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New York · True take-home pay for where you actually live
New York City paycheck calculator
Living in New York City adds a resident income tax on top of New York State. Working in the city does not. If you commute in from New Jersey, Long Island, or Westchester, uncheck “I live in this city” and the city line drops off. The state tax remains. This distinction is the whole point of a local layer.
City rates in this model are the long-standing resident schedule: 3.078%, 3.762%, 3.819%, and 3.876%, with brackets that widen for joint filers and heads of household. The base is approximated as New York taxable income, after the state standard deduction, not after the larger federal deduction. A household credit and the school tax credit are not computed, so a real IT-201 can differ by a few hundred dollars.
Stack the lines before you negotiate. Federal tax, Social Security, Medicare, state tax, city tax, a capped disability premium, and Paid Family Leave can all be on the same stub. A 401(k) trims the income-tax lines, including the city, because the city base follows taxable income. It does not trim FICA. The city brackets themselves are not a flat 3.876% on the first dollar.
Example take-home
| Salary | Federal | FICA | State | Payroll | Local | Net / year | Net / check |
|---|---|---|---|---|---|---|---|
| $40,000.00 | $2,620.00 | $3,060.00 | $1,563.00 | $204.00 | $1,125.75 | $31,427.25 | $1,208.73 |
| $60,000.00 | $5,020.00 | $4,590.00 | $2,643.00 | $290.40 | $1,890.69 | $45,565.91 | $1,752.53 |
| $80,000.00 | $8,770.00 | $6,120.00 | $3,723.00 | $376.80 | $2,665.89 | $58,344.31 | $2,244.01 |
| $100,000.00 | $13,170.00 | $7,650.00 | $4,859.75 | $443.11 | $3,441.09 | $70,436.05 | $2,709.08 |
| $150,000.00 | $24,734.00 | $11,475.00 | $7,809.75 | $443.11 | $5,379.09 | $100,159.05 | $3,852.27 |
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What this page includes
- Federal income tax using the 2026 standard deduction and Rev. Proc. 2025-32 brackets
- Social Security (6.2% up to $184,500) and Medicare (1.45%, plus Additional Medicare when wages clear the filing-status threshold)
- New York: graduated state income tax (top 10.9%)
- State payroll: New York disability (DBL), New York Paid Family Leave
- Local: New York City (NYC resident tax · IT-201 schedule)
Local tax
New York City uses resident brackets rather than a single flat wage percent. Working in the city without living there does not apply the resident schedule. Resident rates of 3.078%, 3.762%, 3.819%, and 3.876% have been the NYC schedule for years and remain the rates published for recent IT-201 instructions. The base here is New York taxable income (wages after the New York standard deduction and deductions that reduce New York wages). NYC modifications, the household credit, and the school tax credit are not modeled, so a real return can differ by a few hundred dollars.
What is not included
Credits, itemized deductions, multi-state credits, property tax, sales tax, and unsourced local rates are not included. Employer payroll tables can differ from this annualized estimate. This New York City page does not invent taxes that are missing from the 2026 data files.
Questions
I work in Manhattan and live in Hoboken. Do I pay NYC tax?
Not the resident tax. Leave the live-here switch off. You still owe New York State tax on New York wages, and New Jersey may have its own return. This estimate does not compute both states.
Is NYC tax 3.876% of my salary?
Only the slice of taxable income over $50,000 (single) is taxed at 3.876%. Lower slices use 3.078%, 3.762%, and 3.819%.
Does the city tax apply to a bonus?
In the aggregate method, a bonus raises taxable income and therefore raises city tax. A flat supplemental withholding rate is a payroll choice, not a different city law.
Nearby
Compare · Bonus · Hourly · New York (state) · New York (state) · Yonkers · All states · Local taxes
Sources
- IRS newsroom, tax year 2026 inflation adjustments (Rev. Proc. 2025-32)
- Rev. Proc. 2025-32 (PDF)
- Tax Foundation, 2026 federal income tax brackets
- IRS Publication 15-T, Federal Income Tax Withholding Methods
- SSA, Contribution and benefit base
- IRS Publication 15 (Circular E), Employer's Tax Guide
- IRS, Questions and answers for the Additional Medicare Tax
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026
- IRS, state government websites index
- New York State, disability benefits contribution cap
- New York Paid Family Leave, 2026 rates
- New York State, New York City tax rates
See a rate that looks wrong? The sources and the gaps are public.
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