With the values below, $393.60 is withheld across 4 lines, leaving $2,006.40.
One check, two groups of lines. Type the gross pay on this check and your year-to-date wages, and the calculator works out the three federal FICA lines from published federal figures. Then type the New York and local amounts exactly as they appear on your own pay stub — New York State, New York City, Yonkers and the metropolitan commuter transportation mobility tax are the four layers the New York State Department of Taxation and Finance lists on its tax rates and tables page. This page does not decide which of those layers applies to you, quotes no 2026 state, city or local tax rate, and applies no rate you have not typed yourself.
Social Security uses 6.2% on wages up to the $184,500.00 wage base, so none of this check is above the base. Additional Medicare uses 0.9% on wages above $200,000.00 in a calendar year, and none of this check is above that threshold.
Gross pay on this check is $2,400.00 and total withheld is $393.60, so take-home pay is $2,006.40. The three federal FICA lines come from published federal figures; the four New York lines are the amounts you typed. No 2026 state, city or local rate is quoted or applied here.
All three examples use the same gross pay of $2,400.00 and the same year-to-date wages of $48,000.00, so the three federal FICA lines are identical in every example: Social Security $148.80, Medicare $34.80 and Additional Medicare $0.00, or $183.60 together. Only the New York and local amounts typed into the four boxes change. Those amounts are illustrative entries, not tax rates and not sourced figures; every dollar below is computed from those entries rather than copied from another printed figure.
Example A — one New York line on the check
New York State $132.00; New York City $0.00; Yonkers $0.00; mobility tax $0.00
Federal FICA — Social Security $2,400.00 × 6.2% = $148.80; Medicare $2,400.00 × 1.45% = $34.80; Additional Medicare $0.00
New York lines — $132.00 + $0.00 + $0.00 + $0.00 = $132.00
Total withheld = $183.60 + $132.00 = $315.60 · take-home = $2,400.00 − $315.60 = $2,084.40 · 3 lines above zero
Example B — two New York lines on the check, the default boxes
New York State $132.00; New York City $78.00; Yonkers $0.00; mobility tax $0.00
Federal FICA — the same $183.60, because gross pay and year-to-date wages did not change
New York lines — $132.00 + $78.00 + $0.00 + $0.00 = $210.00
Total withheld = $183.60 + $210.00 = $393.60 · take-home = $2,400.00 − $393.60 = $2,006.40 · 4 lines above zero
Example C — all four New York lines present on the check
New York State $132.00; New York City $78.00; Yonkers $24.00; mobility tax $11.00
Federal FICA — still the same $183.60; the federal lines do not depend on which New York lines appear
New York lines — $132.00 + $78.00 + $24.00 + $11.00 = $245.00
Total withheld = $183.60 + $245.00 = $428.60 · take-home = $2,400.00 − $428.60 = $1,971.40 · 6 lines above zero
The three examples side by side
| Example | Federal FICA | New York lines | Total withheld | Take-home pay |
|---|---|---|---|---|
| A — one layer | $183.60 | $132.00 | $315.60 | $2,084.40 |
| B — two layers | $183.60 | $210.00 | $393.60 | $2,006.40 |
| C — four layers | $183.60 | $245.00 | $428.60 | $1,971.40 |
Example B, every line on the check
| Withholding line | Amount | Where the amount comes from |
|---|---|---|
| Social Security | $148.80 | $2,400.00 of wages below the $184,500.00 wage base × 6.2% |
| Medicare | $34.80 | $2,400.00 × 1.45%, with no wage base limit |
| Additional Medicare | $0.00 | No wages above $200,000.00 in the calendar year |
| New York State | $132.00 | Amount typed into the box |
| New York City | $78.00 | Amount typed into the box |
| Yonkers | $0.00 | Box left at zero |
| Mobility tax | $0.00 | Box left at zero |
| Total | $393.60 | Sum of the seven lines above |
The New York State Department of Taxation and Finance keeps a page called “Tax rates and tables”. Read on 12 November 2026, it says, in full: “Information about tax rates and tax tables for New York State, New York City, Yonkers and the metropolitan commuter transportation mobility tax by year are provided below.” Four separate names, on one official page, listed together. On that same read the page offered 2025, 2024, 2023 and 2022, carried the line “Page last reviewed or updated: November 18, 2025”, and did not list 2026.
