Last updated: September 2026

New Jersey Paycheck Calculator

A single filer earning $75,000 in New Jersey keeps about $58,491 a year, or $2,250 every two weeks. New Jersey income tax takes about $2,596 of that salary. Three small state insurance deductions take another $505: disability, family leave, and unemployment.

New Jersey tax data current for 2025 & 2026 · 2027 available as a projection · Updated for the One Big Beautiful Bill Act

Estimate Your Take-Home Pay

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Pre-Tax Deductions (optional)
%

Reduces taxable income. Does not reduce Social Security or Medicare.

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Section 125 plan — reduces income tax and FICA.

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Reduces income tax and FICA.

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From Step 4(c) of your W-4.

Results update automatically as you type.

Estimated Take-Home Pay
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per paycheck
Item Per Check Annual
Gross Pay — —
Federal Income Tax — —
Social Security (6.2%) — —
Medicare (1.45%) — —
Take-Home Pay — —
Effective Tax Rate
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all taxes combined
Total Deductions
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per paycheck

Estimates federal, state, and select city taxes. Actual withholding may vary.

New Jersey Salary After Taxes at Common Pay Levels (2026)

Take-home pay for a single filer in New Jersey after federal income tax, Social Security and Medicare, New Jersey state income tax, and the NJ TDI + FLI + UI premium. Based on the 2026 IRS tables and the New Jersey state 2026 schedule.

Annual Salary Federal Tax FICA NJ Tax TDI/FLI/UI Take-Home Effective Rate
$40,000 $2,620 $3,060 $683 $338 $33,300 16.8%
$60,000 $5,020 $4,590 $1,767 $442 $48,180 19.7%
$80,000 $8,770 $6,120 $2,906 $526 $61,678 22.9%
$100,000 $13,170 $7,650 $4,180 $610 $74,390 25.6%
$150,000 $24,734 $11,475 $7,365 $820 $105,606 29.6%
$200,000 $36,734 $14,339 $10,550 $909 $137,468 31.3%

Single filer, no pre-tax deductions. Assumes year-round wages; standard deduction applied. Effective rate counts every deduction shown, including TDI/FLI/UI. The federal brackets, standard deduction and Social Security wage base behind these figures are on the 2026 tax figures page.

New Jersey Take-Home Pay by Pay Frequency (2026)

The same New Jersey take-home figures divided across common pay schedules — what actually lands in your account each payday, after federal tax, FICA, New Jersey state income tax, and the NJ TDI + FLI + UI premium.

Annual Salary Weekly52/yr Biweekly26/yr Semi-Monthly24/yr Monthly12/yr
$40,000 $640 $1,281 $1,387 $2,775
$60,000 $927 $1,853 $2,008 $4,015
$80,000 $1,186 $2,372 $2,570 $5,140
$100,000 $1,431 $2,861 $3,100 $6,199
$150,000 $2,031 $4,062 $4,400 $8,800
$200,000 $2,644 $5,287 $5,728 $11,456

Biweekly and semi-monthly are not the same thing. Biweekly means every other Friday — 26 paychecks a year, so two months each year contain three paydays. Semi-monthly means twice a month (often the 15th and the last day) — 24 slightly larger paychecks. On a $40,000 salary in New Jersey, that difference is about $107 per check. Annual take-home is identical either way.

Single filer, no pre-tax deductions. Divides annual take-home evenly; real paychecks vary slightly with withholding rounding and benefit deductions.

What's different about a New Jersey paycheck

Three state insurance deductions

For 2026 New Jersey workers pay 0.19% for temporary disability insurance and 0.23% for family leave insurance, both on wages up to $171,100. They also pay 0.425% toward unemployment insurance and the state's workforce funds, on the first $44,800, which tops out at $190.40. On $75,000 the three come to $505 a year. The tables on this page include them.

Two jobs can mean a refund

Each employer takes these contributions separately, so if you work two jobs in one year you can pay more than the annual maximum. You get the excess back by filing Form NJ-2450 with your New Jersey return. If a single employer took too much, that employer refunds it.

A 403(b) doesn't lower New Jersey withholding

Your 401(k) contributions reduce the wages New Jersey taxes, but contributions to a 403(b), 457, or federal Thrift Savings Plan account do not, and neither do HSA contributions. On a $75,000 salary, a $5,000 403(b) contribution still costs about $276 in New Jersey tax that a 401(k) contribution would have saved. The calculator treats its retirement input as a 401(k).

