Tax year 2026 · Updated
New Jersey Paycheck Calculator
Estimate New Jersey take-home pay using your NJ-W4 allowances and rate-table choice. Includes federal taxes and employee unemployment, disability and family leave contributions.
New Jersey payroll withholding. The state income-tax line uses the New Jersey percentage tables and your NJ-W4 elections for regular pay. The annual amount projects those paycheck estimates over a year; it does not calculate your final state tax bill.
Annual and monthly figures assume the entered pay repeats for a full year. Wage caps are averaged across those paychecks; year-to-date pay and deductions are not tracked.
| Line | Per paycheck | Full-year projection |
|---|---|---|
| Gross pay | $2,307.69 | $60,000.00 |
| Pre-tax retirement | $0.00 | $0.00 |
| Health, HSA, FSA (federal pre-tax) | $0.00 | $0.00 |
| Federal income-tax withholding | $193.08 | $5,020.00 |
| Social Security (6.2%) | $143.08 | $3,720.00 |
| Medicare (1.45%) | $33.46 | $870.00 |
| New Jersey withholding | $75.61 | $1,965.86 |
| New Jersey UI/WF (unemployment and workforce) | $7.32 | $190.40 |
| New Jersey TDI (temporary disability) | $4.38 | $114.00 |
| New Jersey FLI (family leave insurance) | $5.31 | $138.00 |
| After-tax deductions | $0.00 | $0.00 |
| Take-home pay | $1,845.45 | $47,981.74 |
Estimated tax share is the displayed federal withholding, FICA, state/local tax estimate and state payroll deductions divided by gross pay. Benefit deductions are excluded from that share; it is not your final income-tax rate.
New Jersey uses the printed NJ-WT percentage table for your pay frequency and NJ-W4 elections. Allowances reduce wages used for withholding; there is no automatic low-income exemption without your line 6 election. Withholding rates differ from annual tax-return rates.
Federal withholding follows IRS Publication 15-T for a 2020-or-later W-4. Social Security applies to the first $184,500 of wages in 2026.
Compare a New Jersey salary offer with your paystub
- Enter annual gross salary and the employer's pay frequency. Every two weeks means 26 paychecks; twice a month means 24. Benefits entered per paycheck follow that choice.
- Copy the elections from your current federal W-4 and the separate state certificate fields shown in the form. A job offer's salary alone does not establish withholding.
- Enter your employee retirement and health deductions, then any after-tax deductions. Compare gross pay and each deduction line with a regular paystub before relying on the net estimate.
- For a proposed raise, run both annual salaries with the same elections, pay frequency and benefit settings. Percentage-based retirement deductions change with salary. Keep one-off bonuses separate from regular annual salary.
A raise starting partway through the year affects fewer paychecks. The annual result here is a full year at the entered salary; it does not combine earlier wages or predict a refund. For household withholding and amounts already paid, use the IRS Tax Withholding Estimator.
How New Jersey paycheck taxes work in 2026
New Jersey regular-pay withholding uses your NJ-W4 elections and the published A–E percentage tables. Subtract the pay-period value of the allowances on line 4, apply the selected table to the remaining wages, and add any extra amount on line 5. The calculator rounds withholding to cents and does not round wages to whole dollars.
With line 3 blank, single and married/civil-union separate status use rate A; joint, head of household and qualifying surviving spouse status use rate B. A letter entered on line 3 selects that table instead. The federal W-4 elections do not replace your NJ-W4 elections. These payroll rates differ from the rates used on an annual NJ-1040 return.
NJ-W4 allowance values by pay frequency
Multiply the value below by the allowance count on line 4. Subtract it from wages for that paycheck before applying the selected table. The printed weekly and monthly amounts are rounded, so multiplying them by the number of paychecks does not always equal $1,000.
| Pay frequency | Wage reduction per allowance |
|---|---|
| Weekly (52 paychecks) | $19.20 |
| Every two weeks (26 paychecks) | $38.40 |
| Twice a month (24 paychecks) | $41.60 |
| Monthly (12 paychecks) | $83.30 |
| Quarterly (4 paychecks) | $250.00 |
| Annually (1 paycheck) | $1,000.00 |
Weekly New Jersey withholding examples
These examples start with weekly wages subject to New Jersey tax before the allowance reduction, no extra withholding and no exemption. Insurance contributions, federal taxes and deductions would be separate lines on the paycheck.
| Weekly wages | Rate table | Allowances | NJ withholding |
|---|---|---|---|
| $300.00 | A | 1 | $4.21 |
| $700.00 | A | 1 | $11.84 |
| $1,200.00 | A | 1 | $40.41 |
| $950.00 | B | 3 | $15.92 |
| $1,200.00 | C | 1 | $28.23 |
| $1,200.00 | D | 1 | $32.46 |
| $1,200.00 | E | 1 | $40.99 |
For example, $1,200 under table A with one allowance leaves $1,180.80 for withholding. The table gives $15.29 plus 6.1% of the amount above $769, or $40.41 after rounding. An extra $5 on line 5 would make it $45.41.
