New York Paycheck Calculator
Calculate your take-home pay after New York state taxes, federal taxes, and local taxes (NYC & Yonkers). Updated with 2025 tax rates and brackets.
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New York Local Taxes
NYC Residents: Pay an additional 3.078% - 3.876% city income tax on top of state taxes.
Yonkers Residents: Pay 16.75% of their NY state tax as a local surcharge (or 0.5% non-resident tax if working in Yonkers).
2025 New York Tax Rates & Brackets
2025 New York State Income Tax Brackets
Single
| Tax Rate | Income Range | Tax Owed |
|---|---|---|
| 4% | $0 - $8,500 | $0 + 4% of excess |
| 4.5% | $8,500 - $11,700 | $340 + 4.5% of excess |
| 5.25% | $11,700 - $13,900 | $484 + 5.25% of excess |
| 5.85% | $13,900 - $80,650 | $600 + 5.85% of excess |
| 6.25% | $80,650 - $215,400 | $4,504 + 6.25% of excess |
| 6.85% | $215,400 - $1,077,550 | $12,926 + 6.85% of excess |
| 9.65% | $1,077,550 - $5,000,000 | $71,984 + 9.65% of excess |
| 10.3% | $5,000,000 - $25,000,000 | $450,500 + 10.3% of excess |
| 10.9% | $25,000,000 - and above | $2,510,500 + 10.9% of excess |
Federal Tax
- 2025 standard deduction: $15,750 (Single), $31,500 (Married), $23,635 (Household)
- Federal rates: 10% to 37%
FICA Taxes
- Social Security: 6.2% (up to $176,100)
- Medicare: 1.45% (+ 0.9% over $200K)
NY SDI
- NY State Disability: 0.5% of wages
- Maximum: $0.60 per week in 2025
How Does the New York Paycheck Calculator Work?
Our New York salary calculator helps you estimate your take-home pay by calculating federal income tax, New York state income tax, local taxes (NYC and Yonkers), Social Security, Medicare, and State Disability Insurance (SDI).
Simply enter your annual salary, pay frequency, filing status, and location. The calculator uses official 2025 IRS federal tax brackets, New York State Department of Taxation tax rates, and NYC/Yonkers local tax rates to provide accurate paycheck estimates.
New York has a progressive income tax system with rates ranging from 4% to 10.9%. If you live in New York City, you'll also pay NYC income tax (3.078% - 3.876%). Yonkers residents pay an additional 16.75% surcharge on their state tax liability.
What's Included in the Calculation?
- Federal income tax withholding (2025 brackets)
- New York state income tax (4% - 10.9%)
- NYC local income tax (if applicable)
- Yonkers local tax (if applicable)
- Social Security tax (6.2% up to $176,100)
- Medicare tax (1.45% + 0.9% over threshold)
- NY State Disability Insurance (0.5%)
Understanding New York Income Tax
New York State uses a progressive tax structure with eight tax brackets for 2025, ranging from 4% to 10.9%. The state standard deduction for 2025 is $8,000 for single filers and $16,050 for married filing jointly.
Unlike many states, New York also has local income taxes. New York City has its own income tax with four brackets ranging from 3.078% to 3.876% based on income. This means NYC residents face some of the highest combined state and local tax rates in the nation.
Yonkers residents pay either a resident surcharge of 16.75% of their NY state tax or a non-resident earnings tax of 0.5% if they work but don't live in Yonkers. The calculator automatically accounts for these local taxes based on your location selection.
NYC vs. Upstate New York
Living in NYC significantly increases your tax burden compared to upstate New York. For example, a $100,000 salary results in approximately $3,000-$4,000 more in annual taxes for NYC residents due to the city income tax.
However, NYC residents may benefit from certain city-specific credits and the convenience of not needing a car, which can offset some of the higher tax burden.
Important Note
This calculator provides estimates for informational purposes only. Your actual take-home pay may vary based on additional factors such as pre-tax deductions (401k, health insurance), tax credits, and other withholdings. New York has complex tax rules, so consult with a tax professional for personalized advice.
Tax Comparison: NYC vs. Other Major Cities
| Location | State Tax | Local Tax | Total Effective Rate | Annual Tax ($100K) |
|---|---|---|---|---|
NYC New York City New York | 6.45% | 3.65% | 28.5% | $28,500 |
ALB Albany New York | 6.45% | 0% | 24.9% | $24,900 |
SF San Francisco California | 9.30% | 0% | 27.2% | $27,200 |
LA Los Angeles California | 9.30% | 0% | 27.2% | $27,200 |
CHI Chicago Illinois | 4.95% | 0% | 23.8% | $23,800 |
SEA Seattle Washington | 0% | 0% | 18.9% | $18,900 |
AUS Austin Texas | 0% | 0% | 18.9% | $18,900 |
Note: Comparison based on single filer earning $100,000 annually. Effective rates include state, local, FICA, and federal taxes. Actual rates may vary based on deductions and credits. NYC has the highest combined state and local tax burden among major US cities.