Withholding runs on the NJ-W4 rate tables

New Jersey withholding is set by Form NJ-W4, not your federal W-4. Single filers are withheld at Rate A. Married couples filing jointly default to Rate B. If both spouses work, or you have more than one job, and your combined wages are over $50,000, the form's wage chart points you to a rate table that withholds more. Each allowance you claim lowers withholding by $1,000 a year, or $38.40 per biweekly paycheck.

No flat rate for bonuses

New Jersey has no flat supplemental withholding rate. A bonus paid with your regular wages is added to them and withheld at your usual rate table. A bonus paid on its own is withheld from the same tables, but without your allowances.

Commuting to Pennsylvania or New York

New Jersey and Pennsylvania have a reciprocal agreement. If you live in New Jersey and work in Pennsylvania, your employer withholds New Jersey tax instead of Pennsylvania tax, though Pennsylvania local wage taxes still come out. New York has no such agreement. A New York employer withholds New York tax, and you claim a credit for it on your New Jersey return.

Minimum wage

New Jersey's minimum wage rose to $15.92 an hour on January 1, 2026. Full-time, that is about $33,114 a year, leaving roughly $28,015 after taxes and the state insurance deductions.

For the annual picture, including capital gains, credits, and filing deadlines, see the New Jersey income tax calculator.

New Jersey Income Tax Brackets (2026)

Tax RateSingle FilerMarried Filing Jointly
1.4%$0 – $20,000$0 – $20,000
1.75%$20,000 – $35,000$20,000 – $50,000
2.45%—$50,000 – $70,000
3.5%$35,000 – $40,000$70,000 – $80,000
5.525%$40,000 – $75,000$80,000 – $150,000
6.37%$75,000 – $500,000$150,000 – $500,000
8.97%$500,000 – $1,000,000$500,000 – $1,000,000
10.75%Over $1,000,000Over $1,000,000
Personal exemption
$1,000 single · $2,000 joint

Brackets shown are marginal: each rate applies only to the portion of taxable income within that bracket, not your total income. Taxable income equals gross wages minus pre-tax deductions and the personal exemption.

Top Cities in New Jersey

The largest cities in New Jersey, by U.S. Census Bureau estimate for July 1, 2025:

  • Newark — 323,808 residents
  • Jersey City — 302,013 residents
  • Paterson — 161,793 residents
  • Lakewood — 143,765 residents

How New Jersey Compares to Neighboring States

Single-filer take-home on a $75,000 annual salary in 2026, federal + state income tax + FICA only:

State Take-Home vs. New Jersey
New Jersey (here) $58,997 —
New York $58,140 -$857
Pennsylvania $59,290 +$294
Delaware $57,984 -$1,013

Take-home reflects single filer, no pre-tax deductions; SDI/PFML and local taxes excluded for an apples-to-apples comparison.

Frequently Asked Questions

What is the New Jersey state income tax rate?

New Jersey has progressive income tax brackets ranging from 1.4% to 10.75%. Most middle-income earners hit the middle brackets; the top rate applies only above $1,000,000.

How much is taken out of my paycheck in New Jersey?

For a single filer earning $75,000 in New Jersey (2026): about $7,670 in federal income tax, $5,738 in Social Security and Medicare, $2,596 in New Jersey state income tax, and $505 for the NJ TDI + FLI + UI premium, leaving about $58,491 a year, or $2,250 per biweekly paycheck.

What are the NJ TDI, FLI, and UI deductions on my paycheck?

State insurance contributions. For 2026, temporary disability insurance is 0.19% and family leave insurance 0.23%, both on wages up to $171,100. The UI/WF/SWF line is 0.425% of the first $44,800 of wages, up to $190.40 a year.

Does New Jersey tax 403(b) contributions from my paycheck?

Yes. Only 401(k) deferrals are excluded from New Jersey wages. 403(b), 457, and Thrift Savings Plan contributions are withheld on as ordinary pay.

Which NJ-W4 rate table should I use?

Single filers use Rate A. Married couples filing jointly default to Rate B, but if both spouses work and combined wages are over $50,000, use the wage chart on the NJ-W4, which picks a rate table that withholds enough for your combined wages.

What is the New Jersey minimum wage in 2026?

$15.92 an hour for most employees, effective January 1, 2026.

More New Jersey Calculators

New Jersey Income Tax Calculator
Estimate New Jersey state and federal income tax on your annual income.
New Jersey Sales Tax
New Jersey state and city sales tax rates, with a calculator.

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