What actually lands in your bank account from a New York City paycheck in 2026 — federal, state and city tax together, every deduction line, per paycheck and per year, computed from the official tables.
At 0% you put away $0 a year; each extra 1% costs about $29 a paycheck before its tax saving.
You keep 74% of gross pay — $2,141 of every $2,885 paycheck.
The same numbers, in the shape you see at work. It rewrites itself as you change the inputs above.
Each bar starts where the previous one ended. What is left at the bottom is your paycheck.
| Line | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,885 | $75,000 |
| Federal income tax | -$295 | -$7,670 |
| Social Security | -$179 | -$4,650 |
| Medicare | -$42 | -$1,088 |
| New York income tax | -$133 | -$3,453 |
| New York City income tax | -$95 | -$2,472 |
| Take-home pay | $2,141 | $55,667 |
Withholding in real life follows the IRS and New York withholding tables paycheck by paycheck, so an individual check can differ by a few dollars from this annualised estimate; the year-end totals are what the tables aim at.
| Frequency | Take-home per check | Gross per check |
|---|---|---|
| Weekly (52×/yr) | $1,071 | $1,442 |
| Biweekly (26×/yr) | $2,141 | $2,885 |
| Semimonthly (24×/yr) | $2,319 | $3,125 |
| Monthly (12×/yr) | $4,639 | $6,250 |
| Salary | Gross per check | Take-home per check | Take-home per year |
|---|---|---|---|
| $50,000 | $1,923 | $1,490 | $38,744 |
| $75,000 | $2,885 | $2,141 | $55,667 |
| $100,000 | $3,846 | $2,726 | $70,879 |
| $125,000 | $4,808 | $3,306 | $85,959 |
The state-specific rules behind the numbers above — the things a generic calculator gets wrong about New York City.
New York City taxes its residents on the same New York taxable income the state uses (after the $8,000 single / $16,050 joint state standard deduction), at 3.078% on the first $12,000, 3.762% to $25,000, 3.819% to $50,000 and 3.876% above that (single schedule). There is no separate city return and no separate city standard deduction — the city tax is computed and collected by New York State on Form IT-201.
Source: NYC Comptroller / NYS Tax Department resident schedules; NY Tax Law §1304.
Stack the layers: New York State's top rate of 10.9% plus the city's 3.876% gives a combined top marginal rate of 14.776% — higher than California's 13.3% and the highest state-plus-city rate in the US. It only bites on income above the top thresholds, but it is why very high earners feel NYC like nowhere else.
Source: NYS Tax Department; NYC resident schedule.
The NYC Earned Income Tax Credit adds 10% to 30% of your federal EITC, depending on income — one of the most generous city EITCs in the country. Separately, the NYC School Tax Credit pays a fixed refundable $63 (single) or $125 (joint) to residents with income up to $250,000, plus a rate-reduction component for taxable incomes up to $500,000. Both are claimed on the state return (Forms IT-215 and IT-201).
Source: NYS Department of Taxation and Finance (Forms IT-215, IT-201 instructions).
Only people who live in the five boroughs pay NYC income tax; part-year residents pay for their resident period. If you work in Manhattan but live in New Jersey, Connecticut or upstate, you owe no city tax — New York's old commuter tax was repealed in 1999 and never came back. Your home state's rules decide what you pay instead.
Source: NYS Tax Department (residency rules); commuter tax repeal, 1999.
This page is the local layer: NYC's resident income tax stacks on top of New York State tax for residents of the Bronx, Brooklyn, Manhattan, Queens and Staten Island. The only other local income tax in New York State is Yonkers' resident surcharge of 16.75% of state tax. Nonresidents pay neither.
Source: NYC Comptroller / NYS Department of Taxation and Finance — NYC resident tax schedules (NY Tax Law §1304)
Four resident brackets on your New York taxable income: 3.078% up to $12,000, 3.762% to $25,000, 3.819% to $50,000 and 3.876% above $50,000 (single). Joint filers get wider brackets. The schedule has not changed since 2017.
As a single filer living in the city: $3,441 of NYC tax for the year, on top of your state and federal tax. Altogether — federal, state, city and FICA — you keep $70,879 of the $100,000.
No. NYC income tax is a resident tax. Nonresidents who commute into the five boroughs have owed no city income tax since the commuter tax was repealed in 1999. You pay New York State tax as a nonresident on your NY-source wages, and your home state taxes you as a resident (usually with a credit for the NY tax).
No. The city tax is administered by New York State: it is calculated on your state return (Form IT-201 for residents), withheld by your employer through the city section of Form IT-2104, and any refund comes from the state, not the city.
Two are city-specific: the NYC Earned Income Tax Credit, worth 10%–30% of your federal EITC, and the NYC School Tax Credit — a refundable $63 (single) or $125 (joint) for residents earning up to $250,000, plus a rate-reduction amount at taxable incomes up to $500,000. New York State credits apply on the same return as well.
No — they are New York State's only two local income taxes, and they work differently. NYC has its own bracket schedule (3.078%–3.876%). Yonkers instead charges its residents a surcharge of 16.75% of their net New York State tax. You never pay both: each applies only to its own residents.
New York City paycheck calculator for 2026: take-home pay per paycheck and per year after federal tax, Social Security, Medicare, New York State tax and New York City income tax — on any salary or hourly wage.
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See what lands in your bank account from a New York City paycheck in 2026: federal income tax, Social Security and Medicare, New York State income tax and the New York City income tax that only city residents pay — per paycheck and per year, on a salary or an hourly wage. Rates checked 31 October 2026; all figures are for the 2026 tax year.
On a $75,000 salary paid bi-weekly in New York City (single filer, 2026): gross per paycheck is $2,884.62 and take-home is $2,141.05 — $55,667.41 a year after federal tax, Social Security and Medicare, New York State tax and New York City income tax.
The calculator annualises your pay, then layers the taxes in the order a city resident actually pays them: federal tax on the 2026 IRS brackets, Social Security and Medicare, New York State tax on the state’s nine-band schedule after the state standard deduction, and New York City tax at 3.078% to 3.876% on the same taxable income. The result is divided by your pay frequency.
Four resident brackets on your New York taxable income: 3.078% up to $12,000, 3.762% to $25,000, 3.819% to $50,000 and 3.876% above $50,000 (single). Joint filers get wider brackets. The schedule has not changed since 2017.
As a single filer living in the city: $3,441 of NYC tax for the year, on top of your state and federal tax. Altogether — federal, state, city and FICA — you keep $70,879 of the $100,000.
No. NYC income tax is a resident tax. Nonresidents who commute into the five boroughs have owed no city income tax since the commuter tax was repealed in 1999. You pay New York State tax as a nonresident on your NY-source wages, and your home state taxes you as a resident (usually with a credit for the NY tax).
No. The city tax is administered by New York State: it is calculated on your state return (Form IT-201 for residents), withheld by your employer through the city section of Form IT-2104, and any refund comes from the state, not the city.
Two are city-specific: the NYC Earned Income Tax Credit, worth 10%–30% of your federal EITC, and the NYC School Tax Credit — a refundable $63 (single) or $125 (joint) for residents earning up to $250,000, plus a rate-reduction amount at taxable incomes up to $500,000. New York State credits apply on the same return as well.
No — they are New York State's only two local income taxes, and they work differently. NYC has its own bracket schedule (3.078%–3.876%). Yonkers instead charges its residents a surcharge of 16.75% of their net New York State tax. You never pay both: each applies only to its own residents.
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