New Jersey Paycheck Calculator

Updated for 2026 tax year · figures checked on November 3, 2026

New Jersey withholds state income tax at graduated rates from 1.5% to 11.8%, and takes three small worker contributions for unemployment, disability and family leave insurance. This New Jersey paycheck calculator, also a salary and take-home pay calculator, shows them all next to federal income tax, Social Security and Medicare.

A single filer on a $60,000 salary, paid every two weeks with no NJ-W4 allowances, has a $2,307.69 paycheck and takes home about $1,840.62, or $47,921 a year.

Annual salary

Pay frequency

Filing status (W-4 Step 1(c))

Take-home pay per bi-weekly paycheck

$1,840.62

$47,920.74 a year from $59,999.94 gross pay (26 paychecks)

Take-home 79.8%
Federal income tax 8.4%
Social Security 6.2%
Medicare 1.4%
State income tax 3.4%
NJ unemployment and workforce (UI/WF/SWF) 0.4%
NJ disability insurance (DI) 0.2%
NJ family leave insurance (FLI) 0.2%

Paycheck breakdown per paycheck and per year in New Jersey
Item	Per paycheck	Per year
Gross pay	$2,307.69	$59,999.94
Federal income tax	−$193.08	−$5,020.08
Social Security	−$143.08	−$3,720.08
Medicare	−$33.46	−$869.96
State income tax	−$77.95	−$2,026.70
NJ unemployment and workforce (UI/WF/SWF)	−$9.81	−$190.44
NJ disability insurance (DI)	−$4.38	−$113.88
NJ family leave insurance (FLI)	−$5.31	−$138.06
Take-home pay	$1,840.62	$47,920.74

How we calculated this

Estimates for informational purposes only, based on 2026 withholding rules. Your actual paycheck may differ. This is not tax advice. Report an issue

New Jersey salary calculator: what your result means

Your result is take-home pay after federal taxes, New Jersey income tax and the three worker contributions. In the $60,000 example, federal income tax is about 8.4% of gross pay, Social Security and Medicare 7.7%, and New Jersey income tax plus contributions 4.1%.

Health insurance and FSA deductions made through a cafeteria plan don't lower your New Jersey taxable wages, so the state line can be higher than you'd expect. Only 401(k) deferrals do.

At $100,000 a year, take-home pay is about $2,832.59 every two weeks, or $73,882 a year. A $40,000 salary paid weekly comes to about $638.21 per paycheck.

How New Jersey taxes your paycheck

New Jersey withholding at a glance
State income tax on wages	Graduated rates (see below)
NJ unemployment and workforce (UI/WF/SWF)	0.425% employee rate of wages up to $44,800
NJ disability insurance (DI)	0.19% employee rate of wages up to $171,100
NJ family leave insurance (FLI)	0.23% employee rate of wages up to $171,100

Source: New Jersey Division of Taxation, Tables for Percentage Method of Withholding (wages paid on and after October 1, 2020)

New Jersey withholding rates, rate a (single, married filing separately) schedule

over $01.5%
over $20,0002%
over $35,0003.9%
over $40,0006.1%
over $75,0007%
over $500,0009.9%
over $1,000,00011.8%

New Jersey withholding rates by taxable wages
Schedule	Taxable wages over	Rate
Rate A (single, married filing separately)	$0	1.5%
	$20,000	2%
	$35,000	3.9%
	$40,000	6.1%
	$75,000	7%
	$500,000	9.9%
	$1,000,000	11.8%
Rate B (married filing jointly, head of household)	$0	1.5%
	$20,000	2%
	$50,000	2.7%
	$70,000	3.9%
	$80,000	6.1%
	$150,000	7%
	$500,000	9.9%
	$1,000,000	11.8%

Source: New Jersey Division of Taxation, Tables for Percentage Method of Withholding (wages paid on and after October 1, 2020)

Thresholds are yearly wages after NJ-W4 allowances of $1,000 each. Rates C, D and E, chosen from the NJ-W4 wage chart, withhold more for two-earner households.

Employers subtract $1,000 a year for each allowance on your NJ-W4, then use one of five rate tables. Single filers and married people filing separately are withheld at Rate A; married couples filing jointly, heads of household and surviving spouses at Rate B. Rates C, D and E withhold more and are for households with a second earner.

Which deductions lower New Jersey wages

New Jersey doesn't follow the federal treatment of Section 125 cafeteria plans. Health premiums, flexible spending accounts and other benefits paid by salary reduction stay in your New Jersey wages; 401(k) contributions up to the federal limit are the exception. We treat HSA payroll deferrals as salary reductions too, while we confirm.

Unemployment, disability and family leave contributions

In 2026 workers pay 0.3825% for unemployment and 0.0425% for workforce funds, 0.425% together, on the first $44,800 of wages. Disability insurance is 0.19% and family leave insurance 0.23%, both on the first $171,100. All three are figured on wages before 401(k) and cafeteria plan deductions.

Things to know about New Jersey paychecks

Cafeteria plans are taxable. Health insurance and FSA amounts deducted from your salary through a cafeteria plan are still New Jersey taxable wages. (Source: New Jersey Division of Taxation, Technical Bulletin TB-39(R), Cafeteria Plans)
Pre-tax deductions don't lower contributions. Your 401(k) and cafeteria plan salary reductions still count as wages for unemployment, disability and family leave contributions. (Source: New Jersey Department of Labor and Workforce Development, Employer Handbook: Taxes and Wages)
A wage chart for two-earner households. Married couples with combined income over $50,000 can pick a rate letter from the NJ-W4 wage chart so enough is withheld. (Source: New Jersey Division of Taxation, Form NJ-W4 Employee's Withholding Allowance Certificate (1-21))

Federal taxes on every paycheck

Every US paycheck has the same three federal deductions, whichever state you work in. Together, Social Security and Medicare are called FICA (Federal Insurance Contributions Act) taxes.

