Use this calculator to estimate your net take-home pay in New York City, accounting for federal, New York State, and New York City income taxes, as well as common pre-tax and post-tax deductions.
Weekly
Bi-Weekly
Semi-Monthly
Monthly
Federal Tax Information
Single
Married Filing Jointly
Head of Household
New York State Tax Information
Single
Married Filing Jointly
Head of Household
New York City Tax Information
Deductions
Estimated Paycheck Breakdown
Gross Pay per Period:$0.00
Total Pre-tax Deductions:$0.00
Social Security Tax:$0.00
Medicare Tax:$0.00
Federal Income Tax:$0.00
NY State Income Tax:$0.00
NYC Income Tax:$0.00
Total Post-tax Deductions:$0.00
Net Pay per Period:$0.00
function calculatePaycheck() {
// Get input values
var grossAnnualSalary = parseFloat(document.getElementById("grossAnnualSalary").value);
var payFrequency = parseFloat(document.getElementById("payFrequency").value);
var federalFilingStatus = document.getElementById("federalFilingStatus").value;
var federalDependents = parseInt(document.getElementById("federalDependents").value);
var nyStateFilingStatus = document.getElementById("nyStateFilingStatus").value;
var nyStateDependents = parseInt(document.getElementById("nyStateDependents").value);
var isNycResident = document.getElementById("isNycResident").checked;
var preTax401k = parseFloat(document.getElementById("preTax401k").value);
var preTaxHealth = parseFloat(document.getElementById("preTaxHealth").value);
var otherPreTax = parseFloat(document.getElementById("otherPreTax").value);
var postTaxDeductions = parseFloat(document.getElementById("postTaxDeductions").value);
// Validate inputs
if (isNaN(grossAnnualSalary) || grossAnnualSalary < 0) grossAnnualSalary = 0;
if (isNaN(federalDependents) || federalDependents < 0) federalDependents = 0;
if (isNaN(nyStateDependents) || nyStateDependents < 0) nyStateDependents = 0;
if (isNaN(preTax401k) || preTax401k < 0) preTax401k = 0;
if (isNaN(preTaxHealth) || preTaxHealth < 0) preTaxHealth = 0;
if (isNaN(otherPreTax) || otherPreTax < 0) otherPreTax = 0;
if (isNaN(postTaxDeductions) || postTaxDeductions < 0) postTaxDeductions = 0;
// 1. Gross Pay per Period
var grossPayPerPeriod = grossAnnualSalary / payFrequency;
// 2. Pre-tax Deductions
var preTax401kAmount = grossPayPerPeriod * (preTax401k / 100);
var totalPreTaxDeductions = preTax401kAmount + preTaxHealth + otherPreTax;
// Ensure pre-tax deductions don't exceed gross pay
totalPreTaxDeductions = Math.min(totalPreTaxDeductions, grossPayPerPeriod);
// Annualized Pre-tax Deductions for annual tax calculations
var annualPreTaxDeductions = totalPreTaxDeductions * payFrequency;
// 3. Taxable Gross (Annualized for tax calculations)
var federalTaxableAnnualGross = grossAnnualSalary – annualPreTaxDeductions;
var nyStateTaxableAnnualGross = grossAnnualSalary – annualPreTaxDeductions;
var nycTaxableAnnualGross = grossAnnualSalary – annualPreTaxDeductions; // NYC tax often based on NYS AGI
// 4. FICA Taxes (Social Security & Medicare)
var socialSecurityRate = 0.062;
var medicareRate = 0.0145;
var ssLimitAnnual = 168600; // 2024 Social Security wage base limit
var annualGrossForFICA = grossAnnualSalary; // FICA is on gross, not taxable gross after pre-tax deductions
var socialSecurityTaxAnnual = Math.min(annualGrossForFICA, ssLimitAnnual) * socialSecurityRate;
var medicareTaxAnnual = annualGrossForFICA * medicareRate;
var socialSecurityTaxPerPeriod = socialSecurityTaxAnnual / payFrequency;
var medicareTaxPerPeriod = medicareTaxAnnual / payFrequency;
var totalFicaTaxPerPeriod = socialSecurityTaxPerPeriod + medicareTaxPerPeriod;
// 5. Federal Income Tax (Simplified 2024 Brackets & Standard Deductions)
var federalStandardDeduction;
if (federalFilingStatus === "Single") federalStandardDeduction = 14600;
