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.
= $660.80 a week · $2,863.46 a month · $34,361.50 a year
Gross pay$1,600.00$41,600.00
Your pay before anything is taken out: yearly pay divided by the 26 paychecks in a year (hourly pay is a week's pay × 52, spread the same way).
Federal income tax · withheld−$108.15−$2,812.00
Worked out from your pay and your Form W-4 with the IRS percentage method (Worksheet 1A): yearly pay, minus the allowance for your filing status, into the 2026 annual table, minus W-4 credits, divided by paychecks. Each line, for this paycheck:
| 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.
Adjusted yearly wage: $33,000.00, so this row applies:
| Over | Not over | Base tax | + rate |
|---|---|---|---|
| $0 | $7,500 | $0.00 | 0% |
| $7,500 | $19,900 | $0.00 | 10% |
| $19,900 | $57,900 | $1,240.00 | 12% Your row |
| $57,900 | $113,200 | $5,800.00 | 22% |
| $113,200 | $209,275 | $17,966.00 | 24% |
| $209,275 | $263,725 | $41,024.00 | 32% |
| $263,725 | $648,100 | $58,448.00 | 35% |
| $648,100 | - | $192,979.25 | 37% |
$1,240.00 + 12% × ($33,000.00 − $19,900.00) = $2,812.00
Source: IRS Publication 15-T (2026) · checked Sep 21, 2026
Social Security (6.2%)−$99.20−$2,579.20
6.2% of your pay (after pre-tax benefits, not after 401(k)) up to $184,500 of pay in 2026. Once your pay for the year passes that, it stops until January. Stubs often call it OASDI or FICA.
Source: Social Security Administration - 2026 wage base · checked Sep 21, 2026
Medicare (1.45%)−$23.20−$603.20
1.45% of all your pay, with no yearly limit, plus 0.9% Additional Medicare on pay above $200,000 in the year.
Source: IRS Publication 15 (2026) · checked Sep 21, 2026
New Jersey income tax · withheld−$34.33−$892.58
1.5% to 11.8% withholding tables (A–E). Worked out with New Jersey's official 2026 withholding tables, step by step:
| 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 |
New Jersey taxable pay for the year: $41,600.00, so this row applies:
| Over | Not over | Base tax | + rate |
|---|---|---|---|
| $0 | $20,000 | $0.00 | 1.5% |
| $20,000 | $35,000 | $300.00 | 2% |
| $35,000 | $40,000 | $600.00 | 3.9% |
| $40,000 | $75,000 | $795.00 | 6.1% Your row |
| $75,000 | $500,000 | $2,930.00 | 7% |
| $500,000 | $1,000,000 | $32,680.00 | 9.9% |
| $1,000,000 | - | $82,180.00 | 11.8% |
$795.00 + 6.1% × ($41,600.00 − $40,000.00) = $892.60
Source: N.J. Division of Taxation - New Jersey Withholding Rate Tables (percentage method, paid on and after October 1, 2020) · checked Oct 16, 2026
NJ unemployment & workforce (UI/WF/SWF) · 0.3825% UI + 0.0425% WF/SWF−$6.80−$176.80
NJ unemployment & workforce (UI/WF/SWF): an employee-paid New Jersey payroll program, taken as a share of your pay (0.3825% UI + 0.0425% WF/SWF).
Source: N.J. Division of Taxation - New Jersey Withholding Rate Tables (percentage method, paid on and after October 1, 2020) · checked Oct 16, 2026
NJ disability insurance (TDI) · 0.19%−$3.04−$79.04
NJ disability insurance (TDI): an employee-paid New Jersey payroll program, taken as a share of your pay (0.19%).
Source: N.J. Division of Taxation - New Jersey Withholding Rate Tables (percentage method, paid on and after October 1, 2020) · checked Oct 16, 2026
NJ family leave insurance (FLI) · 0.23%−$3.68−$95.68
NJ family leave insurance (FLI): an employee-paid New Jersey payroll program, taken as a share of your pay (0.23%).
Source: N.J. Division of Taxation - New Jersey Withholding Rate Tables (percentage method, paid on and after October 1, 2020) · checked Oct 16, 2026
Built by Ashish Hirpara · figures from IRS and state publications · sources · corrections
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.
