Tax year 2026 · Updated
New Jersey Hourly Paycheck Calculator
Turn regular hours and time-and-a-half overtime into an estimated New Jersey paycheck. Compare weekly gross pay, supported deductions and take-home pay using your payroll elections.
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 | $880.00 | $45,760.00 |
| Pre-tax retirement | $0.00 | $0.00 |
| Health, HSA, FSA (federal pre-tax) | $0.00 | $0.00 |
| Federal income-tax withholding | $63.68 | $3,311.20 |
| Social Security (6.2%) | $54.56 | $2,837.12 |
| Medicare (1.45%) | $12.76 | $663.52 |
| New Jersey withholding | $20.89 | $1,086.28 |
| New Jersey UI/WF (unemployment and workforce) | $3.66 | $190.40 |
| New Jersey TDI (temporary disability) | $1.67 | $86.94 |
| New Jersey FLI (family leave insurance) | $2.02 | $105.25 |
| After-tax deductions | $0.00 | $0.00 |
| Take-home pay | $720.76 | $37,479.29 |
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.
From a timecard to a New Jersey paycheck estimate
Use paid hours after unpaid breaks. Enter regular hours separately from overtime; putting all 45 hours in the regular field and another 5 in overtime would count those 5 hours twice.
Weekly gross = hourly rate × (regular hours + 1.5 × overtime hours)
For example, $20 × (40 + 1.5 × 5) gives $950 gross for a 45-hour week. The calculator repeats that week over 52 weeks and divides the annual amount by your selected pay frequency. Every two weeks uses 26 paychecks; twice a month uses 24, so it is an average rather than the actual hours in a particular half-month.
The Department of Labor's overtime guidance covers regular-rate and eligibility rules. This tool assumes the rate you enter is the applicable regular rate and the overtime hours you enter are paid at time-and-a-half. Daily overtime, double time, tipped pay and multiple hourly rates need separate treatment.
Hourly wage to take-home pay in New Jersey (2026)
Weekly take-home pay for a single filer working 40 hours 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.
| Hourly rate | Gross per week | Take-home per week | Full-year take-home | Estimated tax share |
|---|---|---|---|---|
| $15.00 / hour | $600.00 | $509.26 | $26,482 | 15.1% |
| $20.00 / hour | $800.00 | $661.95 | $34,422 | 17.3% |
| $25.00 / hour | $1,000.00 | $809.35 | $42,086 | 19.1% |
| $30.00 / hour | $1,200.00 | $957.01 | $49,765 | 20.2% |
What 5 or 10 overtime hours add at $20 an hour
Each row assumes 40 regular hours plus the stated overtime every week for a full year, a single filer, standard W-4, no benefit deductions and the same New Jersey settings as the hourly table above. These figures are generated by this calculator; they do not predict a one-off overtime check.
| Overtime hours | Gross per week | Estimated take-home | Extra take-home |
|---|---|---|---|
| 0 | $800.00 | $661.95 | $0.00 |
| 5 | $950.00 | $772.44 | $110.48 |
| 10 | $1,100.00 | $883.18 | $221.23 |
A qualifying federal overtime deduction is separate from the amount of overtime pay. The calculator does not decide eligibility or subtract it automatically. The IRS explains how an updated W-4 can reflect the expected deduction; Social Security and Medicare generally still apply. The examples use a W-4 with no adjustments.
The New Jersey calculation used for these wages
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.
Official state payroll method. Enter your state certificate elections independently of your federal W-4.
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.
Limits of this state estimate. 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.
For the detailed state schedules, certificate examples and local-tax guidance, see how the New Jersey state calculator works.
For a change in your hourly rate, the pay raise calculator shows the percentage and annualized increase. Compare the old and new rates above to include New Jersey's supported taxes and payroll deductions.
Frequently asked questions
How is hourly take-home pay calculated in New Jersey?
Gross pay is your hourly rate × hours, with overtime hours at 1.5× your rate. The calculator annualises that amount, works out federal withholding under IRS Publication 15-T, applies Social Security (6.2%) and Medicare (1.45%), then applies the NJ-WT percentage table selected by your NJ-W4 elections and the state payroll programs listed on this page, and shows the result for your pay period.
What is $20 an hour after taxes in New Jersey?
At 40 hours a week, $20 an hour is $800.00 gross per week. For a single filer with a standard W-4, single NJ-W4 status, rate A, one allowance, no exemption and no extra NJ withholding in 2026, take-home pay is about $661.95 a week, or $34,422 a year (an estimated tax share of gross pay of 17.3%).
How is overtime taxed in New Jersey?
The calculator includes overtime in regular gross wages and applies your entered W-4 and the state method described here. Higher gross pay can increase withholding. This is a repeated-week projection, not a calculation of your final tax or refund. It does not determine a qualified overtime deduction; use the current IRS W-4 instructions to account for an eligible deduction.
Does New Jersey have state income tax on hourly wages?
Yes. 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. Hourly and salary inputs with the same annual gross wages and elections use the same calculation.
How many hours count as full time for this calculator?
There is no full-time eligibility test here. Enter regular paid hours excluding overtime, then enter time-and-a-half hours separately. The calculator does not classify your job, check daily overtime rules or determine the regular rate when bonuses, shift differentials or multiple pay rates apply.
Related calculators
- New Jersey salary paycheck calculatorAnnual salary to take-home pay
- Hours worked calculatorAdd up a time card
- Pay raise calculatorRaise as $ per hour or %
- Federal income tax calculator
- Texas hourly paycheck calculator
- Florida hourly paycheck calculator
- California hourly paycheck calculator
- New York hourly paycheck calculator
- Illinois hourly paycheck calculator
- Pennsylvania hourly paycheck calculator
Hourly 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.