New York City Paycheck Calculator
Estimate your net pay in New York City after federal, state, city, and FICA taxes.
Understanding Your NYC Paycheck
Navigating your paycheck in New York City can be complex due to multiple layers of taxation. This calculator helps you estimate your take-home pay by accounting for federal, New York State, New York City, and FICA (Social Security and Medicare) taxes.
How Your Paycheck is Calculated
Your gross annual salary is the total amount you earn before any deductions. From this, several taxes and deductions are subtracted to arrive at your net pay (what you actually take home).
- Pre-tax Deductions: These are amounts taken out of your gross pay before taxes are calculated. Common examples include contributions to a 401(k) retirement plan, health insurance premiums, or Flexible Spending Accounts (FSAs). These deductions reduce your taxable income for federal, state, and city taxes, but generally not for FICA.
- Federal Income Tax: This is a progressive tax levied by the U.S. government. The amount you pay depends on your gross income, filing status (Single, Married Filing Jointly, Head of Household), and standard deductions. This calculator uses the standard deduction for your chosen filing status.
- New York State Income Tax: Similar to federal tax, New York State imposes its own progressive income tax. The rates and brackets vary based on your income and filing status.
- 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, with rates applied to your taxable income.
- FICA Taxes (Social Security & Medicare): These are federal taxes that fund Social Security and Medicare programs.
- Social Security: As of 2023, the rate is 6.2% on earnings up to an annual limit of $160,200.
- Medicare: The rate is 1.45% on all earnings, with no income limit.
Using the Calculator
Simply enter your gross annual salary, select your pay frequency, filing statuses, indicate if you're an NYC resident, and input any annual pre-tax deductions. The calculator will then provide an estimate of your gross pay, various tax deductions, and your net pay for each pay period and annually.
Important Considerations
This calculator provides an estimate based on standard deductions and common tax rates for the 2023 tax year. It does not account for all possible tax credits, itemized deductions, additional Medicare tax, local taxes outside of NYC, or other specific payroll deductions (like post-tax deductions, union dues, etc.). For a precise calculation, consult a tax professional or your payroll department.
Example Calculation:
Let's consider an individual earning $75,000 annually, paid bi-weekly, filing as Single for both federal and state, residing in NYC, with $5,000 in annual pre-tax deductions.
- Gross Annual Salary: $75,000
- Pay Frequency: Bi-Weekly (26 pay periods)
- Federal Filing Status: Single
- NY State Filing Status: Single
- NYC Resident: Yes
- Annual Pre-tax Deductions: $5,000
Based on these inputs, the calculator would determine the taxable income for each tax type, apply the relevant brackets and rates, and then sum up all deductions to show the net pay per period and annually. For this example, the estimated bi-weekly net pay would be approximately $1,939.29.
/* Basic Styling for the Calculator */
.calculator-container {
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
max-width: 800px;
margin: 20px auto;
padding: 25px;
border: 1px solid #e0e0e0;
border-radius: 8px;
background-color: #ffffff;
box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
}
.calculator-container h2, .calculator-container h3, .calculator-container h4 {
color: #333;
text-align: center;
margin-bottom: 20px;
}
.calculator-form .form-group {
margin-bottom: 15px;
display: flex;
flex-direction: column;
}
.calculator-form label {
margin-bottom: 5px;
font-weight: bold;
color: #555;
}
