New York Salary After Tax Calculator

The definitive tool for estimated take-home pay in the Empire State. Navigate New York's progressive tax brackets and understand your actual monthly liquidity for 2025.

Safety Disclaimer: This tool provides an estimate only. New York has a complex tax system, including local city taxes (like NYC or Yonkers) that are not modeled in this state-level tool. Always consult with a certified tax professional for actual planning.

Net Pay (Annually)$73,217
Federal Tax-$13,614.00
State Tax (NY)-$5,518.85
Social Security-$6,200.00
Medicare-$1,450.00
Monthly Take-Home$6,101
Bi-Weekly Paycheck$2,816

Understanding New York's Progressive Tax

New York State utilizes one of the most comprehensive progressive income tax systems in the United States. For 2025, rates range from 4.0% for the lowest earners up to 10.9% for those in the highest brackets (over $25 million).

Navigating this "waterfall" is essential for anyone living or working in the state. Because the brackets are narrow at the lower end, even modest salaries quickly move through the initial 4% and 4.5% tiers into the 5.85% and 6.25% ranges common for professional-level income.

Federal and State Layers

Your New York paycheck is a multi-layered deduction process:

  • Federal Income Tax: The standard IRS progressive brackets (10% - 37%).
  • FICA: Combined Social Security and Medicare (7.65%).
  • NY State Tax: Progressive rates starting at 4.0%.
  • Local Taxes: If you live or work in New York City or Yonkers, you are subject to an additional municipal income tax, which is typically withheld by your employer.

FAQ: New York Payroll

Does this include NYC local tax?
This state-level tool focuses on New York State income tax. NYC residents should expect an additional 3.0% to 3.8% deduction for city tax.
Is the NY standard deduction different from Federal?
Yes. New York State has its own standard deduction ($8,000 for single filers in 2025), which is separate and lower than the Federal deduction.