New York Take-Home Pay Calculator
Gross Annual Salary:
Pay Frequency:
Weekly
Bi-Weekly
Semi-Monthly
Monthly
Federal Filing Status:
Single
Married Filing Jointly
Head of Household
Federal Withholding Allowances:
NY State Filing Status:
Single
Married Filing Jointly
Head of Household
NY State Withholding Allowances:
Live in New York City?
Annual Pre-Tax Deductions (e.g., 401k, Health Insurance):
Annual Post-Tax Deductions (e.g., Roth 401k, Union Dues):
Calculate Take-Home Pay
Understanding Your New York Take-Home Pay
Calculating your take-home pay in New York can be complex due to various federal, state, and local taxes, as well as pre-tax and post-tax deductions. This calculator helps you estimate your net pay per pay period, giving you a clearer picture of your actual earnings.
Key Components of Your Paycheck:
Gross Annual Salary: This is your total earnings before any deductions.Pay Frequency: How often you get paid (e.g., weekly, bi-weekly, monthly). This determines your gross pay per period.Pre-Tax Deductions: These are amounts deducted from your gross pay before taxes are calculated. Common examples include contributions to a 401(k) or health insurance premiums. These deductions reduce your taxable income, potentially lowering your tax liability.Federal Income Tax: This is withheld based on your gross taxable income, filing status, and the number of allowances claimed on your W-4 form. The U.S. operates on a progressive tax system, meaning higher earners pay a larger percentage of their income in taxes.FICA Taxes (Social Security & Medicare):
Social Security: A 6.2% tax on your earnings up to an annual limit ($168,600 for 2024). This funds retirement, disability, and survivor benefits.Medicare: A 1.45% tax on all your earnings, with no income limit. This funds hospital insurance for the elderly and disabled.
New York State Income Tax: New York has its own progressive income tax system, with rates varying based on your income and filing status. Allowances claimed on your NYS Form IT-2104 affect your state withholding.New York City Income Tax: If you live in one of the five boroughs of New York City, you are subject to an additional local income tax. This is also a progressive tax based on your income and filing status.Post-Tax Deductions: These are amounts deducted from your pay after all taxes have been calculated. Examples include Roth 401(k) contributions, union dues, or garnishments.
How the Calculator Works:
Our calculator takes your gross annual salary and pay frequency to determine your gross pay per period. It then subtracts your pre-tax deductions to arrive at your taxable income. Using current federal, New York State, and New York City (if applicable) tax brackets and FICA rates, it estimates your tax liabilities. Finally, it subtracts all taxes and post-tax deductions to provide your estimated net take-home pay per period.
Disclaimer: This calculator provides an estimate for informational purposes only. Actual take-home pay may vary based on specific tax situations, additional deductions, and changes in tax laws. Consult with a financial professional for personalized advice.
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function calculateTakeHomePayNY() {
var grossAnnualSalary = parseFloat(document.getElementById('grossAnnualSalary').value);
var payFrequency = parseInt(document.getElementById('payFrequency').value);
var federalFilingStatus = document.getElementById('federalFilingStatus').value;
