New York pay stub generator
Create a New York pay-stub PDF with progressive state income tax handling, federal withholding, FICA, deductions, YTD totals, and net pay. The stub should match the income records behind it.
Create your pay stubNew York tax overview
Tax structure
New York has a progressive state income tax. The 2026 bracket table below is generated from the same engine that calculates your stub. The state offers standard deductions and credits.
Top tax rate
10.9%
Maximum state income tax rate for New York residents.
Important notes
New York City residents pay additional local income tax up to 3.876%.
2026 New York income tax rates
New York uses a progressive income tax. Below are the 2026 marginal brackets for a single filer — each rate applies only to the income that falls within that band, after the withholding standard deduction of $8,000. Married-filing-jointly brackets are generally wider.
| Taxable income (single filer) | Marginal rate |
|---|---|
| Up to $8,500 | 3.9% |
| $8,500 – $11,700 | 4.4% |
| $11,700 – $13,900 | 5.15% |
| $13,900 – $80,650 | 5.4% |
| $80,650 – $215,400 | 5.9% |
| $215,400 – $1,077,550 | 6.85% |
| $1,077,550 – $5,000,000 | 9.65% |
| $5,000,000 – $25,000,000 | 10.3% |
| $25,000,000 and up | 10.9% |
Local & payroll taxes: New York City residents pay an additional local income tax (roughly 3.08%–3.88%), Yonkers adds a resident surcharge and a non-resident earnings tax, and the state withholds a small Disability Benefits (DBL) premium. Yonkers tax isn't calculated (New York City's is) — add it as a post-tax deduction.
2026 rates, single-filer schedule — the same tax tables our generator uses. Confirm against the New York revenue department before filing; your withholding shifts with filing status, deductions, and credits.
What's included in your New York pay stub
Federal income tax
Federal withholding is calculated from the gross pay, pay frequency, filing status, and deduction details you enter.
New York state income tax
progressive state income tax handling for New York, based on the supported current bracket or rate schedule.
FICA taxes
Social Security and Medicare are shown as separate lines. 1099 contractor stubs show gross pay with no tax withheld.
Deductions & year-to-date
Show health insurance, retirement, and other deduction lines, plus YTD totals derived from the pay-period inputs.
Sample New York paycheck on a $60,000 salary
Single filer, bi-weekly pay (26 paychecks/year), no W-4 adjustments. Numbers come from the same calculator that generates your stub — see the pay-stub creator to plug in your own figures.
| Line | Per paycheck |
|---|---|
| Gross pay | $2,307.69 |
| Federal income tax | −$193.08 |
| New York state income tax | −$101.65 |
| Social Security (6.2%) | −$143.08 |
| Medicare (1.45%) | −$33.46 |
| New York SDI / wage tax | −$1.20 |
| New York paid family/medical leave | −$9.97 |
| Net pay (take-home) | $1,825.25 |
Annualized, that's about $47,457 in take-home pay on a $60,000 salary — with roughly $2,643 going to New York state income tax over the year. Numbers assume the 2026 IRS withholding tables and New York's progressive rate schedule (top rate 10.9%); your actual withholding will shift with filing status, W-4 adjustments, pre-tax deductions, and YTD wages.
Where a New York stub fits
Loan applications
Use a current pay-period summary alongside bank statements, employer records, tax returns, or invoices so the reviewer can reconcile the numbers.
Mortgage approval
A mortgage file usually relies on tax returns, bank statements, credit, and debts. A stub can organize the recent income piece.
Rental applications
Property managers may ask for recent income periods. Use consecutive stubs that match deposits or payroll records.
Self-employment & freelance
Freelancers & self-employed individuals in New York can summarize invoice, platform, deposit, or business records in a payroll-style layout.
Create a New York pay stub preview
Generate the watermarked preview first. Pay $2.49 for the clean PDF only when the state tax line, deductions, YTD totals, and net pay match your records.
Create your pay stubYear-end forms
When the year closes, the same figures feed a New York employee's W-2 or a contractor's 1099-NEC. Preview is free; the clean PDF is $4.99 per form, or included with a subscription.
New York pay stub FAQs
- Does New York have a state income tax?
- Yes. New York has a progressive state income tax topping out at 10.9%, charged on top of federal income tax and FICA (Social Security and Medicare).
- What taxes are withheld on a New York pay stub?
- A New York pay stub itemizes federal income tax, Social Security (6.2%), and Medicare (1.45%), plus New York state income tax, and a state disability/insurance (SDI) deduction and a paid family/medical leave premium. Year-to-date totals for each line are included.
- Are employers required to provide a pay stub in New York?
- New York Labor Law section 195(3) requires a wage statement with every payment of wages, and asks for more employer detail than most states — including the employer's phone number and the basis on which pay is calculated. Employees paid hourly and not exempt from overtime must also see their regular and overtime rates broken out, with the hours at each. On request, an employer has to explain in writing how the wages were computed.
- What is the take-home pay on a $60,000 salary in New York?
- A single filer earning $60,000 in New York takes home about $47,457 per year after federal tax, FICA, and state income tax — roughly $1,825.25 per bi-weekly paycheck. Your actual figure varies with filing status, deductions, and W-4 elections.
- Can I use a New York pay stub as proof of income?
- A New York pay stub can support an apartment, loan, or mortgage file when it reflects real earnings and matches the records behind it. Reviewers may still ask for bank statements, tax returns, employer records, invoices, or other source documents.
New York pay stub requirements
Pay stub required by state law
What the statute requires on the statement
- Dates of work covered by the payment
- Employee name
- Employer name, address and phone number
- Rate or rates of pay and the basis (hourly, shift, day, week, salary, piece, commission)
- Gross wages
- Deductions
- Allowances claimed as part of the minimum wage
- Net wages
- For non-exempt employees: regular and overtime hourly rates, and regular and overtime hours worked
- For piece-rate employees: the applicable piece rates and pieces completed at each
How often wages must be paid
Manual workers must be paid weekly; semi-monthly payment is permitted only on approval.
Sources
- New York Labor Law §195 — Notice and record-keeping requirements
- U.S. Department of Labor — State payday requirements
Summarized from the sources above for general information. Wage statement law changes — verify against the primary source before relying on it. This is not legal advice.
Generating pay stubs in a nearby state?
Tax rules vary from one state to the next. Pick the right calculator for the state where the work was performed.