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New Jersey Paycheck Calculator

New Jersey has seven to eight brackets from 1.4% to 10.75%, no standard deduction, and three separate employee payroll contributions (unemployment, disability and family leave). Use this calculator to see your 2026 take-home pay in New Jersey after federal, state taxes and deductions.

Updated Checked against IRS Pub 15-T & state tables1.4%–10.75%2026 rates
1 · Your pay
Tips, bonus or commission
2 · Your W-4
Other income, deductions & extra withholding
3 · Where you live & work
4 · Benefits & deductions 401(k), health, HSA
5 · New 2026 W-4 deductions New

The One Big Beautiful Bill Act added federal deductions for 2025–2028. Claim them on Step 4(b) of a 2026 W-4 to get the savings in every paycheck instead of waiting for your refund. They don't reduce Social Security, Medicare or (in most states) state tax.

Take-home$1,853.05per paycheck · See breakdown ↓

New Jersey paycheck taxes at a glance (2026)

State income tax1.4% – 10.75% (7 brackets)
Personal exemption$1,000 single · $2,000 married · $1,500 per dependent
State payroll programsNJ UI/WF/SWF (0.425%), NJ disability (TDI) (0.19%), NJ family leave (FLI) (0.23%)
Local income taxesNone
Take-home rank ($75k)#34 of 51

How much is taken out of a $60,000 paycheck in New Jersey?

Single filer, paid bi-weekly, standard 2026 W-4, no benefits:

LinePer paycheckPer year
Gross pay$2,307.69$60,000
Federal income tax−$193.08−$5,020
Social Security (6.2%)−$143.08−$3,720
Medicare (1.45%)−$33.46−$870
New Jersey income tax−$68.01−$1,768
NJ UI/WF/SWF−$7.32−$190
NJ disability (TDI)−$4.38−$114
NJ family leave (FLI)−$5.31−$138
Take-home pay$1,853.05$48,179

A married couple filing jointly on $100,000 in New Jersey takes home about $81,459 a year ($3,133.05 bi-weekly).

New Jersey take-home pay by salary

Single filer, 2026, bi-weekly pay. Click a salary for a full breakdown and comparison with every other state.

SalaryFederal taxFICANew Jersey taxesTake-home / yrPer paycheck
$30,000$1,420$2,295$691$25,594$984.38
$40,000$2,620$3,060$1,021$33,300$1,280.75
$50,000$3,820$3,825$1,616$40,739$1,566.90
$60,000$5,020$4,590$2,211$48,179$1,853.05
$75,000$7,670$5,738$3,103$58,489$2,249.59
$100,000$13,170$7,650$4,792$74,388$2,861.07
$150,000$24,734$11,475$8,187$105,604$4,061.68
$200,000$36,734$14,339$11,461$137,466$5,287.16

New Jersey income tax brackets 2026

Rates apply to New Jersey taxable income after the state standard deduction and exemptions.

Single

New Jersey brackets, single
RateTaxable income
1.4%$0 – $20,000
1.75%$20,000 – $35,000
3.5%$35,000 – $40,000
5.53%$40,000 – $75,000
6.37%$75,000 – $500,000
8.97%$500,000 – $1,000,000
10.75%Over $1,000,000

Married filing jointly

New Jersey brackets, married
RateTaxable income
1.4%$0 – $20,000
1.75%$20,000 – $50,000
2.45%$50,000 – $70,000
3.5%$70,000 – $80,000
5.53%$80,000 – $150,000
6.37%$150,000 – $500,000
8.97%$500,000 – $1,000,000
10.75%Over $1,000,000

New Jersey payroll taxes and contributions

  • NJ UI/WF/SWF — 0.425% on wages up to $44,800. New Jersey employees pay 0.425% toward unemployment and workforce funds on wages up to $44,800.
  • NJ disability (TDI) — 0.19% on wages up to $171,100. NJ Temporary Disability Insurance: 0.19% on wages up to $171,100 in 2026.
  • NJ family leave (FLI) — 0.23% on wages up to $171,100. NJ Family Leave Insurance: 0.23% on wages up to $171,100 in 2026.

How New Jersey compares

On a $75,000 salary, New Jersey ranks #34 of 51 for take-home pay among the 50 states and D.C. A single filer keeps $58,489 a year, or 78% of gross. See the full ranking in take-home pay by state, or browse all state paycheck calculators.

State figures are estimates of your annual New Jersey tax liability, spread evenly across paychecks. Your employer's withholding also depends on your New Jersey withholding certificate, if your state uses one, and can differ slightly.

Frequently asked questions

Does New Jersey have a state income tax?

Yes. New Jersey has state income tax rates from 1.4% to 10.75% for 2026.

How much is $60,000 a year after taxes in New Jersey?

A single filer earning $60,000 in New Jersey takes home about $48,179 a year, or $1,853.05 per bi-weekly paycheck, in 2026. That's after $5,020 federal income tax, $4,590 FICA and $2,211 in New Jersey state taxes.

How much tax is taken out of a paycheck in New Jersey?

On a $60,000 salary, about 19.7% of gross pay goes to taxes in New Jersey: federal income tax (8.4%), Social Security and Medicare (7.65%), and state taxes (3.7%). Your exact share depends on your income, filing status and deductions.

What state payroll deductions are there in New Jersey?

NJ UI/WF/SWF: New Jersey employees pay 0.425% toward unemployment and workforce funds on wages up to $44,800.
NJ disability (TDI): NJ Temporary Disability Insurance: 0.19% on wages up to $171,100 in 2026.
NJ family leave (FLI): NJ Family Leave Insurance: 0.23% on wages up to $171,100 in 2026.

Are there local income taxes in New Jersey?

No. New Jersey cities and counties don't levy a local income tax on wages.

Is New Jersey a good state for take-home pay?

On a $75,000 salary, New Jersey ranks #34 of 51 (50 states + D.C.) for take-home pay, at $58,489 a year for a single filer. Compare all states.

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