Use this calculator to estimate your net pay per pay period in New York, factoring in federal, state, and local (NYC) taxes, as well as common deductions. This tool provides an estimate and should not be considered official tax advice.
Weekly
Bi-Weekly
Semi-Monthly
Monthly
Federal Tax Information
Single
Married Filing Jointly
New York State Tax Information
Single
Married Filing Jointly
Local Tax Information
Deductions
Understanding Your New York Paycheck
Navigating your paycheck can be complex, especially with various federal, state, and local taxes, alongside different types of deductions. This New York Paycheck Calculator aims to demystify the process by providing an estimated breakdown of your earnings.
Gross Pay vs. Net Pay
Your Gross Pay is the total amount of money you earn before any deductions or taxes are taken out. This is often your hourly wage multiplied by hours worked, or your annual salary divided by your pay periods. Net Pay, also known as "take-home pay," is the amount you actually receive after all deductions and taxes have been subtracted from your gross pay.
Key Deductions Explained
Pre-tax Deductions: These are amounts taken from your gross pay before taxes are calculated. Common examples include contributions to a 401(k) or 403(b) retirement plan, health insurance premiums, and Flexible Spending Accounts (FSAs). Because these deductions reduce your taxable income, they can lower your overall tax liability.
Post-tax Deductions: These deductions are taken out after all taxes have been calculated and withheld. Examples include Roth 401(k) contributions, union dues, garnishments, or certain charitable contributions.
Federal Taxes
The federal government levies several taxes on your income:
Federal Income Tax (FIT): This is a progressive tax, meaning higher earners pay a higher percentage. The amount withheld depends on your gross pay, filing status (Single, Married Filing Jointly, etc.), and the number of dependents you claim on your W-4 form.
FICA Taxes (Social Security and Medicare): These are mandatory contributions to fund Social Security and Medicare programs.
Social Security: As of 2024, this is 6.2% of your gross pay, up to an annual wage base limit of $168,600.
Medicare: This is 1.45% of all your gross pay, with no wage base limit. An additional Medicare tax of 0.9% applies to wages above certain thresholds ($200,000 for single filers, $250,000 for married filing jointly).
New York State Taxes
New York State has its own income tax, which is also progressive. The amount withheld depends on your gross pay, NYS filing status, and any dependents claimed on your IT-2104 form. New York's tax brackets and standard deductions are separate from federal ones.
New York City Tax
If you are a resident of New York City, you are subject to an additional local income tax. This tax is also tiered and is calculated based on your taxable income, separate from federal and state taxes.
How the Calculator Works (Simplified)
This calculator takes your gross pay and pay frequency to determine your annual gross income. It then subtracts pre-tax deductions to arrive at your taxable income for federal, state, and local taxes (FICA taxes are generally calculated on gross pay before pre-tax deductions). It applies simplified 2024 tax brackets and standard deductions for federal, NYS, and NYC taxes, along with FICA rates. Finally, it subtracts all calculated taxes and post-tax deductions to estimate your net pay per period.
Disclaimer: This calculator provides an estimate based on simplified tax rules and current (2024) rates. Actual withholding can vary based on specific W-4/IT-2104 elections, additional income, specific deductions, and other factors. It is not intended as tax advice. Consult a tax professional for personalized guidance.