Federal income tax withholding. Withholding is tax your employer takes out of each paycheck and sends to the IRS on your behalf. The amount depends on your pay and your Form W-4, using the IRS method in Publication 15-T. It is an estimate of your yearly tax; you settle the difference when you file your return.
Social Security. 6.2% of your wages, up to the wage base of $184,500 for the year. The wage base is the most pay that Social Security tax applies to.
Medicare. 1.45% of all your wages, with no limit. Once your pay from one employer passes $200,000 in a year, your employer also withholds an extra 0.9% Additional Medicare Tax on the amount above it.

Source: IRS Publication 15 (2026), (Circular E), Employer's Tax Guide.

Ways to change your paycheck

To change New Jersey withholding, give your employer a new Form NJ-W4. Line 3 takes a rate letter from the wage chart, line 4 your allowances and line 5 an extra amount each pay.

You can claim exempt if your income for the year will be $10,000 or less ($20,000 for married couples filing jointly and heads of household); the exemption lasts one year.

Update your Form W-4. Claiming dependents, checking the Step 2 box or asking for extra withholding changes how much federal tax comes out of each paycheck. The IRS Tax Withholding Estimator can help you fill it in.
Pre-tax deductions. Money you put into a traditional 401(k), an HSA or employer health insurance comes out before federal income tax, so your take-home pay drops by less than the amount you save.
Bonuses. Employers often withhold federal tax on a bonus paid separately at a flat rate. Add a bonus under More options to see it.

New Jersey payroll rules

Minimum wage: $15.92 an hour in 2026 ($15.23 for employers with fewer than six employees and seasonal work). From January 1, 2027 it rises to $16.48, and the tipped cash wage to $6.61. (Source: New Jersey Department of Labor and Workforce Development, minimum wage increase for 2027 (press release, September 29, 2026))
Overtime: Time-and-a-half after 40 hours in a week, except for executive, administrative and professional employees and some other groups, such as certain farm, hotel, bus and limousine workers. (Source: New Jersey Department of Labor and Workforce Development, MW-376 New Jersey State Wage and Hour Law Abstract)
How often you must be paid: Employers must pay at least twice a month on regular paydays set in advance. Executive and supervisory staff may be paid monthly. (Source: New Jersey Department of Labor and Workforce Development, Selected State Labor Laws (N.J.S.A. 34:11-4.2, 34:11-4.3))
Final paycheck: If you quit, resign, are laid off or are fired, final wages are due by the regular payday for the pay period in which your job ended. (Source: New Jersey Department of Labor and Workforce Development, Selected State Labor Laws (N.J.S.A. 34:11-4.2, 34:11-4.3))

For employers in New Jersey

State unemployment tax: Unemployment contributions apply to the first $44,800 of each employee's wages. Employees pay part of it too, which shows up on your paycheck. New employers pay 2.6825% for unemployment, plus disability and workforce contributions. (Source: New Jersey Department of Labor and Workforce Development, Employer Rate Information (2026 contribution rates and taxable wage bases))
New hire reporting: Employers must report new hires within 20 days. (Source: US Department of Health and Human Services, Office of Child Support Services, State New Hire Reporting Requirements)
State income tax withholding: Employers need a federal EIN and register as a New Jersey employer online. Employees file Form NJ-W4. (Source: New Jersey Division of Taxation, NJ-WT New Jersey Income Tax Withholding Instructions (September 2025))

New Jersey has no flat supplemental rate: bonuses paid with regular wages are withheld on the total, and bonuses paid separately are withheld without allowances.

Compare New Jersey with neighboring states

Take-home pay on a $60,000 salary, single filer, paid bi-weekly, no pre-tax deductions
			Per paycheck
Pennsylvania	$1,884	$48,506	$1,865.60
New Jersey	$2,469	$47,921	$1,840.62
Delaware	$2,893	$47,497	$1,826.80
New York	$2,966	$47,424	$1,824.00

Paycheck calculators for neighboring states: Delaware, New York, Pennsylvania.

Most-searched state paycheck calculators

New Jersey paycheck FAQ

What are New Jersey's withholding rates in 2026?

From 1.5% to 11.8%, using Rate A for single filers and Rate B for married couples filing jointly unless you choose another rate on the NJ-W4.

What are the UI, DI and FLI deductions on my New Jersey paycheck?

Worker contributions for unemployment (0.425% with workforce funds), disability insurance (0.19%) and family leave insurance (0.23%) in 2026.

Does my health insurance deduction lower New Jersey tax?

No. New Jersey taxes cafeteria plan salary reductions; only 401(k) contributions lower New Jersey wages.

When do I get my final paycheck in New Jersey?

By the regular payday for the pay period in which your job ended.

What is the minimum wage in New Jersey?

$15.92 an hour in 2026 for most employees, rising to $16.48 on January 1, 2027.

Is overtime taxed more in New Jersey?

No. Overtime is taxed at the same rates as your other wages; a larger paycheck can mean more withholding that period.

Sources and methodology

Every rate and limit on this page comes from the official sources below, checked on 2026-11-03. Read how our paycheck calculator works for the calculation order and its limits.