New York Paycheck Calculator

No. The NYC local income tax applies only to NYC residents — people who live within the five boroughs. If you commute from New Jersey or Connecticut, you pay New York state income tax on NYC-sourced wages, but not the NYC local tax. You may also owe taxes to your home state with a credit for taxes paid to New York.

The New York standard deduction for 2024 is $8,000 for single filers and $16,050 for married filing jointly. These are applied before calculating state taxable income. New York's standard deduction is separate from and lower than the federal standard deduction.

New York has a strict "convenience of the employer" rule: if you work remotely for a New York-based employer for your own convenience (not because your employer requires it), New York can tax those wages. This is a major issue for workers who moved out of NYC during or after the pandemic but kept a New York employer.

FICA (Federal Insurance Contributions Act) funds Social Security and Medicare. Employees pay 6.2% of wages toward Social Security (up to the $176,100 wage base in 2026) and 1.45% toward Medicare with no cap. These deductions apply in every state — they are federal, not state, taxes.

Gross pay is your salary or hourly wages before any deductions. Net pay (take-home pay) is what you actually receive after federal income tax, FICA, state income tax, and any voluntary deductions like health insurance or 401(k) contributions are withheld. This calculator shows both.