var federalAllowances = parseInt(document.getElementById('federalAllowances').value);
var nyFilingStatus = document.getElementById('nyFilingStatus').value;
var nyAllowances = parseInt(document.getElementById('nyAllowances').value);
var liveInNYC = document.getElementById('liveInNYC').checked;
var preTaxDeductions = parseFloat(document.getElementById('preTaxDeductions').value);
var postTaxDeductions = parseFloat(document.getElementById('postTaxDeductions').value);
// Validate inputs
if (isNaN(grossAnnualSalary) || grossAnnualSalary < 0 ||
isNaN(federalAllowances) || federalAllowances < 0 ||
isNaN(nyAllowances) || nyAllowances < 0 ||
isNaN(preTaxDeductions) || preTaxDeductions < 0 ||
isNaN(postTaxDeductions) || postTaxDeductions < 0) {
document.getElementById('result').innerHTML = 'Please enter valid positive numbers for all fields.';
return;
}
var annualGrossPay = grossAnnualSalary;
var grossPayPerPeriod = annualGrossPay / payFrequency;
var preTaxDeductionsPerPeriod = preTaxDeductions / payFrequency;
var postTaxDeductionsPerPeriod = postTaxDeductions / payFrequency;
var taxableGrossFederalAnnual = annualGrossPay – preTaxDeductions;
var taxableGrossNYAnnual = annualGrossPay – preTaxDeductions; // NY also allows pre-tax deductions
// — Federal Tax Calculation —
var federalAllowanceValue = 4700; // Simplified allowance value for approximation
var federalTaxableIncomeAnnual = Math.max(0, taxableGrossFederalAnnual – (federalAllowances * federalAllowanceValue));
var federalTaxAnnual = 0;
var federalBrackets = {
'single': [
{ limit: 11600, rate: 0.10 },
{ limit: 47150, rate: 0.12 },
{ limit: 100525, rate: 0.22 },
{ limit: 191950, rate: 0.24 },
{ limit: 243725, rate: 0.32 },
{ limit: 609350, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
],
'married': [
{ limit: 23200, rate: 0.10 },
{ limit: 94300, rate: 0.12 },
{ limit: 201050, rate: 0.22 },
{ limit: 383900, rate: 0.24 },
{ limit: 487450, rate: 0.32 },
{ limit: 731200, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
],
'hoh': [
{ limit: 16550, rate: 0.10 },
{ limit: 63100, rate: 0.12 },
{ limit: 100500, rate: 0.22 },
{ limit: 191950, rate: 0.24 },
{ limit: 243700, rate: 0.32 },
{ limit: 609350, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
]
};
var incomeRemaining = federalTaxableIncomeAnnual;
var prevLimit = 0;
for (var i = 0; i 0) {
federalTaxAnnual += taxableInBracket * bracket.rate;
}
incomeRemaining -= taxableInBracket;
prevLimit = bracket.limit;
if (incomeRemaining <= 0) break;
}
var federalTaxPerPeriod = federalTaxAnnual / payFrequency;
// — FICA Taxes —
var socialSecurityLimit = 168600; // 2024 limit
var socialSecurityRate = 0.062;
var medicareRate = 0.0145;
var socialSecurityTaxAnnual = Math.min(taxableGrossFederalAnnual, socialSecurityLimit) * socialSecurityRate;
var medicareTaxAnnual = taxableGrossFederalAnnual * medicareRate;
var socialSecurityTaxPerPeriod = socialSecurityTaxAnnual / payFrequency;
var medicareTaxPerPeriod = medicareTaxAnnual / payFrequency;
// — NY State Tax Calculation —
var nyAllowanceValue = 1000;
var nyTaxableIncomeAnnual = Math.max(0, taxableGrossNYAnnual – (nyAllowances * nyAllowanceValue));
var nyStateTaxAnnual = 0;
var nyBrackets = {
'single': [
{ limit: 8500, rate: 0.0400 },
{ limit: 11900, rate: 0.0450 },
{ limit: 13900, rate: 0.0525 },
{ limit: 21300, rate: 0.0590 },
{ limit: 80650, rate: 0.0685 },
{ limit: 215400, rate: 0.0962 },
{ limit: 1077550, rate: 0.1030 },
{ limit: Infinity, rate: 0.1090 }
],
'married': [
{ limit: 17150, rate: 0.0400 },
{ limit: 23900, rate: 0.0450 },
