About NYC Paycheck Calc
Last updated
What the calculator works out
- Federal income tax withholding with the IRS percentage method, for a Form W-4 from 2020 or later
- Social Security, Medicare and the Additional Medicare Tax
- New York State income tax, with the allowances and extra withholding on Form IT-2104
- New York City and Yonkers income tax for residents
- New Jersey and Connecticut income tax for commuters with a job in the city
- NY disability insurance (SDI) and Paid Family Leave
- Pre-tax deductions: 401(k), 403(b) and 457(b) contributions, health premiums, HSA, health FSA, dependent care FSA, and transit and parking benefits
- After-tax deductions: Roth 401(k) contributions, union dues and anything else taken after tax
- A salary, or an hourly rate with overtime, paid weekly, biweekly, semimonthly or monthly
How each paycheck is worked out
The calculator runs the whole year one paycheck at a time, the way payroll does. The figure per paycheck is your first paycheck of the year, and each yearly figure adds up all of your paychecks, so the totals stay exact when Social Security stops at its wage base or Paid Family Leave reaches its cap partway through the year. When a paycheck changes, the calculator says which one and why.
Every line is rounded to the cent on each paycheck, and the yearly total is the sum of those rounded amounts, as on a real pay stub.
Tax rates and sources for 2026
Based on 2026 IRS and New York State withholding tables. Every rate and threshold comes from the pages below, last checked on September 24, 2026.
Federal income tax withholding
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods
- IRS Publication 15 (2026), (Circular E), Employer's Tax Guide
- Form W-4 (2026), Employee's Withholding Certificate
- Rev. Proc. 2025-32, 2026 inflation adjustments
Social Security and Medicare
- IRS Publication 15 (2026), (Circular E), Employer's Tax Guide
- Social Security Administration: 2026 Cost-of-Living Adjustment Fact Sheet
New York State income tax
- NYS-50-T-NYS (1/26), New York State Withholding Tax Tables and Methods
- NYS-50 (12/25), Employer's Guide to Unemployment Insurance, Wage Reporting, and Withholding Tax
- Tax.NY.gov: Withholding tax rate changes
- Form IT-2104 (2026), Employee's Withholding Allowance Certificate, and instructions
- New York Tax Law section 601, imposition of tax
- New York Tax Law section 614, New York standard deduction
- New York Tax Law section 616, New York exemption
- Tax.NY.gov: Public employee 414(h) retirement contributions and New York City flexible benefits program (IRC 125)
- Instructions for Form IT-203, Nonresident and Part-Year Resident Income Tax Return
- Tax.NY.gov: Frequently asked questions about filing requirements, residency, and telecommuting
New York City income tax
- NYS-50-T-NYC (1/26), New York City Withholding Tax Tables and Methods
- NYS-50 (12/25), Employer's Guide to Unemployment Insurance, Wage Reporting, and Withholding Tax
- 2025 Form IT-201-I, Instructions for Form IT-201
- New York Tax Law section 1304, New York City rate of tax
- New York Tax Law section 1304-B, New York City additional tax
- A.11561, Chapter 127 of the Laws of 2026, Part D (NYC rates extended)
Yonkers income tax
- NYS-50-T-Y (1/26), Yonkers Withholding Tax Tables and Methods
- NYS-50 (12/25), Employer's Guide to Unemployment Insurance, Wage Reporting, and Withholding Tax
New York SDI
New York Paid Family Leave
- New York Paid Family Leave: Updates for 2026
- NY Workers' Compensation Board: 2025 Paid Family Leave update
- Rev. Rul. 2025-4, state paid family and medical leave (IRB 2025-07)
- New York Paid Family Leave: Out-of-State Employers
New Jersey income tax
- NJ-WT, New Jersey Income Tax Withholding Instructions
- New Jersey Withholding Rate Tables, percentage method
- Form NJ-W4, Employee's Withholding Allowance Certificate
- Form NJ-1040 instructions (2025), with Schedule NJ-COJ and the Tax Table
- New Jersey Tax Rate Schedules (2020 and after)
- GIT-3W, Credit for Income Taxes Paid to Other Jurisdictions (Wage Income)
- TB-39(R), Cafeteria Plans
- TB-24(R), Employer-Provided Commuter Transportation Benefits
- NJ Division of Taxation: NJ Income Tax, Wages
Connecticut income tax
- IP 2026(1), Connecticut Employer's Tax Guide (Circular CT), with Form CT-W4
- TPG-211, 2026 Withholding Calculation Rules
- Form CT-1040 TCS, Tax Calculation Schedule
- Form CT-1040 instructions (2025), Schedule 2
2026 plan limits
- IR-2025-111, 2026 401(k) and IRA limits
- Notice 2025-67, 2026 retirement plan limits (IRB 2025-49)
- Rev. Proc. 2025-19, 2026 HSA amounts (IRB 2025-21)
- Rev. Proc. 2025-32, 2026 inflation adjustments
- IRS Publication 15-B (2026), Employer's Tax Guide to Fringe Benefits
- IRS: Employer pick-up contributions to benefit plans
- IRS: Are retirement plan contributions subject to withholding for FICA, Medicare or federal income tax?