$Paycheck Calculator.
Updated for tax year 2026

New York City Paycheck Calculator

New York City residents pay a progressive NYC personal income tax from 3.078% to 3.876% on top of state and federal taxes. Run your pay through the New York calculator below, then use the tables to see the NYC personal income tax layer with 2026 federal rates.

$/ year
$

401(k), HSA, health insurance premiums

Estimated take-home pay

$1,898.19

per bi-weekly paycheck · $49,353 / year

Gross pay
$2,500.00
Federal income tax
$216.15
New York income tax
$114.23
NYC NYC personal income tax
$80.17
Social Security · 6.2%
$155.00
Medicare · 1.45%
$36.25
Net pay
$1,898.19

Effective tax rate

24.1%

Marginal bracket

12.0%

Uses the 2026 federal brackets, standard deduction and FICA rates and New York's 2025 state rates, plus the New York City NYC personal income tax (2025 rates). Your pay stub may differ by a few dollars because payroll rounds through the IRS withholding tables.

Includes federal, New York state and the New York City NYC personal income tax (2025 rates) in one result.

New York City NYC personal income tax

4 brackets, top rate 3.876%

RateSingleMarried filing jointly
3.078%$0 - $12,000$0 - $21,600
3.762%$12,000 - $25,000$21,600 - $45,000
3.819%$25,000 - $50,000$45,000 - $90,000
3.876%Over $50,000Over $90,000

Charged on city taxable income - roughly your wages minus the same standard deduction New York State allows. Only residents of the five boroughs pay it; commuting into Manhattan from New Jersey, Long Island or Westchester costs nothing in city tax. It is withheld through the same IT-2104 process as state tax and filed on your New York State return. Figures are 2025 rates.

On top of that, New York has a progressive income tax from 4% to 10.9%. See the New York paycheck calculator.

Examples

Take-home pay in New York City

Single filer living in New York City, paid every two weeks, no pre-tax deductions, 2026 federal rates.

SalaryNYC tax / yrNet per checkNet / yearTax rate
$45,000$1,317$1,352$35,15121.9%
$60,000$1,891$1,762$45,80423.7%
$75,000$2,472$2,138$55,60025.9%
$100,000$3,441$2,723$70,78729.2%
$150,000$5,379$3,864$100,46033.0%

Tax rate includes federal income tax, New York state tax, Social Security, Medicare and the New York City NYC personal income tax. Hourly instead? The hourly paycheck calculator covers any wage - add roughly 3.876% for the city.

The full stack

Every tax layer on a New York City paycheck

New York City pay carries four layers: federal income tax, New York state tax, FICA (Social Security + Medicare) and the NYC personal income tax. Single filer, 2026 federal rates, annual figures.

SalaryFederalNew YorkFICANYCAll taxesOverall rate
$75,000$7,670$3,520$5,738$2,472$19,40025.9%
$100,000$13,170$4,952$7,650$3,441$29,21329.2%
$150,000$24,734$7,952$11,475$5,379$49,54033.0%

The NYC column is what living in New York City costs on top of what the rest of New York pays. The breakdown behind the federal and FICA columns is in how much tax is taken out of a paycheck.

FAQ

Frequently asked questions

What does New York City's minimum wage pay after taxes?+

The minimum wage in New York City is $17.00 an hour (effective January 1, 2026). Full-time at 40 hours that's $35,360 a year gross; a single filer living in New York City takes home about $1,089 per biweekly check after federal tax, New York state tax, FICA and the NYC personal income tax.

How much is the New York City NYC personal income tax?+

New York City residents pay a progressive NYC personal income tax from 3.078% to 3.876% on top of state and federal taxes. Charged on city taxable income - roughly your wages minus the same standard deduction New York State allows. Figures are 2025 rates. Only residents of the five boroughs pay it; commuting into Manhattan from New Jersey, Long Island or Westchester costs nothing in city tax. It is withheld through the same IT-2104 process as state tax and filed on your New York State return.

How much is $75,000 after taxes in New York City?+

A single filer paid every two weeks takes home about $2,138 per check, or $55,600 a year, after federal tax, New York state tax, Social Security, Medicare and about $2,472 of New York City NYC personal income tax - an overall effective rate of 25.9%.

Do non-residents pay the New York City NYC personal income tax?+

No. The NYC personal income tax applies only to New York City residents. Commuting into the city from outside costs nothing in city tax, though your own city or county may levy its own.

What is $25 an hour after taxes in New York City?+

$25/hour at 40 hours a week is $52,000 a year. A single filer living in New York City takes home about $1,543 per biweekly check - $40,123 a year after federal tax, New York state tax, Social Security, Medicare and the NYC personal income tax. Use the calculator's hourly mode above for your own rate, hours and overtime.

Is the New York City NYC personal income tax taken out of every paycheck?+

Generally yes - employers in New York City withhold it each pay period alongside federal and New York withholding, so it shows up as its own line on the pay stub. It is withheld through the same IT-2104 process as state tax and filed on your New York State return.

Sources

Estimates for planning, not tax advice. City figures are 2025 rates verified against the sources above; federal figures are 2026 IRS numbers.

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