New Jersey Paycheck Calculator 2026
Enter your pay and your NJ-W4 details to see what lands in your bank account. New Jersey withholds income tax from rate tables that run from 1.5% to 11.8%, and three state insurance programs come out too - we show each one.
How much does New Jersey take out for taxes? On a $60,000 salary paid every two weeks (single, standard W-4), New Jersey takes $97.00 of each $2,307.69 paycheck - 4.2% of pay, including NJ unemployment & workforce (UI/WF/SWF) and NJ disability insurance (TDI) and NJ family leave insurance (FLI). With federal income tax ($193.08) and Social Security and Medicare ($176.54), $466.62 comes out in all - 20.2% - and you keep $1,841.07.
= $921.78 a week · $3,994.38 a month · $47,932.60 a year
Gross pay$2,307.69$60,000.00
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−$193.08−$5,020.00
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 · $2,307.69 × 26 paychecks | $60,000.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $51,400.00 |
| Tax from the IRS yearly table · standard table | $5,020.00 |
| Federal income tax per paycheck · divided by 26 | $193.08 |
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: $51,400.00, 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% × ($51,400.00 − $19,900.00) = $5,020.00
Source: IRS Publication 15-T (2026) · checked Sep 21, 2026
Social Security (6.2%)−$143.08−$3,720.00
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%)−$33.46−$870.00
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−$77.50−$2,015.00
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 | $2,307.69 |
| New Jersey taxable pay, for the year · 2307.69 × 26 | $60,000.00 |
| Yearly pay for the rate table | $60,000.00 |
| Yearly tax from Rate A table · Rate A: single filing status | $2,015.00 |
| New Jersey income tax this paycheck · ÷ 26, rounded to the cent | $77.50 |
New Jersey taxable pay for the year: $60,000.00, 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% × ($60,000.00 − $40,000.00) = $2,015.00
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−$9.81−$190.40
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%−$4.38−$114.00
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%−$5.31−$138.00
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
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 the "New Jersey income tax" line in the result to see each step.
What's different about New Jersey
Your health premiums don't lower your New Jersey tax
New Jersey leaves a traditional 401(k) out of taxable pay, up to the federal limit. But pre-tax health insurance, flexible spending accounts and other section 125 salary reductions are still taxed in New Jersey, even though they lower your federal tax. What you put into retirement plans other than a 401(k) is taxed in New Jersey in the year you put it in. The calculator treats the retirement box as a 401(k).
The NJ-W4 and the five rate tables
On the NJ-W4 you pick a filing status. If you check Single or Married/Civil Union Partner Separate, your employer uses Rate A. Any other status uses Rate B - unless you use the wage chart on the form and write a letter (A to E) on Line 3. The chart is meant for couples filing jointly, heads of household and surviving spouses whose combined pay is higher. Each allowance on Line 4 takes $1,000 off your yearly pay before the table is used. If you leave the rate table field above on its default, we use Rate A for single and Rate B for other federal filing statuses, with the allowances you enter.
Three insurance programs on your pay stub
UI, TDI and FLI are percentages of your pay, and they are charged on your 401(k) money and section 125 benefits too. Each has its own yearly wage limit, so the unemployment line stops much earlier in the year than the disability and family leave lines. Some employers run a private disability plan instead of the state plan; your TDI line could then be different.
Paydays and your last paycheck
New Jersey employers must pay you at least twice a month, on regular paydays set in advance (some executive and supervisory staff can be paid monthly). When you leave a job - whether you quit or were let go - your final wages are due by the regular payday for the pay period in which your job ended.
Wage claims
If you weren't paid what you're owed, you can file a wage claim with the New Jersey Department of Labor online or by mail. The limit is 6 years for unpaid minimum wage, overtime and other wage complaints.
New Jersey salary after tax
Each answer is worked out by the same calculator as above, for a single filer paid every two weeks with a standard W-4 and no 401(k) or benefits. Jump to: $35,000 · $45,000 · $55,000 · $60,000 · $65,000 · $75,000 · $80,000 · $90,000 · $100,000 · $120,000 · $150,000
How much is $35,000 a year after tax in New Jersey?
About $29,407 a year - $1,131.02 every two weeks, or about $2,451 a month. That's after $2,020 of federal income tax, $2,678 of Social Security and Medicare and $896 in New Jersey taxes; you keep 84%. Try $35,000 with your own W-4 and deductions.
How much is $45,000 a year after tax in New Jersey?
About $36,858 a year - $1,417.57 every two weeks, or about $3,072 a month. That's after $3,220 of federal income tax, $3,443 of Social Security and Medicare and $1,479 in New Jersey taxes; you keep 82%. Try $45,000 with your own W-4 and deductions.
How much is $55,000 a year after tax in New Jersey?
About $44,241 a year - $1,699.91 every two weeks, or about $3,687 a month. That's after $4,420 of federal income tax, $4,208 of Social Security and Medicare and $2,131 in New Jersey taxes; you keep 80%. Try $55,000 with your own W-4 and deductions.
How much is $60,000 a year after tax in New Jersey?
