How New Jersey taxes your paycheck
New Jersey employers withhold income tax with the Division of Taxation's percentage method tables. Your yearly pay, minus $1,000 for each allowance on your Form NJ-W4, goes through a rate table that starts at 1.5% and rises in steps to 11.8% on taxable pay above $1,000,000.
The table depends on the filing status on your NJ-W4. Single filers and married people filing separately are withheld at Rate A. Married couples filing jointly, heads of household and surviving spouses are withheld at Rate B unless they pick a different table from the wage chart on the form, which is meant for households with more than one income. This calculator uses Rate A or Rate B, based on the filing status you choose for your W-4.
New Jersey does not follow the federal rules for pre-tax deductions. Contributions to a 401(k) are left out of New Jersey taxable pay, up to the federal limit, but contributions to other retirement plans are taxed in the year you make them. The state's withholding instructions also count amounts taken out of cafeteria plans as taxable pay, so this calculator does not subtract pre-tax health premiums before figuring New Jersey income tax.
Three worker contributions come out of a New Jersey paycheck in 2026. Unemployment insurance and the workforce funds take 0.425% of the first $44,800 you earn, at most $190.40 for the year. Temporary disability insurance takes 0.19% and family leave insurance 0.23%, each on the first $171,100, at most $325.09 and $393.53.
New Jersey and Pennsylvania have a reciprocal agreement. A Pennsylvania resident who works in New Jersey can give the employer Form NJ-165 so that New Jersey income tax is not withheld. This calculator is for people who live and work in New Jersey.
| Deduction | Rate | Applies to wages up to |
|---|---|---|
| Federal income tax | 10% to 37% | No limit |
| Social Security | 6.2% | $184,500 |
| Medicare | 1.45% (2.35% over $200,000) | No limit |
| New Jersey income tax | 1.5% to 11.8% | No limit |
| NJ unemployment insurance | 0.425% | $44,800 |
| NJ disability insurance (TDI) | 0.19% | $171,100 |
| NJ family leave (FLI) | 0.23% | $171,100 |
- NJ unemployment insurance: 0.3825% for unemployment insurance plus 0.0425% for the workforce funds, on the first $44,800 you earn in 2026. The most you can pay is $190.40.
- NJ disability insurance (TDI): 0.19% of the first $171,100 you earn in 2026, at most $325.09.
- NJ family leave (FLI): 0.23% of the first $171,100 you earn in 2026, at most $393.53.
New Jersey withholding rates
| Yearly taxable pay | Rate on that part |
|---|---|
| $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% |
Taxable pay here is your yearly pay after 401(k) contributions, minus $1,000 for each allowance. Married filers and heads of household use a separate schedule with the same rates on the first $35,000 of taxable pay.
How to use the New Jersey paycheck calculator
Enter your salary, or your hourly wage and hours, choose how often you are paid and pick the filing status on your W-4. The calculator estimates your New Jersey (NJ) take-home pay for each paycheck and for the year, after federal income tax, Social Security, Medicare, New Jersey income tax and New Jersey payroll deductions.
It follows the published withholding formulas that employers' payroll systems use, so it works as a paycheck estimator for a job offer, a raise or a change to your W-4. Open "401(k), benefits and W-4 details" to add pre-tax deductions, dependents or extra withholding. Your real paycheck can differ if your employer takes out deductions the calculator does not know about.
New Jersey take-home pay examples
Single filer, paid every two weeks, standard W-4 with no dependents, no 401(k) or pre-tax benefits, in New Jersey with no allowances on Form NJ-W4.
| Salary | Per paycheck | Per year | Taxes per year |
|---|---|---|---|
| $30,000 | $981.99 | $25,531.50 | $4,468.50 |
| $40,000 | $1,276.42 | $33,187.00 | $6,813.00 |
| $50,000 | $1,559.62 | $40,549.60 | $9,450.40 |
| $60,000 | $1,843.56 | $47,932.60 | $12,067.40 |
| $75,000 | $2,236.82 | $58,157.10 | $16,842.90 |
| $100,000 | $2,841.90 | $73,889.60 | $26,110.40 |
| $150,000 | $4,030.41 | $104,790.60 | $45,209.40 |
| Hourly rate | Per week | Per year | Before taxes |
|---|---|---|---|
| $15.00 an hour | $508.87 | $26,461.56 | $31,200 |
| $20.00 an hour | $660.79 | $34,361.48 | $41,600 |
| $25.00 an hour | $808.19 | $42,026.20 | $52,000 |
| $30.00 an hour | $955.85 | $49,704.52 | $62,400 |
| $40.00 an hour | $1,217.65 | $63,317.36 | $83,200 |
| $50.00 an hour | $1,469.37 | $76,406.80 | $104,000 |
New Jersey paycheck questions
What is the New Jersey income tax rate on a paycheck in 2026?
Withholding starts at 1.5% of taxable pay and rises in steps. For single filers it is 1.5% on the first $20,000 a year, 2% up to $35,000, 3.9% up to $40,000, 6.1% up to $75,000, 7% up to $500,000, 9.9% up to $1,000,000 and 11.8% above that. Taxable pay is your yearly pay minus $1,000 per allowance.
What are the New Jersey payroll deductions in 2026?
Workers pay 0.425% for unemployment insurance and the workforce funds on the first $44,800 of wages, and 0.19% for temporary disability insurance plus 0.23% for family leave insurance on the first $171,100.
How much is NJ family leave insurance (FLI) in 2026?
0.23% of wages up to $171,100, so the most a worker pays for the year is $393.53.
How much is NJ disability insurance (TDI or SDI) in 2026?
0.19% of wages up to $171,100, so the most a worker pays for the year is $325.09.
Does New Jersey tax 401(k) contributions?
No, up to the federal limit. Contributions to other kinds of retirement plans are taxed by New Jersey in the year you make them.
Are pre-tax health premiums taxed in New Jersey?
They still lower your federal income tax, Social Security and Medicare. For New Jersey income tax, the state's withholding instructions count amounts taken out of cafeteria plans as taxable pay, so this calculator leaves them in.
What is the difference between Rate A and Rate B on Form NJ-W4?
Rate A is for single filers and married people filing separately. Rate B is for married couples filing jointly, heads of household and surviving spouses. The two are the same on the first $35,000 of taxable pay a year; above that, Rate B withholds less.
Sources
- New Jersey Division of Taxation: tables for percentage method of withholding
- New Jersey Division of Taxation: NJ-WT, Income Tax Withholding Instructions
- New Jersey Division of Taxation: Form NJ-W4, Employee's Withholding Allowance Certificate
- New Jersey Department of Labor: 2026 contribution rates and taxable wage bases
- IRS: tax inflation adjustments for tax year 2026
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods
- Social Security wage base for 2026
- 2026 401(k) contribution limit
Tax figures last reviewed October 7, 2026. How we calculate