New Jersey·Updated for 2026·Figures in USD · New Jersey income tax, UI, TDI and FLI included
New Jersey Paycheck Calculator (2026)
New Jersey takes state income tax, from 1.5% to 11.8%, plus small worker contributions for unemployment, disability and family leave out of every paycheck, on top of federal income tax, Social Security and Medicare. Enter your salary or hourly wage to see your take-home pay, worked out with the IRS's and New Jersey's own 2026 methods.
Your pay
$
Before taxes
New Jersey withholding (NJ-W4)
Blank follows your federal status
Blank uses 0
W-4 details (optional)
$2,200 each
$500 each
$
$
Including the overtime or tips deduction you expect
$
Pre-tax deductions (optional)
Traditional, not Roth
%
$
Pre-tax premiums through your employer
Enter your salary. Your take-home pay appears here as you type — there is no button to press.
Calculating
Show the mathSee how this was worked outHide
Federal income tax follows IRS Publication 15-T (2026), Worksheet 1A, for a W-4 from 2020 or later. Your employer may round to whole dollars.
Figures last verified October 30, 2026. Withholding follows IRS Publication 15-T for 2026; Social Security and Medicare follow Publication 15 for 2026; New Jersey tax follows the Division of Taxation's rate tables, and UI, TDI and FLI the Department of Labor's 2026 rates.
New Jersey take-home pay by salary
Single, paid every two weeks, with a standard W-4, Rate A and no NJ-W4 allowances, and no pre-tax deductions:
Salary
Gross per paycheck
Federal income tax
Social Security + Medicare
NJ tax + UI, TDI, FLI
Take-home per paycheck
Take-home per year
$40,000
$1,538.46
$100.77
$117.69
$44.03
$1,275.97
$33,175.24
$50,000
$1,923.08
$146.92
$147.11
$70.73
$1,558.32
$40,538.20
$60,000
$2,307.69
$193.08
$176.54
$97.45
$1,840.62
$47,920.88
$75,000
$2,884.62
$295.00
$220.68
$137.51
$2,231.43
$58,145.71
$100,000
$3,846.15
$506.54
$294.23
$212.79
$2,832.59
$73,882.19
Hourly pay in New Jersey
40 hours a week, paid weekly, single:
Hourly wage
Gross per week
Taxes per week
Take-home per week
Take-home per year
$15.00
$600.00
$91.12
$508.88
$26,461.76
$20.00
$800.00
$139.22
$660.78
$34,360.56
$25.00
$1,000.00
$192.41
$807.59
$42,025.28
Minimum wage in New Jersey
New Jersey's minimum wage is $15.92 an hour, or $15.23 for employers with fewer than six employees, and it is adjusted each year by a set formula. Working 40 hours a week at $15.92, single and paid weekly, you earn $636.80 a week and take home $537.41 after taxes, or $27,945.24 a year.
Minimum wage
Hourly
Gross per week
Taxes per week
Take-home per week
Take-home per year
Employers with 6 or more employees
$15.92
$636.80
$99.39
$537.41
$27,945.24
Employers with fewer than 6 employees
$15.23
$609.20
$93.18
$516.02
$26,833.02
Minimum wage as last verified on October 30, 2026. Taxes per week include everything this calculator withholds in New Jersey.
A worked example
$60,000 a year, single, paid every two weeks. Each paycheck is $2,307.69. For federal income tax, the employer multiplies it by 26 ($59,999.94), subtracts the $8,600 standard adjustment ($51,399.94), and applies the IRS table: $1,240.00 plus 12% of the amount over $19,900, or $5,019.99 a year. Divided by 26, that is $193.08. Social Security is $143.08 and Medicare $33.46. New Jersey income tax comes from Rate A: $77.95. The worker contributions are NJ unemployment and workforce $9.81, NJ disability (TDI) $4.38, NJ family leave (FLI) $5.31, leaving $1,840.62.
Married filing jointly on $100,000 with two children under 17, paid every two weeks, takes home $3,277.88 a paycheck, with $124.61 of federal income tax.
What New Jersey takes from a paycheck
New Jersey's withholding rates rise from 1.5% to 11.8%. On $60,000 paid every two weeks, single with no allowances, New Jersey income tax is $77.95 and the three worker contributions $19.50 a paycheck, on top of federal taxes. The unemployment and workforce contribution stops once your wages for the year pass $44,800, and disability and family leave at $171,100.
How much is taken out of a paycheck in New Jersey?
Federal income tax, Social Security (6.2%), Medicare (1.45%), New Jersey income tax, and three worker contributions: unemployment and workforce (0.425%), disability (0.19%) and family leave (0.23%). On a $60,000 salary paid every two weeks, single, New Jersey income tax is $77.95, the contributions $19.50, and you keep $1,840.62 a paycheck.
How is New Jersey income tax withholding worked out?
Your employer subtracts $38.40 for each allowance on your Form NJ-W4 from a bi-weekly paycheck ($19.20 weekly, $41.60 twice a month, $83.30 monthly), then applies the Division of Taxation's rate table for your filing status: Rate A for single or married filing separately, Rate B for married filing jointly, head of household or qualifying widow(er).
What are Rates C, D and E?
Extra tables on line 3 of Form NJ-W4. If you file jointly, as head of household or as a qualifying widow(er), and your spouse works or you have more than one job with combined wages over $50,000, the form's wage chart recommends one of them so enough is withheld. Choose one under New Jersey withholding to see the effect.
What are UI, TDI and FLI on my New Jersey pay stub?
Worker contributions for unemployment insurance (with workforce development), temporary disability insurance and family leave insurance. In 2026 workers pay 0.425% of the first $44,800 for unemployment and workforce, and 0.19% for disability and 0.23% for family leave on wages up to $171,100.
Is there a maximum for TDI and FLI?
Yes. They stop once your wages for the year pass $171,100, so the most you pay in 2026 is $325.09 for disability and $393.53 for family leave. Unemployment and workforce stop at $44,800 of wages, $190.40 at most.
Can I claim exempt from New Jersey withholding?
Only if you expect to owe no New Jersey income tax. Form NJ-W4 allows it if your income for the year will be $10,000 or less (single or married filing separately), or $20,000 or less (married filing jointly, head of household or qualifying widow(er)). You must file a new NJ-W4 each year.
How is federal income tax withholding worked out?
Your employer annualizes each paycheck, subtracts a standard adjustment ($8,600, or $12,900 if married filing jointly, unless you checked the Step 2 box), applies the IRS withholding table, then divides by your number of paychecks and subtracts any dependent credits. This calculator follows the same IRS worksheet.
When does Social Security stop being taken out?
Once your pay for the year reaches $184,500, the 2026 wage base. Medicare has no cap, and an extra 0.9% applies to pay over $200,000.
Do 401(k) contributions lower my taxes?
A traditional 401(k) contribution lowers your federal income tax withholding, but Social Security and Medicare are still taken from it. Pre-tax health premiums through a cafeteria plan lower all three.
What about no tax on overtime or tips?
The overtime and tips deductions are claimed on your tax return, but you can ask your employer to withhold less now by adding the deduction you expect to Step 4(b) of a new W-4. Enter it under W-4 details to see the effect.
