New York Tax & Payroll Tax Calculators

New York employers and employees face a layered tax system that most states do not have: New York State income tax withholding, a New York City personal income tax for residents (plus Yonkers tax for Yonkers residents), and the Metropolitan Commuter Transportation Mobility Tax (MCTMT) that applies to certain payroll within the MCTD region. Supplemental pay such as bonuses, commissions, and retroactive wages is withheld under special federal and state rules.

This hub brings together the tools that answer the most common New York payroll tax questions: how much of a bonus you actually keep after federal, state, city, and FICA withholding, how many IT-2104 allowances to claim on Form IT-2104, whether your business owes MCTMT and at what rate, how to handle retroactive pay, and how NYC's local income tax is calculated on your taxable income.

Every calculator uses the current 2026 rates published by the NYS Department of Taxation and Finance and the NYC Department of Finance, and is verified by the AKCalc financial team. For paycheck and leave-related tools, see the New York Paycheck Calculators and return to the New York Calculators hub for the complete list.

📅 Updated for 2026 ✍️ Verified by AKCalc Financial Team 💲 Free & no sign-up required

New York Tax & Payroll Tax Calculators

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New York Bonus Tax Calculator 2026

NYC residents keep ~54¢ per bonus dollar in 2026. Get your exact take-home after federal 22%, NY State 11.70%, NYC 4.25%, Yonkers & FICA - all five layers.

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IT-2104 Calculator 2026

Calculate your 2026 NY IT-2104 allowances instantly. See exactly how many to claim, your paycheck impact, and avoid tax penalties. Free NYC & Yonkers calculator - updated for 2026 rate cuts.

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New York MCTMT Calculator 2026

Calculate your 2026 New York MCTMT instantly - tiered employer rates by zone and quarterly payroll, or self-employed rates (0.60% Zone 1 / 0.34% Zone 2) above the $150,000 threshold. Free, no sign-up.

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NY Retroactive Pay Calculator 2026

Calculate NY retroactive pay after federal (22%), NYS (11.70%), NYC (4.25%), and Yonkers withholding. Free tool compares flat-rate vs aggregate methods, includes employer mode and overtime true-up. Updated for 2026 official rates.

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NY Supplemental Wage Tax Withholding Calculator 2026

Calculate NY supplemental wage withholding instantly. 2026 rates: 11.70% NY State, 4.25% NYC, 1.95975% Yonkers. Free bonus & commission tax calculator.

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NY SUTA Taxable Wage Base Calculator 2026

Calculate your 2026 NY SUTA tax per employee in seconds. The official NY DOL wage base is $17,600 - we explain why some sites still show $13,000. Free NY unemployment tax calculator.

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NYC Unincorporated Business Tax Credit Calculator 2026

Free 2026 NYC UBT calculator. Compute your NYC-202 Business Tax Credit and IT-219 personal income tax credit instantly using official NYC DOF formulas.

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NYC Local Income Tax Calculator 2026

Estimate your NYC local income tax for 2026. Progressive 3.078%-3.876% resident rates applied to your NY taxable income, with full state, federal & take-home breakdown.

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Frequently Asked Questions

What taxes are withheld from a New York bonus?

A bonus is supplemental wages, so it is usually withheld at a flat 22% for federal tax. On top of that, New York State withholds at the current NYS supplemental rate, NYC residents lose the NYC rate, Yonkers residents pay Yonkers tax, and FICA (Social Security and Medicare) applies as well. The New York Bonus Tax Calculator stacks all five layers so you see the exact take-home.

What is the MCTMT and who has to pay it?

The Metropolitan Commuter Transportation Mobility Tax (MCTMT) funds mass transit in the Metropolitan Commuter Transportation District (MCTD). Employers with payroll in the MCTD pay it when their district payroll exceeds $312,500 per quarter, and self-employed individuals earning over $150,000 in district net earnings pay it at 0.60% (Zone 1) or 0.34% (Zone 2). Use the New York MCTMT Calculator for the exact rate that applies to you.

How many allowances should I claim on NY Form IT-2104?

The number depends on your filing status, credits, deductions, and how much withholding you want. Claiming more allowances reduces New York withholding and increases each paycheck, but too many can leave you owing tax and penalties at filing time. The IT-2104 Calculator estimates the right number for your situation and shows the paycheck impact.

How is NYC local income tax calculated?

New York City residents pay a progressive NYC personal income tax on their NY taxable income, with rates ranging from about 3.078% to 3.876% for 2026. It is withheld from your paycheck if your employer is in the city, and you file a separate NYC return with your New York State return. The NYC Local Income Tax Calculator shows the exact amount and your combined state and city take-home.