.calculator-form input[type="number"],
.calculator-form select {
padding: 10px;
border: 1px solid #ccc;
border-radius: 5px;
font-size: 16px;
width: 100%;
box-sizing: border-box;
}
.calculator-form button {
background-color: #007bff;
color: white;
padding: 12px 20px;
border: none;
border-radius: 5px;
font-size: 18px;
cursor: pointer;
transition: background-color 0.3s ease;
width: 100%;
margin-top: 20px;
}
.calculator-form button:hover {
background-color: #0056b3;
}
.calculator-result {
margin-top: 25px;
padding: 20px;
border: 1px solid #d4edda;
background-color: #dff0d8;
border-radius: 8px;
color: #155724;
font-size: 1.1em;
line-height: 1.6;
}
.calculator-result p {
margin: 5px 0;
}
.calculator-result strong {
color: #0a3622;
}
.calculator-article {
margin-top: 30px;
padding-top: 20px;
border-top: 1px solid #eee;
color: #444;
line-height: 1.6;
}
.calculator-article h3, .calculator-article h4 {
color: #333;
margin-top: 25px;
margin-bottom: 15px;
}
.calculator-article ul {
list-style-type: disc;
margin-left: 20px;
margin-bottom: 15px;
}
.calculator-article ul li {
margin-bottom: 8px;
}
function calculatePay() {
// Tax Brackets and Standard Deductions (2023 Data)
var federalBrackets = {
"single": [
{ limit: 11000, rate: 0.10 }, { limit: 44725, rate: 0.12 }, { limit: 95375, rate: 0.22 },
{ limit: 182100, rate: 0.24 }, { limit: 231250, rate: 0.32 }, { limit: 578125, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
],
"married_jointly": [
{ limit: 22000, rate: 0.10 }, { limit: 89450, rate: 0.12 }, { limit: 190750, rate: 0.22 },
{ limit: 364200, rate: 0.24 }, { limit: 462500, rate: 0.32 }, { limit: 693750, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
],
"head_of_household": [
{ limit: 15700, rate: 0.10 }, { limit: 59850, rate: 0.12 }, { limit: 95350, rate: 0.22 },
{ limit: 182100, rate: 0.24 }, { limit: 231250, rate: 0.32 }, { limit: 578100, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
]
};
var federalStandardDeductions = {
"single": 13850,
"married_jointly": 27700,
"head_of_household": 20800
};
var nyStateBrackets = {
"single": [
{ limit: 8500, rate: 0.04 }, { limit: 11900, rate: 0.045 }, { limit: 13900, rate: 0.0525 },
{ limit: 21300, rate: 0.059 }, { limit: 80650, rate: 0.0685 }, { limit: 215400, rate: 0.0965 },
{ limit: 1077550, rate: 0.1030 }, { limit: Infinity, rate: 0.1090 }
],
"married_jointly": [
{ limit: 17000, rate: 0.04 }, { limit: 23900, rate: 0.045 }, { limit: 27900, rate: 0.0525 },
{ limit: 42700, rate: 0.059 }, { limit: 161550, rate: 0.0685 }, { limit: 323200, rate: 0.0965 },
{ limit: 2155350, rate: 0.1030 }, { limit: Infinity, rate: 0.1090 }
],
"head_of_household": [
{ limit: 12800, rate: 0.04 }, { limit: 17900, rate: 0.045 }, { limit: 20900, rate: 0.0525 },
{ limit: 32000, rate: 0.059 }, { limit: 121000, rate: 0.0685 }, { limit: 323200, rate: 0.0965 },
{ limit: 1616300, rate: 0.1030 }, { limit: Infinity, rate: 0.1090 }
]
};
var nyStateStandardDeductions = {
"single": 8500,
"married_jointly": 17000,
"head_of_household": 8500
};
var nycBrackets = [
{ limit: 12000, rate: 0.00 }, // Effective zero-rate bracket / standard deduction equivalent
{ limit: 25000, rate: 0.03876 },
{ limit: 50000, rate: 0.04171 },
{ limit: 90000, rate: 0.04228 },
{ limit: Infinity, rate: 0.04271 }
];
// Helper function to calculate tax based on brackets
function calculateTaxFromBrackets(taxableIncome, brackets) {
var tax = 0;
var prevLimit = 0;
for (var i = 0; i prevLimit) {
var incomeInThisBracket = Math.min(taxableIncome, currentBracketLimit) – prevLimit;
tax += incomeInThisBracket * currentBracketRate;
}
prevLimit = currentBracketLimit;
if (taxableIncome <= currentBracketLimit) {
break;
}
}
return tax;
}
// Get input values
var grossAnnualSalary = parseFloat(document.getElementById("grossAnnualSalary").value);
var payFrequency = parseFloat(document.getElementById("payFrequency").value);
