# New Jersey Paycheck Calculator Last updated October 21, 2026FreeNo signupFormula shown Enter your pay, how often you are paid, and the allowances and rate table on your Form W-4 and Form NJ-W4, and this New Jersey paycheck calculator shows your 2026 take-home pay. It follows the Division of Taxation's withholding method, adds the three insurance deductions New Jersey takes from employees, and works out the employer's side of the bill under it. State New JerseyHow it is figuredNew Jersey takes $1,000 a year off your pay for each allowance on your NJ-W4, then withholds by one of five rate tables, A to E, from 1.5% up to 11.8%. I'm paid SalaryHourly Yearly salary (USD) Pay frequencyWeekly (52 paychecks a year)Every two weeks (26 a year)Twice a month (24 a year)Monthly (12 a year) Filing status on Form W-4Single or married filing separatelyMarried filing jointlyHead of household New Jersey withholding Allowances on Form NJ-W4 (line 4) Each allowance is worth $1,000 of pay a year: you, a spouse or civil union partner, and each dependent. Rate table letter on Form NJ-W4 (line 3)Blank (the default)Rate ARate BRate CRate DRate E Leave it blank unless you used the form's wage chart. Single or married filing separately is Rate A, every other status Rate B. Form W-4 steps 2 to 4 Step 2 box is checked Two jobs with similar pay, or both spouses work. Children under 17 Step 3: $2,200 each. Other dependents Step 3: $500 each. Other income per year Step 4(a). Deductions per year Step 4(b). Extra withholding each paycheck (USD) Step 4(c). 401(k), % of pay 2026 limit $24,500. Health premiums per paycheck Pre-tax. HSA per paycheck 2026 limit $8,750. Take-home pay per paycheck $1,843.42 $2,307.69 gross · $464.27 withheld (20.1%) teampredict.ai/tools/paycheck-calculator/new-jersey Where this paycheck goes Gross pay $2,307.69 Federal income taxW-4 methodIRS Publication 15-T (2026) percentage method, worked from your Form W-4 entries. \- $193.08 Social Security6.2%To $184,500Social Security tax stops once your pay for the year reaches the $184,500 wage base. \- $143.08 Medicare1.45% \- $33.46 Additional Medicare0.9%Over $200,000Withheld on pay above $200,000 in a calendar year, whatever your filing status. \- $0.00 New Jersey income taxState methodNew Jersey takes $1,000 a year off your pay for each allowance on your NJ-W4, then withholds by one of five rate tables, A to E, from 1.5% up to 11.8%. \- $75.15 New Jersey unemployment and workforce contributions0.425%, up to $190.40 a year0.425%, first $44,800Employees pay 0.3825% for unemployment insurance plus 0.0425% for the workforce funds on the first $44,800 of pay in 2026. \- $9.81 New Jersey disability insurance0.19%, up to $325.09 a year0.19%, first $171,100Employees pay 0.19% for temporary disability insurance on the first $171,100 of pay in 2026. \- $4.38 New Jersey family leave insurance0.23%, up to $393.53 a year0.23%, first $171,100Employees pay 0.23% for family leave insurance on the first $171,100 of pay in 2026. \- $5.31 401(k)Pre-taxSkips federal income tax, but Social Security and Medicare still apply. \- $0.00 Health premiumsPre-taxThrough a cafeteria plan, these skip income tax, Social Security and Medicare. \- $0.00 HSA \- $0.00 Take-home pay$1,843.42 Over the year, 26 paychecks Gross pay $60,000 Taxes \- $12,006 Pre-tax deductions \- $0 Share kept 80% Take-home pay$47,994 Copy resultsCopy link _Figure: Bar chart of the year's gross pay of $60,000. Federal income tax: $5,020; Social Security: $3,720; Medicare: $870; New Jersey income tax: $1,954; New Jersey unemployment and workforce contributions: $190; New Jersey disability insurance: $114; New Jersey family leave insurance: $138; Take-home pay: $47,994._ _Figure: Line chart of yearly take-home pay against gross pay, from $0 to $100,000, with the same filing status and deductions as the calculator. The dashed line is gross pay. At $60,000 gross, take-home is $47,994._ ## This pay costs the employer $66,110 a year, $2,542.71 each pay period. What the employer adds, per year Employer Social Security6.2% to $184,500 $3,720 Employer Medicare1.45% $870 Federal unemployment (FUTA)0.6% of the first $7,000No credit cut6.0% less a 5.4% credit. The Labor Department's September 2026 list of states that may lose part of that credit names only California and the Virgin Islands. $42 New Jersey unemployment2.683% of the first $44,800New employer rateA new New Jersey employer pays 2.6825% unemployment, 0.1175% for the workforce funds and 0.5% for disability insurance in 2026, all on