{ limit: 27900, rate: 0.0525 },
{ limit: 42700, rate: 0.0590 },
{ limit: 161550, rate: 0.0685 },
{ limit: 323200, rate: 0.0962 },
{ limit: 2155350, rate: 0.1030 },
{ limit: Infinity, rate: 0.1090 }
],
'hoh': [
{ limit: 12850, rate: 0.0400 },
{ limit: 17950, rate: 0.0450 },
{ limit: 20900, rate: 0.0525 },
{ limit: 32050, rate: 0.0590 },
{ limit: 121150, rate: 0.0685 },
{ limit: 323200, rate: 0.0962 },
{ limit: 1616500, rate: 0.1030 },
{ limit: Infinity, rate: 0.1090 }
]
};
incomeRemaining = nyTaxableIncomeAnnual;
prevLimit = 0;
for (var j = 0; j 0) {
nyStateTaxAnnual += taxableInBracket * bracket.rate;
}
incomeRemaining -= taxableInBracket;
prevLimit = bracket.limit;
if (incomeRemaining <= 0) break;
}
var nyStateTaxPerPeriod = nyStateTaxAnnual / payFrequency;
// — NYC Tax Calculation (if applicable) —
var nycTaxAnnual = 0;
var nycTaxPerPeriod = 0;
if (liveInNYC) {
var nycBrackets = {
'single': [
{ limit: 12000, rate: 0.0323 },
{ limit: 25000, rate: 0.0387 },
{ limit: 40000, rate: 0.0417 },
{ limit: 60000, rate: 0.0425 },
{ limit: 100000, rate: 0.0450 },
{ limit: 500000, rate: 0.0640 },
{ limit: Infinity, rate: 0.0680 }
],
'married': [
{ limit: 21600, rate: 0.0323 },
{ limit: 45000, rate: 0.0387 },
{ limit: 72000, rate: 0.0417 },
{ limit: 108000, rate: 0.0425 },
{ limit: 180000, rate: 0.0450 },
{ limit: 900000, rate: 0.0640 },
{ limit: Infinity, rate: 0.0680 }
],
'hoh': [
{ limit: 16800, rate: 0.0323 },
{ limit: 35000, rate: 0.0387 },
{ limit: 56000, rate: 0.0417 },
{ limit: 84000, rate: 0.0425 },
{ limit: 140000, rate: 0.0450 },
{ limit: 700000, rate: 0.0640 },
{ limit: Infinity, rate: 0.0680 }
]
};
incomeRemaining = taxableGrossNYAnnual; // NYC tax is also based on NY taxable income
prevLimit = 0;
for (var k = 0; k 0) {
nycTaxAnnual += taxableInBracket * bracket.rate;
}
incomeRemaining -= taxableInBracket;
prevLimit = bracket.limit;
if (incomeRemaining <= 0) break;
}
nycTaxPerPeriod = nycTaxAnnual / payFrequency;
}
// — Total Deductions and Net Pay —
var totalTaxDeductionsPerPeriod = federalTaxPerPeriod + socialSecurityTaxPerPeriod + medicareTaxPerPeriod + nyStateTaxPerPeriod + nycTaxPerPeriod;
var netPayPerPeriod = grossPayPerPeriod – preTaxDeductionsPerPeriod – totalTaxDeductionsPerPeriod – postTaxDeductionsPerPeriod;
var annualNetPay = netPayPerPeriod * payFrequency;
// Display Results
var resultDiv = document.getElementById('result');
resultDiv.innerHTML = '
Your Estimated Take-Home Pay ';
resultDiv.innerHTML += '
Gross Pay per Period: $' + grossPayPerPeriod.toFixed(2) + ' ';
resultDiv.innerHTML += '
Pre-Tax Deductions per Period: $' + preTaxDeductionsPerPeriod.toFixed(2) + ' ';
resultDiv.innerHTML += '
Federal Income Tax per Period: $' + federalTaxPerPeriod.toFixed(2) + ' ';
resultDiv.innerHTML += '
Social Security Tax per Period: $' + socialSecurityTaxPerPeriod.toFixed(2) + ' ';
resultDiv.innerHTML += '
Medicare Tax per Period: $' + medicareTaxPerPeriod.toFixed(2) + ' ';
resultDiv.innerHTML += '
NY State Income Tax per Period: $' + nyStateTaxPerPeriod.toFixed(2) + ' ';
if (liveInNYC) {
resultDiv.innerHTML += '
NYC Income Tax per Period: $' + nycTaxPerPeriod.toFixed(2) + ' ';
}
resultDiv.innerHTML += '
Post-Tax Deductions per Period: $' + postTaxDeductionsPerPeriod.toFixed(2) + ' ';
resultDiv.innerHTML += '
Net Pay per Period: $' + netPayPerPeriod.toFixed(2) + ' ';
resultDiv.innerHTML += '
Estimated Annual Net Pay: $' + annualNetPay.toFixed(2) + ' ';
}
// Run calculation on page load with default values
window.onload = calculateTakeHomePayNY;