New Jersey Paycheck Calculator
Estimate your 2026 New Jersey take-home pay after federal income tax, New Jersey income tax, Social Security, Medicare, unemployment, disability and family leave deductions.
Graduated rates apply.
The actual withholding depends on NJ-W4 information, filing status and exemptions.
New Jersey Paycheck Calculator 2026
The New Jersey Paycheck Calculator estimates your take-home pay after federal income tax, New Jersey Gross Income Tax and major employee payroll deductions.
New Jersey has a graduated individual income tax. Unlike states such as Nevada and New Hampshire, New Jersey employees generally have state income tax withheld from wages.
The higher your New Jersey taxable income, the higher the marginal tax rate that can apply to the additional income.
New Jersey Income Tax on Wages
New Jersey residents are generally subject to New Jersey Income Tax on wages. New Jersey also generally requires withholding for nonresident employees working physically in New Jersey.
Pennsylvania residents have a special exception under the New Jersey-Pennsylvania reciprocal agreement when the required nonresident certificate is properly provided to the employer.
New Jersey Income Tax Rate Structure
| Approximate Marginal Rate | Taxable Income Range |
|---|---|
| 1.4% | Lower taxable-income bracket |
| 1.75% | Next bracket |
| 2.45% | Next bracket |
| 3.5% | Next bracket |
| 5.525% | Middle/high-income bracket |
| 6.37% | Higher-income bracket |
| 8.97% | High-income bracket |
| 10.75% | Highest New Jersey bracket |
New Jersey’s official tax tables and rate schedules should be used for the final tax calculation. This website provides an estimate rather than an official tax return calculation.
2026 New Jersey Employee Payroll Deductions
| Payroll Deduction | 2026 Employee Rate | 2026 Wage Base | Maximum Annual Employee Contribution |
|---|---|---|---|
| UI / WF / SWF | 0.425% | $44,800 | $190.40 |
| Temporary Disability Insurance | 0.19% | $171,100 | $325.09 |
| Family Leave Insurance | 0.23% | $171,100 | $393.53 |
| Social Security | 6.2% | $184,500 | $11,439.00 |
| Medicare | 1.45% | No Social Security wage cap | Depends on wages |
New Jersey UI, WF and SWF Tax
New Jersey employees contribute to unemployment and workforce development funds. For 2026, the combined employee rate for UI, Workforce Development Partnership Fund and Supplemental Workforce Fund is 0.425% on the first $44,800 of covered wages.
The maximum employee contribution is approximately $190.40.
New Jersey Temporary Disability Insurance
New Jersey Temporary Disability Insurance is partly funded by employee payroll contributions. For 2026, the employee contribution rate is 0.19% on the first $171,100 of covered wages.
That produces a maximum employee contribution of approximately $325.09 for 2026.
New Jersey Family Leave Insurance
Family Leave Insurance is funded entirely by worker payroll deductions. In 2026, employees contribute 0.23% on the first $171,100 of covered wages.
The maximum 2026 employee Family Leave Insurance contribution is $393.53.
The UI/WF/SWF, TDI and FLI deductions are separate from New Jersey Gross Income Tax. They are employee payroll contributions and therefore can affect your actual take-home paycheck.
Social Security Tax in 2026
Social Security is a federal payroll tax. The 2026 Social Security wage base is $184,500 and the employee rate is 6.2%.
The maximum employee Social Security contribution for 2026 is $11,439.
Medicare Tax in 2026
The standard employee Medicare rate is 1.45%. Medicare does not use the Social Security wage base.
An additional 0.9% Additional Medicare Tax can apply above the applicable federal thresholds.
New Jersey Paycheck Frequency
- Weekly: 52 paychecks per year
- Biweekly: 26 paychecks per year
- Semi-monthly: 24 paychecks per year
- Monthly: 12 paychecks per year
New Jersey Paycheck Examples
A $40,000 New Jersey salary is subject to federal taxes, New Jersey income tax and applicable employee payroll contributions.
A $60,000 salary generally has federal and New Jersey income-tax withholding plus applicable payroll contributions.
At $100,000, New Jersey income tax and several state employee payroll contributions continue to affect take-home pay.
Pennsylvania Residents Working in New Jersey
New Jersey and Pennsylvania have a reciprocal income-tax agreement. Pennsylvania residents working in New Jersey may avoid New Jersey income-tax withholding if they properly provide the required Employee’s Certificate of Nonresidence, Form NJ-165.
This calculator includes a Pennsylvania-resident option that sets estimated New Jersey income tax to zero for that situation. Other employee payroll deductions can still apply.
Why Your Actual New Jersey Paycheck May Be Different
- NJ-W4 filing status
- NJ withholding exemptions
- Federal Form W-4
- 401(k) and other retirement contributions
- Health insurance
- HSA and other benefits
- Additional federal withholding
- Additional New Jersey withholding
- Pennsylvania reciprocal-agreement status
- Employer payroll policies
New Jersey Paycheck Calculator FAQ
New Jersey Division of Taxation — Gross Income Tax, income-tax rates, wage withholding and NJ-W4 information.
New Jersey Department of Labor and Workforce Development — 2026 UI, TDI and FLI taxable wage bases and benefit information.
Social Security Administration — 2026 Social Security wage base and federal payroll-tax information.