Fintech Software Engineer.
New York.
$198,000
median salary, 28% above the national average
$155,000 to $259,000. Last updated April 2026.
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Data points to own the conversation.
Here is what Fintech Software Engineers actually make in New York: $155,000 at the 25th percentile, $198,000 at the median, and $259,000 at the 75th. That is 28% above the national average. New York City remains one of the world's largest and most diverse job markets, with unmatched density in finance, media, and technology. The number on your offer letter will depend on what you bring and how you ask.
Salary range
Where do you fall?
Salary by experience
The gap between entry and lead level is typically $178,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$129,000
to $158,000
Mid (3-5 yrs)
$168,000
to $208,000
Senior (6-9 yrs)
$218,000
to $257,000
Lead (10+ yrs)
$248,000
to $307,000
Salary trend
+5% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $59,000 to the total package.
Base
$198,000
Equity
$34,000
Bonus
$21,000
Signing
$4,000
Estimated total: $257,000
How New York compares
New York, NY
$198,000
Cost of living: 28% above average
National Average
$155,000
New York is $43,000 above
Fintech Software Engineer salary by city
Salary by role in New York
What you should know
New York City remains one of the world's largest and most diverse job markets, with unmatched density in finance, media, and technology. The city's tech sector has grown rapidly, rivaling the Bay Area for venture funding and startup activity. Remote work has reshaped demand slightly, but employers still pay premiums for in office presence in Manhattan. That is the backdrop for every Fintech Software Engineer offer you will see here.
One thing people overlook: taxes. New York State income tax rates reach 10.9%, and New York City adds a local income tax up to 3.876%. Combined with federal taxes, your effective rate can be among the highest nationally. The salary on the offer letter is not the salary in your bank account. Always model your take home before you accept.
On negotiation: Emphasize your willingness to work from the office in Manhattan. Many NYC employers pay 10 to 15% more for in person roles compared to remote positions. The range for Fintech Software Engineers in New York runs from $155,000 to $259,000. That is not a narrow window. Where you land inside it depends almost entirely on whether you negotiate and how well you prepare.
Sources: SEC filings, H-1B LCA (DOL), BLS OES, 50+ job posting platforms. COL: BEA Regional Price Parities (2025). Data verified by Justin Bartak, Founder & Chief AI Officer. Last verified April 8, 2026. Full methodology
Considering a related role?
- A Voice AI Designer in New York earns $197,000 (1% less)
- The highest-paying role in New York is Principal Quantitative Researcher at $452,000
Common questions.
Fintech Software Engineer salary in other cities
Other salaries in New York
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