PAY. KNOWS YOUR PAYCHECK BETTER THAN YOUR EMPLOYER
NYC is the only city in America where five separate tax authorities take a cut of your salary. Pay. calculates every layer instantly, offline, with 2026 official tax tables.
FIVE-LAYER TAX BREAKDOWN Federal income tax, FICA, NY State, NYC local tax, and SDI & PFL — calculated separately and combined into one clear number. See exactly where every dollar goes.
NYC VS. SUBURBS COMPARISON Thinking of moving to New Jersey, Westchester, or Long Island? See the exact annual and monthly tax savings of dropping the NYC resident surcharge without changing your job.
PROMOTION CALCULATOR Got an offer? Enter your new salary and see how much of the raise you actually keep after taxes. The real number — not the headline number.
PRE-TAX DEDUCTIONS Model your 401(k), HSA, and other pre-tax contributions to see how they reduce your taxable income across all five layers simultaneously.
2026 TAX TABLES Built on IRS Rev.Proc. 2025-32, NYS Pub. NYS-50-T-NYS(1/26), and NYC Finance IT-201 instructions. Updated for the One Big Beautiful Budget Act brackets.
100% OFFLINE No account. No server. No data ever leaves your device. Your salary stays private.
DISCLAIMER Pay. provides estimates for informational purposes only based on publicly available tax data. Results do not constitute tax, legal, or financial advice. Consult a qualified CPA for your specific situation.
