New Jersey paycheck calculator 2026
New Jersey withholds income tax from wages with five rate tables (A to E) from 1.5% to 11.8%, chosen from the employee's NJ-W4.
Enter pay details
Federal tax on a bonus paid on its own check is a flat 22% (37% above $1M of bonuses in the year). Your W-4 doesn't change it.
Per paycheck. Calculating from gross pay → other amounts
No state income tax on wages here.
More W-4, deductions and employer settings
- Standard deduction $16,100 single, $32,200 married jointly, $24,150 head of household
- Social Security 6.2% up to $184,500 · Medicare 1.45% (+0.9% over $200,000)
- FUTA 0.6% on the first $7,000 · bonus withholding 22%
- 401(k) limit $24,500 ($32,500 at 50+, $35,750 at 60–63)
Paycheck breakdown
Employer taxes (on top of gross pay)
Where the employer's money goes
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New Jersey payroll taxes and rules for 2026
New Jersey withholds income tax from wages with five rate tables (A to E) from 1.5% to 11.8%, chosen from the employee's NJ-W4. Employees also pay 0.425% for unemployment and workforce funds on the first $44,800, plus 0.19% disability and 0.23% family leave insurance on the first $171,100. Employers pay unemployment insurance (2.6825% for new employers), disability insurance and workforce fund contributions on the first $44,800.
- Income tax
- 1.5% to 11.8% in withholding rate tables A to E · Employee form: NJ-W4
- Single and married/civil union partner separate filers are withheld at Rate A. Married joint, head of household and qualifying widow(er) filers use Rate B unless they pick a letter from the NJ-W4 wage chart.
- Each allowance is $1,000 a year ($38.40 biweekly).
- 401(k) deferrals up to the federal limit are not New Jersey wages. Deferrals to 403(b), 457 and other plans are.
- Section 125 deductions are excluded only when the cafeteria plan requires part of the benefit dollars to buy certain coverage.
- Employee deductions
- Unemployment insurance and workforce funds (UI, WF/SWF): 0.425% (0.3825% + 0.0425%) of the first $44,800
- Temporary disability insurance (TDI): 0.19% of the first $171,100 Maximum $325.09 in 2026.
- Family leave insurance (FLI): 0.23% of the first $171,100 Maximum $393.53 in 2026.
- Employer taxes
- Unemployment Insurance (UI): 2.6825% for new employers on the first $44,800 per employee
- Temporary disability insurance (employer): 0.50% for new employers on the first $44,800 Experienced employers receive a rate on the annual notice.
- Workforce Development / Supplemental Workforce Fund (employer): 0.1175% of the first $44,800
- Local taxes
- New Jersey municipalities do not withhold income tax from wages.
- Bonuses
- New Jersey has no flat supplemental rate. Supplemental wages paid with regular wages are added to them and withheld at the combined amount. Supplemental wages paid at a different time are withheld from the rate table without the employee's allowances.
- Minimum wage 2026
- $15.92 per hour $15.23 for employers with fewer than 6 employees and for seasonal employment.
- Pay frequency
- At least twice each calendar month on regular paydays set in advance. Executive, supervisory and certain other classes may be paid monthly.
- Final paycheck
- By the next regular payday for the pay period, whether the employee quit or was fired.
- New-hire reporting
- Within 20 days of the hire or rehire date.
- Reciprocity
- Pennsylvania. Pennsylvania residents working in New Jersey who file Form NJ-165 have Pennsylvania tax withheld instead of New Jersey tax.
Checked against official sources on October 5, 2026:
- NJ Division of Taxation: New Jersey withholding rate tables
- NJ Division of Taxation: NJ-WT Income Tax Withholding Instructions (Rev. September 2025)
- Form NJ-W4
- NJDOL: Employer contribution rates and wage bases
- NJDOL: 2026 benefit rates and wage bases
- NJDOL: Wage and Hour Compliance FAQs for workers
- U.S. DOL: State minimum wage laws
- HHS ACF: State new hire reporting contacts and program requirements
Take-home pay in New Jersey by salary
| Salary | Federal tax | FICA | New Jersey taxes | Take-home / year | Per paycheck | Employer cost |
|---|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,145 | $33,175 | $1,276 | $44,422 |
| $60,000 | $5,020 | $4,590 | $2,469 | $47,921 | $1,843 | $66,110 |
| $80,000 | $8,770 | $6,120 | $3,814 | $61,296 | $2,358 | $87,640 |
| $100,000 | $13,170 | $7,650 | $5,298 | $73,882 | $2,842 | $109,170 |
| $150,000 | $24,734 | $11,475 | $9,008 | $104,783 | $4,030 | $162,995 |
Single filer, paid every two weeks, 2026 W-4 with no adjustments, default New Jersey withholding settings, no 401(k) or benefits, new-employer unemployment rate. New Jersey taxes include state income tax and employee-paid state programs; local taxes are not included unless the default setting includes them.
How the federal part works, step by step: the 2026 paycheck guide · New Hampshire · New Mexico
New Jersey paycheck questions
Which NJ rate table applies to a married employee?
Rate B, unless the employee entered a letter on NJ-W4 line 3. The NJ-W4 wage chart steers two-earner couples to Rate A, C, D or E.
Does a 403(b) deferral reduce New Jersey wages?
No. New Jersey excludes only 401(k) elective deferrals up to the federal limit. 403(b) and 457 deferrals stay in New Jersey wages.
What do New Jersey employees pay besides income tax in 2026?
0.425% for unemployment and workforce funds on the first $44,800, plus 0.19% disability and 0.23% family leave insurance on the first $171,100.
Do Pennsylvania residents pay New Jersey tax?
Not on wages, if they file Form NJ-165 with the employer. The employer then withholds Pennsylvania tax under the reciprocal agreement.
How much is $60,000 a year after taxes in New Jersey?
About $47,921 a year, or $1,843 every two weeks, for a single filer with no other W-4 adjustments in 2026. Federal income tax is $5,020, Social Security and Medicare $4,590, and New Jersey taxes and payroll deductions $2,469.
What does a $60,000 employee cost an employer in New Jersey?
$66,110 a year before benefits: the salary plus the 7.65% FICA match, federal unemployment (FUTA) and New Jersey unemployment insurance at the new-employer rate of 2.6825% on the first $44,800, plus employer-paid state programs.
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