New Jersey Hourly Paycheck Calculator
Your hourly rate and hours in, your take-home pay out. Overtime is paid at 1.5× your rate; tips you report are taxed like wages.
| Per paycheck | Amount | Per year |
|---|---|---|
| Gross pay | $1,600.00 | $41,600.00 |
| Federal income tax · withheld | −$108.15 | −$2,812.00 |
| Social Security (6.2%) | −$99.20 | −$2,579.20 |
| Medicare (1.45%) | −$23.20 | −$603.20 |
| New Jersey income tax · withheld | −$34.33 | −$892.58 |
| NJ unemployment & workforce (UI/WF/SWF) · 0.3825% UI + 0.0425% WF/SWF | −$6.80 | −$176.80 |
| NJ disability insurance (TDI) · 0.19% | −$3.04 | −$79.04 |
| NJ family leave insurance (FLI) · 0.23% | −$3.68 | −$95.68 |
| Take-home pay | $1,321.60 | $34,361.50 |
How the federal income tax was worked out
| Pay subject to income tax, for the year · $1,600.00 × 26 paychecks | $41,600.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $33,000.00 |
| Tax from the IRS yearly table · standard table | $2,812.00 |
| Federal income tax per paycheck · divided by 26 | $108.15 |
IRS Publication 15-T (2026), Worksheet 1A — the percentage method payroll software uses for a Form W-4 from 2020 or later. Your employer's figure can differ by a few cents because of rounding.
How the New Jersey income tax was worked out
| Gross pay this paycheck | $1,600.00 |
| New Jersey taxable pay, for the year · 1600.00 × 26 | $41,600.00 |
| Yearly pay for the rate table | $41,600.00 |
| Yearly tax from Rate A table · Rate A: single filing status | $892.60 |
| New Jersey income tax this paycheck · ÷ 26, rounded to the cent | $34.33 |
Hourly pay in New Jersey
New Jersey's minimum wage is $15.92 an hour for most workers in 2026. Seasonal employers and employers with fewer than six employees pay at least $15.23, and farm workers paid by the hour or piece at least $14.20.
Tipped workers. The cash wage can be as low as $6.05 an hour, with a tip credit of up to $9.87. Your cash wage plus tips must reach $15.92 an hour, or your employer makes up the difference.
Overtime. Time-and-a-half for hours over 40 in a seven-day workweek. New Jersey has no daily overtime, and you can't agree to give it up.
Extra hours raise every state line. The income tax, UI, TDI and FLI are all based on your pay, so overtime and extra shifts raise them too.
Because hours change from week to week, your withholding changes too: a week with lots of overtime is withheld as if you earned that much every week, so more comes out. It usually evens out when you file your return.
What comes out of a New Jersey paycheck
- Federal income tax withholding — worked out from your pay and your Form W-4, using the IRS tables for 2026.
- Social Security — 6.2% of your pay, up to $184,500 of pay in 2026. Above that, it stops for the rest of the year.
- Medicare — 1.45% of all your pay, plus 0.9% on pay above $200,000 in the year.
A New Jersey paycheck usually has four state lines:
- New Jersey income tax, withheld from the Division of Taxation's rate tables (A to E). Rates on each slice of pay run from 1.5% to 11.8%.
- Unemployment and workforce funds (UI/WF/SWF): 0.425% of your wages — 0.3825% for unemployment insurance plus 0.0425% for the workforce funds. It stops once your pay for the year passes $44,800, so the most you pay in 2026 is $190.40.
- Temporary Disability Insurance (TDI): 0.19% of your wages ($1.90 per $1,000), up to $171,100 of pay — at most $325.09 for the year.
- Family Leave Insurance (FLI): 0.23% of your wages ($2.30 per $1,000), up to the same $171,100 — at most $393.53.
Here is how the income tax is worked out. Your employer takes your pay for the year, subtracts $1,000 for each allowance on your NJ-W4, and looks up the tax in your rate table. The yearly tax is split across your paychecks. Open "How the New Jersey income tax was worked out" under the result to see each step.
Tips and overtime in 2026
New federal deductions apply for 2025 through 2028: up to $25,000 for qualified tips, and up to $12,500 ($25,000 for joint filers) for the extra "half" of time-and-a-half overtime. Both phase out above $150,000 of income ($300,000 joint).
