How to use the New Jersey paycheck calculator
- 1 Enter your pay and choose whether it is a yearly salary or an hourly wage (with hours a week).
- 2 Choose how often you are paid and your filing status.
- 3 Enter your children under 17 and your 401(k) contribution.
- 4 Read your take-home pay per paycheck and every deduction.
Worked example
A single New Jersey worker earning $60,000 a year, paid every two weeks, with 5% to a 401(k). From each $2,307.69 check: $115.38 of 401(k), $179.23 of federal tax, $176.54 of Social Security and Medicare, $61.60 of NJ income tax, $7.32 of UI/WF/SWF, $4.38 of TDI and $5.31 of FLI. Take-home pay is $1,757.93 a paycheck, or $45,706 a year.
Getting more from a New Jersey paycheck
- Check your pay stub against the calculator once a year.
- Raise your 401(k) to cut federal and state tax.
- Update your W-4 after marriage, a child or a raise.
- Watch the wage caps: UI stops at $44,800 and TDI and FLI at $171,100.
Compare with the New York Paycheck Calculator, the Pennsylvania Paycheck Calculator and check withholding with the W-4 Withholding Calculator.
Features
NJ brackets
1.4% to 10.75%, single and joint schedules.
UI, TDI and FLI
All three employee payroll contributions with their wage caps.
Salary or hourly
Enter a yearly salary or an hourly wage.
When to use it
Commuting to New York
Compare with the New York Paycheck Calculator.
Comparing offers
See take-home pay for each offer. Convert hourly pay with the Hourly to Salary Calculator.
Retirement saving
See your 401(k) growth with the 401(k) Calculator.
Withholding check
Check your W-4 with the W-4 Withholding Calculator.
Related Pay and Salary tasks
Frequently asked questions
How much is taken out of a New Jersey paycheck?
On a $60,000 salary paid every two weeks with 5% to a 401(k), about $62 of NJ income tax and $17 of NJ payroll contributions come out of each check, on top of $179 of federal tax and $177 of Social Security and Medicare.
What are the New Jersey tax brackets for 2026?
Single filers: 1.4% to $20,000, 1.75% to $35,000, 3.5% to $40,000, 5.525% to $75,000, 6.37% to $500,000, 8.97% to $1 million and 10.75% above. Joint filers and heads of household have a wider schedule with a 2.45% bracket.
Does New Jersey have a standard deduction?
No. Instead there is a $1,000 exemption for each filer (so $2,000 on a joint return), $1,500 for each dependent and extra exemptions for people 65 or older, blind or disabled, and veterans.
What is NJ UI/WF/SWF on my pay stub?
Your share of unemployment insurance and workforce funds: 0.425% of the first $44,800 of wages in 2026, at most $190.40 a year.
What is NJ TDI?
Temporary disability insurance: 0.19% of the first $171,100 of wages in 2026, at most $325.09. It pays benefits if you cannot work because of a non-work illness or injury.
What is NJ FLI?
Family leave insurance: 0.23% of the first $171,100 of wages in 2026, at most $393.53. It pays benefits while you bond with a new child or care for a family member.
Are there local income taxes in New Jersey?
No local income tax for most workers. Newark employers pay a payroll tax, but it is not taken from employees' pay.
Do I pay NJ tax if I work in New York?
New Jersey residents pay New York tax on New York wages and claim a credit on their NJ return, so in effect they pay the higher of the two rates.
Do 401(k) contributions reduce NJ tax?
Yes. New Jersey excludes 401(k) contributions from taxable wages, though not 403(b) and some other plans in the same way. They do not reduce Social Security, Medicare or the NJ payroll contributions.
Does Pennsylvania-New Jersey reciprocity apply?
Yes. New Jersey and Pennsylvania have a reciprocal agreement: residents of one who work in the other pay tax only to their home state on wages.
Results are estimates based on the official rates linked above. Confirm important figures with the issuing authority or a qualified adviser before you act on them.
Built and reviewed by Hamza Farooq, founder and lead developer
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