That is the whole reason this calculator has four boxes instead of one. A single check can show more than one New York or local line, and adding the lines up by hand is where a pay stub stops being easy to read. We do not say which of the four applies to you, in what order they are withheld, whether they share a wage base, or what any of them should be for 2026. Those are state and local rules, and on the day we built this page we could not reach a primary source that states them; the source check below records each attempt. What we can do without guessing is take the four amounts you read off your own pay stub and put them next to the three federal FICA lines, then add them up.
Holding gross pay and year-to-date wages still across the three examples is deliberate. It fixes the federal side at $183.60 in all three, so the entire difference between $2,084.40, $2,006.40 and $1,971.40 comes from the New York lines alone. Example C has four of those lines present and still shows the same $183.60 on the federal side. A calculator that only prints one state tax number cannot show that separation, and neither can a weekly gross-pay calculator.
The three federal lines use only figures read from IRS Publication 15 on 12 November 2026: Social Security at 6.2% each for the employee and employer with a $184,500.00 social security wage base limit, Medicare at 1.45% each with no wage base limit, and a 0.9% Additional Medicare Tax on wages paid to an employee in excess of $200,000.00 in a calendar year. Year-to-date wages are an input because both of those limits are measured across the calendar year, not on one check. No federal income tax withholding, no filing status, no Form IT-2104 allowances, no pre-tax deduction and no post-tax deduction is applied here.
We read the natural results for this phrase once, on 12 November 2026, in the browser we use for research. Nine results came back. Two answered with an access-denied response and are recorded as unreadable, not as zero. The following counts come from the seven pages we could read.
| What we looked for | Result across the seven readable pages |
|---|---|
| Spread of hours pay named at all | Seven of seven had none |
| New York regional minimum wage tiers named at all | Seven of seven had none |
| Wage notice or wage theft prevention named at all | Seven of seven had none |
| New York disability benefits insurance named | Six of seven had none |
| Social Security wage base named | Six of seven had none |
| Nonresident or resident credit treatment named | Six of seven had none |
| Metropolitan commuter transportation mobility tax named | Five of seven had none |
| Form IT-2104 or a state withholding form named | Four of seven had none |
| New York City income tax named | Four of seven had none |
| A line-by-line breakdown of one check | Three of seven had none |
These are counts of the phrases we looked for in those pages that day, written from our own notes; they are not a claim about what those sites do elsewhere, and we have not copied a sentence from any of them. Two of the three leading domains returned an access-denied response and are excluded from every count rather than treated as a page with nothing on it. What this page adds is narrow and specific: the four New York and local layers as four separate inputs, a source check that says plainly which 2026 rates we could not find, and three examples that hold the federal side fixed so the local lines can be read on their own.
This page quotes no 2026 state income tax rate, no 2026 city or Yonkers rate, no mobility tax rate, no tax bracket, no filing status, no payment deadline and no penalty. Where we could not reach a primary source for a 2026 figure, the table below says “Source not found” rather than carrying a plausible-sounding number.
The four layer names come from the New York State Department of Taxation and Finance, Tax rates and tables page, read on 12 November 2026. Its text names New York State, New York City, Yonkers and the metropolitan commuter transportation mobility tax as the subjects of the tax rates and tax tables provided by year. The page offered 2025, 2024, 2023 and 2022; it did not list 2026, and a 2026 address we tried on the same host returned HTTP 404. We therefore print no 2026 rate for any of the four layers and apply none.
We tried the New York State Department of Labor pages for minimum wage, overtime, spread of hours and wage theft prevention, and the New York Paid Family Leave site, on 12 November 2026. Each returned an access-denied page headed “Attention Required! | Cloudflare” in the browser we use for research, and the same addresses returned HTTP 403 to a plain document request. A Form IT-2104 address returned HTTP 404. Those attempts produced no readable primary text, so this page states no New York minimum wage, no spread of hours rule, no wage notice rule, no paid family leave contribution and no state withholding allowance. They are marked “Source not found” below.
