New Jersey payroll · 2026
New Jersey paycheck calculator.
New Jersey take-home pay with state withholding (Rate A or B tables) and the worker-paid contributions New Jersey requires. Everything runs in your browser.
Your pay
Estimated New Jersey paycheck (2026)
New Jersey worked example
- Gross pay $2,400.00 (every two weeks, single), minus $100.00 section 125 and $150.00 traditional 401(k) = $250.00 pre-tax.
- Federal income tax withholding (IRS Pub. 15-T percentage method): $174.15.
- Social Security 6.2% and Medicare 1.45% of $2,300.00: $142.60 and $33.35.
- New Jersey income tax (Rate A table, 1 allowance of $38.40): $65.99.
- NJ unemployment insurance and workforce funds (employee): $10.20.
- NJ temporary disability insurance (employee): $4.56.
- NJ family leave insurance (employee): $5.52.
- Take-home: $1,713.63 per pay period, about $44,554 a year. Total taxes are 18.18% of gross.
Federal income tax uses Form W-4 (2020 or later) with the Step 2 box unchecked and no Step 3 or Step 4 entries.
New Jersey take-home pay at common salaries
Single filer, paid every two weeks, no pre-tax deductions, default entries from the form above. Annual figures after federal tax, FICA and the New Jersey items this page models.
| Salary | New Jersey taxes and premiums / year | Take-home / year | Take-home / month |
|---|---|---|---|
| $40,000 | $1,092 | $33,228 | $2,769 |
| $60,000 | $2,473 | $47,917 | $3,993 |
| $80,000 | $3,894 | $61,216 | $5,101 |
| $100,000 | $5,463 | $73,717 | $6,143 |
| $150,000 | $9,385 | $104,406 | $8,701 |
How it is calculated
Federal withholding is IRS Publication 15-T (2026) Worksheet 1A for a Form W-4 from 2020 or later: annualize taxable wages, subtract the $8,600 standard amount ($12,900 if married filing jointly), apply the annual percentage-method table and divide by pay periods. Social Security is 6.2% up to the 2026 wage base of $184,500, Medicare is 1.45% with no limit, and Additional Medicare Tax is 0.9% on wages beyond $200,000.
New Jersey: income-tax wages for the period minus the allowance value (for example $38.40 biweekly per allowance), then the New Jersey Division of Taxation percentage-method table for Rate A or Rate B for your pay period. Worker-paid contributions: unemployment 0.3825% plus workforce funds 0.0425% on wages up to $44,800, disability 0.19% and family leave 0.23% on wages up to $171,100 (2026 rates from the New Jersey Department of Labor). 401(k) deferrals up to the federal limit are not taxable wages for New Jersey withholding.
Not covered: W-4s from 2019 or earlier, bonuses and other supplemental wages, local taxes, and wage bracket method rounding. These calculators treat state income-tax wages as federal income-tax wages (gross pay less the pre-tax amounts you enter); a state’s own rules for particular benefits can differ.
Sources and as-of dates
- NJ Division of Taxation, Tables for Percentage Method of Withholding (Rates A to E) and NJ-WT instructions (September 2025)
- NJ Division of Taxation, NJ-WT: New Jersey Income Tax Withholding Instructions (September 2025)
- NJ Division of Taxation, Form NJ-W4, Employee’s Withholding Allowance Certificate (filing status boxes, Rate A and Rate B, $1,000 annual allowance)
- NJ Department of Labor and Workforce Development, rate information: 2026 worker contribution rates and taxable wage bases
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods
- IRS Publication 15 (2026), Employer’s Tax Guide
- Figures retrieved October 2026. Federal and state agencies republish these tables each year; this tool covers 2026 only.
FAQ
Which New Jersey withholding table applies to me?
The Division of Taxation’s NJ-WT says an employee who checks box 1 or 3 on line 2 of the NJ-W4 (single or married filing separately) is withheld at Rate A, and boxes 2, 4 or 5 (joint, head of household, widow(er)) at Rate B, unless line 3 names another letter.
Are New Jersey SDI and family leave deducted?
Yes. For 2026 the New Jersey Department of Labor lists worker contributions of 0.19% for temporary disability insurance and 0.23% for family leave insurance, on wages up to $171,100. This page includes both.
Is the New Jersey table up to date?
The Division of Taxation’s posted Tables for Percentage Method of Withholding carry the allowance values ($19.20 weekly, $38.40 biweekly, $41.60 semimonthly, $83.30 monthly) that the September 2025 NJ-WT also lists. The table is headed as applicable from October 1, 2020 and was still the posted version in October 2026; no newer table was found.
Does New Jersey take unemployment tax out of my paycheck?
Yes. Unlike most states, New Jersey workers contribute to unemployment insurance and the workforce funds (0.3825% plus 0.0425% of wages up to $44,800 in 2026), and this page includes it. Disability (0.19%) and family leave (0.23%) are withheld on wages up to $171,100. Source: the New Jersey Department of Labor rate page linked below.
Why does my real paycheck differ from this estimate?
Employers may use wage-bracket tables instead of the formulas used here, round differently, apply your exact Form W-4 and state certificate, and withhold local taxes, benefits and other deductions this tool does not model. Treat the result as an estimate, not tax advice.
What does this calculator not include?
Local income taxes, wage bracket method rounding, W-4s from 2019 or earlier, bonuses and other supplemental wages (flat-rate rules apply), garnishments, and employer-specific deductions. Federal W-4 Step 3 and Step 4 entries are also left out; use the U.S. paycheck calculator if you need them.
More state paycheck calculators
Illinois, Ohio, Georgia, North Carolina, Michigan, Virginia, Massachusetts, Arizona, Colorado. For other states use the U.S. paycheck calculator with your state’s withholding percentage.