Estimate your federal and New York state withholding, Social Security, and Medicare using the annualization method.
e.g. $2,000 per qualifying child under 17 • $500 per other dependent.
Interest, dividends, side income. Increases withholding.
Itemized deductions minus your standard deduction. Decreases withholding.
Additional federal tax per paycheck (W-4 Step 4c).
From your New York state withholding form.
Additional state income tax per pay period.
Federal withholding uses the official 2026 IRS Publication 15-T Percentage Method tables. Supports both 2019-and-earlier W-4 (allowance-based) and 2020+ W-4 (Steps 2–4). Federal withholding allowance: $4,300. Social Security wage base: $176,100.
New York withholding uses an estimated rate. For precise calculations, consult your state’s withholding tables or a qualified payroll professional.
To estimate your New York take-home pay: start with gross pay, subtract federal income tax (using IRS Pub 15-T 2026 brackets), subtract New York state income tax, subtract Social Security (6.2% up to $176,100) and Medicare (1.45%), and any other deductions. Use the calculator above for a quick estimate.
New York state income tax is withheld using the annualization method: your per-period gross pay is multiplied by the number of pay periods, the annual tax is calculated using New York's withholding tables, and then divided back down to a per-period withholding amount.
The 2026 Social Security wage base is $176,100. Employees pay 6.2% of wages up to this limit. Earnings above $176,100 are not subject to Social Security tax, though Medicare tax of 1.45% (plus 0.9% surtax over $200,000) applies to all wages.
For 2026, the IRS Publication 15-T Standard Withholding percentage method for a single filer uses annualized wages: 0% up to $7,500; 10% from $7,501 to $19,900; 12% from $19,901 to $57,900; 22% from $57,901 to $113,200; 24% from $113,201 to $209,275; 32% from $209,276 to $263,725; 35% from $263,726 to $648,100; and 37% above $648,100. These thresholds include the standard deduction and were updated for 2026 inflation adjustments.
The IRS updates federal withholding tables annually in Publication 15-T, typically released in December for the following year. State withholding tables vary by state — some update annually, others less frequently. Always verify you are using current-year tables before processing payroll.