Ny Hourly Paycheck Calculator

If you work by the hour in New York, whether in New York City, Long Island & Westchester, or elsewhere in the state, it helps to know how much of your paycheck you’ll actually take home. The NY Hourly Paycheck Calculator estimates gross pay, overtime pay, payroll taxes (Social Security & Medicare), and gives a simple, transparent estimate of net pay after common withholdings.

NY Hourly Paycheck Calculator

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What the calculator estimates

  • Gross pay (regular + overtime)
  • Tax withholdings: Social Security, Medicare (FICA), estimated federal withholding, New York State income tax, and optional local tax (e.g., NYC)
  • Other deductions: pre-tax retirement, health premiums, union dues (optional inputs)
  • Net pay (take-home pay)

Where possible the tool uses official rules: New York minimum wage by region and current FICA (Social Security & Medicare) rates. Department of LaborIRS

Key plain-text formulas

  1. Regular gross pay = Hourly rate × Regular hours (up to 40 per week)
  2. Overtime pay = Hourly rate × Overtime multiplier × Overtime hours
    • In New York, overtime is commonly paid at 1.5× for hours worked over 40 in a workweek (unless different rules apply for certain workers).
  3. Total gross pay = Regular gross pay + Overtime pay
  4. Social Security withholding = Total gross pay × 6.2% (applies up to the wage base). IRSSocial Security
  5. Medicare withholding = Total gross pay × 1.45% (no wage base limit). IRS
  6. Estimated federal withholding = Total gross pay × (user chosen % or computed from IRS withholding tables — see Pub. 15-T). IRS
  7. Estimated NY state tax = Total gross pay × (user chosen % or NY withholding table)
  8. Net pay = Total gross pay − (Social Security + Medicare + Federal withholding + NY state tax + Local tax + Other deductions)

Official rates you should know (2025)

  • New York minimum wage (effective Jan 1, 2025):
  • Social Security tax (employee portion): 6.2% (2025 wage base: $176,100). Social Security
  • Medicare tax (employee portion): 1.45% (plus an additional 0.9% for high earners above certain thresholds). IRS

Use IRS Publication 15 and Publication 15-T for exact federal withholding calculations or the IRS Tax Withholding Estimator for precision. IRS+1

How to use the NY Hourly Paycheck Calculator (step-by-step)

  1. Enter your hourly rate. (If you earn minimum wage, choose the correct region: NYC/Long Island/Westchester or rest of state.) Department of Labor
  2. Enter hours worked (regular & overtime). The tool will treat hours over 40/wk as overtime at 1.5× by default.
  3. Choose filing status or enter an estimated federal withholding % (or use the W-4-based withholding routine). The calculator can accept a flat % for a quick estimate or use IRS tables for accuracy. IRS
  4. Enter pre-tax deductions (401(k), HSA, commuter benefits) if applicable — the calculator subtracts these before tax when appropriate.
  5. Add state/local withholding (NY state tax and optional local NYC tax) or pick a default estimate.
  6. Calculate to get an itemized breakdown: gross pay, each withholding, and net pay.

Example — stepwise arithmetic (clear digits)

Scenario: You work 42 hours this week in NYC at $20.00/hr. You elect no pre-tax deductions and use a simple estimated federal withholding of 10% and NY state withholding of 4%.

  1. Regular gross (40 hrs): 20.00 × 40 = 800.00
  2. Overtime hours: 42 − 40 = 2 hours
  3. Overtime pay: 20.00 × 1.5 × 2 = 20.00 × 3 = 60.00
  4. Total gross pay: 800.00 + 60.00 = 860.00

Now withholdings:

  1. Social Security: 860.00 × 0.062 = 53.32. (6.2% of 860.00). IRS
  2. Medicare: 860.00 × 0.0145 = 12.47. (1.45% of 860.00). IRS
  3. Federal withholding (estimate 10%): 860.00 × 0.10 = 86.00.
  4. NY state tax (estimate 4%): 860.00 × 0.04 = 34.40.
  5. Net pay = 860.00 − (53.32 + 12.47 + 86.00 + 34.40) = 860.00 − 186.19 = 673.81

Takeaway: For quick estimates, choose sensible percentages and use official IRS/NYS tables for final payroll calculations. The calculator flags estimates vs. official table results.

Tips for accurate results

  • Pick the right region for minimum wage and any local taxes. Department of Labor
  • Use your most recent paystub to set withholding percentages and pre-tax deductions.
  • For exact federal withholding, use the IRS Wage Bracket or Percentage Method (Pub. 15-T) or the IRS online withholding estimator. IRS+1
  • Remember caps: Social Security withholding stops after the wage base; Medicare does not cap. Social SecurityIRS

20 Frequently Asked Questions (FAQs)

  1. Does New York require overtime pay? — Yes: overtime at 1.5× is common for hours over 40/week for most non-exempt employees.
  2. What's the NY minimum wage? — As of Jan 1, 2025: NYC/Long Island/Westchester $16.50; rest of state $15.50. Department of Labor
  3. What is FICA? — Social Security + Medicare payroll taxes; employee shares are 6.2% and 1.45% respectively. IRS
  4. Is federal withholding a flat percent? — No — it's based on W-4 info and IRS tables; a flat percent can be used for quick estimates. IRS
  5. Do I pay state tax in NY? — Yes — New York State income tax applies and varies by income.
  6. Does NYC add a local tax? — NYC residents may owe local/NYC taxes — include if you live in NYC.
  7. Can my employer withhold too much? — Employers follow your W-4; check paystubs and adjust your W-4 if needed. IRS
  8. Are tips taxed? — Yes — tips are wages and subject to withholding and FICA.
  9. Does Social Security cap change? — Yes — 2025 cap: $176,100. Social Security
  10. Is Medicare unlimited? — Yes, Medicare withholding applies to all wages; an extra 0.9% applies to high earners. IRS
  11. Can I include health/retirement deductions? — Yes — add pre-tax deductions for more accurate net pay.
  12. How often should I update inputs? — Update whenever hours, rate, or withholding change.
  13. Do contractors get FICA withheld? — No; independent contractors pay self-employment tax instead.
  14. Does minimum wage vary by industry? — Tipped and some fast-food categories have separate rules — check NYSDOL. Department of Labor
  15. Can employer require direct deposit? — Many do; rules vary — check your employer’s policy.
  16. Is overtime calculated daily or weekly? — NY uses weekly overtime for most employees (40-hour rule).
  17. Will taxes be exact? — Calculator gives estimates; final withholding is set by payroll and tax rules. IRS
  18. How do I handle multiple jobs? — Combine gross wages for FICA/Medicare; federal/state withholding uses combined income to set brackets.
  19. Are fringe benefits taxable? — Some are (e.g., certain bonuses); consult payroll.
  20. Where to get official guidance? — NY Department of Labor for wage rules and the IRS for federal withholding (Pub. 15/15-T). Department of LaborIRS

If you want, I can now:

  • Create the actual calculator logic (plain-English pseudocode or a ready-to-paste JavaScript snippet), or
  • Generate a printable payroll cheat-sheet tailored to NYC vs. rest-of-state, or
  • Build examples for weekly, biweekly, and monthly pay frequencies with exact tables.