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function calculatePaycheck() {
var grossPay = parseFloat(document.getElementById('grossPay').value);
var payFrequencyMultiplier = parseFloat(document.getElementById('payFrequency').value);
var federalFilingStatus = document.getElementById('federalFilingStatus').value;
var federalDependents = parseInt(document.getElementById('federalDependents').value);
var nysFilingStatus = document.getElementById('nysFilingStatus').value;
var nysDependents = parseInt(document.getElementById('nysDependents').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);
// Input validation
if (isNaN(grossPay) || grossPay < 0 ||
isNaN(preTax401k) || preTax401k < 0 ||
isNaN(preTaxHealth) || preTaxHealth < 0 ||
isNaN(otherPreTax) || otherPreTax < 0 ||
isNaN(postTaxDeductions) || postTaxDeductions < 0 ||
isNaN(federalDependents) || federalDependents < 0 ||
isNaN(nysDependents) || nysDependents additionalMedThreshold) {
additionalMedTax = (ficaTaxableGrossAnnual – additionalMedThreshold) * additionalMedRate;
}
var totalFICAAnnual = ssTax + medTax + additionalMedTax;
// Federal Income Tax (Simplified 2024 Brackets & Standard Deductions)
var federalTaxableGrossAnnual = annualGross – annualPreTaxDeductions;
var federalStandardDeduction = (federalFilingStatus === 'single') ? 14600 : 29200;
var federalTaxableIncome = Math.max(0, federalTaxableGrossAnnual – federalStandardDeduction);
var federalTax = 0;
if (federalFilingStatus === 'single') {
if (federalTaxableIncome <= 11600) federalTax = federalTaxableIncome * 0.10;
else if (federalTaxableIncome <= 47150) federalTax = 1160 + (federalTaxableIncome – 11600) * 0.12;
else if (federalTaxableIncome <= 100525) federalTax = 5426 + (federalTaxableIncome – 47150) * 0.22;
else if (federalTaxableIncome <= 191950) federalTax = 17167.50 + (federalTaxableIncome – 100525) * 0.24;
else if (federalTaxableIncome <= 243725) federalTax = 39115.50 + (federalTaxableIncome – 191950) * 0.32;
else if (federalTaxableIncome <= 609350) federalTax = 55678.50 + (federalTaxableIncome – 243725) * 0.35;
else federalTax = 183647.25 + (federalTaxableIncome – 609350) * 0.37;
} else { // Married Filing Jointly
if (federalTaxableIncome <= 23200) federalTax = federalTaxableIncome * 0.10;
else if (federalTaxableIncome <= 94300) federalTax = 2320 + (federalTaxableIncome – 23200) * 0.12;
else if (federalTaxableIncome <= 201050) federalTax = 10852 + (federalTaxableIncome – 94300) * 0.22;
else if (federalTaxableIncome <= 383900) federalTax = 34337 + (federalTaxableIncome – 201050) * 0.24;
else if (federalTaxableIncome <= 487450) federalTax = 78221 + (federalTaxableIncome – 383900) * 0.32;
else if (federalTaxableIncome <= 731200) federalTax = 111357 + (federalTaxableIncome – 487450) * 0.35;
else federalTax = 195852 + (federalTaxableIncome – 731200) * 0.37;
}
// Apply simplified federal dependent tax credit (e.g., Child Tax Credit)
// This is a simplification; actual credits have income phase-outs and eligibility rules.
var federalDependentCredit = federalDependents * 2000; // Example credit amount
federalTax = Math.max(0, federalTax – federalDependentCredit);
// New York State Income Tax (Simplified 2024 Brackets & Standard Deductions)
var nysTaxableGrossAnnual = annualGross – annualPreTaxDeductions;
var nysStandardDeduction = (nysFilingStatus === 'single') ? 8500 : 17000;
var nysDependentExemption = nysDependents * 1000; // NYS dependent exemption reduces taxable income
var nysTaxableIncome = Math.max(0, nysTaxableGrossAnnual – nysStandardDeduction – nysDependentExemption);