the first $44,800 of each employee's pay, for its first three calendar years. $1,202 New Jersey workforce funds0.118% of the first $44,800Employer taxA 0.1175% employer contribution to the workforce development and supplemental workforce funds, on the same $44,800 of pay as the unemployment tax. $53 New Jersey disability insurance0.5% of the first $44,800Employer taxA 0.5% employer contribution to temporary disability insurance, the new employer rate, on the first $44,800 of each employee's pay. Family leave insurance is paid by employees only. $224 Employer taxes$6,110 Total cost of the employee Gross pay $60,000 Employer taxes \+ $6,110 Per pay periodYearly averageUnemployment taxes stop at their wage bases, so the first paychecks of the year cost more than the last. $2,542.71 Per year$66,110 See which of your own people may be leaving, before they hand in notice. [Start 30-Day Free Trial](https://app.teampredict.ai/signup) ## New Jersey withholds by one of five rate tables, A to E, after $1,000 for each allowance on your NJ-W4. The Division of Taxation's NJ-W4 asks for your filing status, a rate table letter if you are married and both of you work, and the number of allowances. Your employer takes $1,000 a year off your pay for each allowance and looks the rest up in the table that applies to you. Every table starts at 1.5% and climbs to 11.8% above $1,000,000, and they differ in where the steps between are. Rate A is the single filer's table, Rate B is the default for married filers, heads of household and surviving spouses, and the wage chart on the NJ-W4 can send a household with two incomes to another letter. ## A $60,000 New Jersey salary takes home $1,843.42 every two weeks. The calculator opens on this case: a single employee with 1 allowance on the NJ-W4 and a standard Form W-4, paid every two weeks, with no pre-tax deductions. - Gross pay: $60,000 ÷ 26 = $2,307.69 - Federal income tax: $193.08 - New Jersey income tax: $60,000 − $1,000 = $59,000 in Rate A, which is $795.00 + 6.1% of the $19,000 over $40,000, $1,954.00 ÷ 26 = $75.15 - Social Security: 6.2% × $2,307.69 = $143.08; Medicare: 1.45% = $33.46 - New Jersey contributions: $9.81 unemployment and workforce, $4.38 disability, $5.31 family leave - Take-home pay: $1,843.42 a paycheck, $47,993.64 a year _Figure: Bar chart for a single employee on a $60,000 salary, paid every two weeks, with 1 allowance, paid 26 times a year. Federal income tax: $5,020 · 8.4%; Social Security: $3,720 · 6.2%; Medicare: $870 · 1.4%; New Jersey income tax: $1,954 · 3.3%; New Jersey unemployment and workforce contributions: $190 · 0.3%; New Jersey disability insurance: $114 · 0.2%; New Jersey family leave insurance: $138 · 0.2%; Take-home pay: $47,994 · 80%._ A single employee on a $60,000 salary, paid every two weeks, with 1 allowance. Invented example. Each tax is rounded to the cent in every paycheck, as payroll does. ## Each allowance on the NJ-W4 keeps $1,000 of pay from tax, which is worth $2.35 a paycheck here. On a $60,000 salary the top slice of taxable pay is taxed at 6.1%, so an allowance of $1,000 saves $61 a year, which is $2.35 a paycheck. A second allowance saves the same again, for a spouse with no income or a dependent. The saving is 1.5% of $1,000 on the first $20,000 of pay and climbs with each step of the table. _Figure: Bar chart of the New Jersey income tax withheld from one biweekly paycheck on a $60,000 salary, single, with 0 allowances: $77.50; 1 allowances: $75.15; 2 allowances: $72.81; 3 allowances: $70.46; 5 allowances: $65.77._ Invented example: a $60,000 salary, single, paid every two weeks. Each allowance is $1,000 of pay a year. ## The letter on your NJ-W4 decides which table sets the tax, and a married couple with two incomes can use it to raise withholding. With the same $60,000 salary, a single filer is withheld $75.15 a paycheck at Rate A and a married filer with line 3 blank is withheld $43.96 at Rate B. A married filer who wrote letter C on line 3 is withheld $52.12, letter D $60.27 and letter E $76.62. The wage chart exists so that two spouses who each earn a salary are not under-withheld by a table that assumes one. _Figure: Bar chart of the New Jersey income tax withheld from one biweekly paycheck on a $60,000 salary: Single, Rate A: $75.15; Married, line 3 blank, Rate B: $43.96; Married, line 3 letter C: $52.12; Married, line 3 letter D: $60.27; Married, line 3 letter E: $76.62._ Invented example: a $60,000 salary paid every two weeks, 1 allowance. The married filer's letter is