New York Paycheck Calculator

The state of New York operates under a progressive income tax system, wherein the tax rates fluctuate between 4% and 10.9% depending on the taxpayer’s income level and filing status. However, if you reside in New York City, your paycheck will be further impacted as the city imposes its local income tax on top of the state tax. The income tax system in New York City is also progressive, featuring rates that range from 3.078% to 3.876%.

To see how these state and local taxes affect your actual take-home pay in New York, you can use a comprehensive paycheck stub maker to create an accurate pay stub breakdown based on your earnings and deductions.

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How Does the New York Payroll Tax Calculator Work?

When embarking on a new job in the Empire State, it is essential to fill out a Form W-4. This form serves as a basis for your new employer to determine the precise amount to deduct from your earnings as federal income taxes.

Notwithstanding government personal expenses, you will see FICA (Administrative Protection Commitments Act) charges deducted from your check. FICA charges are federal retirement aid and government medical care assessments, and they are kept at 6.2% and 1.45% of your compensation, respectively.

Your manager will match the sum you cover in FICA charges, multiplying the total commitments. It’s quite significant that, assuming you are independently employed, you should pay the whole sum yourself; however, fortunately, you can deduct the business segment.

New York Paycheck Calculator

If an individual earns $55,000 annually while residing in the New York region of the United States, they will be subject to a tax amount of $11,959. Consequently, their net pay will amount to $43,041 per year, equivalent to $3,587 per month. The average tax rate for this individual is 21.7%, while the marginal tax rate stands at 36.0%.

This marginal tax rate signifies that any additional income earned will be taxed at this rate. For example, if the individual’s salary increases by $100, they will be taxed $36.01, resulting in a net pay increase of only $63.99.

To better understand this breakdown or create a similar paycheck for your own income, you can use a ready-made paycheck template to generate an accurate and detailed paystub in minutes.

Important Note: The Stubcreator provides a paycheck calculator designed to provide essential guidance. This should not be relied upon to calculate exact taxes, payroll, or other financial data. You should seek a professional accountant regarding any particular requirement.

Taxable Base Wage

In New York, employers pay state unemployment insurance (UI) contributions on wages up to the annual taxable wage base. For 2026, the UI taxable wage base is $17,600 per employee per year. This represents the amount of annual earnings subject to state unemployment tax.

Year	New York Taxable Base Wage
2026	$17,600 yearly
2025	$12,800 yearly
2024	$12,500 yearly
2023	$12,300 yearly
2022	$12,000 yearly
2021	$11,800 yearly
2020	$11,600 yearly

SUTA Rates

The state unemployment tax rate (SUTA) that employers pay varies based on experience rating and fund balance. For 2026, employer UI contribution rates generally range from approximately 2.10% to 9.90%, with a new employer rate of 4.10%.

Year	New York SUTA Rates
2026	2.10% to 9.90% and 4.10%
2025	2.10% to 9.90% and 4.10%
2024	2.10% to 9.90% and 4.10%
2023	2.10% to 9.90% and 4.10%
2022	2.10% to 9.90% and 4.10%

FUTA Rates

A 6% tax rate applies to the first $7,000 of taxable wages an employee earns each year. Your FUTA tax rate may be reduced to 0.6% if you are eligible for a credit of up to 5.4% by paying state unemployment taxes on time. The FUTA tax must be paid by the employer on behalf of its workers; employees do not pay this tax.

Year	New York FUTA Rates
2026	6% on first $7000
2025	6% on first $7000
2024	6% on first $7000
2023	6% on first $7000
2022	6% on first $7000

FICA Rates

In New York, the FICA tax rates are the same as federal rates for all states:

Social Security Tax: 6.2% on the first $184,500 of wages (2026 wage base).
Medicare Tax: 1.45% on all wages.

Additional Medicare Tax

Employees pay an extra 0.9% on income over $200,000 (individual) and $250,000 (joint).

Year	California FICA Rates
2026	7.65%
2025	7.65%
2024	7.65%
2023	7.65%
2022	7.65%

Other Taxes

In New York, the PFL (Paid Family Leave) contribution rate for 2026 is 0.432% of gross wages, capped at $411.91 per year.
In New York, the DBL (Disability Benefits) contribution for 2026 is up to $0.60 per week for employees.

New York Paycheck Calculator

Below are the details of New York:

The process of initiating New York payroll taxes commences with employees completing Form W-4. This provided information aids in the calculation of the appropriate amount to be withheld.
If an employee does not complete the form, you will need to withhold tax as though no exemptions were described.
Life events such as marriage, divorce, the birth or adoption of a child, and other similar circumstances require employees to update their Form W-4 to reflect any changes that may affect their tax liabilities.
The personal income tax rate is 4.00%-10.90%.

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Questionnaires:

How is New York state income tax calculated?

New York employs a progressive income tax system with different tax brackets. Your state income tax withholding is influenced by your income level. Use a reliable paycheck calculator to estimate these withholdings accurately.

What are the main deductions included in a New York paycheck calculator?

Deductions in New York typically involve federal and state income taxes, Social Security, Medicare, and any applicable local taxes. Pre-tax deductions for items like health insurance and retirement contributions also affect your net pay.

Are there local taxes impacting my paycheck in New York?

New York has local income taxes, particularly in certain cities. Ensure your paycheck calculator considers both state and local taxes to provide accurate estimates based on your specific location.