Employers may use permitted whole-dollar wage rounding or wage-bracket tables, so a pay stub can differ. This calculator covers regular wages and overtime paid with them. Separate bonus payments, allocation between states and exemption eligibility are outside the model.
State payroll deductions
Beyond income tax, New Jersey employees pay into state programs that appear as separate lines on a pay stub: New Jersey UI/WF (unemployment and workforce) at 0.425%, capped at $190 a year; New Jersey TDI (temporary disability) at 0.19% of wages up to $171,100; New Jersey FLI (family leave insurance) at 0.23% of wages up to $171,100. These are included in the estimate.
Good to know. Qualifying traditional 401(k) deferrals are excluded from New Jersey wages. Employee 403(b) and 457 contributions are included; choose the plan in the calculator. Voluntary Section 125 health, HSA and FSA salary reductions remain in New Jersey taxable wages. The benefits field models employee salary reductions, not employer-funded benefits or the limited qualifying cafeteria-plan exclusions. Regular-pay withholding uses NJ-WT percentage tables and your NJ-W4 status, rate-table letter, allowances and extra withholding. The exemption checkbox models an existing NJ-W4 line 6 election; it does not determine eligibility. The estimate assumes New Jersey wages from one job at steady pay. Separately paid bonuses, interstate allocation, reciprocity and benefits outside voluntary salary reductions are not modeled.
Worked example: $60,000 salary in New Jersey
A single filer earning $60,000 a year, paid every two weeks, with a standard W-4 and no pre-tax deductions, single NJ-W4 status, rate A, one allowance, no exemption and no extra NJ withholding, sees this estimate for each paycheck in 2026. These numbers are produced by the same engine as the calculator above, so they never drift from the tool.
| Gross pay | $2,307.69 |
| Federal income-tax withholding | $193.08 |
| Social Security | $143.08 |
| Medicare | $33.46 |
| New Jersey withholding | $75.61 |
| New Jersey UI/WF (unemployment and workforce) | $7.32 |
| New Jersey TDI (temporary disability) | $4.38 |
| New Jersey FLI (family leave insurance) | $5.31 |
| Take-home pay per paycheck | $1,845.45 |
| Full-year take-home projection | $47,981.74 |
| Estimated tax share of gross pay | 20.0% |
Comparing a raise or new offer? Use the pay raise calculator to find the percentage change and its federal-only paycheck effect, then compare both salaries above with your New Jersey elections and deductions.
Federal taxes on every paycheck in 2026
Federal income tax withholding follows IRS Publication 15-T: your pay is annualised, adjusted for the entries on your Form W-4, reduced by the standard deduction built into the withholding tables ($16,100 single, $32,200 joint, $24,150 head of household), and run through the 2026 rate schedule below. Social Security is 6.2% of wages up to $184,500; Medicare is 1.45% of all wages plus 0.9% on wages above $200,000.
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 | $17,700 – $67,450 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 | $67,450 – $105,700 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 | $105,700 – $201,775 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 | $201,775 – $256,200 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 | $256,200 – $640,600 |
| 37% | over $640,600 | over $768,700 | over $640,600 |
Frequently asked questions
Does New Jersey have state income tax?
Yes. New Jersey has annual income-tax rates from 1.4% to 10.75% for 2026. The state income-tax line uses the New Jersey percentage tables and your NJ-W4 elections for regular pay. The annual amount projects those paycheck estimates over a year; it does not calculate your final state tax bill.
How much is taken out of a $1,000 paycheck in New Jersey?
For a single filer paid $1,000 a week with no pre-tax deductions, single NJ-W4 status, rate A, one allowance, no exemption and no extra NJ withholding, this 2026 calculator estimates $190.65 in tax and state-program deductions: $78.08 federal withholding, $62.00 Social Security, $14.50 Medicare, $28.21 New Jersey withholding and $7.86 in state programs, leaving estimated take-home pay of $809.35. This assumes the same pay and elections throughout the year.
Which New Jersey tax rates does this paycheck calculator use?
It uses the currently published NJ-WT percentage withholding tables A through E. Their payroll rates range from 1.5% to 11.8%, with different bands and base amounts by pay period. These are withholding rates, not the annual NJ-1040 income-tax schedule.
Do pre-tax health premiums and FSAs reduce New Jersey income tax?
Voluntary Section 125 salary reductions remain taxable in New Jersey, even when excluded from federal income-tax and FICA wages. For example, a $2,400 annual health-premium salary reduction does not lower New Jersey taxable wages. The calculator treats the combined health/HSA/FSA field as voluntary employee salary reductions. Limited exclusions for qualifying employer-funded plans are outside that field.
Are NJ-W4 allowances the same as federal W-4 dependents?
No. Enter the allowance number from NJ-W4 line 4 separately. Each allowance reduces the wages used to calculate New Jersey withholding by the published pay-period amount. Federal W-4 Step 3 instead takes an annual dollar credit.
How do I choose New Jersey withholding table A, B, C, D or E?
Use the letter on NJ-W4 line 3 if you entered one. If line 3 is blank, the calculator uses A for single or separate filing, and B for joint, head of household or qualifying surviving spouse status. The official NJ-W4 wage chart helps with multiple incomes; selecting a table here does not update your employer’s payroll elections.
