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New Jersey Paycheck Calculator
See exactly what lands in your bank account — taxes, deductions, all of it.
Income Information
Tax Information
Tax Exemptions
Salary Breakdown (Equivalency Table)
| Time Period | Gross Pay | Net Pay (Take-Home) |
|---|
Pay Stub — Detailed Breakdown
Earnings
| Description | Current | Annual |
|---|
Taxes
| Description | Current | Rate | Annual |
|---|
Tax Rate Analysis
Where Your Money Goes
Visual Analysis
Income Distribution
Tax Breakdown
Take-Home Pay vs. Salary
Annual Limits & Progress
💡 Tax Savings Simulator
Move the slider to see how increasing your pre-tax contributions (401k/HSA) reduces your tax bill.
Plan Ahead
Generated with the free paycheck calculator at paycheckcalculator.us
⚠ This tool is for educational and informational purposes only. It is not financial or tax advice. Always consult a qualified tax professional.
New Jersey income tax at a glance
| Tax type | Progressive brackets |
|---|---|
| Supplemental withholding rate | 6.37% |
| Personal allowance (single) | $1,000 |
| Dependent allowance | $1,000 |
| Mandatory state payroll premiums | NJ UI/WF (worker), NJ Disability (TDI), NJ Family Leave (FLI) |
| Data | Data verified: 2026-10-25 · Source: official agency source; official agency source; official agency source |
New Jersey tax brackets (single filers)
| Taxable income from | Up to | Rate |
|---|---|---|
| $0 | $20,000 | 1.5% |
| $20,000 | $35,000 | 2% |
| $35,000 | $40,000 | 3.9% |
| $40,000 | $75,000 | 6.1% |
| $75,000 | $500,000 | 7% |
| $500,000 | $1,000,000 | 9.9% |
| $1,000,000 | and up | 11.8% |
NJ WITHHOLDING per NJ-WT (Sept 2025) + Tables for Percentage Method (wages paid on/after Oct 1 2020, still current): Rate A for NJ-W4 box 1/3 (single, married filing separately), Rate B for box 2/4/5 (married joint, head of household, surviving spouse); $1,000 per withholding allowance (self, spouse, dependents). 401(k) is NOT pre-tax for NJ. Worker contributions 2026 (NJ DOL): UI+WF 0.425% to $44,800; TDI 0.19% and FLI 0.23% to $171,100. 2027 bases: $46,400 / $177,100 (rates TBD).
New Jersey paycheck FAQs
How much is New Jersey income tax?
New Jersey uses progressive income tax brackets ranging from 1.5% up to 11.8%. The rate withheld from a New Jersey paycheck depends on taxable income and filing status (see the bracket table above).
What payroll taxes are withheld from a New Jersey paycheck?
Every New Jersey paycheck has federal FICA withheld: Social Security at 6.2% up to the annual wage base and Medicare at 1.45% (plus 0.9% additional Medicare on high wages), along with federal income tax withholding. New Jersey also withholds mandatory state payroll premiums: NJ UI/WF (worker), NJ Disability (TDI), NJ Family Leave (FLI).
Does New Jersey have local city or county income tax?
No local income tax is withheld on New Jersey paychecks. The calculator applies only federal and New Jersey state-level taxes.
Is this New Jersey calculator's data verified?
Yes. The New Jersey tax data in this calculator was verified against the official agency source on 2026-10-25. The source document is linked in the summary table above.
Compare New Jersey with nearby states
- New York paycheck calculator
- Delaware paycheck calculator
- Connecticut paycheck calculator
- Maryland paycheck calculator
Tax data verified against official sources on 2026-10-25. Estimates only — not tax advice.