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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 2.907% to 3.876%.

This calculator reflects the 2018 federal withholding tax changes.
Click here to learn more about how the Trump Tax Plan will affect you.

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State Income --% $--
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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: $60,741 (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 will be required 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, which goes to the IRS and count toward your annual 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 for federal income tax have changed for the 2018 tax year. The IRS released new guidelines in January and taxpayers should have seen changes to their paychecks, to reflect the new tax plan, starting in February 2018. For the time being, you do not need to fill out a new W-4. Your employer will use the withholdings on your current form.

The more allowances that you claim, the less you will have taken out for taxes and the bigger your paycheck will be. But be very cautious about claiming too many allowances. If you claim more allowances than you qualify for, you will be underpaying your taxes all year and you’ll have to pay the difference come tax season. Also if you have more than one job, keep in mind that you can’t claim the same allowances for different jobs. So you can divvy up your allowances among your jobs or you can claim all your allowances at one job and none at the others.

Additionally, 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% 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. 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
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 because N.Y.C. imposes an additional local income tax.

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 expense and build it 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.

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. 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 $1,062,650 pay that rate. (For heads of household the threshold is $1,594,050 and for married people filing jointly it is $2,125,450.)

Taxpayers in New York City have to pay local income taxes in addition to the state taxes that they pay. Like the state’s tax system, N.Y.C.’s local tax rates are progressive and based on income level and filing status. So wealthier individuals in New York City pay more in taxes than lower-income individuals do. 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).

State Income Tax Brackets

Single Filers
New York Taxable IncomeRate
$0 - $8,4504.00%
$8,450 - $11,6504.50%
$11,650 - $13,8505.25%
$13,850 - $21,3005.90%
$21,300 - $80,1506.45%
$80,150 - $214,0006.65%
$214,000 - $1,070,3506.85%
$1,070,350+8.82%
Married, Filing Jointly
New York Taxable IncomeRate
$0 - $17,0504.00%
$17,050 - $23,4504.50%
$23,450 - $27,7505.25%
$27,750 - $42,7505.90%
$42,750 - $160,5006.45%
$160,500 - $321,0506.65%
$321,050 - $2,140,9006.85%
$2,140,900+8.82%
Married, Filing Separately
New York Taxable IncomeRate
$0 - $8,4504.00%
$8,450 - $11,6504.50%
$11,650 - $13,8505.25%
$13,850 - $21,3005.90%
$21,300 - $80,1506.45%
$80,150 - $214,0006.65%
$214,000 - $1,070,3506.85%
$1,070,350+8.82%
Head of Household
New York Taxable IncomeRate
$0 - $12,7504.00%
$12,750 - $17,5504.50%
$17,550 - $20,8005.25%
$20,800 - $32,0005.90%
$32,000 - $106,9506.45%
$106,950 - $267,5006.65%
$267,500 - $1,605,6506.85%
$1,605,650+8.82%

NYC Income Tax Brackets

Single Filers
New York 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 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 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 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, you may want to 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 the IRS hands you a bill during tax season. You can fill out a new W-4 form with fewer allowances if you think this applies to you. Your New York paychecks will probably get smaller but remember 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.

If you don’t mind getting slightly smaller paychecks and you’re worried about having to pay a big bill at tax time, 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 way you are less likely to get slammed with a big tax bill in April and may even receive a small refund instead.

If you anticipate paying a lot of taxes this year, you can also take steps to keep more of your income. One way of doing this is increasing 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. Another option that you have is to put money in a spending account like a Health Savings Account or a Flexible Spending Account if your New York 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 spending accounts do not roll over from year to year, so if you don’t use the money you put in there, you will lose it.

New York Top Income Tax Rate

Year Top Income Tax Rate
20178.82%
20168.82%
20158.82%
20148.82%
20138.82%
20128.82%
20118.97%
20108.97%
20098.97%
20086.85%
20076.85%
20067.70%
20057.70%
20047.70%
20036.85%

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 2016 5-Year American Community Survey, MIT Living Wage Study, Bureau of Labor Statistics