New York Net Pay Calculator
Estimate your take-home pay in New York after federal, state, and local taxes, as well as common deductions. This calculator uses simplified 2024 tax brackets and standard deductions for estimation purposes.
Understanding Your New York Paycheck
Calculating your net pay in New York can be complex due to various federal, state, and local taxes, along with different types of deductions. This calculator helps you estimate your take-home pay by breaking down the key components.
Gross Pay
Your gross pay is your total earnings before any deductions or taxes are withheld. This can be an annual salary or an hourly wage multiplied by the hours worked. The calculator starts with your gross annual salary and adjusts it based on your chosen pay frequency.
Pre-tax Deductions
These are amounts subtracted from your gross pay before taxes are calculated. Common pre-tax deductions include contributions to a 401(k) or 403(b) retirement plan, health insurance premiums, and Flexible Spending Account (FSA) contributions. Pre-tax deductions reduce your taxable income, meaning you pay less in federal, state, and sometimes local income taxes.
Federal Taxes
The federal government levies income tax, Social Security tax, and Medicare tax (collectively known as FICA taxes).
- Federal Income Tax: This is a progressive tax, meaning higher earners pay a larger percentage of their income. 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 calculator uses simplified 2024 federal tax brackets and standard deductions for estimation.
- Social Security Tax: This is a flat rate of 6.2% on earnings up to an annual limit ($168,600 for 2024).
- Medicare Tax: This is a flat rate of 1.45% on all earnings, with no income limit.
New York State Taxes
New York State has its own progressive income tax. The amount you pay depends on your taxable income, filing status, and any exemptions you claim for yourself and your dependents. The calculator applies simplified 2024 NY State tax brackets and standard deductions.
New York City Taxes
If you are a resident of New York City, you are also subject to NYC local income tax. This is an additional progressive tax on your income. The calculator includes simplified 2024 NYC resident tax rates if you indicate you are an NYC resident.
Post-tax Deductions
These deductions are taken out of your pay after all applicable taxes have been calculated and withheld. Examples include Roth 401(k) contributions, union dues, charitable contributions, or certain types of insurance premiums. Post-tax deductions do not reduce your taxable income.
Net Pay
Your net pay, or take-home pay, is the amount remaining after all pre-tax deductions, federal taxes, state taxes, local taxes (if applicable), and post-tax deductions have been subtracted from your gross pay. This is the money you actually receive in your paycheck.
Disclaimer: This calculator provides an estimate based on simplified tax rules and common deductions for 2024. Actual withholdings may vary based on specific tax situations, additional credits, local municipality taxes (outside NYC), and other factors. Consult a tax professional for personalized advice.
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function calculateNYWage() {
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 nyDependents = parseInt(document.getElementById('nyDependents').value);
var isNYCResident = document.getElementById('isNYCResident').value;
var preTaxDeductions = parseFloat(document.getElementById('preTaxDeductions').value);
var postTaxDeductions = parseFloat(document.getElementById('postTaxDeductions').value);
// Input validation
if (isNaN(grossAnnualSalary) || grossAnnualSalary < 0 ||
isNaN(payFrequency) || payFrequency <= 0 ||
isNaN(federalDependents) || federalDependents < 0 ||
isNaN(nyDependents) || nyDependents < 0 ||
isNaN(preTaxDeductions) || preTaxDeductions < 0 ||
isNaN(postTaxDeductions) || postTaxDeductions grossAnnualSalary) {
document.getElementById('result').innerHTML = 'Total deductions cannot exceed your gross annual salary.';
return;
}
// — Tax Constants (2024 approximations) —
// FICA
var socialSecurityRate = 0.062;
var socialSecurityLimit = 168600; // 2024 limit
var medicareRate = 0.0145;
// Federal Standard Deductions (2024)
var federalStandardDeductions = {
'single': 14600,
'married': 29200,
'hoh': 21900
};
// Federal Tax Brackets (2024)
var federalTaxBrackets = {
'single': [
{ rate: 0.10, min: 0, max: 11600 },
{ rate: 0.12, min: 11601, max: 47150 },
{ rate: 0.22, min: 47151, max: 100525 },
{ rate: 0.24, min: 100526, max: 191950 },
{ rate: 0.32, min: 191951, max: 243725 },
{ rate: 0.35, min: 243726, max: 609350 },
{ rate: 0.37, min: 609351, max: Infinity }
],
'married': [
{ rate: 0.10, min: 0, max: 23200 },
{ rate: 0.12, min: 23201, max: 94300 },
{ rate: 0.22, min: 94301, max: 201050 },
{ rate: 0.24, min: 201051, max: 383900 },
{ rate: 0.32, min: 383901, max: 487450 },
{ rate: 0.35, min: 487451, max: 731200 },
{ rate: 0.37, min: 731201, max: Infinity }
],
'hoh': [
{ rate: 0.10, min: 0, max: 16550 },
{ rate: 0.12, min: 16551, max: 63100 },
{ rate: 0.22, min: 63101, max: 100500 },
{ rate: 0.24, min: 100501, max: 191950 },
{ rate: 0.32, min: 191951, max: 243700 },
{ rate: 0.35, min: 243701, max: 609350 },
{ rate: 0.37, min: 609351, max: Infinity }
]
};
// NY State Standard Deductions (2024)
var nyStateStandardDeductions = {
'single': 8500,
'married': 17000,
'hoh': 12750
};
var nyStateExemptionPerDependent = 1000; // NY State exemption amount per dependent
// NY State Tax Brackets (2024 – Simplified for calculator, actual brackets are more granular)
// Using single filer brackets for simplicity, actual rates vary by filing status.
