New Jersey Paycheck Calculator 2026
Estimate your 2026 take-home pay in New Jersey from your salary. It adds New Jersey income tax, UI, WF/SWF, DI and FLI to the federal lines, with every rate shown and editable.
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About the New Jersey Paycheck Calculator
The New Jersey Paycheck Calculator estimates what is left of a salary earned in New Jersey in the 2026 tax year, after federal income tax, Social Security, Medicare and New Jersey income tax and its four payroll items. Enter your gross salary per year, month, 4 weeks, 2 weeks or week, choose your filing status and, if you save into a traditional 401(k), the share of pay you defer. The result shows net pay per year, per month and per pay period, the total deductions and their share of your gross pay, and a line-by-line breakdown. Every line names its scope ("United States · federal" or "New Jersey"), the 2026 tax year and the rate it charges.
This page opens with New Jersey already chosen. The same calculator covers the other states with confirmed 2026 values on the main Net Salary Calculator and the federal Paycheck Calculator.
What comes off a New Jersey paycheck
Federal lines
Federal income tax uses the 2026 rate schedule from IRS Rev. Proc. 2025-32 on your wages minus the 401(k) and the standard deduction (16,100 single, 32,200 married filing jointly, 24,150 head of household). Social Security is 6.2% of wages up to 184,500, Medicare 1.45% of all wages, and Additional Medicare 0.9% of wages above 200,000 (250,000 for married filing jointly).
New Jersey lines
New Jersey adds its income tax and four worker contributions. The income tax uses Table A for single filers and Table B for married filing jointly and head of household (1.4% to 10.75%), on wages minus the 401(k) minus a 1,000 exemption (2,000 for married filing jointly).
- Income tax: Table A or B, 1.4% to 10.75%
- UI: 0.3825% of wages up to 44,800
- WF/SWF: 0.0425% of wages up to 44,800
- DI: 0.19% of wages up to 171,100
- FLI: 0.23% of wages up to 171,100
Your 401(k)
New Jersey excludes 401(k) deferrals from wages, so a traditional 401(k) lowers federal and New Jersey taxable income. It does not lower Social Security, Medicare or the four payroll items. 403(b) and 457 deferrals are not excluded in New Jersey; the page assumes a 401(k).
Worked example
60,000 a year, single
New Jersey taxable income is 59,000, and Table A gives 59,000 × 5.525% − 1,492.50 = 1,767.25. UI is capped at 44,800: 171.36, WF/SWF 19.04, DI 114.00 and FLI 138.00. With federal income tax of 5,020.00, Social Security 3,720.00 and Medicare 870.00, net pay is 48,180.35 a year. A married couple with one earner on 200,000 pays 8,570.10 in New Jersey income tax, with DI and FLI at their caps of 325.09 and 393.53.
What the estimate leaves out
New Jersey cities and counties do not tax employee wages, so no local income tax is missing from a New Jersey result. The estimate also leaves out credits such as the child tax credit and the earned income credit, itemised deductions, bonuses and supplemental-wage withholding, and the 2025 law's deductions for tips, overtime, seniors and car-loan interest. Married filing jointly assumes one earner. The page works out the 2026 annual liability, not the amount your employer withholds from each paycheck under Publication 15-T, so a payslip can differ by a little each period.
Edit and reset the rates
Every rate sits in the Tax rates panel as a field, with its scope, the tax year and its default beside it. Thresholds, wage bases and allowances show as read-only text. Change a rate and the result updates at once, with an "Edited" marker on the field; Reset to 2026 defaults puts every rate back. Changing the state also restores the defaults. To see what your gross pay is before any tax, use the Gross Pay Calculator.
Official sources
The rules are checked against these pages; the header of the calculator shows the month they were last checked.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. Your salary and the rates you enter are not stored or sent anywhere.
Frequently asked questions
What comes off a paycheck in New Jersey?
Federal income tax, Social Security (6.2% up to 184,500) and Medicare (1.45%, plus 0.9% above 200,000). New Jersey adds income tax (Table A or B, 1.4% to 10.75%), UI of 0.3825% and WF/SWF of 0.0425% up to 44,800, and DI of 0.19% and FLI of 0.23% up to 171,100.
Does a 401(k) lower New Jersey taxes?
Yes for a 401(k), which New Jersey excludes from wages. It does not lower UI, WF/SWF, DI or FLI. 403(b) and 457 deferrals are not excluded in New Jersey.
Are local taxes in New Jersey included?
There are none to include: New Jersey cities and counties do not tax employee wages, so the state and federal lines are the whole estimate.
What is take-home pay on 60,000 in New Jersey?
For a single filer: New Jersey income tax 1,767.25, UI 171.36, WF/SWF 19.04, DI 114.00 and FLI 138.00 on top of the federal lines, so 48,180.35 a year.
Can I change the New Jersey rates?
Yes. Every federal and New Jersey rate is a field in the Tax rates panel with its 2026 default beside it. Edit any of them to see the effect, and press Reset to 2026 defaults to restore them all.