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New Jersey Paycheck Calculator 2026
Enter your salary or hourly wage to estimate take-home pay after federal and New Jersey taxes. Updated for 2026 tax rates.
Your pay
New Jersey take-home pay by salary
Single filer, paid every two weeks, no pre-tax deductions.
| Salary | Per paycheck | Per year | Effective tax rate |
|---|---|---|---|
| $30,000 | $984.38 | $25,594 | 14.7% |
| $40,000 | $1,280.75 | $33,300 | 16.8% |
| $50,000 | $1,566.92 | $40,740 | 18.5% |
| $60,000 | $1,853.09 | $48,180 | 19.7% |
| $75,000 | $2,249.66 | $58,491 | 22.0% |
| $100,000 | $2,861.14 | $74,390 | 25.6% |
| $150,000 | $4,061.75 | $105,606 | 29.6% |
New Jersey hourly paycheck examples
Single filer, 40 hours a week, paid weekly.
| Hourly wage | Weekly gross | Weekly take-home |
|---|---|---|
| $15.00/hr | $600.00 | $510.14 |
| $20.00/hr | $800.00 | $663.53 |
| $25.00/hr | $1,000.00 | $812.08 |
| $30.00/hr | $1,200.00 | $960.89 |
| $40.00/hr | $1,600.00 | $1,225.22 |
New Jersey paycheck taxes for 2026
New Jersey taxes wages using 7 brackets with a top rate of 10.75%. For 2026, federal income tax uses seven brackets from 10% to 37%. The standard deduction is $16,100 for single filers, $32,200 for married couples filing jointly, and $24,150 for heads of household. Social Security takes 6.2% of wages up to $184,500, and Medicare takes 1.45% of all wages plus 0.9% on wages above $200,000.
- New Jersey has graduated income tax rates from 1.4% to 10.75%, using the same brackets since 2020.
- There is no standard deduction. Filers get a $1,000 personal exemption and $1,500 for each dependent.
- For 2026, workers pay 0.19% for disability insurance and 0.23% for family leave insurance on the first $171,100 of wages, plus 0.425% for unemployment and workforce funds on the first $44,800.
- New Jersey excludes 401(k) contributions from taxable wages, but contributions to 403(b), 457, and most other retirement plans are taxed.
New Jersey deductions and exemptions
| Filing status | Standard deduction | Personal exemption |
|---|---|---|
| Single | $0 | $1,000 |
| Married filing jointly | $0 | $1,000 |
| Head of household | $0 | $1,000 |
New Jersey tax brackets: single
| Taxable income | Rate |
|---|---|
| $0 to $20,000 | 1.4% |
| $20,000 to $35,000 | 1.75% |
| $35,000 to $40,000 | 3.5% |
| $40,000 to $75,000 | 5.525% |
| $75,000 to $500,000 | 6.37% |
| $500,000 to $1,000,000 | 8.97% |
| Over $1,000,000 | 10.75% |
New Jersey tax brackets: married filing jointly
| Taxable income | Rate |
|---|---|
| $0 to $20,000 | 1.4% |
| $20,000 to $50,000 | 1.75% |
| $50,000 to $70,000 | 2.45% |
| $70,000 to $80,000 | 3.5% |
| $80,000 to $150,000 | 5.525% |
| $150,000 to $500,000 | 6.37% |
| $500,000 to $1,000,000 | 8.97% |
| Over $1,000,000 | 10.75% |
New Jersey payroll deductions
| Deduction | Employee rate | Wage cap |
|---|---|---|
| Unemployment Insurance (UI) | 0.383% | $44,800 |
| Workforce Development Fund (WF/SWF) | 0.042% | $44,800 |
| Temporary Disability Insurance (TDI) | 0.19% | $171,100 |
| Family Leave Insurance (FLI) | 0.23% | $171,100 |
Frequently asked questions
How much is taken out of a paycheck in New Jersey?
A single filer earning $60,000 a year and paid every two weeks takes home about $1,853.09 per paycheck in New Jersey, an effective tax rate of about 19.7%. The deductions are federal income tax, Social Security, Medicare, New Jersey income tax, Unemployment Insurance (UI), Workforce Development Fund (WF/SWF), Temporary Disability Insurance (TDI), and Family Leave Insurance (FLI).
Does New Jersey have a state income tax?
Yes. New Jersey taxes wages using 7 brackets with a top rate of 10.75%.
What state payroll taxes do New Jersey employees pay?
Unemployment Insurance (UI): 0.383% of wages up to $44,800. Workforce Development Fund (WF/SWF): 0.042% of wages up to $44,800. Temporary Disability Insurance (TDI): 0.19% of wages up to $171,100. Family Leave Insurance (FLI): 0.23% of wages up to $171,100.
Is this New Jersey paycheck calculator accurate?
It estimates your yearly tax using 2026 federal and New Jersey rules, then divides by your number of paychecks. Your employer's withholding can differ because of your W-4 choices, bonuses, other income, or benefits not entered here. Use it for planning and check your pay stub for exact amounts.
Sources
- https://www.nj.gov/labor/ea/employer-services/rate-info/
- https://www.nj.gov/treasury/taxation/taxtables.shtml
- https://www.nj.gov/treasury/taxation/pdf/current/1040i.pdf
- https://www.nj.gov/treasury/taxation/git_over.shtml
- https://www.irs.gov/pub/irs-drop/rp-25-32.pdf
- https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill
- https://www.ssa.gov/news/en/cola/factsheets/2026.html
Tax data last reviewed 2026-09-16. How this calculator works.
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