Does low pay automatically mean no New Jersey withholding?
No. The regular percentage tables can withhold on low wages. Check the exempt box only when your current NJ-W4 line 6 claims EXEMPT. This sets New Jersey income-tax withholding to zero, but federal taxes and state insurance contributions can still apply. The calculator does not decide whether you qualify.
Are 401(k) contributions taxed in New Jersey?
New Jersey excludes qualifying employee 401(k) deferrals from state taxable wages. Employee contributions to 403(b) and 457 plans remain taxable in New Jersey. Select the plan in the calculator; these traditional contributions still reduce federal income-tax withholding wages, and Social Security and Medicare generally still apply.
How do I calculate my hourly take-home pay in New Jersey?
Switch the calculator to Hourly, enter your rate, hours per week and any overtime, and choose how often you are paid. The New Jersey hourly paycheck calculator opens with those settings and shows the same federal, FICA and state breakdown.
Why is my actual paycheck different from this estimate?
The state income-tax line uses the New Jersey percentage tables and your NJ-W4 elections for regular pay. The annual amount projects those paycheck estimates over a year; it does not calculate your final state tax bill. The estimate assumes steady regular pay and the elections and deductions you enter. Employer rounding, variable pay, year-to-date wage caps, benefit coverage and local-tax rules can produce different deductions. Compare gross pay and each deduction line with your paystub before using the net figure for budgeting. It does not predict a refund or balance due.
Related calculators
- New Jersey hourly paycheck calculatorHourly rate, hours and overtime
- Federal income tax calculatorYour 2026 federal tax bill
- W-4 withholding calculatorCheck if enough is being withheld
- Pay raise calculatorWhat a raise means after tax
- Hours worked calculatorTime card to gross pay
- Texas paycheck calculator
- Florida paycheck calculator
- California paycheck calculator
- New York paycheck calculator
- Illinois paycheck calculator
- Pennsylvania paycheck calculator
Paycheck calculators for other states
- AlabamaUp to 5%
- AlaskaNo income tax
- ArizonaFlat 2.5%
- ArkansasUp to 3.9%
- CaliforniaUp to 13.3%
- ColoradoFlat 4.4%
- ConnecticutUp to 6.99%
- DelawareUp to 6.6%
- District of ColumbiaUp to 10.75%
- FloridaNo income tax
- GeorgiaFlat 4.99%
- HawaiiUp to 11%
- IdahoFlat 5.3%
- IllinoisFlat 4.95%
- IndianaFlat 2.95%
- IowaFlat 3.8%
- KansasUp to 5.58%
- KentuckyFlat 3.5%
- LouisianaFlat 3%
- MaineUp to 9.15%
- MarylandUp to 6.5%
- MassachusettsUp to 9%
- MichiganFlat 4.25%
- MinnesotaUp to 9.85%
- MississippiFlat 4%
- MissouriUp to 4.7%
- MontanaUp to 5.65%
- NebraskaUp to 4.55%
- NevadaNo income tax
- New HampshireNo income tax
- New MexicoUp to 5.9%
- New YorkUp to 10.9%
- North CarolinaFlat 3.99%
- North DakotaUp to 2.5%
- OhioFlat 2.75%
- OklahomaUp to 4.5%
- OregonUp to 9.9%
- PennsylvaniaFlat 3.07%
- Rhode IslandUp to 5.99%
- South CarolinaUp to 6%
- South DakotaNo income tax
- TennesseeNo income tax
- TexasNo income tax
- UtahFlat 4.5%
- VermontUp to 8.75%
- VirginiaUp to 5.75%
- WashingtonNo income tax
- West VirginiaUp to 4.82%
- WisconsinUp to 7.65%
- WyomingNo income tax
Sources and updates
Figures are for tax year 2026 and were checked against the sources below on . Tax rules and rates can change. Each calculator identifies the method and limitations used.
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (as of Jan 1, 2026)
- NJ Division of Taxation, taxable wages
- NJ Division of Taxation, current A–E percentage withholding tables (effective October 1, 2020)
- NJ Division of Taxation, Form NJ-W4 and instructions (lines 2–6)
- NJ Division of Taxation, latest NJ-1040 rate schedules (2025 instructions, page 63)
- NJ Division of Taxation, TB-39(R): cafeteria plans and voluntary salary reductions
- NJ Division of Taxation, current exempt income guidance
- NJ Division of Taxation, NJ-WT September 2025, pages 6–7: taxable compensation
- IRS, Revenue Procedure 2025-32: tax inflation adjustments for tax year 2026 (standard deduction, rate brackets)
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods, Worksheet 1A percentage method for automated payroll systems
- Social Security Administration, 2026 contribution and benefit base $184,500
- IRS Topic 751, Social Security and Medicare withholding rates (6.2% and 1.45%; Additional Medicare Tax 0.9% over $200,000)
- Tax Foundation, 2026 Tax Brackets (head of household and married filing separately thresholds)
This calculator gives estimates for information only and is not tax, legal or financial advice. Your employer's payroll system, local taxes, benefits and year-to-date wages can change the exact amounts on your pay stub. See how we calculate.