These are deductions on your tax return. Your employer still takes Social Security and Medicare out of tips and overtime, and still withholds income tax unless you tell it otherwise. If you expect to claim them, you can put the expected amount in Step 4(b) of your W-4 (and in the Step 4(b) box above) so less income tax is withheld during the year.
Other New Jersey calculators
Paycheck calculator · Hourly paycheck calculator · Salary paycheck calculator · What changed for 2026
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Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — Worksheet 1A and the annual percentage-method tables
- IRS Publication 15 (2026), Employer's Tax Guide — Social Security and Medicare rates
- Social Security Administration — 2026 wage base of $184,500
- IRS — tips and overtime deductions
- N.J. Division of Taxation — New Jersey Withholding Rate Tables (percentage method, paid on and after October 1, 2020) — Rate A–E annual and per-period tables; 1.5% to 11.8%
- N.J. Division of Taxation — NJ-WT, New Jersey Income Tax Withholding Instructions (rev. September 2025) — Rate A for Single / Married Separate, Rate B otherwise; allowance $1,000 a year; 401(k) excluded up to the federal limit; cafeteria-plan amounts taxable
- N.J. Division of Taxation — Form NJ-W4 (1-21) — filing status, rate table letter (wage chart), allowances
- N.J. Division of Taxation — TB-39(R), Cafeteria Plans — salary-reduction cafeteria plans (premium conversion, FSAs) are not excluded from New Jersey wages
- N.J. Department of Labor — Rate information, contributions and due dates — 2026 worker rates: UI 0.3825%, WF/SWF 0.0425% on $44,800; TDI 0.19%, FLI 0.23% on $171,100
- N.J. Department of Labor — Division of Temporary Disability and Family Leave Insurance: information for employers — 2026: TDI 0.19% (max $325.09), FLI 0.23% (max $393.53) on the first $171,100
- N.J. Department of Labor — New benefit rates for 2026 — wage bases $44,800 (UI) and $171,100 (TDI/FLI) for 2026
- N.J. Department of Labor — Employer handbook: taxes and wage reporting — 401(k) and cafeteria-plan amounts are wages for contributions
- N.J. Department of Labor — Minimum wage to increase to $15.92/hour on Jan. 1 (2026) — $15.92 most employees (up $0.43); $15.23 seasonal and small employers; $14.20 farm; $6.05 tipped cash wage, $9.87 max tip credit
- N.J. Department of Labor — Wage and hour FAQs for workers — overtime after 40 hours in a week; paid at least twice a month; final pay on the regular payday for the period; six-year limit on wage claims; $6.05 tipped cash wage
- N.J. Department of Labor — Employers' guide to minimum wage and overtime (MW-91, 1/26) — $15.92; time-and-a-half over 40 hours a week; paid at least twice a month
Questions
What are UI, TDI and FLI on my New Jersey pay stub?
State insurance programs paid partly by you: unemployment and workforce funds (0.425%), Temporary Disability Insurance (0.19%) and Family Leave Insurance (0.23%). Each stops at its yearly wage limit.
How much is taken out of a $1,000 paycheck in New Jersey?
For a single filer paid every two weeks with nothing else on the W-4, a $1,000 paycheck has about $38.08 of federal income tax, $62.00 of Social Security and $14.50 of Medicare taken out, $16.15 of New Jersey income tax, leaving $860.82. Enter your own details in the calculator for your exact figure.
What is $20 an hour after taxes in New Jersey?
Working 40 hours a week and paid every two weeks, $20 an hour is $1,600.00 before tax and about $1,321.60 after tax per paycheck — $34,361.50 a year — for a single filer with a standard W-4.
Which NJ-W4 rate table am I on?
Rate A if you checked Single or Married/Civil Union Partner Separate; Rate B for any other status, unless you wrote a different letter on Line 3 using the wage chart.
Does my 401(k) lower my New Jersey tax?
Yes, up to the federal limit. Pre-tax health insurance and flexible spending accounts through a section 125 plan don't — New Jersey still taxes that pay.
What is the minimum wage in New Jersey in 2026?
$15.92 an hour for most workers, $15.23 at seasonal and small employers, and a $6.05 cash wage for tipped workers if tips make up the rest.
When do I get my last paycheck in New Jersey?
By the regular payday for the pay period in which you left, whether you quit or were let go.