For more on how deductions change taxable wages, see our
pre-tax vs. post-tax deductions guide.
New York Paycheck Tax Calculator: How New York Withholding Works
For NYC wages, this page also works as a New York City paycheck tax calculator. A New York paycheck calculator has more lines to
get right than almost any other state. On your pay stub you'll see
NY SIT or NYS withholding,
possibly NYC or YON withholding, and NY SDI (or DBL) and NY PFL.
Our
pay stub abbreviations list
explains the other codes.
Federal Withholding for New York Paychecks
Federal withholding uses your Form W-4 and the 2026 federal
brackets. The calculator supports filing status, Step 2(c), Step 3
credits and Step 4(a), 4(b) and 4(c). If you claim the new overtime
or tips deductions, our
W-4 Step 4(b) worksheet guide
shows how to enter them, and our
2026 federal tax withholding guide
covers the rest.
Working Across State Lines
New York has no reciprocal agreements. Residents of
New Jersey,
Connecticut
and Pennsylvania who work in New York have New York State tax
withheld on those wages and claim a credit at home. New York also
applies a "convenience of the employer" rule: days a nonresident
works from home for their own convenience still count as New York
days.
Bonuses
When a bonus is paid separately, New York State withholds a flat
11.70%, New York City 4.25% and Yonkers residents 1.95975%. Federal
withholding (usually a flat 22%), FICA and PFL apply too. See
why bonuses are taxed so high.
Employer Payroll Costs in New York
Employers pay state unemployment insurance,
the Re-employment Service Fund charge and, in the New York City
area, the Metropolitan Commuter Transportation Mobility Tax. None of
those come out of your pay. At year-end, our
W-2 form generator
can use the same wage and withholding totals.
Why Your Actual New York Paycheck May Differ
This calculator is a close estimate, not your employer's payroll
run. Your IT-2104 on file, whether your employer uses the wage
bracket tables instead of the exact method, the PFL cap, benefit
elections and a 27th biweekly payday in some years can all move the
result a little.
Three-paycheck months
change monthly cash flow but not the tax on each check. For a full
checklist, see why your paycheck is lower than expected.
Official 2026 New York Payroll Sources
Payroll facts on this page are checked against
NYS-50-T-NYS (1/26),
NYS-50-T-NYC,
NYS-50-T-Y,
New York Paid Family Leave 2026 updates
and IRS Publication 15-T for 2026.
Reviewed September 25, 2026.