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 New York Pay StubNew York Tax Overview
Tax Structure
New York has a progressive state income tax with rates from 4% to 10.9%. 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 state 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%), and the state withholds a small Disability Benefits (DBL) premium.
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, with self-employment treatment available for 1099-style income.
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 |
| Net pay (take-home) | $1,835.22 |
Annualised, that's about $47,716 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 PreviewNew 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 itemises federal income tax, Social Security (6.2%), and Medicare (1.45%), plus New York state income tax, and a state disability/insurance (SDI) deduction. Year-to-date totals for each line are included.
- 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 $47,716 per year after federal tax, FICA, and state income tax — roughly $1,835.22 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.
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.