else if (federalFilingStatus === "Married Filing Jointly") federalStandardDeduction = 29200;
else if (federalFilingStatus === "Head of Household") federalStandardDeduction = 21900;
else federalStandardDeduction = 14600; // Default to Single
// Simplified allowance reduction (each dependent reduces taxable income by a fixed amount for estimation)
var federalAllowanceReduction = federalDependents * 5000; // Arbitrary simplified allowance value
var federalTaxableIncomeAfterDeductions = Math.max(0, federalTaxableAnnualGross – federalStandardDeduction – federalAllowanceReduction);
var federalAnnualTax = calculateFederalTax(federalTaxableIncomeAfterDeductions, federalFilingStatus);
var federalIncomeTaxPerPeriod = federalAnnualTax / payFrequency;
// 6. NY State Income Tax (Simplified 2024 Brackets & Standard Deductions)
var nyStateStandardDeduction;
if (nyStateFilingStatus === "Single") nyStateStandardDeduction = 8000;
else if (nyStateFilingStatus === "Married Filing Jointly") nyStateStandardDeduction = 16050;
else if (nyStateFilingStatus === "Head of Household") nyStateStandardDeduction = 11200;
else nyStateStandardDeduction = 8000; // Default to Single
var nyStateAllowanceReduction = nyStateDependents * 1000; // Arbitrary simplified allowance value
var nyStateTaxableIncomeAfterDeductions = Math.max(0, nyStateTaxableAnnualGross – nyStateStandardDeduction – nyStateAllowanceReduction);
var nyStateAnnualTax = calculateNYStateTax(nyStateTaxableIncomeAfterDeductions, nyStateFilingStatus);
var nyStateIncomeTaxPerPeriod = nyStateAnnualTax / payFrequency;
// 7. NYC Income Tax (Simplified 2024 Brackets)
var nycIncomeTaxPerPeriod = 0;
if (isNycResident) {
// NYC tax is often based on NYS AGI, which is close to nyStateTaxableAnnualGross here
var nycAnnualTax = calculateNYCTax(nyStateTaxableAnnualGross); // Using NYS taxable gross for NYC tax base
nycIncomeTaxPerPeriod = nycAnnualTax / payFrequency;
}
// 8. Post-tax Deductions (already per period)
var totalPostTaxDeductionsPerPeriod = postTaxDeductions;
// 9. Net Pay
var netPayPerPeriod = grossPayPerPeriod – totalPreTaxDeductions – totalFicaTaxPerPeriod – federalIncomeTaxPerPeriod – nyStateIncomeTaxPerPeriod – nycIncomeTaxPerPeriod – totalPostTaxDeductionsPerPeriod;
// Display results
document.getElementById("grossPayPerPeriodResult").innerText = "$" + grossPayPerPeriod.toFixed(2);
document.getElementById("totalPreTaxDeductionsResult").innerText = "$" + totalPreTaxDeductions.toFixed(2);
document.getElementById("socialSecurityTaxResult").innerText = "$" + socialSecurityTaxPerPeriod.toFixed(2);
document.getElementById("medicareTaxResult").innerText = "$" + medicareTaxPerPeriod.toFixed(2);
document.getElementById("federalIncomeTaxResult").innerText = "$" + federalIncomeTaxPerPeriod.toFixed(2);
document.getElementById("nyStateIncomeTaxResult").innerText = "$" + nyStateIncomeTaxPerPeriod.toFixed(2);
document.getElementById("nycIncomeTaxResult").innerText = "$" + nycIncomeTaxPerPeriod.toFixed(2);
document.getElementById("totalPostTaxDeductionsResult").innerText = "$" + totalPostTaxDeductionsPerPeriod.toFixed(2);
document.getElementById("netPayPerPeriodResult").innerText = "$" + netPayPerPeriod.toFixed(2);
}
// Helper functions for simplified tax calculations (2024 estimates)
function calculateFederalTax(annualTaxableIncome, filingStatus) {
var tax = 0;
if (annualTaxableIncome <= 0) return 0;
if (filingStatus === "Single") {
if (annualTaxableIncome <= 11600) tax = annualTaxableIncome * 0.10;
else if (annualTaxableIncome <= 47150) tax = 1160 + (annualTaxableIncome – 11600) * 0.12;
else if (annualTaxableIncome <= 100525) tax = 6410 + (annualTaxableIncome – 47150) * 0.22;
else if (annualTaxableIncome <= 191950) tax = 18191.50 + (annualTaxableIncome – 100525) * 0.24;