var federalFilingStatus = document.getElementById("federalFilingStatus").value;
var nyStateFilingStatus = document.getElementById("nyStateFilingStatus").value;
var nycResident = document.getElementById("nycResident").value;
var preTaxDeductions = parseFloat(document.getElementById("preTaxDeductions").value);
// Validate inputs
if (isNaN(grossAnnualSalary) || grossAnnualSalary < 0) {
document.getElementById("result").innerHTML = "Please enter a valid Gross Annual Salary.";
return;
}
if (isNaN(preTaxDeductions) || preTaxDeductions < 0) {
document.getElementById("result").innerHTML = "Please enter valid Annual Pre-tax Deductions.";
return;
}
// Annual Calculations
var annualGrossPay = grossAnnualSalary;
var annualPreTaxDeductions = preTaxDeductions;
// FICA Taxes
var socialSecurityLimit = 160200; // 2023 limit
var socialSecurityRate = 0.062;
var medicareRate = 0.0145;
var annualSocialSecurityTax = Math.min(annualGrossPay, socialSecurityLimit) * socialSecurityRate;
var annualMedicareTax = annualGrossPay * medicareRate;
var annualFicaTax = annualSocialSecurityTax + annualMedicareTax;
// Federal Income Tax
var federalTaxableIncome = Math.max(0, annualGrossPay – annualPreTaxDeductions – federalStandardDeductions[federalFilingStatus]);
var annualFederalTax = calculateTaxFromBrackets(federalTaxableIncome, federalBrackets[federalFilingStatus]);
// NY State Income Tax
var nyStateTaxableIncome = Math.max(0, annualGrossPay – annualPreTaxDeductions – nyStateStandardDeductions[nyStateFilingStatus]);
var annualNyStateTax = calculateTaxFromBrackets(nyStateTaxableIncome, nyStateBrackets[nyStateFilingStatus]);
// NYC Income Tax
var annualNycTax = 0;
if (nycResident === "yes") {
// NYC tax is applied to income after pre-tax deductions, similar to state/federal taxable income base
var nycTaxableIncome = Math.max(0, annualGrossPay – annualPreTaxDeductions);
annualNycTax = calculateTaxFromBrackets(nycTaxableIncome, nycBrackets);
}
// Total Annual Taxes
var totalAnnualTaxes = annualFederalTax + annualNyStateTax + annualNycTax + annualFicaTax;
// Annual Net Pay
var annualNetPay = annualGrossPay – annualPreTaxDeductions – totalAnnualTaxes;
// Periodic Calculations
var periodicGrossPay = annualGrossPay / payFrequency;
var periodicPreTaxDeductions = annualPreTaxDeductions / payFrequency;
var periodicFederalTax = annualFederalTax / payFrequency;
var periodicNyStateTax = annualNyStateTax / payFrequency;
var periodicNycTax = annualNycTax / payFrequency;
var periodicSocialSecurityTax = annualSocialSecurityTax / payFrequency;
var periodicMedicareTax = annualMedicareTax / payFrequency;
var totalPeriodicTaxes = totalAnnualTaxes / payFrequency;
var periodicNetPay = annualNetPay / payFrequency;
// Display Results
var resultDiv = document.getElementById("result");
var payFrequencyText = document.getElementById("payFrequency").options[document.getElementById("payFrequency").selectedIndex].text;
resultDiv.innerHTML =
"
Estimated Paycheck Details (" + payFrequencyText + ")
" +
"
Gross Pay: $" + periodicGrossPay.toFixed(2) + "" +
"
Pre-tax Deductions: $" + periodicPreTaxDeductions.toFixed(2) + "" +
"
Federal Income Tax: $" + periodicFederalTax.toFixed(2) + "" +
"
NY State Income Tax: $" + periodicNyStateTax.toFixed(2) + "" +
"
NYC Income Tax: $" + periodicNycTax.toFixed(2) + "" +
"
Social Security Tax: $" + periodicSocialSecurityTax.toFixed(2) + "" +
"
Medicare Tax: $" + periodicMedicareTax.toFixed(2) + "" +
"
Total Taxes & Deductions: $" + (periodicPreTaxDeductions + totalPeriodicTaxes).toFixed(2) + "" +
"
Net Pay: $" + periodicNetPay.toFixed(2) + "" +
"
Annual Summary
" +
"
Annual Gross Pay: $" + annualGrossPay.toFixed(2) + "" +
"
Annual Pre-tax Deductions: $" + annualPreTaxDeductions.toFixed(2) + "" +
"
Total Annual Taxes: $" + totalAnnualTaxes.toFixed(2) + "" +
"
Annual Net Pay: $" + annualNetPay.toFixed(2) + "";
}