New York Paystub Generator

Reading a New York pay stub, line by line

New York stubs carry more state lines than almost any other state. Here's what each one means in 2026:

NYPFL (New York Paid Family Leave). An employee-funded deduction of 0.432% of gross wages in 2026, capped at $411.91 for the year. From January 1, 2027: 0.452% of gross wages, capped at $451.81 for the year. It funds up to 12 weeks of paid leave to bond with a child or care for family. On a $60,000 salary it takes about $259/year (~$10 per biweekly check).

NYSDI / DBL (Disability Benefits). The oldest line on a NY stub: 0.5% of wages, but never more than $0.60 per week — about $31 a year, a rate set by statute. It funds short-term off-the-job disability benefits.

NY State Income Tax. Progressive, 3.90%–10.9% in 2026 (the bottom five rates were just cut in the state budget). Most workers' wages fall in the 5.40% bracket, which starts at just $13,900 of taxable income.

NYC Resident Tax (if you live in the five boroughs). New York City residents pay an extra 3.078%–3.876% city income tax, withheld right on the stub. Yonkers residents pay a 16.75% surcharge on their state tax instead. Live anywhere else in New York? No local income tax — NYC and Yonkers are the only two.

Plus the standard federal lines: federal income tax, Social Security (6.2% up to $184,500), Medicare (1.45%). From January 1, 2027: Social Security 6.2% up to $192,300.

New York paycheck facts — 2026

What you actually take home in New York (2026 estimates)

Estimated for a single filer taking the standard deduction, including federal tax, Social Security, Medicare, NY income tax, NY PFL, and NYSDI (excluding NYC tax — add it below if you live in the five boroughs):

NYC residents: subtract roughly another 3.1%–3.9% of taxable income — about $1,890/year at a $60,000 salary.

Methodology: 2026 federal brackets and $16,100 standard deduction (IRS Rev. Proc. 2025-32), FICA per SSA, official 2026 NY tax schedule and $8,000 state standard deduction (IT-2105-I), PFL 0.432%, DBL $0.60/wk. Estimates only — your withholding depends on your W-4/IT-2104, credits, and pre-tax benefits.

What New York jobs pay (BLS, May 2025)

New York's median hourly wage across all occupations is $28.69 — the highest of America's four biggest states.

New York's workforce in numbers

• 20.0 million residents, civilian labor force of 10.1 million (Census 2025 estimate; BLS, June 2026)
• 1,985,320 self-employed (nonemployer) businesses (Census, 2023) — nearly 2 million New Yorkers earning without an employer pay stub
• Mean annual wage: $82,460 — highest among the big states (BLS OEWS, May 2025)

New York pay rules — the answers people actually need

Weekly pay for manual workers. New York's most-litigated payroll rule: anyone spending more than 25% of their time on physical labor is a "manual worker" and must be paid weekly, within 7 days of the week worked (Labor Law §191). Clerical and other workers: at least semimonthly. This trips up out-of-state employers constantly.

Final paycheck: due by the next regular payday after you leave — fired or quit — and must be mailed if you request it.

Is a pay stub required? Emphatically yes. The Wage Theft Prevention Act (Labor Law §195) requires a wage statement with every single payment: rates and basis of pay, hours, gross wages, every deduction, allowances, net pay, pay-period dates, and the employer's name, address, and phone. Violations cost $250 per day, per worker in DOL enforcement (employees can sue for up to $5,000 each). Electronic stubs are legal only if workers can access and print them at work.

NYC, Long Island, Westchester vs upstate (2026)

New York runs two minimum wages: $17.00/hr in NYC, Nassau, Suffolk, and Westchester; $16.00/hr everywhere else (both rose January 1, 2026; annual CPI indexing starts 2027). Tipped rates differ too ($11.35 + $5.65 tip credit downstate food service).

And the city line matters twice: NYC residents pay the city income tax even if they work outside the city — while commuters into NYC from New Jersey or Long Island pay no NYC tax at all (they'll see other lines, like NJ withholding, instead).

How New York compares (take-home on $60,000, 2026 est.)

(The Connecticut figure is a directional estimate pending that state's full data workup.)

FAQ

How New York taxes your wages (2026)

New York taxes wages on a progressive schedule running from 4% to 10.9%, and New York City and Yonkers residents pay a further local income tax on top of it.

New York State levies a progressive income tax under Article 22 of the Tax Law. For a single filer the schedule starts at 4% on the first band of taxable income and rises through eight further brackets to 10.9% at the top — one of the widest spreads in the country, which is why two New Yorkers on very different salaries see very different state rates on otherwise identical stubs.