else tax = 40391.50 + (annualTaxableIncome – 191950) * 0.32; // Simplified, up to 32%
} else if (filingStatus === "Married Filing Jointly") {
if (annualTaxableIncome <= 23200) tax = annualTaxableIncome * 0.10;
else if (annualTaxableIncome <= 94300) tax = 2320 + (annualTaxableIncome – 23200) * 0.12;
else if (annualTaxableIncome <= 201050) tax = 10852 + (annualTaxableIncome – 94300) * 0.22;
else if (annualTaxableIncome <= 383900) tax = 34567 + (annualTaxableIncome – 201050) * 0.24;
else tax = 78223 + (annualTaxableIncome – 383900) * 0.32; // Simplified, up to 32%
} else if (filingStatus === "Head of Household") {
if (annualTaxableIncome <= 16550) tax = annualTaxableIncome * 0.10;
else if (annualTaxableIncome <= 63100) tax = 1655 + (annualTaxableIncome – 16550) * 0.12;
else if (annualTaxableIncome <= 100500) tax = 7247 + (annualTaxableIncome – 63100) * 0.22;
else if (annualTaxableIncome <= 191950) tax = 15465 + (annualTaxableIncome – 100500) * 0.24;
else tax = 37665 + (annualTaxableIncome – 191950) * 0.32; // Simplified, up to 32%
}
return tax;
}
function calculateNYStateTax(annualTaxableIncome, filingStatus) {
var tax = 0;
if (annualTaxableIncome <= 0) return 0;
// Simplified 2024 NY State Tax Brackets (for estimation)
if (filingStatus === "Single" || filingStatus === "Head of Household") {
if (annualTaxableIncome <= 8500) tax = annualTaxableIncome * 0.04;
else if (annualTaxableIncome <= 11700) tax = 340 + (annualTaxableIncome – 8500) * 0.045;
else if (annualTaxableIncome <= 13900) tax = 484 + (annualTaxableIncome – 11700) * 0.0525;
else if (annualTaxableIncome <= 21400) tax = 600 + (annualTaxableIncome – 13900) * 0.0597;
else if (annualTaxableIncome <= 80650) tax = 1049 + (annualTaxableIncome – 21400) * 0.0633;
else if (annualTaxableIncome <= 215400) tax = 4880 + (annualTaxableIncome – 80650) * 0.0685;
else tax = 14100 + (annualTaxableIncome – 215400) * 0.0965; // Simplified, up to 9.65%
} else if (filingStatus === "Married Filing Jointly") {
if (annualTaxableIncome <= 17150) tax = annualTaxableIncome * 0.04;
else if (annualTaxableIncome <= 23600) tax = 686 + (annualTaxableIncome – 17150) * 0.045;
else if (annualTaxableIncome <= 27900) tax = 979 + (annualTaxableIncome – 23600) * 0.0525;
else if (annualTaxableIncome <= 43000) tax = 1204 + (annualTaxableIncome – 27900) * 0.0597;
else if (annualTaxableIncome <= 161550) tax = 2100 + (annualTaxableIncome – 43000) * 0.0633;
else if (annualTaxableIncome <= 323200) tax = 9760 + (annualTaxableIncome – 161550) * 0.0685;
else tax = 20790 + (annualTaxableIncome – 323200) * 0.0965; // Simplified, up to 9.65%
}
return tax;
}
function calculateNYCTax(annualTaxableIncome) {
var tax = 0;
if (annualTaxableIncome <= 0) return 0;
// Simplified 2024 NYC Resident Tax Brackets (for estimation)
// These are based on NYS Taxable Income
if (annualTaxableIncome <= 12000) tax = annualTaxableIncome * 0.03876;
else if (annualTaxableIncome <= 25000) tax = 465.12 + (annualTaxableIncome – 12000) * 0.03928;
else if (annualTaxableIncome <= 50000) tax = 972.56 + (annualTaxableIncome – 25000) * 0.03981;
else if (annualTaxableIncome <= 90000) tax = 1967.81 + (annualTaxableIncome – 50000) * 0.04008;
else if (annualTaxableIncome <= 200000) tax = 3571.01 + (annualTaxableIncome – 90000) * 0.0425;
else tax = 8246.01 + (annualTaxableIncome – 200000) * 0.0445; // Simplified, up to 4.45%
return tax;
}
// Run calculation on page load with default values
window.onload = calculatePaycheck;
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Understanding Your NYC Paycheck: A Comprehensive Guide
Navigating your paycheck can be complex, especially in a high-tax state and city like New York. This NYC Paycheck Calculator is designed to give you a clear estimate of your take-home pay by breaking down the various deductions that impact your gross salary.
