Estimate New York take-home pay and employer payroll cost with federal withholding, NYS income tax, optional NYC resident tax, Yonkers resident/nonresident tax, Paid Family Leave, disability benefit deductions, UI, RSF, FUTA, and optional MCTMT.
| Tax or contribution | Who pays | 2026 rule used | Calculator treatment |
|---|---|---|---|
| Federal income tax | Employee withholding | IRS Publication 15-T automated percentage method. | Annualizes wages, applies W-4 status, Step 2, Step 3, Step 4(a), Step 4(b), and Step 4(c). Optional supplemental bonus mode uses a 22% federal flat rate. |
| New York State income tax | Employee withholding | NYS 2026 withholding tables, allowances, and high-income Method III rates. | Annualizes NY taxable wages after the NY wage allocation, subtracts the NY allowance value, applies annual tables, and divides by pay periods. |
| NYC and Yonkers local tax | Employee withholding | NYC resident withholding tables, Yonkers resident surcharge, and Yonkers nonresident earnings tax rules. | Local tax is off by default and can be turned on for NYC resident, Yonkers resident, or Yonkers nonresident wages. |
| Paid Family Leave and disability benefits | Usually employee deductions | PFL contribution rate 0.432% with $411.91 annual maximum; disability benefit contribution capped at $0.60 per week. | Uses the pay-period gross estimate and user-entered YTD PFL deductions to apply the annual PFL cap. |
| NY UI, RSF, FUTA, and MCTMT | Employer | NY UI wage base $17,600; RSF 0.075%; FUTA generally net 0.6% to $7,000; MCTMT by zone and quarterly payroll threshold. | Uses YTD wages before this check for wage-base taxes, editable UI/FUTA rates, and optional MCTMT zone logic. |
This calculator is a planning estimate, not payroll tax, legal, or accounting advice. Real payroll can differ because of local residency, remote-work allocation, wage-type exemptions, taxable fringe benefits, tax treaty rules, pre-tax deduction eligibility, supplemental wage methods, employer-specific UI rate notices, and MCTMT coverage rules.
Primary references: IRS Publication 15-T, IRS Publication 15, NYS 2026 withholding tables, NYC 2026 withholding tables, Yonkers 2026 withholding tables, NY DOL UI rates, NY UI wage base, NY Paid Family Leave 2026, NY disability benefits, and employer MCTMT guidance.
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