New York Paystub Generator

A single paycheck written in Brooklyn can carry three income tax lines at the same time: federal, New York State and New York City resident tax. Move the same employee to Yonkers and a fourth line appears. Most stub tools give you one box marked “state tax” and stop there, which is exactly how New York payroll stubs end up missing a jurisdiction.

This New York paystub generator is built around that stack. Tell it where the employee lives and where the work is performed and it prints each layer on its own row with its own year to date column, alongside the Paid Family Leave contribution that belongs on a distinct deduction line rather than folded into a catch-all. Preview on screen, correct anything, then download the PDF.

Three Tax Layers on One New York Paystub

New York is unusual because the local layer is not one thing. It is two different taxes with two different triggers and one of them follows the employee home while the other follows the work.

The withholding stack a New York pay stub shows

Each row routes to a different authority and the state row is the one governed by New York State income tax brackets and rates.

Why a Nassau commuter owes no New York City tax

The dividing line that trips employers: the Department of Taxation and Finance states plainly that nonresidents of New York City are not liable for city personal income tax. A Nassau County resident who commutes to a Midtown office owes New York State tax on those wages and no city tax at all.

Yonkers taxes residents and commuters differently

Resident surcharge, 16.75% of net state tax

For a Yonkers resident, Publication NYS-50-T-Y builds the surcharge on net New York State tax rather than on gross wages. It prints as YNK RES with its own year to date column.

Nonresident earnings tax, 0.50% of Yonkers wages

Yonkers works the opposite way from New York City for nonresidents, because its earnings tax reaches wages earned inside the city regardless of where the worker sleeps. The rate is 0.50% of those earnings, labeled YNK NR.

Set Residence and Work City First

Every downstream number depends on two location fields, so when you start a paystub the generator asks for them before anything else.

Copy the withholding certificate the employee filed

Form IT-2104, withholding allowance certificate

The Employee’s Withholding Allowance Certificate is where an employee declares New York State, New York City and Yonkers withholding status. If your worker filed one, copy the jurisdiction boxes across before you touch gross pay.

Form IT-2104.1, certificate of nonresidence

The Certificate of Nonresidence and Allocation of Withholding Tax is the form a nonresident uses to certify that city withholding should not apply and to allocate wages. Keep it on file. It is the document that explains a missing NYC RES line if anyone ever asks.

Work address is a separate field from home

An employee living in New Rochelle who works at a warehouse inside Yonkers city limits needs the nonresident earnings line and no resident surcharge. Reverse those fields and the stub is wrong in both directions.

Paid Family Leave Gets Its Own Deduction Line

New York funds Paid Family Leave through an employee payroll contribution, which is why it appears as a deduction and not as an employer cost buried in overhead.

What is the 2026 New York PFL rate?

For 2026 the Workers’ Compensation Board set the contribution at 0.432% of gross wages per pay period, capped at $411.91 for the year. The rate is applied against the New York State Average Weekly Wage of $1,833.63 and the maximum weekly benefit is $1,228.53.

How disability benefits differ from PFL

Statutory disability benefits under the Disability Benefits Law are separate money. An employer may deduct one half of one percent of wages toward that coverage, but no more than 60 cents a week. Two deductions, two programs, two lines.

When the PFL line stops for the year

The generator keeps the programs apart and stops PFL once the annual cap is reached, which matters above roughly $95,000 a year.

Worked Example: A Regular Biweekly Paycheck

Here is a full biweekly stub for an employee earning $39.00 an hour, with 80 regular hours and no overtime for the period.

This employee lives outside New York City and Yonkers, so the statement carries state withholding, SDI and PFL only, with no city or Yonkers line. Federal withholding depends on the employee's W-4, so treat that line as illustrative.

Worked Example: a $6,000 Bonus in Yonkers

Supplemental wages paid separately from regular pay show all three layers at once, because each authority publishes a flat rate for them. Take a $6,000 bonus paid in 2026 to a warehouse supervisor who lives in Yonkers, has already been paid this week and sits well below the Social Security wage base of $184,500.

Supplemental rates, line by line

Total withheld is $2,624.51. For a regular payroll run, estimate New York take home pay before you build the stub.

Why the Yonkers line lands on 1.95975%

That figure is not a percentage of the bonus in any direct sense but a surcharge sitting on the state tax, which is why 1.95975% is what 16.75% of the state supplemental rate works out to.

Two edits that rewrite the same document

Change one field and the arithmetic above stops applying.

Move the address to Astoria, Queens

The $117.59 disappears, replaced by a New York City resident line at the city’s own 4.25% supplemental rate. Same gross, different document.

Cross $200,000 in year to date wages

If the same worker earns above $200,000 in the calendar year, a 0.9% Additional Medicare Tax line appears on later stubs as well. That is a federal line, employee only, with no employer match.

Where Each Check Stub Line Sends the Money

The mapping below is the part a generic tool cannot do for New York, because the same dollar routes to three different treasuries depending on two address fields.

Field, printed label and receiving authority

The tip allowance row is a disclosure, not a tax

Allowances claimed toward the minimum wage must be itemized on the statement, a rule set by the New York wage statement requirements under Labor Law 195(3) and not by any tax publication.

Who in New York Builds a Payroll Stub

Employers running weekly hourly crews

• Home care and staffing agencies in the Bronx and Queens, where payroll runs weekly and the statement must show a regular rate, an overtime rate and both hour counts.
• Long Island landscaping, roofing and construction outfits in Nassau and Suffolk, paying laborers weekly and needing a printable record per crew member.
• Restaurants across the Hudson Valley and the Capital Region taking a tip credit, where the cash wage and the credit both have to appear.

Household employers and owner operators

• Westchester household employers paying a nanny or home aide on the books, with no payroll department and one clean document needed per pay date.
• Freelancers and single member LLCs in Brooklyn’s production and design trades who pay themselves and want a consistent monthly payroll stub.

Payrolls that straddle the Yonkers city line

Yonkers and Mount Vernon employers whose staff cross that boundary need two local treatments on one payroll.

Errors That Show Up on New York Paycheck Stubs

Local tax charged to the wrong person

City tax withheld from a commuter

Withholding NYC resident tax from someone who lives in Hempstead or Stamford. City tax follows residence, not the office.

A missing Yonkers nonresident line

Employers routinely handle the resident surcharge and forget the 0.50% earnings tax on nonresidents working in Yonkers.

Employer taxes pushed into the deduction column

The MTA payroll tax taken from a worker

The metropolitan commuter transportation mobility tax is imposed on employer payroll expense in the MCTD: Zone 1 (New York, Bronx, Kings, Queens, Richmond) and Zone 2 (Rockland, Nassau, Suffolk, Orange, Putnam, Dutchess, Westchester). Employers below $312,500 of quarterly MCTD payroll expense owe nothing. It never belongs in the employee deduction column.

Unemployment insurance shown as a deduction

New York UI contributions are charged to the employer account; employees do not fund it.

Lines that print but cannot be checked

PFL swept into misc or other

It is a named statutory contribution with a published rate and cap. Give it a labeled row.

One hours figure where New York wants four

For a non exempt employee New York wants the regular rate, the overtime rate, regular hours and overtime hours as four values.

Using This New York Paystub Tool Honestly

This generator exists to turn payroll numbers you already have into a document that is readable and complete. Enter hours that were actually worked, rates that were actually agreed and deductions that were actually taken. A stub produced here is a record of a payment, not a substitute for making one. If you are an employee and your stub is missing a jurisdiction or a rate, the fix is to ask your employer for a corrected statement or contact the New York State Department of Labor, not to reissue the document yourself.