New Jersey paycheck calculator for 2026
Type your pay before tax and how often it lands. See what federal tax, Social Security, Medicare and New Jersey take, and what's left, per paycheck and for the year.
Checked October 27, 2026
New Jersey taxes wages at 1.4% to 10.75%. On $60,000 a year, single, paid every two weeks, take-home in New Jersey comes to about $1,853 a paycheck, after $68 of New Jersey income tax. The calculator below works it out for your pay.
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Take-home pay
$1,996per paycheck
| Line | Per paycheck | A year |
|---|---|---|
| Pay before tax | $2,500 | $65,000 |
| Federal income tax | −$216 | −$5,620 |
| Social Security (6.2%) | −$155 | −$4,030 |
| Medicare (1.45%) | −$36 | −$943 |
| New Jersey income tax | −$79 | −$2,044 |
| Unemployment insurance and workforce fund | −$7 | −$190 |
| Temporary disability insurance | −$5 | −$124 |
| Family leave insurance | −$6 | −$150 |
| Take-home | $1,996 | $51,901 |
An estimate for 2026: the year's income tax spread evenly over your paychecks, using the standard deduction. Your employer uses the IRS withholding tables and your W-4, so a real paycheck can be a little different. Credits (like the child tax credit), other income and local taxes aren't included.
How New Jersey taxes a paycheck
New Jersey hadn't published its 2026 figures when we checked, so the state part uses its 2025 figures. Federal figures are for 2026.
- New Jersey taxes wages at seven rates, from 1.4% to 10.75%. A single filer pays 1.4% up to $20,000, 1.75% to $35,000, 3.5% to $40,000, 5.525% to $75,000 and 6.37% from there to $500,000.
- Married couples filing jointly, heads of household and surviving spouses use a separate schedule: 1.4% to $20,000, 1.75% to $50,000, 2.45% to $70,000, 3.5% to $80,000, 5.525% to $150,000 and 6.37% to $500,000.
- New Jersey has no standard deduction. Each filer gets a $1,000 exemption for themselves and for a spouse, with another $1,000 for each dependent, for being 65 or older, and for being blind or disabled.
- Unlike the federal tax, New Jersey counts employee and employer 401(k) contributions up to the federal limit as taxable income.
- Workers pay three payroll programs in 2026: 0.425% for unemployment insurance and the workforce fund on the first $44,800 of wages, 0.19% for temporary disability insurance and 0.23% for family leave insurance, both on the first $171,100.
New Jersey has 7 tax brackets, from 1.4% up to 10.75%. There is no standard deduction. A single filer gets a personal exemption of $1,000. New Jersey taxes 401(k) contributions in the year you earn them.
| Rate | Taxable income, single |
|---|---|
| 1.4% | $0 to $20,000 |
| 1.75% | $20,000 to $35,000 |
| 3.5% | $35,000 to $40,000 |
| 5.53% | $40,000 to $75,000 |
| 6.37% | $75,000 to $500,000 |
| 8.97% | $500,000 to $1,000,000 |
| 10.75% | $1,000,000 and up |
| Rate | Taxable income, married filing jointly |
|---|---|
| 1.4% | $0 to $20,000 |
| 1.75% | $20,000 to $50,000 |
| 2.45% | $50,000 to $70,000 |
| 3.5% | $70,000 to $80,000 |
| 5.53% | $80,000 to $150,000 |
| 6.37% | $150,000 to $500,000 |
| 8.97% | $500,000 to $1,000,000 |
| 10.75% | $1,000,000 and up |
What else comes out of a New Jersey paycheck
- Unemployment insurance and workforce fund: 0.43% of wages, on the first $44,800.
- Temporary disability insurance: 0.19% of wages, on the first $171,100.
- Family leave insurance: 0.23% of wages, on the first $171,100.
Workers pay three payroll programs in 2026: 0.425% for unemployment insurance and the workforce fund on the first $44,800 of wages, 0.19% for temporary disability insurance, and 0.23% for family leave insurance, both on the first $171,100.
How often New Jersey employers pay
New Jersey's Wage Payment Law (N.J.S.A. 34:11-4.2) says employers pay the full amount of wages at least twice during each calendar month, on paydays set in advance. Executive, supervisory and other special classes can be paid less often if they are paid in full at least once a month on a set schedule. The pay period must end no more than 10 working days before payday.
More about New Jersey pay
Unlike the federal tax, New Jersey counts 401(k) contributions as taxable income, so saving in a 401(k) doesn't lower your state tax.
A worked example
$60,000 a year, single, paid every two weeks (26 paychecks of $2,307.69), with nothing taken out before tax:
| Line | Per paycheck | A year |
|---|---|---|
| Pay before tax | $2,308 | $60,000 |
| Federal income tax | $193 | $5,020 |
| Social Security | $143 | $3,720 |
| Medicare | $33 | $870 |
| New Jersey income tax | $68 | $1,767 |
| Unemployment insurance and workforce fund | $7 | $190 |
| Temporary disability insurance | $4 | $114 |
| Family leave insurance | $5 | $138 |
| Take-home | $1,853 | $48,180 |
Other states
50 other states are in the paycheck tax calculator.
Questions people ask
How much is $60,000 a year after taxes in New Jersey?
About $48,180 a year, or $1,853 a paycheck paid every two weeks, for a single filer with no 401(k) or health insurance through work. Federal income tax is $5,020, Social Security $3,720, Medicare $870, and New Jersey income tax $1,767, plus $442 for Unemployment insurance and workforce fund and Temporary disability insurance and Family leave insurance.
Does New Jersey have a state income tax?
Yes. New Jersey taxes wages at 1.4% to 10.75%.
Does a 401(k) lower New Jersey income tax?
No. New Jersey taxes the money you put in a traditional 401(k) in the year you earn it, unlike the federal income tax.
Does a 401(k) lower New Jersey income tax?
No. New Jersey counts employee 401(k) contributions up to the federal limit as taxable income, though they still cut your federal tax.
Do New Jersey workers pay unemployment tax?
Yes. Workers pay 0.425% for unemployment insurance and the workforce fund on the first $44,800 of wages in 2026.
How often must a New Jersey employer pay?
At least twice a month. Executives and some other classes can be paid monthly if the schedule is set.
Sources
12 sources · read October 27, 2026
Every number on this page comes from nj.gov and irs.gov. If a source has changed since, the source is right.
- 1New Jersey Division of Taxation: 2025 NJ-1040 instructions and tax rate schedulesnj.gov
- 2New Jersey Department of Labor: 2026 taxable wage basesnj.gov
- 3New Jersey Department of Labor: contribution rates for employers and workersnj.gov
- 4New Jersey Temporary Disability Insurance: worker contributionnj.gov
- 5New Jersey Family Leave Insurance: worker contributionnj.gov
Show 7 moreShow fewer
- 6New Jersey Department of Labor: Selected State Labor Lawsnj.gov
- 7IRS: Rev. Proc. 2025-32 (2026 tax brackets and standard deduction)irs.gov
- 8IRS: Topic 751, Social Security and Medicare withholding rates (2026 wage base $184,500)irs.gov
- 9IRS: Topic 560, Additional Medicare Taxirs.gov
- 10IRS: Topic 424, 401(k) plans (deferrals still owe Social Security and Medicare)irs.gov
- 11IRS: Publication 15-B, Table 2-1 (health benefits through work are exempt)irs.gov
- 12IRS: Publication 15-T, Table 3 (pay periods per year)irs.gov
Wonderful gives general information. It isn't a financial or tax advisor.