How to use the New Jersey paycheck calculator
- Enter your pay. Choose Salary or Hourly, type the amount, and pick how often you are paid.
- Copy your Form W-4. Select your filing status and fill in Steps 2, 3 and 4 the way they are on the federal form your employer has.
- Copy your Form NJ-W4. Pick the rate table on line 3 of your Form NJ-W4, enter the allowances on line 4 and any extra amount on line 5. If line 3 is empty, leave the table on "By filing status".
What is the New Jersey paycheck calculator?
The New Jersey paycheck calculator is a tool that turns gross pay into take-home pay for someone who works in New Jersey. New Jersey taxes wages at graduated rates from 1.4% to 10.75%, and employees also pay three payroll contributions: unemployment and workforce, disability insurance and family leave insurance. Withholding uses five rate tables, A to E, and the employee picks one on Form NJ-W4.
The federal lines use the 2026 method in IRS Publication 15-T. The New Jersey line follows the Division of Taxation's New Jersey percentage method (NJ-WT), step by step, and the working is shown under the result. To see how New Jersey compares with other states, see income tax by state.
Features
- New Jersey income tax withholding with the Division of Taxation's New Jersey percentage method (NJ-WT)
- Every line of Form NJ-W4, the New Jersey withholding form
- NJ unemployment and workforce (UI/WF) at 0.425% of wages up to $44,800
- NJ disability insurance (TDI) at 0.19% of wages up to $171,100
- NJ family leave insurance (FLI) at 0.23% of wages up to $171,100
- Salary and hourly pay, with overtime hours at a multiplier you set
- Weekly, biweekly, twice-a-month and monthly pay periods
- Federal income tax from the 2026 IRS percentage method tables and every step of Form W-4
- Social Security up to the $184,500 wage base, Medicare and Additional Medicare Tax
- The federal and the state working shown step by step
- A PDF report of your inputs and every result line, to save or share on WhatsApp
New Jersey paycheck taxes in 2026
| Tax or deduction | Rate | Set by |
|---|---|---|
| Federal income tax | 0% to 37% of the adjusted annual wage, by Form W-4 | Internal Revenue Service |
| Social Security | 6.2% of wages up to $184,500 | Social Security Administration and IRS |
| Medicare | 1.45% of all wages, plus 0.9% above $200,000 in the year | Internal Revenue Service |
| New Jersey income tax | 1.4% to 10.75% on the return; withheld at 1.5% to 11.8% through rate tables A to E | New Jersey Division of Taxation |
| NJ unemployment and workforce (UI/WF) | 0.425% of wages up to $44,800 | New Jersey Department of Labor and Workforce Development |
| NJ disability insurance (TDI) | 0.19% of wages up to $171,100 | New Jersey Department of Labor and Workforce Development |
| NJ family leave insurance (FLI) | 0.23% of wages up to $171,100 | New Jersey Department of Labor and Workforce Development |
| City or county income tax | None | New Jersey Legislature |
The withholding tables start at 1.5%, while the tax return rates start at 1.4%. Both are printed that way by the Division of Taxation; the difference evens out when you file.
New Jersey cities and counties do not tax wages. A local option income tax was proposed in 2002 and never adopted.
How New Jersey withholding is worked out
The NJ-WT booklet has wage-bracket tables and a percentage method. For each paycheck:
- Multiply the allowances on Form NJ-W4 by $1,000 a year ($19.20 a week, $38.40 every two weeks).
- Subtract that from the wages for the pay period.
- Apply the rate table chosen on line 3 of the NJ-W4. With line 3 empty, single filers use Table A and married filing jointly, head of household and qualifying widow(er) use Table B.
- Add any extra amount from line 5.
New Jersey does not follow the federal rules for every pre-tax deduction. A traditional 401(k) contribution, up to the federal limit, is left out of New Jersey wages. A health premium paid through a cafeteria plan is not: the Division of Taxation says the full salary stays subject to New Jersey tax. The calculator handles both ways.
A worked example
The booklet prints no example, so here is one. A single employee paid $2,500 every two weeks with one allowance: $2,500 × 26 = $65,000; minus $1,000 is $64,000; Table A gives $2,259.00 for the year; ÷ 26 is $86.88 a paycheck. With Table B the same paycheck has $49.15 withheld.
New Jersey Form NJ-W4
Form NJ-W4, the Employee's Withholding Allowance Certificate, is New Jersey's own form. Employers may not use the federal W-4 for New Jersey withholding.
| Line | What to enter | Effect on withholding |
|---|---|---|
| 2 | Filing status: single, married filing jointly, married filing separately, head of household or qualifying widow(er) | Picks Table A or B when line 3 is empty |
| 3 | A rate table letter, A to E, from the wage chart on the form | Couples who both work use it to avoid under-withholding |
| 4 | Total allowances | Each lowers yearly wages by $1,000 |
| 5 | An extra amount to withhold each pay period | Added to every paycheck |
| 6 | Exempt: only if income will be $10,000 or less ($20,000 for joint filers) | No New Jersey withholding; good for one year |
The five rate tables
| Table | Lowest rate | Rate from $75,000 to $80,000 | Top rate |
|---|---|---|---|
| A | 1.5% | 7% | 11.8% over $1,000,000 |
| B | 1.5% | 3.9% | 11.8% over $1,000,000 |
| C | 1.5% | 5.6% | 11.8% over $1,000,000 |
| D | 1.5% | 5.6% | 11.8% over $1,000,000 |
| E | 1.5% | 5.8% | 11.8% over $1,000,000 |
New Jersey take-home pay by salary
The table shows 2026 take-home pay in New Jersey for a single filer paid every two weeks, with one allowance on Form NJ-W4 and the rate table for the filing status, and no pre-tax deductions.