Minimum wage after taxes in New Jersey
At New Jersey's minimum wage of $15.92 an hour (since January 1, 2026), a full-time worker takes home about $1,074.79 every two weeks - $27,945 a year, or $13.43 for each hour worked after tax. It rises to $16.48 on January 1, 2027 ($6.61 cash wage for tipped workers); see what each state's raise adds after tax.
| Minimum wage, $15.92/hour | Gross per paycheck | Take-home per paycheck | Take-home a year | After tax per hour |
|---|---|---|---|---|
| 40 hours a week | $1,273.60 | $1,074.79 | $27,945 | $13.43 |
| 30 hours a week | $955.20 | $825.20 | $21,455 | $13.75 |
| 20 hours a week | $636.80 | $571.40 | $14,856 | $14.28 |
Paid every two weeks, single filer, standard W-4, no benefits. Tipped workers can be paid $6.05 an hour in cash if tips bring them to the full minimum; their tax depends on the tips they report. Every state's figures: minimum wage after taxes by state.
Take-home at common hourly rates in New Jersey
Full time (40 hours a week), paid every two weeks, single filer with a standard W-4 and no benefits. The last column is what you keep for each hour worked.
| Hourly rate | Take-home per paycheck | Take-home a year | Kept per hour |
|---|---|---|---|
| $15 | $1,017.76 | $26,462 | $12.72 |
| $15.92 (minimum wage) | $1,074.79 | $27,945 | $13.43 |
| $18 | $1,201.98 | $31,251 | $15.02 |
| $20 | $1,321.60 | $34,362 | $16.52 |
| $22 | $1,439.05 | $37,419 | $17.99 |
| $25 | $1,615.22 | $42,026 | $20.19 |
| $30 | $1,908.84 | $49,705 | $23.86 |
Part time and overtime at $20 an hour in New Jersey
Every two weeks, single filer, standard W-4. Overtime is paid at 1.5 times the rate. More hours mean a larger share is withheld, because withholding is worked out as if each paycheck were repeated all year.
| Hours a week | Gross per paycheck | Take-home per paycheck | Kept |
|---|---|---|---|
| 20 hours | $800.00 | $701.81 | 88% |
| 30 hours | $1,200.00 | $1,017.76 | 85% |
| 40 hours | $1,600.00 | $1,321.60 | 83% |
| 40 hours + 5 overtime | $1,900.00 | $1,541.82 | 81% |
| 40 hours + 10 overtime | $2,200.00 | $1,762.03 | 80% |
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.
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.
Every line that comes out of a New Jersey paycheck, with its official source, is set out on the New Jersey paycheck calculator.
More for New Jersey
Paycheck calculator · Hourly · Salary · Bonus tax · Rent you can afford · Employer payroll taxes · NJ SDI and FLI explained
Other tools: What changed for 2026 · Hourly to salary · Salary to hourly · Overtime · Raise · Net to gross · Compare two states · All state tax rates · How New Jersey ranks on $75,000 · Pay stub checker · W-4 guide
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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; supplemental wages (bonuses, commissions, overtime): paid with regular wages, withhold on the combined payment; paid separately, withhold without any NJ-W4 allowances; no flat rate
- 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 - benefits 85% of the average weekly wage up to $1,119 a week in 2026; FLI up to 12 consecutive weeks or 56 separate days; base year 20 weeks at $310+ or $15,500 total (rev. 07/17/2026); 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 is minimum wage after taxes in New Jersey?
At $15.92 an hour for 40 hours a week, about $1,074.79 every two weeks and $27,945 a year after federal and state taxes, Social Security and Medicare (single filer, standard W-4).
What is $15 an hour after taxes in New Jersey?
Working 40 hours a week and paid every two weeks, $15 an hour is $1,200.00 before tax and about $1,017.76 after tax per paycheck - $26,462 a year - for a single filer with a standard W-4.
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 - $34,362 a year - for a single filer with a standard W-4.
What is $25 an hour after taxes in New Jersey?
Working 40 hours a week and paid every two weeks, $25 an hour is $2,000.00 before tax and about $1,615.22 after tax per paycheck - $42,026 a year - for a single filer with a standard W-4.
How much does 5 hours of overtime a week add at $20 an hour in New Jersey?
Five overtime hours at $30 add $300.00 of gross pay to each two-week paycheck, and about $220.22 after tax (single filer, standard W-4).