New York Payroll Calculator 2026
New York withholding follows the Department of Taxation and Finance's 2026 tables (NYS-50-T-NYS, effective January 1, 2026): subtract the deduction and exemption allowance for the pay period, then apply the exact-calculation rate table, which climbs from 3.9% to 10.9% and switches to a flat top-rate method for very high pay. New York City residents have city tax withheld too (2.05% to 4.25%), and Yonkers residents an extra 16.75% of the state amount. Paid Family Leave (0.432%, at most $411.91 for 2026) and disability benefits (at most 60 cents a week) also come out of pay.
| Official example | Official result | This calculator | |
|---|---|---|---|
| NYS: single, weekly $400, 3 exemptions | $8.01 | $8.01 | match |
| NYS: single, semimonthly $5,000, 1 exemption | $258.51 | $258.50 | $0.01 apart |
| NYS: married, weekly $400, 4 exemptions | $6.69 | $6.69 | match |
| NYS: married, semimonthly $5,000, 3 exemptions | $248.11 | $248.12 | $0.01 apart |
| NYC: single, weekly $400, 3 exemptions | $6.11 | $6.11 | match |
| NYC: married, semimonthly $5,000, 3 exemptions | $184.37 | $184.37 | match |
| Yonkers resident: single, weekly $400, 3 exemptions | $1.34 | $1.34 | match |
| IRS wage-bracket table: biweekly, $1,075–$1,090, single | $46 | $46 | match |
| IRS wage-bracket table: biweekly, $2,205–$2,225, married filing jointly | $98 | $98 | match |
| IRS wage-bracket table: monthly, $3,185–$3,225, head of household | $119 | $119 | match |
| IRS wage-bracket table: weekly, $1,145–$1,155, single, Step 2 checked | $168 | $168 | match |
Two of the department's printed examples sit one cent away from exact rounding, in opposite directions ($258.51 and $248.11); the table method allows that.
Paycheck calculator
Federal income tax follows IRS Publication 15-T (2026) Worksheet 1A for a Form W-4 from 2020 or later. Social Security stops at $184,500 of wages for the year; the extra 0.9% Medicare starts once year-to-date wages pass $200,000.
Every-two-weeks paychecks at a glance
| Gross pay | Federal tax | State withholding | FICA | State contributions | Net (single, 1 allowance) | Net (married, 2 allowances) |
|---|---|---|---|---|---|---|
| $1,000.00 | $38.08 | $30.20 | $76.50 | $9.32 | $845.90 | $887.20 |
| $1,500.00 | $96.15 | $57.20 | $114.75 | $13.98 | $1,217.92 | $1,291.14 |
| $2,500.00 | $216.15 | $111.20 | $191.25 | $23.30 | $1,958.10 | $2,045.16 |
| $4,000.00 | $540.38 | $195.07 | $306.00 | $37.28 | $2,921.27 | $3,152.86 |
| $6,000.00 | $1,006.69 | $342.88 | $459.00 | $55.92 | $4,135.51 | $4,514.68 |
Biweekly pay, federal W-4 with no Step 2–4 entries, no year-to-date wages before this check.
What to watch in New York
- Supplemental wages paid separately may be withheld at 11.70% (state), 4.25% (New York City) and 1.959750% (Yonkers resident) instead.
- The optional federal-allowance adjustment in Table D is not applied.
- Employers may choose not to collect the disability (DBL) contribution; it is shown at the maximum the law allows.
Sources
- NYS Department of Taxation and Finance: NYS-50-T-NYS (1/26) New York State withholding tables and methods
- NYS-50-T-NYC (1/26) New York City withholding tables and methods
- NYS-50-T-Y (1/26) City of Yonkers withholding tables and methods
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — Worksheet 1A and 2026 Percentage Method Tables for Automated Payroll Systems (p. 10, 12)
- NYS Workers' Compensation Board: Paid Family Leave 2026 (0.432%, max $411.91)
- NYS Workers' Compensation Board: Disability Benefits Law (0.5%, max 60 cents a week, WCL §209)
Planning a salary rather than a paycheck? See New York take-home pay by salary.
Estimates for payroll planning, not tax advice. Withholding is an estimate of the year's tax, not the tax itself.