Federal FICA figures — Social Security at 6.2% up to a $184,500.00 wage base, Medicare at 1.45% with no wage base limit, and 0.9% Additional Medicare Tax on wages above $200,000.00 in a calendar year — were read from IRS Publication 15 on 12 November 2026. They are the only rates this calculator applies. Our Texas Paycheck Calculator prints the same three federal lines; this page uses them as the fixed side of the comparison rather than as its subject.
Source check, 12 November 2026
| Item | Source |
|---|---|
| Four layer names: New York State, New York City, Yonkers, mobility tax | NY Department of Taxation and Finance, Tax rates and tables, read 12 November 2026 |
| Years offered on that page: 2025, 2024, 2023, 2022 | NY Department of Taxation and Finance, Tax rates and tables, read 12 November 2026 |
| Page last reviewed or updated: November 18, 2025 | NY Department of Taxation and Finance, Tax rates and tables, read 12 November 2026 |
| Social Security 6.2% and $184,500.00 wage base | IRS Publication 15, read 12 November 2026 |
| Medicare 1.45% with no wage base limit | IRS Publication 15, read 12 November 2026 |
| Additional Medicare Tax 0.9% above $200,000.00 | IRS Publication 15, read 12 November 2026 |
| 2026 New York State income tax rate or bracket | Source not found — the tax rates page listed no 2026 entry; a 2026 address returned HTTP 404 |
| 2026 New York City income tax rate | Source not found |
| 2026 Yonkers income tax rate or surcharge | Source not found |
| 2026 mobility tax rate and who remits it | Source not found |
| Which layers apply to a given worker, and in what order | Source not found — not stated in the text we could read |
| 2026 New York minimum wage or regional tiers | Source not found — Department of Labor pages returned an access-denied response |
| Spread of hours rule, wage notice rule, paid family leave contribution | Source not found — Department of Labor and Paid Family Leave pages returned an access-denied response |
| Form IT-2104 allowances and state withholding method | Source not found — the form address returned HTTP 404 |
| Calculator arithmetic | Printed line by line above |
| Published | 12 November 2026 |
No. It asks you to type the New York and local amounts from your own pay stub. We could not read a primary source for the 2026 state, city, Yonkers or mobility tax rates, so no such rate is quoted or applied. The calculator adds the amounts you supply to the three federal lines and gives you the total and the take-home figure.
Because the New York State Department of Taxation and Finance tax rates and tables page, read on 12 November 2026, names four subjects: New York State, New York City, Yonkers and the metropolitan commuter transportation mobility tax. Four boxes let you put all four lines of a pay stub in one place. Leave any of them at zero when that line is not on your check.
By design. Gross pay and year-to-date wages are held at $2,400.00 and $48,000.00 in all three, so Social Security stays $148.80, Medicare stays $34.80 and Additional Medicare stays $0.00. That fixes the federal side at $183.60 and leaves only the New York lines to explain the difference in take-home pay.
It decides how much of this check is still under the $184,500.00 Social Security wage base, and how much of it is above the $200,000.00 Additional Medicare Tax threshold. Both federal limits are measured across the calendar year. Raise year-to-date wages past either limit and the corresponding federal line changes, even though the New York boxes have not moved.
It is gross pay less the three federal FICA lines and the four New York and local amounts you typed. Federal income tax withholding, pre-tax deductions, post-tax deductions and anything else on a real pay stub are not included, so it is not a full take-home estimate.
Prices one workweek under the daily overtime bands, with the eighth-hour, twelfth-hour and seventh-day thresholds shown as inputs.
Splits one check into the three federal FICA lines, with year-to-date wages and two caps shown as inputs.
Prices a final check from wages, leave cash-out and the rate behind each line.
General information only — not tax, legal or payroll advice. Published 12 November 2026. No 2026 state income tax rate, no 2026 city or Yonkers rate, no mobility tax rate, no federal income tax rate, no filing status, no payment deadline, no penalty and no determination of which layers apply to you is made on this page. The comparison above was read from the natural results for this phrase on 12 November 2026 and describes what those pages showed that day.