Calculate your take-home pay after federal tax, NY state tax, and NYC local tax
Calculate Your Paycheck
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Your Take-Home Pay
$0.00
per paycheck
Gross Pay
$0.00
Federal Tax
$0.00
NY State Tax
$0.00
NYC Local Tax
$0.00
Social Security
$0.00
Medicare
$0.00
Other Deductions
$0.00
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How to Use the New York Paycheck Calculator
🗽 NYC Residents Pay Double Tax!
If you live in New York City, you pay both NY State income tax AND NYC local income tax (up to 3.876%). This calculator handles both automatically when you select "Yes" for NYC Resident.
Our New York paycheck calculator helps you understand exactly how much money you'll take home after federal taxes, New York State income tax, and NYC local tax (if applicable). Whether you're considering a move to New York, starting a job in Manhattan, Brooklyn, or Upstate, negotiating a salary, or planning your budget, this tool provides accurate calculations based on 2024 federal, state, and local tax rates.
Step-by-Step Instructions
1. Enter Your Salary or Hourly Rate: Input your annual salary or hourly wage. New York City salaries are typically higher to offset the cost of living and taxes.
2. Select NYC Resident Status: This is crucial! NYC residents pay an additional local income tax on top of NY State tax. Choose "Yes" if you live in any of the five boroughs (Manhattan, Brooklyn, Queens, Bronx, Staten Island).
3. Choose Pay Frequency: Select how often you get paid - bi-weekly, semi-monthly, weekly, or monthly.
4. Select Filing Status: Choose single, married filing jointly, or head of household. Both NY State and NYC have different brackets for each status.
5. Enter Federal Allowances: From your W-4 form. Affects only federal withholding.
6. Add Pre-Tax Deductions: Include 401(k) contributions and health insurance. These reduce both federal and state/local taxable income.
7. Click Calculate: See your take-home pay with detailed breakdown including NY State and NYC local taxes.
Understanding Your Results
Gross Pay: Your total earnings before deductions. NYC salaries average 20-30% higher than the national average.
Federal Income Tax: Same IRS rates as everywhere, using 2024 federal brackets.
NY State Tax: New York has progressive tax rates from 4% to 10.9%. The state follows federal rules for most deductions.
NYC Local Tax: Only applies if you're a NYC resident. Rates range from 3.078% to 3.876% based on income. This is ON TOP of state tax!
FICA Taxes: Social Security (6.2%) and Medicare (1.45%) are the same nationwide, plus additional Medicare tax for high earners.
Take-Home Pay: What hits your account. NYC residents typically take home 58-68% of gross pay, among the lowest in the nation.
New York State Tax Information (2024)
NY State Income Tax Rates
New York has eight tax brackets with rates from 4% to 10.9%:
4% on income up to $8,500 (single) / $17,150 (married)
4.5% on income $8,501-$11,700 / $17,151-$23,600
5.25% on income $11,701-$13,900 / $23,601-$27,900
5.85% on income $13,901-$80,650 / $27,901-$161,550
6.25% on income $80,651-$215,400 / $161,551-$323,200
6.85% on income $215,401-$1,077,550 / $323,201-$2,155,350
9.65% on income $1,077,551-$5,000,000 / $2,155,351-$5,000,000
10.9% on income over $5,000,000
NYC Local Income Tax Rates (Residents Only)
New York City imposes additional income tax on residents:
3.078% on income up to $12,000 (single) / $21,600 (married)
3.762% on income $12,001-$25,000 / $21,601-$45,000
3.819% on income $25,001-$50,000 / $45,001-$90,000
3.876% on income over $50,000 / $90,000
Important: NYC tax applies only if you live in the five boroughs. If you work in NYC but live elsewhere (e.g., New Jersey, Westchester), you don't pay NYC tax.
NY Standard Deduction
For 2024:
Single: $8,000
Married filing jointly: $16,050
Head of household: $11,200
Common Paycheck Scenarios in New York
Example 1: Entry-Level NYC Worker ($60,000/year)
A single filer making $60,000 annually in NYC, paid bi-weekly, with 4% 401(k): Take-home approximately $42,500/year or $1,635 per paycheck. Federal: ~$5,500, NY State: ~$2,800, NYC: ~$2,200, FICA: ~$4,600, 401(k): $2,400.
Example 2: Mid-Career NYC Professional ($100,000/year)
A single NYC resident making $100,000 annually would take home approximately $66,500/year or $2,558 per bi-weekly paycheck (with 6% 401(k)). Combined state + NYC tax: ~$7,800/year. Living outside NYC saves $3,876 annually in local tax!
Example 3: Senior Professional in Manhattan ($150,000/year)
A single filer making $150,000 in NYC with 10% 401(k) takes home approximately $95,000/year or $3,654 per bi-weekly paycheck. NY State tax: ~$10,500, NYC tax: ~$5,800. Total state+local: $16,300/year!
