructions |
| Moving in or out mid-year | If you moved into or out of the city during the year, you only owe city tax for the part of the year you lived there. You figure it on Form IT-360.1 and submit it with your state return. | NYS Tax Department, New York City, Yonkers, and MCTMT |
| City employees living outside NYC | There is one exception for commuters. Most New York City government employees hired on or after January 4, 1973 who live outside the five boroughs must file Form NYC-1127. It works out what they would owe if they were residents. | NYC Department of Finance, Personal Income Tax |
NYC and New York paycheck questions
Do I pay NYC income tax if I live in New Jersey or Long Island and work in Manhattan?
No. New York City income tax applies only to residents of the five boroughs. A commuter who lives outside the city does not owe it, though they still owe New York State tax on wages earned in New York. The one exception is city government employees, who file Form NYC-1127.
Do I file a separate New York City tax return?
No. New York State collects the city tax for the city. Residents report it on Form IT-201, the state resident return, and the city tax withheld from your pay is credited on that same return. There is no separate city form to file or city portal to log in to.
I live in NYC but my job is in another state. Is NYC tax still withheld?
It should be if your employer has to withhold New York taxes. Employers withhold for city residents even when the work is done outside the city. An out-of-state employer with no New York office or business does not have to withhold, so you may need to make estimated payments yourself.
I moved out of New York City this year. Do I owe city tax for the whole year?
No. You owe city tax only for the part of the year you lived in the city. Complete Form IT-360.1, Change of City Resident Status, and submit it with your New York State return (Form IT-201 or IT-203).
What is the NYC income tax rate?
For the 2025 tax year (the latest published schedule) New York City taxes residents at 3.078% to 3.876% of NYC taxable income, which is the same as New York State taxable income. A single filer reaches the top 3.876% rate above $50,000; a married couple filing jointly above $90,000.
How much NYC tax comes out of a $100,000 salary?
About $143.20 every two weeks, or $3,723 a year, for a single filer with a 2026 Form IT-2104 and no deductions, using the state's NYC withholding tables.
How much is the NYC minimum wage after taxes?
At $17.00 an hour, 40 hours a week, a single filer takes home about $1,079.15 every two weeks ($28,058 a year) after federal, New York State and NYC tax, Social Security, Medicare and the state's disability and paid family leave deductions.
How much New York income tax comes out of my paycheck?
New York State uses graduated withholding tables after subtracting a deduction and your IT-2104 allowances. New York City and Yonkers residents also pay city tax. Show the math lists every step.
Why does the calculator ask about Form IT-2104?
Your employer withholds New York tax based on the Form IT-2104 you filled in, which is separate from your federal Form W-4. If you never filled one in, employers usually withhold as single with no allowances.
Do I pay New York City tax if I work in NYC but live elsewhere?
No. New York City income tax is withheld only from NYC residents. Pick where you live in the calculator.
What is the NY disability (DBL) deduction?
Employers may take 0.5% of wages, but no more than $0.60 a week, toward New York's disability benefits.
What is the NY Paid Family Leave deduction?
A premium for New York's paid family leave program: 0.432% of gross wages, up to $411.91 a year in 2026.
Why is my first paycheck in January different?
New federal withholding tables and a new Social Security cap start on January 1. Pick a 2027 pay date in the calculator to see the change.
Why did my paycheck get bigger late in the year?
Social Security stops once your pay for the year reaches $184,500. Enter your pay so far this year to see when that happens.
How much is $70,000 a year after taxes in New York City?
About $52,078.00 a year, or $2,003.00 every two weeks, for a single filer with no pre-tax deductions in 2026. That is after federal income tax, Social Security, Medicare, New York State and NYC tax, NY disability insurance (DBL) and NY Paid Family Leave. Use the calculator for your own filing status and deductions.