| Salary | Federal income tax | Social Security and Medicare | New Jersey income tax, UI/WF, disability and family leave | Take-home pay per year | Per paycheck (every two weeks) |
|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $733 | $25,552 | $982.76 |
| $50,000 | $3,820 | $3,825 | $1,744 | $40,611 | $1,561.12 |
| $75,000 | $7,670 | $5,738 | $3,375 | $58,218 | $2,234.22 |
| $100,000 | $13,170 | $7,650 | $5,220 | $73,960 | $2,835.56 |
| $103,556 | $13,952 | $7,922 | $5,484 | $76,197 | $2,921.06 |
| $150,000 | $24,734 | $11,475 | $8,930 | $104,861 | $4,015.91 |
The $103,556 row is New Jersey's median household income in the U.S. Census Bureau's 2020-2024 five-year American Community Survey. A single filer paid that salary takes home $76,197 a year, or $2,921.06 every two weeks, after $5,484 in New Jersey taxes.
New Jersey take-home pay by hourly wage
The table shows a 40-hour week for a single filer paid weekly, with one allowance on Form NJ-W4 and the rate table for the filing status. The first row is the New Jersey minimum wage of $15.92 an hour.
| Hourly wage | Gross pay per week (40 hours) | Federal taxes per week | New Jersey taxes per week | Take-home pay per week | Take-home pay per year |
|---|---|---|---|---|---|
| $15.92 | $636.80 | $83.20 | $15.81 | $537.79 | $27,965 |
| $18.00 | $720.00 | $99.56 | $18.71 | $601.73 | $31,290 |
| $20.00 | $800.00 | $115.28 | $22.75 | $661.97 | $34,423 |
| $25.00 | $1,000.00 | $154.58 | $36.64 | $808.78 | $42,087 |
| $30.00 | $1,200.00 | $193.88 | $50.53 | $955.59 | $49,766 |
| $40.00 | $1,600.00 | $304.59 | $79.56 | $1,215.85 | $63,387 |
At $15.92 an hour, a 40-hour week pays $636.80 before tax and $537.79 after federal and New Jersey taxes.
New Jersey disability and family leave on your paycheck
Temporary disability insurance (TDI) takes 0.19% and family leave insurance (FLI) 0.23% of wages in 2026, both on the first $171,100. The most an employee pays in the year is $325.09 for TDI and $393.53 for FLI.
Together with the 0.425% UI/WF contribution, these take 0.845% from wages up to $44,800, and 0.42% from wages between $44,800 and $171,100.
Living in Pennsylvania and working in New Jersey
New Jersey and Pennsylvania have a reciprocal agreement. A Pennsylvania resident who works in New Jersey gives the employer Form NJ-165, and no New Jersey tax is withheld; the employer withholds Pennsylvania tax instead. A New Jersey resident working in Pennsylvania is withheld for New Jersey.
New Jersey pay rules that shape your paycheck
These New Jersey rules decide how much is on a paycheck and when it arrives.
| Rule | What New Jersey law says | Source |
|---|---|---|
| Minimum wage | $15.92 an hour at most employers; $15.23 at seasonal employers and those with fewer than six employees | New Jersey Department of Labor and Workforce Development |
| Tipped employees | Cash wage of $6.05, with a tip credit of up to $9.87 | New Jersey Department of Labor and Workforce Development |
| Overtime | One and one-half times the regular rate after 40 hours in a workweek. No daily overtime. | New Jersey Department of Labor and Workforce Development |
| Paydays | At least twice a month | New Jersey Department of Labor and Workforce Development |
| Final paycheck | By the regular payday for the pay period in which employment ended, whether the employee quits or is fired | New Jersey Department of Labor and Workforce Development |
| Pay stub | A statement of deductions with each payment | New Jersey Department of Labor and Workforce Development |
| Earned sick leave | One hour per 30 hours worked, up to 40 hours a year | New Jersey Earned Sick Leave Law |
Employers must keep payroll and time records for six years. Unused sick or vacation time paid out is treated as supplemental wages for withholding.
Who pays unemployment tax in New Jersey?
New Jersey is one of the few states where employees pay unemployment tax too. In 2026 the employee pays 0.425% (0.3825% unemployment plus 0.0425% workforce development) on the first $44,800 of wages, which is the line called UI/WF above. Employers pay their own experience-rated contribution on the same wage base; a new employer pays 2.6825% for the rate year from 1 July 2026 to 30 June 2027.
What changed for New Jersey paychecks in 2026, and what is next
- The minimum wage rose to $15.92 on 1 January 2026.
