New York Paycheck Calculator (2026) | NY Take-Home Pay
Provisional New York estimate covering federal tax, 2026 IT-2105i brackets + standard deduction + dependent exemption, FICA, and 2026 NY Paid Family Leave (capped), with optional NYC resident local tax from IT-2105 2026 schedules.
Use this page for a New York take-home sketch on an offer, raise, or NYC move. The NY path is provisional: 2026 progressive state income-tax brackets with the IT-2105 standard deduction and $1,000 dependent exemption, optional NYC resident local tax (IT-2105 2026 schedules by filing status) on the same taxable base, and 2026 employee Paid Family Leave (with annual cap). Disability Benefits (DBL), Yonkers, and other local payroll items are still omitted — so a real stub can look a bit lower. Enter gross pay below, set dependents in Advanced options, enable NYC if you live in the city, then Compare with Florida or Texas at the same salary.
Quick start idea: annual salary around $130,000, biweekly pay, filing single — enable NYC if you live in the city, then tune 401(k) or other deductions.
Salary bands to try (educational)
Single filer, biweekly pay, no extra pre-tax deductions. Toggle NYC in the calculator if you are a city resident. Directional only.
| Annual gross | Est. annual take-home | Est. biweekly |
|---|---|---|
| $90,000.00 | $67,486.45 | $2,595.63 |
| $130,000.00 | $93,079.34 | $3,579.97 |
| $180,000.00 | $124,304.34 | $4,780.94 |
Single filer, biweekly, no extra pre-tax deductions. Engine-generated educational estimate for tax year 2026 — not a payroll guarantee.
Results are educational estimates only — not tax, legal, or financial advice. Read the full Disclaimer & Terms of Usebefore relying on any figure.
Annual ordinary income-tax estimate, allocated evenly across pay periods — not an employer paycheck stub.
Directional state estimate; read the missing-items warnings.
Your estimate
Average take-home per pay period
$3,338.40
Take-home / year $86,798.34
Base assumption: wage income + basic standard deduction, before credits.
- New York dependent exemption ($1,000 per dependent for 2026) is included in taxable income.
- This is a directional state estimate; review the known missing items.
- New York Disability Benefits (DBL) employee deductions are not modeled; some stubs may still show DBL.
Breakdown
- Federal$675.77
- State$232.30
- Social Security$286.15
- Medicare$66.92
- State payroll (SDI / PFL)$15.84
- Pre-tax$0.00
How this number was built
- Annualized gross: $120,000.00
- Pre-tax deductions (annualized): $0.00
- Federal income tax estimate: $17,570.00
- State income tax estimate: $6,039.75
- FICA — Social Security $7,440.00, Medicare $1,740.00
- State payroll deductions (annualized): $411.91
- Estimated net — $86,798.34 / year, $3,338.40 / period
The link includes your calculator inputs so a friend can open the same estimate. Don’t share if those numbers are sensitive.
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Average take-home per pay period
$3,338.40
Take-home / year
$86,798.34
Other state calculators
FAQ
Does this include New York State and NYC tax?
A provisional New York State income-tax estimate using 2026 IT-2105i brackets, the standard deduction, and the $1,000 dependent exemption is included, plus 2026 employee Paid Family Leave (rate with annual cap). NYC is optional and uses IT-2105 2026 resident schedules by filing status; Disability Benefits (DBL), Yonkers, and other local items are omitted.
Should remote workers pick New York or their home state?
Choose the state that matches where you are taxed for the role you are modeling. Multi-state residency and convenience-of-employer rules are complex — treat this tool as an educational sketch, not a residency determination.
How do I compare a New York offer to Florida or Texas?
Open Compare: keep Offer A in New York (and NYC if needed), set Offer B to Florida or Texas with the same salary and pay frequency. The gap often reflects state (and optional NYC) tax on top of shared federal and FICA pieces.
When should I enable the NYC option?
Enable NYC if you are modeling New York City residency for that offer. It uses official IT-2105 2026 NYC resident rate schedules by filing status on the NY taxable base — not a full NYC return — and Yonkers / other local payroll items are still omitted.
Why might a real New York stub look lower?
Employer withholding, W-4 settings, Disability Benefits (DBL), benefits, and credits are not fully reproduced here. Paid Family Leave for 2026 is included with its annual cap. Use the result as an educational annual sketch, not a payroll guarantee.
Is New York always lower take-home than Florida at the same salary?
For the same gross W-2 wages, NY state tax (and NYC if enabled) often lowers modeled take-home versus Florida. Living costs, bonus, and benefits can still dominate — Compare for the tax slice only.