var nyStateTaxBrackets = {
'single': [
{ rate: 0.0400, min: 0, max: 8500 },
{ rate: 0.0450, min: 8501, max: 12800 },
{ rate: 0.0525, min: 12801, max: 17100 },
{ rate: 0.0590, min: 17101, max: 21400 },
{ rate: 0.0625, min: 21401, max: 25600 },
{ rate: 0.0650, min: 25601, max: 30000 },
{ rate: 0.0685, min: 30001, max: 40000 },
{ rate: 0.0965, min: 40001, max: 100000 },
{ rate: 0.1030, min: 100001, max: 200000 },
{ rate: 0.1090, min: 200001, max: Infinity } // Top rate for income over $200k
],
'married': [ // Simplified, often similar structure but different thresholds
{ rate: 0.0400, min: 0, max: 17000 },
{ rate: 0.0450, min: 17001, max: 25600 },
{ rate: 0.0525, min: 25601, max: 34200 },
{ rate: 0.0590, min: 34201, max: 42800 },
{ rate: 0.0625, min: 42801, max: 51200 },
{ rate: 0.0650, min: 51201, max: 60000 },
{ rate: 0.0685, min: 60001, max: 80000 },
{ rate: 0.0965, min: 80001, max: 200000 },
{ rate: 0.1030, min: 200001, max: 400000 },
{ rate: 0.1090, min: 400001, max: Infinity }
],
'hoh': [ // Simplified, often similar structure but different thresholds
{ rate: 0.0400, min: 0, max: 12750 },
{ rate: 0.0450, min: 12751, max: 19200 },
{ rate: 0.0525, min: 19201, max: 25650 },
{ rate: 0.0590, min: 25651, max: 32100 },
{ rate: 0.0625, min: 32101, max: 38400 },
{ rate: 0.0650, min: 38401, max: 45000 },
{ rate: 0.0685, min: 45001, max: 60000 },
{ rate: 0.0965, min: 60001, max: 150000 },
{ rate: 0.1030, min: 150001, max: 300000 },
{ rate: 0.1090, min: 300001, max: Infinity }
]
};
// NYC Resident Tax Brackets (2024 – Simplified for calculator)
var nycTaxBrackets = [
{ rate: 0.03876, min: 0, max: 12000 },
{ rate: 0.04171, min: 12001, max: 25000 },
{ rate: 0.04250, min: 25001, max: Infinity }
];
// — Calculation Functions —
function calculateProgressiveTax(taxableIncome, brackets) {
var totalTax = 0;
if (taxableIncome <= 0) {
return 0;
}
for (var i = 0; i bracket.min) {
var incomeInBracket = Math.min(taxableIncome, bracket.max) – bracket.min;
totalTax += incomeInBracket * bracket.rate;
}
}
return totalTax;
}
// — Annual Calculations —
var annualGrossPay = grossAnnualSalary;
var annualPreTaxDeductions = preTaxDeductions;
var annualPostTaxDeductions = postTaxDeductions;
// 1. FICA Taxes
var annualSocialSecurityTax = Math.min(annualGrossPay, socialSecurityLimit) * socialSecurityRate;
var annualMedicareTax = annualGrossPay * medicareRate;
var annualFICATax = annualSocialSecurityTax + annualMedicareTax;
// 2. Federal Income Tax
var federalStandardDeduction = federalStandardDeductions[federalFilingStatus] || federalStandardDeductions['single'];
var federalTaxableIncome = annualGrossPay – annualPreTaxDeductions – federalStandardDeduction;
federalTaxableIncome = Math.max(0, federalTaxableIncome); // Cannot be negative
var annualFederalIncomeTax = calculateProgressiveTax(federalTaxableIncome, federalTaxBrackets[federalFilingStatus]);
// 3. NY State Income Tax
var nyStateStandardDeduction = nyStateStandardDeductions[nyStateFilingStatus] || nyStateStandardDeductions['single'];
var nyStateExemptionAmount = nyDependents * nyStateExemptionPerDependent;
var nyStateTaxableIncome = annualGrossPay – annualPreTaxDeductions – nyStateStandardDeduction – nyStateExemptionAmount;
nyStateTaxableIncome = Math.max(0, nyStateTaxableIncome); // Cannot be negative
