New York City Paycheck Calculator 2026
The only major US city where your paycheck loses four layers: federal income tax, FICA, New York State tax, and NYC resident tax. This calculator includes all four, using the combined 2026 state and city schedules.
Estimate based on 2026 federal and New York City tax rules, the standard deduction, and no additional credits or income. Actual paycheck withholding depends on your Form W-4. This is not tax advice.
How New York City taxes your paycheck in 2026
NYC residents pay a city income tax of 3.078% to 3.876% on the same taxable income that New York State taxes, reported together on Form IT-201. If you live in any of the five boroughs, it applies no matter where you work. If you commute into the city from Long Island, New Jersey, Westchester, or Connecticut, you don't pay it.
NYC resident tax brackets (2026, single)
| Taxable income over | City rate |
|---|---|
| $0 | 3.078% |
| $12,000 | 3.762% |
| $25,000 | 3.819% |
| $50,000 | 3.876% |
The city schedule is nearly flat in practice: the top rate starts at just $50,000 of taxable income for single filers, so most full-time workers pay roughly 3.8% of taxable income in city tax, stacked on a state schedule that runs 4% to 10.9%.
Take-home pay examples in New York City
Estimated 2026 take-home pay for a single filer paid biweekly, no pre-tax deductions, all four tax layers included:
| Gross salary | Net per year | Net per biweekly check | Effective tax rate |
|---|---|---|---|
| $50,000 | $38,528 | $1,481.86 | 22.9% |
| $70,000 | $52,311 | $2,011.97 | 25.3% |
| $85,000 | $61,408 | $2,361.83 | 27.8% |
| $100,000 | $70,467 | $2,710.28 | 29.5% |
| $150,000 | $100,190 | $3,853.47 | 33.2% |
Frequently asked questions
Who pays New York City income tax?
NYC residents (all five boroughs) pay city income tax on their taxable income, filed with the state return on Form IT-201. Commuters who work in the city but live outside it do not pay NYC resident tax; the old commuter tax was repealed in 1999.
How much is NYC city tax in 2026?
Four brackets from 3.078% to 3.876%. For single filers the top 3.876% rate starts at $50,000 of taxable income, so most full-time NYC workers pay close to 3.8% of taxable income in city tax on top of state tax.
How much is $85,000 after taxes in NYC?
About $61,408 per year ($2,361.83 per biweekly check) for a single filer in 2026, after federal, New York State, and New York City taxes. The overall effective rate is about 27.8%.
Does Yonkers have a similar tax?
Yes. Yonkers residents pay a surcharge of 16.75% of their net New York State tax, and Yonkers nonresidents who earn wages there pay 0.5% of wages. This calculator models NYC only.
Sources and methodology
The calculator merges the 2026 New York State brackets with the NYC resident schedule (both apply to NY taxable income after the state standard deduction) plus the 2026 federal brackets, standard deduction, and FICA. It estimates annual liability divided across pay periods, not line-by-line W-4 withholding, and doesn't model city credits like the NYC school tax credit, which slightly reduce small bills. Data last verified 2026-06-10. Not tax advice.