Example 4: Upstate NY Worker (No NYC Tax) ($75,000/year)
A single filer making $75,000 in Buffalo or Albany (not NYC) takes home approximately $53,000/year or $2,038 per bi-weekly paycheck. They save $2,900 annually by not paying NYC tax compared to a NYC resident.
Example 5: High Earner in NYC ($250,000/year)
A married filer making $250,000 in NYC takes home approximately $158,000/year or $6,077 per bi-weekly paycheck (with 12% 401(k)). NY State: ~$18,000, NYC: ~$9,700. Combined state+local taxes: $27,700/year - more than many people's entire salary!
NYC vs Upstate: The Tax Difference
Living in NYC vs Living Elsewhere in NY
The decision to live in NYC versus other parts of New York State has huge tax implications:
NYC Resident Tax Burden
Federal tax (same everywhere)
NY State income tax (4-10.9%)
NYC local income tax (3.078-3.876%)
Total combined marginal rate can exceed 50% for high earners!
Non-NYC NY Resident Tax Burden
Federal tax (same)
NY State income tax only (4-10.9%)
NO NYC local tax
Saves $2,000-$10,000+ annually
Annual Savings by Living Outside NYC
Same job, same salary, but living outside the five boroughs:
$50,000 salary: Save ~$1,900/year
$75,000 salary: Save ~$2,900/year
$100,000 salary: Save ~$3,900/year
$150,000 salary: Save ~$5,800/year
$200,000 salary: Save ~$7,750/year
Popular Alternatives to NYC Living
Many NYC workers live outside the city to avoid local tax:
New Jersey: No NYC tax, but NJ state tax is comparable to NY
Westchester County: No NYC tax, but high property taxes
Long Island: No NYC tax, good schools, reasonable commute
Connecticut: No NYC tax, but CT state tax applies
The savings from avoiding NYC tax can offset higher commuting costs and time.
Strategies to Reduce Your New York Tax Burden
1. Maximize Pre-Tax Retirement Contributions
401(k) and traditional IRA contributions reduce federal, NY State, and NYC taxable income. Max 401(k) ($23,000 in 2024) saves approximately $5,000-8,000 in combined taxes for higher earners.
2. Health Savings Account (HSA)
HSA contributions reduce all tax categories. Limits: $4,150 individual, $8,300 family in 2024.
3. Consider Living Outside NYC
The most impactful decision: living outside the five boroughs eliminates 3-4% local tax entirely. For a $100K earner, that's $3,900/year saved - enough for a car payment!
4. Optimize Your Withholding
Use IRS Form W-4 for federal and NY Form IT-2104 for state withholding. Avoid huge refunds - that's an interest-free loan to the government.
5. Take Advantage of NY Tax Credits
New York offers credits including:
Empire State Child Credit
Child and Dependent Care Credit
Real Property Tax Credit
NYC School Tax Credit (for homeowners)
6. Consider Moving to a No-Tax State
With remote work opportunities, many New Yorkers are moving to Florida, Texas, or other no-tax states. A $150K earner saves $13,000+ annually by moving from NYC to Florida.
Frequently Asked Questions
Do I pay NYC tax if I work in Manhattan but live in New Jersey?
No! NYC tax is based on residency, not where you work. If you live outside the five boroughs, you don't pay NYC local tax even if you work in the city. However, you'll pay your home state's income tax (NJ, CT, etc.).
What are the five boroughs subject to NYC tax?
Manhattan, Brooklyn, Queens, Bronx, and Staten Island. If your mailing address is in any of these, you pay NYC local tax.
Can I deduct my NYC commuting costs?
Generally no. Commuting expenses (subway, train, gas) are not tax deductible for employees under current federal tax law.
How does NY tax remote workers?
If you're a NY resident working remotely (even for an out-of-state company), you pay full NY state tax on all income. NYC residents also pay local tax. However, if you permanently move to another state and work remotely, you generally stop owing NY tax.
Should I move to Connecticut or New Jersey to avoid NYC tax?
You'll avoid NYC tax, but you'll pay CT or NJ state income tax instead (both have rates comparable to NY). The real benefit is if you move to a no-income-tax state like Florida or Texas.
What's the total tax rate for high earners in NYC?
For someone making $500K in NYC: Federal (37%) + NY State (10.9%) + NYC (3.876%) = roughly 51.8% marginal rate! Plus Social Security, Medicare, etc. This is why many high earners leave NYC.
How do I establish residency outside NY to stop paying NY tax?
NY is aggressive about claiming residents. To truly leave: spend less than 183 days in NY, establish domicile elsewhere (driver's license, voter registration, etc.), and document your intent. Consult a tax professional - NY audits are common.
Are bonuses taxed differently in New York?
Bonuses are taxed as ordinary income for state/local purposes (same rates as your salary). However, federal withholding on bonuses often uses a flat 22% rate, which might be different from your actual tax bracket.