Three things make a New York stub distinctive:

• Its own withholding certificate. New York does not accept the federal W-4 on its own — you file Form IT-2104, and the allowances on it are calculated differently from the federal ones. Filing only a W-4 is the single most common cause of a New Yorker being under-withheld at the state line.
• A statutory disability deduction. Under the Disability Benefits Law an employer may take up to one half of one percent of wages, capped at 60 cents a week, toward state disability insurance. It is a tiny line, but it is a real one and it is labelled NY DBL or NY SDI.
• A paid family leave deduction. New York Paid Family Leave is employee-funded through payroll deduction, at a contribution rate and annual cap that the Department of Financial Services sets fresh each year. Check the rate on the current year's DFS notice rather than assuming last year's — this figure moves annually and is deliberately not quoted here.

New York pay-stub and pay-frequency law

Is a pay stub required in New York?

New York has one of the strictest pay-statement laws in the country. Labor Law §195(3) requires the employer to furnish a statement with every payment of wages, and it lists the contents: the dates of work covered, the employee's name, the employer's name, address and phone number, the rate or rates of pay and the basis (hour, shift, day, week, salary, piece, commission), gross wages, each deduction itemised, any allowances claimed, and net wages. For a non-exempt employee it must also show the regular hourly rate, the overtime rate, the number of regular hours and the number of overtime hours.

Separately, §195(1) requires a written wage notice at hire, in English and in the employee's primary language, stating the rate of pay and the regular payday. New York enforces both with statutory damages, which is why New York stubs tend to be the most detailed you will see.

How often must you be paid in New York?

New York sets frequency by the kind of work, not by employer choice. Labor Law §191 requires manual workers to be paid weekly, and not later than seven calendar days after the week in which the wages were earned. Clerical and other workers must be paid at least semi-monthly, on regular paydays designated in advance. Commission salespeople must be paid at least once a month, under a written agreement.

The manual-worker rule catches more people than employers expect — it turns on the nature of the duties, not the job title.

City and local taxes in New York

New York is one of the few states where the city line genuinely matters. New York City residents pay a city income tax on top of the state tax, administered through state withholding and reported on the same return. It is bracketed, not flat, and the resident rates run roughly from 3.078% to 3.876% depending on income and filing status — the operative figures are the tables in the Department of Taxation and Finance's NYS-50-T-NYC withholding publication for the year in question.

The city tax follows residence, not workplace. New York City has not taxed the wages of non-residents since 1999, so a commuter who works in Manhattan and lives in New Jersey pays no NYC line at all, while a Queens resident working in Westchester does.

Yonkers runs a second scheme: residents pay a surcharge calculated as a percentage of their New York State tax, and non-residents who work in Yonkers pay a small earnings tax on their Yonkers wages. No other New York municipality taxes wages.

Deliberately, no dollar figure for the NYC line appears in the worked example below. The repo's local-tax dataset carries the NYC resident rate as a flagged estimate, and its own emitted line warns that IT-2104 allowances are not modelled — publishing arithmetic on top of an estimate would make it look like a fact. The rule is stated; the number belongs to the DTF tables.

A New York pay stub, worked through line by line

A $78,000 salary paid every two weeks, a single filer living and working in New York State outside New York City and Yonkers, with $175 of pre-tax deductions per period.

State tax only — a New York City resident would carry a further city income tax line, and both the DBL and Paid Family Leave deductions sit outside this calculation.

Every figure in this table is computed by PayStubGo's own 2026 tax engine from the inputs stated above — none of it is typed in by hand, and a build check re-runs the same inputs through the same engine and fails if a published figure and a freshly computed one disagree. It is an estimate of withholding, not a statement of your final liability: your own W-4 and state certificate, credits and pre-tax benefits all move the result.

Terms on a New York stub, and where to go next

The lines that vary most by state on a New York stub, defined in full on the pay stub glossary:

• state income tax — the term as it appears on the stub
• local municipal tax — the term as it appears on the stub
• state disability insurance — the term as it appears on the stub
• paid family and medical leave — the term as it appears on the stub
• state withholding certificate — the term as it appears on the stub

Related reading:

• The pay stub glossary — Ninety-four terms, each with where it appears on the stub.
• Build a pay stub — Enter your own figures and see the earnings, deduction and year-to-date lines laid out.
• Holiday season pay — How holidays, overtime and a second seasonal job change the December stub.
• Every state — The state index, for comparing withholding across a move.

Dated figures on this page

Tax rules change every year. Each figure below carries the year or edition it applies to and the official body it came from, so you can check it rather than trust it. Last re-verified 2026-09-20.

Where a rate is set fresh each year and we could not verify the 2026 figure against the issuing agency, the rule is stated and the number is deliberately left out rather than approximated.