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.
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%
| Rate | Single | Married 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 $50,000 | Over $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.
| Salary | NYC tax / yr | Net per check | Net / year | Tax rate |
|---|---|---|---|---|
| $45,000 | $1,317 | $1,352 | $35,151 | 21.9% |
| $60,000 | $1,891 | $1,762 | $45,804 | 23.7% |
| $75,000 | $2,472 | $2,138 | $55,600 | 25.9% |
| $100,000 | $3,441 | $2,723 | $70,787 | 29.2% |
| $150,000 | $5,379 | $3,864 | $100,460 | 33.0% |
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.
| Salary | Federal | New York | FICA | NYC | All taxes | Overall rate |
|---|---|---|---|---|---|---|
| $75,000 | $7,670 | $3,520 | $5,738 | $2,472 | $19,400 | 25.9% |
| $100,000 | $13,170 | $4,952 | $7,650 | $3,441 | $29,213 | 29.2% |
| $150,000 | $24,734 | $7,952 | $11,475 | $5,379 | $49,540 | 33.0% |
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
- NYS Department of Taxation and Finance, New York City income tax rates
- NYS withholding tax tables (NYS-50-T-NYC)
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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