- The disability and family leave wage base rose to $171,100, with employee rates of 0.19% and 0.23%.
- The unemployment wage base is $44,800 for workers and employers.
- Federal figures changed: the Social Security wage base is $184,500 and the IRS published new withholding tables for 2026.
What the calculator includes
- Tax year: 2026. New Jersey figures were checked against the New Jersey Division of Taxation and the Department of Labor and Workforce Development on 14 October 2026.
- Taxes: federal income tax, Social Security, Medicare and Additional Medicare Tax, New Jersey income tax and NJ unemployment and workforce (UI/WF), NJ disability insurance (TDI), NJ family leave insurance (FLI).
- Forms: the 2020-and-later Form W-4 and the current Form NJ-W4.
- Pay: gross pay up to $10,000,000, hourly rates up to $10,000, up to 744 hours in a pay period, and an overtime multiplier from 1 to 5.
- New Jersey rules: the NJ-WT percentage method with rate tables A to E and Form NJ-W4 lines 3 to 5, plus UI/WF, TDI and FLI. A 401(k) contribution lowers New Jersey wages; a cafeteria-plan health premium does not.
Is it private?
Yes. The calculation runs in your browser. Your pay, your withholding forms and your result are not sent to a server and are not saved.
Tips for an accurate estimate
- Leave the rate table on "By filing status" unless line 3 of your NJ-W4 has a letter on it.
- If you and your spouse both work, check the wage chart on the NJ-W4. Table C, D or E often fits better than B.
- Enter your health premium as usual: the calculator keeps it in New Jersey wages, as the state requires.
- Look for UI/WF, TDI and FLI on your stub. They stop once your wages pass each year's wage base.
- Living in Pennsylvania? Give your New Jersey employer Form NJ-165 so New Jersey tax is not withheld.
Related calculators
Frequently asked questions
- Does New Jersey have a state income tax?
- Yes. New Jersey taxes income at graduated rates from 1.4% to 10.75% on income over $1,000,000. Employers withhold it with rate tables A to E and Form NJ-W4.
- How much is $75,000 after taxes in New Jersey?
- A single filer paid $75,000 a year in New Jersey takes home $58,218 in 2026, or $2,234.22 every two weeks, with one allowance on Form NJ-W4 and the rate table for the filing status. Federal income tax is $7,670, Social Security and Medicare are $5,738, and New Jersey taxes are $3,375.
- What taxes come out of a paycheck in New Jersey?
- Federal income tax, Social Security tax of 6.2%, Medicare tax of 1.45% and New Jersey income tax, plus NJ unemployment and workforce (UI/WF) of 0.425% and NJ disability insurance (TDI) of 0.19% and NJ family leave insurance (FLI) of 0.23%. New Jersey has no city or county income tax.
- Which rate table should I choose on Form NJ-W4?
- Single filers who leave line 3 empty get Table A, and married couples filing jointly get Table B. If both spouses work, the wage chart on the NJ-W4 suggests a letter based on both salaries, often C, D or E, so that enough tax is withheld for the couple.
- Why is my New Jersey tax higher than in other states with similar rates?
- New Jersey does not let a cafeteria-plan health premium lower state taxable wages, so the full salary is taxed. Employees also pay UI/WF, TDI and FLI contributions that most states charge only to employers or not at all.
- What is the minimum wage in New Jersey in 2026?
- $15.92 an hour at most employers, and $15.23 at seasonal employers and those with fewer than six employees.
- Do I pay New Jersey tax if I live in Pennsylvania?
- No New Jersey tax is withheld if you file Form NJ-165 with your New Jersey employer. The two states have a reciprocal agreement, so you pay Pennsylvania tax instead.
Sources
Every rate, bracket and limit this calculator uses comes from the official sources below. The method is shown on this page, so any result can be checked by hand.
- New Jersey Division of Taxation, NJ-WT Income Tax Withholding Instructions; Form NJ-W4 (1-21); Technical Bulletin TB-39(R). The New Jersey percentage method, rate tables A to E, the $1,000 allowance, Form NJ-W4 and the treatment of 401(k) and cafeteria-plan deductions.
- New Jersey Department of Labor and Workforce Development, 2026 payroll tax rate information; Minimum Wage flier MW-571 (1/26); Know Your Rights in the Workplace. UI/WF, TDI and FLI employee rates and wage bases, minimum and tipped wages, overtime, paydays, final pay and sick leave.
- U.S. Census Bureau, QuickFacts, American Community Survey 2020-2024 5-year estimates. Median household income for New Jersey and Washington.
- Internal Revenue Service, Publication 15-T (2026), Federal Income Tax Withholding Methods. Worksheet 1A and the 2026 Percentage Method Tables for Automated Payroll Systems: every bracket, rate and the $12,900 and $8,600 amounts on line 1g.
- Internal Revenue Service, Topic no. 751, Social Security and Medicare withholding rates. Social Security 6.2%, Medicare 1.45%, and Additional Medicare Tax of 0.9% on wages above $200,000 in a calendar year.
- Social Security Administration, Contribution and Benefit Base. The 2026 Social Security wage base of $184,500.