About $47,933 a year - $1,841.07 every two weeks, or about $3,994 a month. That's after $5,020 of federal income tax, $4,590 of Social Security and Medicare and $2,457 in New Jersey taxes; you keep 80%. Try $60,000 with your own W-4 and deductions.
How much is $65,000 a year after tax in New Jersey?
About $51,624 a year - $1,982.25 every two weeks, or about $4,302 a month. That's after $5,620 of federal income tax, $4,973 of Social Security and Medicare and $2,783 in New Jersey taxes; you keep 79%. Try $65,000 with your own W-4 and deductions.
How much is $75,000 a year after tax in New Jersey?
About $58,157 a year - $2,231.88 every two weeks, or about $4,846 a month. That's after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $3,435 in New Jersey taxes; you keep 78%. Try $75,000 with your own W-4 and deductions.
How much is $80,000 a year after tax in New Jersey?
About $61,304 a year - $2,352.06 every two weeks, or about $5,109 a month. That's after $8,770 of federal income tax, $6,120 of Social Security and Medicare and $3,806 in New Jersey taxes; you keep 77%. Try $80,000 with your own W-4 and deductions.
How much is $90,000 a year after tax in New Jersey?
About $67,597 a year - $2,592.48 every two weeks, or about $5,633 a month. That's after $10,970 of federal income tax, $6,885 of Social Security and Medicare and $4,548 in New Jersey taxes; you keep 75%. Try $90,000 with your own W-4 and deductions.
How much is $100,000 a year after tax in New Jersey?
About $73,890 a year - $2,832.87 every two weeks, or about $6,157 a month. That's after $13,170 of federal income tax, $7,650 of Social Security and Medicare and $5,290 in New Jersey taxes; you keep 74%. Try $100,000 with your own W-4 and deductions.
How much is $120,000 a year after tax in New Jersey?
About $86,476 a year - $3,313.68 every two weeks, or about $7,206 a month. That's after $17,570 of federal income tax, $9,180 of Social Security and Medicare and $6,775 in New Jersey taxes; you keep 72%. Try $120,000 with your own W-4 and deductions.
How much is $150,000 a year after tax in New Jersey?
About $104,790 a year - $4,013.21 every two weeks, or about $8,733 a month. That's after $24,734 of federal income tax, $11,475 of Social Security and Medicare and $9,001 in New Jersey taxes; you keep 70%. Try $150,000 with your own W-4 and deductions.
New Jersey vs neighboring states
Take-home pay on a $60,000 salary, single filer paid every two weeks with a standard W-4. "State taxes" counts state and local income tax withheld (with each calculator's default choices) plus any employee-paid state payroll premium; federal tax, Social Security and Medicare are the same everywhere.
| State | State taxes | Take-home | vs here |
|---|---|---|---|
| Pennsylvania | $1,884 | $48,506 | +$573 |
| New Jersey | $2,457 | $47,933 | - |
| Delaware | $2,893 | $47,497 | −$436 |
| New York | $2,966 | $47,424 | −$508 |
Local income taxes (city, county or school district) aren't included for New York, Pennsylvania and Delaware - enter your rate on the state's calculator.
Where you live and where you work can both matter when the two states differ - check each state's page.
Moving? New Jersey vs New York taxes · New Jersey vs Pennsylvania taxes · Florida vs New Jersey taxes · Salary needed to move
What changed for 2026
New Jersey's withholding tables didn't change for 2026, but the insurance rates, wage limits and minimum wage did.
- New federal withholding tables. The IRS updated Publication 15-T for 2026, including changes from the 2025 tax law. The standard deduction is $16,100 single, $32,200 married filing jointly, and $24,150 head of household.
- Social Security wage base: $184,500 (up from $176,100). If you earn more, Social Security stops later in the year.
- Tips and overtime deductions for 2025–2028 - see below.
- TDI: 0.19% (down from 0.23%), and FLI: 0.23% (down from 0.33%), on wages up to $171,100 (up from $165,400).
- Unemployment and workforce funds: still 0.425%, on wages up to $44,800 (up from $43,300).
- Minimum wage: $15.92 from January 1, 2026 (up from $15.49); tipped cash wage $6.05 (up from $5.62).
Why your paycheck might differ from this
- Your W-4. Credits for children (Step 3), a checked Step 2 box, or extra withholding (Step 4c) change the federal amount a lot. Open "Tips, 401(k), health insurance and W-4 details" above to enter them.
- Benefits taken before tax. Health insurance through work usually lowers income tax and Social Security and Medicare. A traditional 401(k) lowers income tax only.
- Rounding. Payroll software may round each step, so a few cents of difference is normal.
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.
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
Other states: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
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
How much does New Jersey take out for taxes?
On a $60,000 salary paid every two weeks (single, standard W-4), New Jersey takes $97.00 of each $2,307.69 paycheck - 4.2% of pay, including NJ unemployment & workforce (UI/WF/SWF) and NJ disability insurance (TDI) and NJ family leave insurance (FLI). With federal income tax ($193.08) and Social Security and Medicare ($176.54), $466.62 comes out in all - 20.2% - and you keep $1,841.07.
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.
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.