What Affects Your NYC Paycheck?
Your gross annual salary is just the starting point. Several factors contribute to the difference between what you earn and what you actually receive:
1. Federal Taxes
Social Security Tax: This is a mandatory deduction of 6.2% of your gross wages, up to an annual wage base limit (e.g., $168,600 for 2024). These funds contribute to retirement, disability, and survivor benefits.
Medicare Tax: Another mandatory deduction, this is 1.45% of all your gross wages, with no income limit. It funds the Medicare health insurance program.
Federal Income Tax: This is a progressive tax, meaning higher earners pay a higher percentage. The amount withheld depends on your gross income, filing status (Single, Married Filing Jointly, Head of Household), and the number of dependents you claim. The IRS provides tax tables and withholding formulas to employers.
2. New York State Income Tax
New York State also imposes a progressive income tax. Like federal taxes, the amount withheld depends on your gross income, filing status, and any dependents or allowances you claim on your NYS Form IT-2104. New York's tax brackets are adjusted annually.
3. New York City Income Tax
If you are a resident of New York City, you are subject to an additional city income tax. This is also a progressive tax, calculated based on your New York State taxable income. NYC residents face some of the highest combined state and local income tax rates in the country.
4. Pre-tax Deductions
These are deductions taken from your gross pay BEFORE taxes are calculated, which can significantly lower your taxable income and, consequently, your tax liability. Common pre-tax deductions include:
401(k) Contributions: Money you contribute to a traditional 401(k) retirement plan.
Health Insurance Premiums: The cost of your employer-sponsored health, dental, or vision insurance.
Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs): Contributions to these accounts for healthcare or dependent care expenses.
Commuter Benefits: Funds set aside for public transportation or parking.
5. Post-tax Deductions
These deductions are taken from your pay AFTER all applicable taxes have been calculated. They do not reduce your taxable income. Examples include:
Roth 401(k) Contributions: Contributions to a Roth 401(k) are taxed now, but qualified withdrawals in retirement are tax-free.
Union Dues: Fees paid to a labor union.
Garnishments: Court-ordered deductions for child support, alimony, or unpaid debts.
Charitable Contributions: If deducted directly from your paycheck.
How to Use the Calculator
Gross Annual Salary: Enter your total salary before any deductions.
Pay Frequency: Select how often you get paid (e.g., Bi-Weekly for every two weeks).
Federal & NY State Filing Status/Dependents: Choose your filing status and enter the number of dependents you claim. These impact your estimated tax withholding.
NYC Resident: Check this box if you live within the five boroughs of New York City.
Deductions: Input your estimated pre-tax 401(k) contributions (as a percentage), fixed pre-tax health insurance costs, and any other pre-tax or post-tax deductions per pay period.
Click "Calculate Paycheck" to see a detailed breakdown of your estimated gross pay, various deductions, and your final net pay per period.
Why is This Important?
Understanding your NYC paycheck helps you:
Budget Effectively: Know exactly how much money you have available for expenses.
Plan for Retirement: See the impact of your 401(k) contributions.
Optimize Withholding: Adjust your W-4 (federal) and IT-2104 (NY State) forms if you find you're consistently over- or under-withholding.
Identify Discrepancies: Quickly spot any errors on your actual pay stub.
While this calculator provides a close estimate, it's important to remember that actual tax calculations can be complex and may involve additional factors not included here (e.g., specific tax credits, local taxes outside NYC, or unique employer benefits). Always refer to your official pay stubs and consult with a tax professional for personalized advice.