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New York Paycheck Calculator

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Use SmartAsset's paycheck calculator to calculate your take home pay per paycheck for both salary and hourly jobs after taking into account federal, state, and local taxes.

Overview of New York Taxes

New York state has a progressive income tax system with rates ranging from 4% to 8.82% depending on taxpayers’ income level and filing status. Living in New York City is more of a strain on your paycheck than living in the rest of the state, because the Big Apple imposes its own local income tax system on top of the state one. New York City’s income tax system is also progressive and rates range from 3.078% to 3.876%.

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  • Our Tax Expert

    Jennifer Mansfield, CPA Tax

    Jennifer Mansfield, CPA, JD/LLM-Tax, is a Certified Public Accountant with more than 30 years of experience providing tax advice. SmartAsset’s tax expert has a degree in Accounting and Business/Management from the University of Wyoming, as well as both a Masters in Tax Laws and a Juris Doctorate from Georgetown University Law Center. Jennifer has mostly worked in public accounting firms, including Ernst & Young and Deloitte. She is passionate about helping provide people and businesses with valuable accounting and tax advice to allow them to prosper financially. Jennifer lives in Arizona and was recently named to the Greater Tucson Leadership Program.

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New York Paycheck Calculator

Photo credit: ©iStock.com/Songquan Deng
New York Paycheck Quick Facts
  • New York income tax rate: 4% - 8.82%
  • Median household income: $62,765 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 2

How Your New York Paycheck Works

When you start a job in the Empire State, you have to fill out a W-4 form. Your new employer will use the information you provide on this form to determine how much to withhold from your paycheck in federal income taxes. How much you pay in federal income taxes depends on several factors like your marital status, how many allowances you claim, your salary and if you want additional tax withheld from your paycheck.

Because of President Trump’s new tax plan, withholding calculations changed for the 2018 tax year. You should have seen this reflected in your paychecks starting in early 2018. If you didn’t check your W-4 at that time, it’s a good idea to look at it now to ensure your information is all still correct.

The more allowances that you claim, the less your employer takes out for taxes and the bigger your paycheck is. Be very cautious about claiming too many allowances, though. If you claim more allowances than you qualify for, you will underpay your taxes all year and you’ll have to pay the difference come tax season.

If you have more than one job, keep in mind that you can’t claim the same allowances for different jobs. So you can either divvy up your allowances between your jobs or you can claim all your allowances at one job and none at the others.

In addition to federal income taxes, you will see FICA (Federal Insurance Contributions Act) taxes being withheld from your paycheck. FICA taxes are Social Security and Medicare taxes and they are withheld at rates of 6.2% and 1.45% of your salary, respectively. Your employer will match the amount you pay in FICA taxes so the total contributions are doubled. It’s worth noting that if you are self-employed, you will have to pay the entire amount yourself, though the good news is that you can deduct the employer portion. Any wages you earn in excess of $200,000 are subject to a 0.9% Medicare surtax. This is not matched by employers.

New York Median Household Income

YearMedian Income
2017$62,765
2016$60,741
2015$59,269
2014$58,878
2013$57,369
2012$56,448
2011$55,246
2010$54,148
2009$54,659
2008$56,033

What your tax burden looks like in New York depends on where in the state you live. If you live in New York City, you're going to face a heavier tax burden as compared to taxpayers who live in the rest of the state. That’s because NYC imposes an additional local income tax.

New York state’s progressive income tax system is structured similarly to the federal income tax system. There are eight tax brackets dependent on income level and filing status. Wealthier individuals pay higher tax rates than lower-income individuals. New York’s income tax rates range from 4% to 8.82%. The top tax rate is the eighth-highest in the country; however, only individual taxpayers whose taxable income exceeds $1,077,550 pay that rate. (For heads of household the threshold is $1,616,450 and for married people filing jointly it is $2,155,350.)

Taxpayers in New York City have to pay local income taxes in addition to state taxes. Like the state’s tax system, NYC’s local tax rates are progressive and based on income level and filing status. There are four tax brackets starting at 3.078% on taxable income up to $12,000 for single filers and married people filing separately. The top rate for individual taxpayers is 3.876% on income over $50,000. The rates are the same for couples filing together and heads of households but the income levels are different.

Yonkers also levies local income tax. Residents pay 16.75% of their net state tax, while non-residents pay 0.5% of wages.

Also of note, certain self-employed taxpayers in New York City, as well as Rockland, Nassau, Suffolk, Orange, Putnam, Dutchess, and Westchester counties have to pay a metropolitan commuter transportation mobility tax (MCTMT) of 0.34% of net earnings to the Metropolitan Transportation Authority (MTA).

While New York as a whole has a generally high tax burden, it doesn’t necessarily mean you shouldn’t buy a home there. It does mean it’s a good idea to be aware of the ongoing expenses and build them into your budget. If you are considering using a mortgage to purchase or refinance a property in New York, our New York mortgage guide can provide useful information about rates and getting a mortgage in the state.

