New York · 2026
New York paycheck calculator
| Item | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,307.69 | $59,999.94 |
| Federal income tax | −$193.08 | −$5,020.08 |
| Social security | −$143.08 | −$3,720.08 |
| Medicare | −$33.46 | −$869.96 |
| New York income tax | −$102.90 | −$2,675.40 |
| NY disability (DBL) | −$1.20 | −$31.20 |
| NY Paid Family Leave | −$9.97 | −$259.22 |
| Take-home pay | $1,824.00 | $47,424.00 |
The official method, step by step
For 2026, the New York lines are worked out as follows (rule set us-ny-2026.1): New York State income tax by NYS-50-T-NYS Method II, plus New York City tax by NYS-50-T-NYC Method II for city residents; DBL and PFL at the full employee rates (PFL stops at $411.91 a year).
- Pay is annualized, then reduced by the Form W-4 amount for your filing status ($8,600, or $12,900 if married filing jointly) unless the Step 2 box is checked.
- Federal income tax comes from the IRS 2026 Annual Percentage Method table for that status, divided back to one paycheck.
- Social security is 6.2% of wages until the year's wages reach $184,500.
- Medicare is 1.45% of all wages, plus 0.9% on wages over $200,000 in the year.
- A pre-tax 401(k) lowers federal income tax wages, not social security or Medicare wages.
- New York State income tax follows Method II (exact calculation) in NYS-50-T-NYS: the deduction and exemption allowances for the pay period come off first, then the rate table for the pay period and status applies. Very high pay uses Method III.
- Disability benefits (DBL) are 0.5% of wages, at most 60 cents a week. Paid Family Leave is 0.432% of gross wages in 2026, at most $411.91 for the year. Both show the full employee share; an employer can choose to pay some or all of it.
- For New York City residents, city income tax follows Method II in NYS-50-T-NYC, with the New York City allowances from line 2 of the IT-2104.
What this leaves out
The calculator works out federal income tax, social security, Medicare and the New York State lines for 2026, and leaves out the items below.
- Yonkers income tax
- Other local taxes, where they apply
- IT-2104 additional withholding amounts
- Benefits, garnishments and other after-tax deductions
- W-4 Step 3 credits and Step 4 entries (the pay stub generator handles them)
Sources: NYS-50-T-NYS (1/26), New York State Withholding Tax Tables and Methods, Method II tables A–C and II-A to II-D, Method III; New York Paid Family Leave, 2026 updates (employee contribution 0.432% of gross wages, annual maximum $411.91); NY Workers' Compensation Board, disability benefits for employers (employee contribution one-half of one percent of wages, no more than sixty cents a week); NYS-50-T-NYC (1/26), New York City Withholding Tax Tables and Methods, effective 1 January 2026: Method II exact calculation, tables A–C and II-A to II-D; Form IT-2104, Employee's Withholding Allowance Certificate: New York City resident question, line 2 New York City allowances; IRS Publication 15-T (2026), Federal Income Tax Withholding Methods: Worksheet 1A and the Annual Percentage Method Tables; IRS Publication 15 (2026), (Circular E) Employer's Tax Guide: social security and Medicare tax, Additional Medicare Tax.
New York paycheck calculator: common questions
Common questions about New York paychecks and take-home pay in 2026, answered from the official sources listed above.
How is New York State income tax withheld from a paycheck?
With the state's withholding tables in NYS-50-T-NYS. The deduction allowance and an amount for each IT-2104 allowance are taken off the pay, then the rate table for the pay period and status gives the tax. The table rates start at 3.9%; the highest incomes use Method III, from 10.45% of all pay.
What are DBL and PFL on a New York pay stub?
DBL is the employee contribution to New York disability benefits: 0.5% of wages, no more than 60 cents a week. PFL is Paid Family Leave: 0.432% of gross wages in 2026, up to $411.91 for the year.
Does this include New York City tax?
Yes, for city residents: set “Lives in New York City” to Yes, or use the New York City paycheck calculator. Yonkers tax isn't included.
Can I make a pay stub from this?
Yes. “Make a New York pay stub with these numbers” opens the pay stub generator with this paycheck, New York as the work state and these deductions filled in. Once you add the pay date, it can recalculate the same state lines.
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