var annualNYStateIncomeTax = calculateProgressiveTax(nyStateTaxableIncome, nyStateTaxBrackets[nyStateFilingStatus]);
// 4. NYC Income Tax
var annualNYCIncomeTax = 0;
if (isNYCResident === 'yes') {
// NYC tax is generally on the same income base as NY State, after pre-tax deductions
var nycTaxableIncome = annualGrossPay – annualPreTaxDeductions;
nycTaxableIncome = Math.max(0, nycTaxableIncome);
annualNYCIncomeTax = calculateProgressiveTax(nycTaxableIncome, nycTaxBrackets);
}
// 5. Total Annual Deductions and Taxes
var totalAnnualDeductionsAndTaxes = annualPreTaxDeductions + annualFICATax + annualFederalIncomeTax + annualNYStateIncomeTax + annualNYCIncomeTax + annualPostTaxDeductions;
// 6. Annual Net Pay
var annualNetPay = annualGrossPay – totalAnnualDeductionsAndTaxes;
// — Per Pay Period Calculations —
var grossPayPerPeriod = annualGrossPay / payFrequency;
var preTaxDeductionsPerPeriod = annualPreTaxDeductions / payFrequency;
var ficaTaxPerPeriod = annualFICATax / payFrequency;
var federalIncomeTaxPerPeriod = annualFederalIncomeTax / payFrequency;
var nyStateIncomeTaxPerPeriod = annualNYStateIncomeTax / payFrequency;
var nycIncomeTaxPerPeriod = annualNYCIncomeTax / payFrequency;
var postTaxDeductionsPerPeriod = annualPostTaxDeductions / payFrequency;
var netPayPerPeriod = annualNetPay / payFrequency;
// — Display Results —
var resultDiv = document.getElementById('result');
var currencyFormatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD'
});
resultDiv.innerHTML =
'
Estimated Paycheck Breakdown
' +
'
Gross Pay Per Period: ' + currencyFormatter.format(grossPayPerPeriod) + " +
'
Annual Gross Pay: ' + currencyFormatter.format(annualGrossPay) + " +
'
' +
'
Pre-tax Deductions Per Period: ' + currencyFormatter.format(preTaxDeductionsPerPeriod) + " +
'
Annual Pre-tax Deductions: ' + currencyFormatter.format(annualPreTaxDeductions) + " +
'
' +
'
Federal Income Tax Per Period: ' + currencyFormatter.format(federalIncomeTaxPerPeriod) + " +
'
Annual Federal Income Tax: ' + currencyFormatter.format(annualFederalIncomeTax) + " +
'
Social Security Tax Per Period: ' + currencyFormatter.format(annualSocialSecurityTax / payFrequency) + " +
'
Annual Social Security Tax: ' + currencyFormatter.format(annualSocialSecurityTax) + " +
'
Medicare Tax Per Period: ' + currencyFormatter.format(annualMedicareTax / payFrequency) + " +
'
Annual Medicare Tax: ' + currencyFormatter.format(annualMedicareTax) + " +
'
' +
'
NY State Income Tax Per Period: ' + currencyFormatter.format(nyStateIncomeTaxPerPeriod) + " +
'
Annual NY State Income Tax: ' + currencyFormatter.format(annualNYStateIncomeTax) + ";
if (isNYCResident === 'yes') {
resultDiv.innerHTML +=
'
NYC Income Tax Per Period: ' + currencyFormatter.format(nycIncomeTaxPerPeriod) + " +
'
Annual NYC Income Tax: ' + currencyFormatter.format(annualNYCIncomeTax) + ";
}
resultDiv.innerHTML +=
'
' +
'
Post-tax Deductions Per Period: ' + currencyFormatter.format(postTaxDeductionsPerPeriod) + " +
'
Annual Post-tax Deductions: ' + currencyFormatter.format(annualPostTaxDeductions) + " +
'
' +
'
Net Pay Per Period: ' + currencyFormatter.format(netPayPerPeriod) + " +
'
Annual Net Pay: ' + currencyFormatter.format(annualNetPay) + ";
}
// Run calculation on page load with default values
window.onload = calculateNYWage;