New York Paycheck Calculator (2025)
Instantly calculate your take-home pay with our free New York hourly paycheck calculator. See accurate estimates after federal, NY state, and NYC city taxes. Perfect for suburban workers and bi-weekly pay periods.
Your Estimated New York Paycheck Breakdown
Here's a detailed look at where your money goes. The results update instantly as you adjust your inputs, showing federal, state, and NYC city tax breakdowns.
Basic Information
How often you receive your paycheck
Utah state tax calculations applied (4.50% flat rate)
Your tax filing status affects your tax calculations
Paycheck Results
Deductions
Important Disclaimer
This calculator provides estimates only. Actual pay may differ due to:
- Additional taxes (local, disability, unemployment)
- Varying pay periods per year (not exactly 26 bi-weekly periods)
- Employer-specific deductions and benefits
- Mid-year tax law changes
Consult a tax professional for precise calculations.
How New York Hourly Paycheck Calculator Works
Our calculator uses advanced algorithms to provide accurate paycheck estimates based on New York's complex multi-layered tax structure including state, city, and federal taxes.
Enter Your Information
Input your hourly wage, work hours, pay frequency, and location. Our calculator automatically detects NYC vs suburban tax differences.
Real-Time Calculations
Our algorithm instantly calculates federal taxes, NY state taxes, NYC city taxes, SDI, PFL, and Medicare based on current 2025 rates.
Detailed Breakdown
See exactly how much goes to federal, state, and city taxes. Get both gross and net pay with comprehensive percentage breakdowns.
Export & Share
Download your results as a PDF or print them for your records. Share calculations with your employer or tax professional.
NYC vs Suburban Tax Detection
Automatically calculates NYC city income tax (3.078-3.876%) for residents and workers in NYC, while applying appropriate rates for suburban areas.
2025 New York Tax Rates
Uses the latest federal, NY state (4-10.9% progressive), and NYC city tax brackets, ensuring your calculations are current and accurate.
SDI & PFL Support
Includes mandatory State Disability Insurance (SDI) and Paid Family Leave (PFL) deductions specific to New York workers.
Bi-weekly Pay Optimization
Perfect for suburban workers and bi-weekly pay periods, with support for overtime calculations and complex pay structures.
Understanding Your New York Paycheck
New York's tax system is one of the most complex in the nation, with multiple layers including federal, state, and city taxes. NYC residents face additional city income tax, while suburban workers deal with different rates. Our calculator handles this complexity to give you accurate estimates.
New York Tax Structure vs. Federal Tax
Federal Income Tax
Federal Income Tax: This is paid to the U.S. government (the IRS). The rates are the same for everyone across the country, based on your income and filing status.
Utah State Income Tax
New York State Income Tax: This is paid to the NY State Department of Taxation. NY uses progressive rates from 4% to 10.9%, plus additional NYC city tax (3.078-3.876%) for residents and workers in NYC.
2025 New York Tax Structure
New York uses a progressive tax system with rates from 4% to 10.9%. NYC residents pay additional city income tax (3.078-3.876%). All NY workers pay mandatory SDI (0.5%) and PFL (0.388%) contributions. This multi-layered structure significantly impacts take-home pay.
Note: NYC city tax applies to residents and non-residents who work in NYC. Suburban workers outside NYC don't pay city tax but still pay state taxes.
Key Paycheck Terms Explained
Gross Pay
Your total earnings before any taxes or deductions are taken out.
Net Pay (Take-Home Pay)
The amount you actually receive in your bank account after all deductions.
FICA
Federal Insurance Contributions Act, which includes Social Security (6.2%) and Medicare (1.45%) taxes.
NYC City Tax
Additional income tax paid by NYC residents and workers, ranging from 3.078% to 3.876% based on income.
SDI (State Disability Insurance)
Mandatory NY state program providing disability benefits, deducted at 0.5% up to $0.60 per week.
PFL (Paid Family Leave)
NY state program providing paid family leave benefits, deducted at 0.388% up to $354.53 per year.
Frequently Asked Questions about New York Paychecks
What taxes are taken out of a paycheck in New York?
New York paychecks include: Federal Income Tax, Social Security (6.2%), Medicare (1.45%), New York State Income Tax (4-10.9% progressive rates), NYC City Income Tax (3.078-3.876% if you live/work in NYC), State Disability Insurance (SDI) (0.5% up to $0.60/week), and Paid Family Leave (PFL) (0.388% up to $354.53/year).
How is New York overtime calculated?
New York follows federal overtime laws. Overtime is calculated at 1.5x your regular hourly rate for hours worked over 40 in a week. Our New York hourly paycheck calculator supports both regular and overtime hours, making it perfect for suburban workers and bi-weekly pay periods.
Why is NYC paycheck lower than other cities?
NYC paychecks are lower due to multiple tax layers: federal taxes, New York State income tax (progressive rates up to 10.9%), NYC city income tax (up to 3.876%), plus mandatory state programs like SDI and PFL. This multi-layered tax structure significantly reduces take-home pay compared to tax-friendly states.
How accurate is this New York paycheck calculator?
Our tool uses the latest 2025 federal, New York State, and NYC tax rates to provide highly accurate estimates. It accounts for federal income tax, NY state tax, NYC city tax (if applicable), SDI, PFL, and pre-tax deductions. However, it should be used for informational purposes only - your actual paycheck may vary slightly due to employer-specific benefits or other unique deductions.
Ready to See Your Real Numbers?
Scroll back up to use the most comprehensive New York hourly paycheck calculator and get instant clarity on your earnings, including NYC city tax calculations.