New Jersey Paycheck Calculator 2026
Estimate your take-home pay in New Jersey. Enter your salary or hourly wage and see how much federal tax, Social Security, Medicare, New Jersey income tax and NJ disability, family leave and unemployment contributions come out of each paycheck.
Enter your pay
| Per paycheck | Per year |
|---|
How your New Jersey paycheck is calculated
Your take-home pay is your gross pay minus pre-tax deductions and four kinds of taxes. This calculator works out each one for the full year and divides by the number of paychecks.
- Federal income tax on your pay after pre-tax deductions and the 2026 standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household).
- Social Security at 6.2% of wages up to $184,500, and Medicare at 1.45% of all wages, plus 0.9% on wages over $200,000.
- New Jersey income tax on your pay after 401(k) contributions and your personal exemption ($1,000, or $2,000 for a married couple filing jointly).
- New Jersey worker contributions for unemployment, disability and family leave insurance (rates below).
Example: $60,000 a year, single, paid biweekly
| Item | Per year | Per paycheck |
|---|---|---|
| Gross pay | $60,000.00 | $2,307.69 |
| Federal income tax | $5,020.00 | $193.08 |
| Social Security | $3,720.00 | $143.08 |
| Medicare | $870.00 | $33.46 |
| New Jersey income tax | $1,767.25 | $67.97 |
| NJ unemployment, disability, family leave | $442.40 | $17.02 |
| Take-home pay | $48,180.35 | $1,853.09 |
Federal: $60,000 − $16,100 = $43,900 taxable, which is 10% of the first $12,400 plus 12% of the remaining $31,500 = $5,020. New Jersey: $60,000 − $1,000 = $59,000 taxable, taxed through the brackets below = $1,767.25.
New Jersey income tax rates for 2026
New Jersey has a graduated income tax from 1.4% to 10.75%. Single filers use one table; married couples filing jointly and heads of household use another with wider brackets. The rates have not changed since 2020.
| Rate | Single | Married filing jointly, head of household |
|---|---|---|
| 1.4% | $0 to $20,000 | $0 to $20,000 |
| 1.75% | $20,000 to $35,000 | $20,000 to $50,000 |
| 2.45% | n/a | $50,000 to $70,000 |
| 3.5% | $35,000 to $40,000 | $70,000 to $80,000 |
| 5.525% | $40,000 to $75,000 | $80,000 to $150,000 |
| 6.37% | $75,000 to $500,000 | $150,000 to $500,000 |
| 8.97% | $500,000 to $1,000,000 | $500,000 to $1,000,000 |
| 10.75% | Over $1,000,000 | Over $1,000,000 |
NJ unemployment, disability and family leave deductions
New Jersey is one of the few states where employees pay into state insurance programs through payroll. These show on your pay stub as UI, WF/SWF, DI (or TDI) and FLI.
| Program | 2026 worker rate | On wages up to | Yearly maximum |
|---|---|---|---|
| Unemployment insurance (UI) | 0.3825% | $44,800 | $171.36 |
| Workforce development (WF/SWF) | 0.0425% | $44,800 | $19.04 |
| Temporary disability insurance (DI) | 0.19% | $171,100 | $325.09 |
| Family leave insurance (FLI) | 0.23% | $171,100 | $393.53 |
Once your year-to-date wages pass the limit, that deduction stops for the rest of the year, so your later paychecks get slightly bigger. If your employer has a private disability plan approved by the state, you may not see the DI deduction.
Things that change your NJ take-home pay
- No local income tax. New Jersey cities and counties don’t tax employees’ wages, so there’s nothing to add for where you live or work within the state.
- 401(k) vs. health premiums. Traditional 401(k) contributions lower both your federal and NJ taxable income. Health, dental and FSA deductions lower your federal tax, Social Security and Medicare, but New Jersey still taxes them, which the calculator accounts for.
- Living in Pennsylvania. New Jersey and Pennsylvania have a reciprocal agreement, so Pennsylvania residents working in New Jersey can file a form with their employer to have Pennsylvania tax withheld instead of New Jersey tax.
- Commuting to New York. If you live in New Jersey and work in New York, New York tax is withheld from your pay, and you claim a credit for it on your NJ return. This calculator assumes you work in New Jersey.
- Your W-4 and NJ-W4. Your actual withholding depends on the forms you filed with your employer, so your pay stub may differ from this estimate even when your yearly tax ends up the same.
Accuracy and limitations
- This is an estimate of your 2026 tax for the year, spread evenly across paychecks. Employers use IRS and NJ withholding tables, which can produce slightly different amounts per paycheck.
- It assumes this job is your only income, and you take the standard deduction. The Child Tax Credit and the credit for other dependents are included when you enter dependents; other credits are not.
- It doesn’t include bonuses or other income. Overtime is included when you enter it with an hourly wage.
- NJ worker contributions are calculated on your gross pay for the year.
For general information only; not tax, legal or financial advice.
Frequently asked questions
How much is $60,000 a year after taxes in New Jersey?
About $48,180 a year, or $1,853 every two weeks, for a single filer with no pre-tax deductions in 2026.
What is NJ FLI on my pay stub?
Family Leave Insurance. It funds paid leave to bond with a new child or care for a sick family member. In 2026 workers pay 0.23% of wages up to $171,100.
What is NJ SDI or DI on my pay stub?
State Disability Insurance (temporary disability). It pays benefits if you can’t work because of a non-work illness or injury, including pregnancy. In 2026 workers pay 0.19% of wages up to $171,100.
Does New Jersey tax 401(k) contributions?
No. Traditional 401(k) contributions are excluded from New Jersey wages, the same as for federal income tax. Contributions to some other plans, like 403(b) plans, are treated differently, so check with your employer.
Why is my NJ paycheck bigger later in the year?
Your unemployment and workforce contributions stop after the first $44,800 of wages. If you earn more than $184,500, Social Security also stops for the rest of the year.
Does the calculator save what I type?
No. The math runs in your browser and the numbers you type are not sent to our server or stored.
Related calculators
- Paycheck calculators by state
- Salary to hourly calculator
- Raise calculator: see what a raise adds to your NJ paycheck, then run the new salary here.
Sources
- IRS, Revenue Procedure 2025-32: 2026 federal tax brackets and standard deductions.
- Social Security Administration: 2026 Social Security wage base ($184,500).
- New Jersey Division of Taxation: Gross Income Tax rate tables and personal exemptions.
- New Jersey Department of Labor: 2026 worker contribution rates and taxable wage bases.
About this calculator. Built and maintained by Mubarak Hussain. Tax year 2026. Figures last checked against official sources in October 2026 and updated every January.
Found an error? Tell us and we will check and correct it.