State Income Tax Brackets

Single Filers
New York Taxable IncomeRate
$0 - $8,5004.00%
$8,500 - $11,7004.50%
$11,700 - $13,9005.25%
$13,900 - $21,4005.90%
$21,400 - $80,6506.45%
$80,650 - $215,4006.65%
$215,400 - $1,077,5506.85%
$1,077,550+8.82%
Married, Filing Jointly
New York Taxable IncomeRate
$0 - $17,1504.00%
$17,150 - $23,6004.50%
$23,600 - $27,9005.25%
$27,900 - $43,0005.90%
$43,000 - $161,5506.45%
$161,550 - $323,2006.65%
$323,200 - $2,155,3506.85%
$2,155,350+8.82%
Married, Filing Separately
New York Taxable IncomeRate
$0 - $8,5004.00%
$8,500 - $11,7004.50%
$11,700 - $13,9005.25%
$13,900 - $21,4005.90%
$21,400 - $80,6506.45%
$80,650 - $215,4006.65%
$215,400 - $1,077,5506.85%
$1,077,550+8.82%
Head of Household
New York Taxable IncomeRate
$0 - $12,8004.00%
$12,800 - $17,6504.50%
$17,650 - $20,9005.25%
$20,900 - $32,2005.90%
$32,200 - $107,6506.45%
$107,650 - $269,3006.65%
$269,300 - $1,616,4506.85%
$1,616,450+8.82%

NYC Income Tax Brackets

Single Filers
New York City Taxable IncomeRate
$0 - $12,0003.078%
$12,000 - $25,0003.762%
$25,000 - $50,0003.819%
$50,000+3.876%
Married, Filing Jointly
New York City Taxable IncomeRate
$0 - $21,6003.078%
$21,600 - $45,0003.762%
$45,000 - $90,0003.819%
$90,000+3.876%
Married, Filing Separately
New York City Taxable IncomeRate
$0 - $12,0003.078%
$12,000 - $25,0003.762%
$25,000 - $50,0003.819%
$50,000+3.876%
Head of Household
New York City Taxable IncomeRate
$0 - $14,4003.078%
$14,400 - $30,0003.762%
$30,000 - $60,0003.819%
$60,000+3.876%

How You Can Affect Your New York Paycheck

If you find yourself always paying a big tax bill in April, take a look at your W-4 form. It’s possible that you are claiming too many allowances and not having enough taxes withheld during the year, which is why you get a tax bill from the IRS. You can fill out a new W-4 form with fewer allowances if you think this applies to you. Your paychecks will get smaller if you claim fewer allowances, but remember that you have to pay those taxes either way. You are simply spreading out your tax burden over the entire year instead of having to come up with a lump sum in April.

Another option that you have is to ask your employer to withhold an additional dollar amount from your paychecks. For example, you can have $25 in taxes taken out of each paycheck by writing that amount on the correct line of your W-4. This paycheck calculator will help you determine how much additional withholding you should have.

Another way to manipulate the size of your paycheck - and save on taxes in the process - is to increase your contributions to employer-sponsored retirement accounts like a 401(k) or 403(b). The money you put into these accounts is taken out of your paycheck prior to taxes being subtracted. So by putting money away for retirement, you are actually lowering your taxable income, which can help you save in taxes right now. Another option is to put money in a spending account like a health savings account (HSA) or a flexible spending account (FSA) if your employer offers them. The money you put in these accounts is also taken from your paycheck before taxes, and you can use those pre-tax dollars to pay for medical-related expenses like copays or certain prescriptions. Just keep in mind that only $500 in an FSA will roll over from year to year. If you contribute more than and then don’t use it, you're out of luck.

New York Top Income Tax Rate

Year Top Income Tax Rate
20188.82%
20178.82%
20168.82%
20158.82%
20148.82%
20138.82%
20128.82%
20118.97%
20108.97%
20098.97%
20086.85%
20076.85%
20067.70%

Most Paycheck Friendly Places

SmartAsset's interactive map highlights the most paycheck friendly counties across the country. Zoom between states and the national map to see data points for each region, or look specifically at one of the four factors driving our analysis: Semi-Monthly Paycheck, Purchasing Power, Unemployment Rate, and Income Growth.

Worse
Better
Rank County Semi-Monthly Paycheck Purchasing Power Unemployment Rate Income Growth

Methodology Our study aims to find the most paycheck friendly places in the country. These are places in the country with favorable economic conditions where you get to keep more of the money you make. To find these places we considered four different factors: semi-monthly paycheck, purchasing power, unemployment rate and income growth.

First, we calculated the semi-monthly paycheck for a single individual with two personal allowances. We applied relevant deductions and exemptions before calculating income tax withholding. To better compare withholding across counties we assumed a $50,000 annual income. We then indexed the paycheck amount for each county to reflect the counties with the lowest withholding burden.

We then created a purchasing power index for each county. This reflects the counties with the highest ratio of household income to cost of living. We also created an unemployment rate index that shows the counties with the lowest unemployment. For income growth, we calculated the annual growth in median income over five years for each county and indexed the results.

Finally, we calculated the weighted average of the indices to yield an overall paycheck friendliness score. We used a one half weighting for semi-monthly paycheck and a one-sixth weighting for purchasing power, unemployment rate and income growth. We indexed the final number so higher values reflect the most paycheck friendly places.

Sources: SmartAsset, government websites, US Census Bureau 2017 5-Year American Community Survey, MIT Living Wage Study, Bureau of Labor Statistics