var nysTax = 0;
if (nysFilingStatus === 'single') {
if (nysTaxableIncome <= 8500) nysTax = nysTaxableIncome * 0.04;
else if (nysTaxableIncome <= 11700) nysTax = 340 + (nysTaxableIncome – 8500) * 0.045;
else if (nysTaxableIncome <= 13900) nysTax = 484 + (nysTaxableIncome – 11700) * 0.0525;
else if (nysTaxableIncome <= 21300) nysTax = 599.50 + (nysTaxableIncome – 13900) * 0.059;
else if (nysTaxableIncome <= 80650) nysTax = 1038.10 + (nysTaxableIncome – 21300) * 0.0685;
else if (nysTaxableIncome <= 215400) nysTax = 5190.38 + (nysTaxableIncome – 80650) * 0.0625; // Simplified higher bracket
else nysTax = 13684.75 + (nysTaxableIncome – 215400) * 0.0685; // Simplified highest bracket
} else { // Married Filing Jointly
if (nysTaxableIncome <= 17000) nysTax = nysTaxableIncome * 0.04;
else if (nysTaxableIncome <= 23400) nysTax = 680 + (nysTaxableIncome – 17000) * 0.045;
else if (nysTaxableIncome <= 27800) nysTax = 968 + (nysTaxableIncome – 23400) * 0.0525;
else if (nysTaxableIncome <= 42600) nysTax = 1199 + (nysTaxableIncome – 27800) * 0.059;
else if (nysTaxableIncome <= 161300) nysTax = 2076.20 + (nysTaxableIncome – 42600) * 0.0685;
else if (nysTaxableIncome <= 323200) nysTax = 10380.75 + (nysTaxableIncome – 161300) * 0.0625; // Simplified higher bracket
else nysTax = 20400.38 + (nysTaxableIncome – 323200) * 0.0685; // Simplified highest bracket
}
nysTax = Math.max(0, nysTax);
// New York City Tax (Simplified 2024 Resident Rates)
var nycTax = 0;
if (isNYCResident) {
var nycTaxableIncome = annualGross – annualPreTaxDeductions; // NYC tax generally uses federal AGI as a base, simplified here
if (nycTaxableIncome <= 12000) nycTax = 0; // Simplified, actual tax starts earlier but very low rates
else if (nycTaxableIncome <= 25000) nycTax = (nycTaxableIncome – 12000) * 0.03876;
else if (nycTaxableIncome <= 40000) nycTax = 503.88 + (nycTaxableIncome – 25000) * 0.04171;
else if (nycTaxableIncome <= 60000) nycTax = 1129.53 + (nycTaxableIncome – 40000) * 0.0425;
else nycTax = 1979.53 + (nycTaxableIncome – 60000) * 0.045; // Simplified highest bracket
}
nycTax = Math.max(0, nycTax);
// Total Annual Taxes
var totalAnnualTaxes = totalFICAAnnual + federalTax + nysTax + nycTax;
// Convert Annual Figures to Per Pay Period
var ficaPerPeriod = totalFICAAnnual / payFrequencyMultiplier;
var federalTaxPerPeriod = federalTax / payFrequencyMultiplier;
var nysTaxPerPeriod = nysTax / payFrequencyMultiplier;
var nycTaxPerPeriod = nycTax / payFrequencyMultiplier;
var totalTaxesPerPeriod = totalAnnualTaxes / payFrequencyMultiplier;
// Calculate Net Pay Per Period
var netPay = grossPay – totalPreTaxDeductionsPerPeriod – totalTaxesPerPeriod – postTaxDeductions;
// Display Results
var resultDiv = document.getElementById('result');
resultDiv.innerHTML = `
Estimated Paycheck Breakdown
Gross Pay: $${grossPay.toFixed(2)}
Pre-tax Deductions: $${totalPreTaxDeductionsPerPeriod.toFixed(2)}
Taxable Gross (Federal/NYS/NYC): $${(grossPay – totalPreTaxDeductionsPerPeriod).toFixed(2)}
Federal Income Tax: $${federalTaxPerPeriod.toFixed(2)}
Social Security Tax: $${(ssTax / payFrequencyMultiplier).toFixed(2)}
Medicare Tax: $${((medTax + additionalMedTax) / payFrequencyMultiplier).toFixed(2)}
New York State Tax: $${nysTaxPerPeriod.toFixed(2)}
New York City Tax: $${nycTaxPerPeriod.toFixed(2)}
Total Taxes: $${totalTaxesPerPeriod.toFixed(2)}
Post-tax Deductions: $${postTaxDeductions.toFixed(2)}
Net Pay:$${netPay.toFixed(2)}This is an estimate based on simplified 2024 tax rates and rules. Actual paycheck amounts may vary.
`;
}