Use our New York Paycheck Calculator to quickly figure out how much you’ll take home after taxes. Just enter your salary, pay frequency, and deductions and get a detailed breakdown of your gross pay, taxes, and net pay in seconds.
How Your New York Paycheck is Calculated
Your take-home pay depends on several deductions from your gross earnings. The basic formula is:
Gross Pay – (Federal Taxes + State Taxes + Local Taxes + FICA) = Net Pay
Here’s a quick breakdown of each part:
- Gross Pay: Your total earnings before any deductions, including hourly wages, salaries, bonuses, and commissions.
- Federal Income Tax: A percentage withheld based on IRS tax brackets, your W-4 filing status, and claimed dependents.
- FICA Taxes: Social Security and Medicare taxes that fund retirement and healthcare benefits.
- State Income Tax: Taxes withheld by New York State based on your income level and filing status.
- Local Taxes: Additional taxes imposed by certain New York cities or localities, such as New York City and Yonkers.
A Guide to New York State Payroll Taxes
New York State Income Tax
New York has a progressive income tax structure. The more you earn, the higher your tax rate. Below are the 2025 New York state income tax brackets for single filers:
| Taxable Income (Single Filers) | 2025 Tax Rate |
|---|---|
| Up to $8,500 | 4.00% |
| $8,501 – $11,700 | 4.50% |
| $11,701 – $13,900 | 5.25% |
| $13,901 – $21,400 | 5.85% |
| $21,401 – $80,650 | 6.25% |
| $80,651 – $215,400 | 6.85% |
| $215,401 – $1,077,550 | 9.65% |
| Over $1,077,550 | 10.30% |
The standard deduction in New York for 2025 is $8,000 for single filers and $16,050 for married couples filing jointly. Taxpayers can also claim personal exemptions and credits such as the Earned Income Credit, Child and Dependent Care Credit, and School Tax Relief (STAR) program if eligible.
State-Specific Programs & Withholdings
New York requires additional payroll deductions for certain state-managed programs that support workers and families:
- New York State Disability Insurance (SDI): Employees contribute 0.5% of wages, capped at $0.60 per week. This program provides short-term disability benefits.
- Paid Family Leave (PFL): Employees contribute up to 0.373% of wages, capped at an annual maximum of $333.25 for 2025. This program provides paid time off for family or medical leave.
- Unemployment Insurance (UI): Paid by employers only; employees are not directly taxed for this.
These deductions may appear on your pay stub under “NY SDI” or “PFL,” reducing your net pay slightly but offering important worker protections.
Understanding Federal & FICA Taxes
Federal and FICA taxes apply nationwide. They are a major part of your paycheck deductions:
- Social Security Tax: 6.2% on wages up to $168,600 in 2025.
- Medicare Tax: 1.45% on all wages, plus an additional 0.9% surtax on income above $200,000 for single filers or $250,000 for married couples filing jointly.
Your employer matches your FICA contributions, but only your portion appears as a deduction. Federal income tax rates depend on your filing status, taxable income, and the information you provide on your W-4 form.
Local Taxes in New York
New York is one of the few states where local income taxes significantly impact take-home pay. Two main jurisdictions impose local income taxes:
- New York City: Residents pay an additional city income tax ranging from 3.078% to 3.876%, depending on income.
- Yonkers: Residents pay a 1.95975% income tax surcharge. Nonresidents working in Yonkers pay 0.50%.
If you live or work in New York City or Yonkers, your paycheck will reflect these additional local withholdings. Residents in other areas such as Buffalo, Albany, or Syracuse do not pay local income taxes but still contribute to state and federal programs.
Frequently Asked Questions (FAQs) About New York Paychecks
What is the minimum wage in New York?
As of 2025, the minimum wage in New York State is $16.00 per hour. However, the rate is higher in New York City, Long Island, and Westchester County, where the minimum wage is $17.00 per hour.
How often are paydays in New York?
New York employers must pay most employees at least semi-monthly. Manual workers are typically paid weekly, while clerical and professional employees can be paid bi-weekly or semi-monthly.
What is the New York state tax rate for 2025?
The 2025 New York state income tax rates range from 4.00% to 10.30%, depending on your taxable income and filing status.
Are 1099 contractors subject to New York taxes?
Yes. Independent contractors must pay New York state income tax and self-employment taxes. They are responsible for making estimated quarterly tax payments since taxes are not withheld automatically.
What are the overtime laws in New York?
Most employees are entitled to 1.5 times their regular pay rate for any hours worked over 40 in a week. Some exempt employees, such as executives or professionals, are not eligible for overtime.