Doing Payroll in New York? Here’s What You Need to Know Without the Headache

If you're working in New York or running a business there, you already know the paycheck situation isn’t always simple. Between the state taxes, city deductions, and all the extras like insurance or retirement withholdings, your stub can end up looking like a code sheet. That’s why ePaystub makes a huge difference. It figures everything out for you, so your paycheck looks right every time, no calculator needed.

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The Big Chunk That Comes Out of Your Check in NY

Let’s be real. New York doesn’t play when it comes to taxes. Your stub will likely include:

• Federal income tax, which changes depending on how much you make
• Social Security at 6.2 percent
• Medicare at 1.45 percent (plus another 0.9 if you’re making over 200k)
• New York state income tax, which climbs from around 4 percent up to nearly 11 if you’re earning six figures
• And if you live in NYC or Yonkers? Yep, they take their cut too

It adds up. A lot of folks are surprised how much lighter their paycheck feels. ePaystub lays it all out so you're not caught off guard.

Local Deductions You’ll Only See in NY

Living in the city? Your stub's probably got an extra line or two:

• NYC taxes run from about 3 percent up to nearly 4 depending on your income
• Yonkers takes around half a percent if you work or live there

Even if your job’s remote, if your address is in one of those places, expect that deduction to show up

Benefits and Other Stuff That Could Be On There

Every workplace is different, but most people have at least one of these showing on their stub:

• Health insurance premiums
• 401(k) or pension contributions
• Union dues (if you’re in a union gig like construction or transit)
• Pre-tax savings for things like transit, HSA, or childcare

With ePaystub, these get calculated automatically. You just plug in your info and download a clean, easy-to-read file.

If You’re Running Payroll for a Business, This Will Save Your Sanity

Trying to handle New York payroll manually is basically asking for errors. You’ve got federal taxes, state taxes, city taxes, unemployment insurance, family leave... it never ends. Whether you're paying your staff weekly or monthly, ePaystub keeps things tight without wasting your time.

It handles:

• State and federal tax math
• NYC and Yonkers local tax
• Paid Family Leave deductions
• And all the usual stuff like overtime or holiday pay

No spreadsheets. No tax tables. Just results.

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Creating a Paystub Shouldn’t Be a Puzzle

Here’s how it works when you use ePaystub, without sounding like a software tutorial:

• Drop in your name and whoever’s paying you (or your business name)
• Type in hours worked or your salary, bonuses, whatever’s relevant
• Let it do the math on federal and state taxes
• Click generate, and boom — there’s your stub

Whether you're making $1,500 every two weeks or $6,000 a month in freelance gigs, it'll show exactly what’s going where.

Why You Should Actually Look at Your Paystub

A lot of people just check their bank deposit and call it a day. But it's smart to take a few seconds and scan the stub. Stuff to look for:

• Was your overtime added correctly?
• Are your insurance or 401(k) deductions right?
• Is your city tax showing up if you moved recently?
• Do your year-to-date totals seem off?

Catching something early could save you a tax mess later. Especially around February or March when folks start prepping their returns.

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For Business Owners in NY: Some Quick Payroll Reminders

You’ve got a few more responsibilities than other states. Besides regular federal tax stuff, New York throws in:

• State unemployment contributions (which you cover)
• Paid Family Leave (deducted from employees' wages)
• Workers’ comp, depending on your setup
• NYC or Yonkers local taxes if applicable

Having a tool like ePaystub means you don’t have to memorize every rule. It keeps your records clean and makes tax season less painful.

Who Actually Uses This?

Honestly, it’s for anyone who needs a legit-looking paycheck breakdown:

• Small business owners who don’t want to pay for full-blown payroll software
• Freelancers who need to show income to get an apartment or car loan
• Regular employees whose job doesn’t issue traditional stubs but still need proof for taxes or a side hustle

You Don’t Need a CPA to Handle Payroll in New York

New York payroll can get wild fast, but it doesn’t have to. Whether you're tracking $2,300 a month from your art studio in Brooklyn or running payroll for your team upstate, ePaystub keeps it all manageable.

You get clean stubs, solid numbers, and fewer surprises when tax time rolls around.