New Jersey paycheck calculator

Take-home pay in New Jersey after federal and New Jersey income tax, Social Security, Medicare and your deductions, using the 2026 withholding rules.

State you live and work in

2026 rules for New Jersey.

Pay

I'm paid

Salary (per year, before taxes)

How often you're paid

Your Form W-4

Filing status

Children under 17

$2,200 each in Step 3, if your income is $200,000 or less ($400,000 married filing jointly).

Other dependents

$500 each in Step 3.

Pre-tax and after-tax deductions

401(k) or 403(b) contribution

Traditional (pre-tax). Put a Roth contribution under after-tax deductions.

Health insurance, HSA and FSA

Pre-tax premiums and contributions through payroll; they also lower Social Security and Medicare.

After-tax deductions

Roth 401(k), union dues, garnishments.

More Form W-4 options

Step 2: two jobs, or married and your spouse works

Only if you checked the box in Step 2(c) of your W-4.

Step 4(a): other income (per year)

Step 4(b): deductions (per year)

From the W-4's Deductions Worksheet: tips, overtime, car loan interest, the senior deduction, itemizing.

Step 4(c): extra withholding

Take-home pay per paycheck

$1,845.91

$47,993.46 a year from $59,999.94 gross, 26 paychecks.

Gross pay, each deduction and take-home pay, per paycheck and per year
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	−$3,720.00
Medicare	−$33.46	−$870.00
New Jersey income tax	−$75.15	−$1,954.00
NJ UI/WF/SWF	−$7.32	−$190.40
NJ Disability (TDI)	−$4.38	−$114.00
NJ Family Leave (FLI)	−$5.31	−$138.00
Take-home pay	$1,845.91	$47,993.46

Taxes as a share of pay: 20.0%
Federal taxable wages (year): $59,999.94

Estimates for planning, not tax advice. Your employer's payroll may round differently, and your tax bill when you file can differ from what's withheld.

How New Jersey taxes your paycheck in 2026

New Jersey withholds income tax at graduated rates from 1.5% to 11.8%, using one of two rate tables depending on filing status, after $1,000 for each allowance. Employees also pay 0.425% of their first $44,800 for unemployment and workforce funds, and 0.19% (disability) plus 0.23% (family leave) on their first $171,100.

New Jersey withholding rates, 2026: single or married filing separately
Taxable income	Rate
$0 to $20,000	1.5%
$20,000 to $35,000	2%
$35,000 to $40,000	3.9%
$40,000 to $75,000	6.1%
$75,000 to $500,000	7%
$500,000 to $1,000,000	9.9%
Over $1,000,000	11.8%

New Jersey withholding rates, 2026: married filing jointly
Taxable income	Rate
$0 to $20,000	1.5%
$20,000 to $50,000	2%
$50,000 to $70,000	2.7%
$70,000 to $80,000	3.9%
$80,000 to $150,000	6.1%
$150,000 to $500,000	7%
$500,000 to $1,000,000	9.9%
Over $1,000,000	11.8%

New Jersey withholding rates, 2026: head of household
Taxable income	Rate
$0 to $20,000	1.5%
$20,000 to $50,000	2%
$50,000 to $70,000	2.7%
$70,000 to $80,000	3.9%
$80,000 to $150,000	6.1%
$150,000 to $500,000	7%
$500,000 to $1,000,000	9.9%
Over $1,000,000	11.8%

Exemptions: $1,000 for you, $1,000 for a spouse, $1,000 per dependent.
A traditional 401(k) lowers your New Jersey taxable wages; pre-tax health premiums do.

New Jersey payroll contributions

New Jersey employee payroll taxes, 2026
Contribution	Rate	Wages up to
NJ UI/WF/SWF	0.425%	$44,800
NJ Disability (TDI)	0.19%	$171,100
NJ Family Leave (FLI)	0.23%	$171,100

City and county taxes

New Jersey cities and counties do not withhold income tax from employees' wages.

What this calculator simplifies

This follows New Jersey's withholding tables (Rate A for single or married filing separately, Rate B for married filing jointly and head of household), which estimate the year's tax. Your return can differ.
Allowances: we assume 1 for you, 1 more for a spouse if married, and 1 per dependent ($1,000 each). Form NJ-W4 has no worksheet. If no allowances are entered on line 4, the employer withholds with none.
Married couples who both work, or people with more than one job, may pick a different rate table (C, D or E) on Form NJ-W4. We use the default Rate A or B.
Only 401(k) contributions are pre-tax for New Jersey. 403(b), 457 and other retirement contributions are taxed in New Jersey, and this calculator treats every retirement contribution as a 401(k).
We treat health premiums paid through a cafeteria plan as pre-tax, as New Jersey's withholding guide does for plans that require the money to buy coverage such as medical insurance. New Jersey does not follow the federal rules for health savings accounts (HSAs), so HSA payroll contributions are taxable in New Jersey; this calculator does not separate them out.
Unemployment, disability and family leave contributions are charged on wages before 401(k) and pre-tax health deductions (the NJ Department of Labor counts amounts you could have taken as cash as wages).

Sources

How every number is worked out is on the methodology page.

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