New Jersey Paycheck Calculator 2026
New Jersey has seven to eight tax brackets, uses personal exemptions instead of a standard deduction, and takes extra payroll contributions.
Your details
Estimated take-home pay (Bi-weekly (every 2 weeks))
$2,269.10
$58,997 per year · 78.7% of gross
Deduction breakdown (per paycheck)
- Gross pay
- $2,884.62
- − Federal income tax
- $295.00
- − Social Security (FICA)
- $178.85
- − Medicare (FICA)
- $41.83
- − New Jersey state income tax
- $99.85
- Take-home pay
- $2,269.10
Estimate for 2026 using the rules on our methodology page. It is not tax advice; your employer's withholding and your return can differ.
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Create a pay stub from these numbersHow taxes work in New Jersey
New Jersey uses a progressive state income tax with marginal rates ranging from 1.4% to 10.8%. As with the federal system, only the portion of your income that falls inside each bracket is taxed at that bracket's rate.
New Jersey uses personal exemptions or a federal-income-based starting point rather than a flat standard deduction, so low earners may owe less than a simple bracket calculation suggests.
These state brackets are applied in addition to federal income tax and FICA, all of which are withheld from each New Jersey paycheck.
What changes a New Jersey paycheck?
The Division of Taxation's schedules run from 1.4% to 10.75%. Single filers pay 5.525% from $40,000 to $75,000 and 6.37% up to $500,000. Joint filers and heads of household use a second table with extra steps at 2.45% and 3.5%, so 5.525% starts at $80,000. The figures come from the 2025 NJ-1040 instructions, the latest published.
There is no standard deduction. Each filer takes a $1,000 personal exemption, so a joint return subtracts $2,000. Dependents add $1,500 each and are not modeled here.
Paychecks in New Jersey also carry employee contributions to Family Leave Insurance, and to state disability insurance in many jobs. These are collected through the Department of Labor and are not in this estimate, so actual net pay will be lower.
Example: take-home pay on $60,000 in New Jersey
Here's how a $60,000 salary breaks down for a single filer paid bi-weekly in New Jersey. After all taxes, take-home pay is about $48,623 per year — 81% of gross. Adjust the calculator above for your own numbers.
| Line item | Per year | Per paycheck |
|---|---|---|
| Gross pay | $60,000 | $2,308 |
| − Federal income tax | $5,020 | $193 |
| − Social Security (FICA) | $3,720 | $143 |
| − Medicare (FICA) | $870 | $33 |
| − New Jersey state income tax | $1,767 | $68 |
| Take-home pay | $48,623 | $1,870 |
Estimate for a single filer, 2026 tax year, no pre-tax deductions. Figures are rounded. See our methodology for assumptions.
Take-home pay at other salaries in New Jersey
Single filer, paid every two weeks, 2026 rules, no pre-tax deductions.
| Salary | NJ tax | Take-home per year | Per paycheck |
|---|---|---|---|
| $40,000 | $683 | $33,638 | $1,294 |
| $60,000 | $1,767 | $48,623 | $1,870 |
| $85,000 | $3,225 | $65,403 | $2,516 |
| $120,000 | $5,454 | $87,796 | $3,377 |
New Jersey income tax rates used for 2026
Single
| Taxable income | Rate |
|---|---|
| $0 – $20,000 | 1.4% |
| $20,000 – $35,000 | 1.75% |
| $35,000 – $40,000 | 3.5% |
| $40,000 – $75,000 | 5.525% |
| $75,000 – $500,000 | 6.37% |
| $500,000 – $1,000,000 | 8.97% |
| Over $1,000,000 | 10.75% |
Married filing jointly
| Taxable income | Rate |
|---|---|
| $0 – $20,000 | 1.4% |
| $20,000 – $50,000 | 1.75% |
| $50,000 – $70,000 | 2.45% |
| $70,000 – $80,000 | 3.5% |
| $80,000 – $150,000 | 5.525% |
| $150,000 – $500,000 | 6.37% |
| $500,000 – $1,000,000 | 8.97% |
| Over $1,000,000 | 10.75% |
- Personal exemption: $1,000 single, $2,000 married filing jointly.
Sources and limitations
The 2026 New Jersey tax inputs on this page are based on New Jersey tax source. The estimate covers federal income tax, state income tax, Social Security, and Medicare. It does not include local taxes, state disability or unemployment withholding, tax credits, pre-tax benefits, or employer-specific deductions.
Review the full calculation methodology and tax sources.
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Frequently asked questions
Does New Jersey have a state income tax?
New Jersey has a progressive state income tax (1.4%–10.8%), withheld in addition to federal income tax and FICA.
What are the New Jersey income tax rates?
New Jersey has progressive brackets with marginal rates from 1.4% to 10.8%. Only income within each bracket is taxed at that bracket's rate.
How much is taken out of a paycheck in New Jersey?
Federal income tax, Social Security (6.2%), and Medicare (1.45%) are withheld nationwide. In addition, New Jersey withholds state income tax as described above. Use the calculator on this page for an estimate based on your salary.