what is written on line 3 of the NJ-W4. ## New Jersey takes three insurance deductions from your pay as well as income tax. In 2026 an employee pays 0.425% of the first $44,800 of pay for unemployment insurance and the workforce funds, which is at most $190.40 a year, and 0.19% and 0.23% of the first $171,100 for disability and family leave insurance. A $60,000 salary pays all three on every paycheck except that unemployment stops in paycheck 20, once the year's pay passes the cap. Nobody pays more than $909.02 a year for the three. _Figure: Bar chart of the New Jersey contributions taken from an employee in a year at four salaries. $30,000 a year: $127.40 new jersey unemployment and workforce contributions, $56.94 new jersey disability insurance, $68.90 new jersey family leave insurance; $60,000 a year: $190.40 new jersey unemployment and workforce contributions, $113.88 new jersey disability insurance, $138.06 new jersey family leave insurance; $100,000 a year: $190.40 new jersey unemployment and workforce contributions, $190.06 new jersey disability insurance, $230.10 new jersey family leave insurance; $200,000 a year: $190.39 new jersey unemployment and workforce contributions, $325.09 new jersey disability insurance, $393.48 new jersey family leave insurance._ Invented salaries, single, paid every two weeks. New Jersey unemployment and workforce contributions is 0.425% of the first $44,800; New Jersey disability insurance is 0.19% of the first $171,100; New Jersey family leave insurance is 0.23% of the first $171,100. ## A 401(k) and a health plan come out before New Jersey tax, but an HSA does not. A 401(k) deferral of 6% on the $60,000 example is $138.46 a paycheck, and it lowers New Jersey withholding by $8.44. Health premiums through a cafeteria plan come out too. The Division's list of pay that New Jersey does not tax names Archer MSA contributions but not HSA contributions, so an HSA contribution stays in the taxed pay here, and the three insurance deductions are taken on all pay, 401(k) included. _Figure: Bar chart of the tax withheld from one biweekly paycheck on a $60,000 salary, single: Federal tax, no 401(k): $193.08; Federal tax, 6% 401(k): $176.46; New Jersey tax, no 401(k): $75.15; New Jersey tax, 6% 401(k): $66.71._ Invented example: a $60,000 salary, single, paid every two weeks. 6% of pay is $138.46 a paycheck. ## Hiring that employee costs $66,110 a year in New Jersey. On top of the $60,000, the employer matches Social Security and Medicare at 6.2% and 1.45%, which is $4,590. It pays federal unemployment tax of 0.6% on the first $7,000, which is $42; New Jersey is not on the Labor Department's list of states with a 2026 credit reduction. A new New Jersey employer pays 2.6825% unemployment, 0.1175% for the workforce funds and 0.5% for disability insurance on the first $44,800 of pay, which is $1,478.40 a year per employee. _Figure: Bar chart of the employer's taxes on an employee on a $60,000 salary: Employer Social Security $3,720; Employer Medicare $870; New Jersey unemployment $1,202; New Jersey workforce funds $53; New Jersey disability insurance $224; Federal unemployment (FUTA) $42. Together $6,110, for a total cost of $66,110 a year._ An employee on a $60,000 salary. New Jersey unemployment is the 2026 new-employer rate of 2.683% on the first $44,800. ## Take-home pay in New Jersey runs from $33,226 on $40,000 to $104,861 on $150,000. For a single employee with 1 allowance, paid every two weeks. Switch the table to weekly pay if you are paid every week. To see how a neighboring state compares, try the [Pennsylvania paycheck calculator](https://www.teampredict.ai/tools/paycheck-calculator/pennsylvania). Take-home pay in New Jersey for a single employee on a standard Form W-4, paid every two weeks, with no pre-tax deductions. New Jersey taxes are its income tax, unemployment and workforce contributions, disability insurance and family leave insurance. Salary Federal tax Social Security and Medicare New Jersey taxes Take-home a year Every two weeks $40,000 $2,620 $3,060 $1,094 $33,226 $1,277.92 $50,000 $3,820 $3,825 $1,744 $40,611 $1,561.12 $60,000 $5,020 $4,590 $2,396 $47,994 $1,843.42 $75,000 $7,670 $5,738 $3,374 $58,218 $2,234.22 $100,000 $13,170 $7,650 $5,221 $73,959 $2,835.56 $150,000 $24,734 $11,475 $8,930 $104,861 $4,015.91 ## Methodology & sources The formula this calculator uses is shown in full above, and every assumption is an input you control. There are no hidden industry presets. All math runs in your browser; nothing you enter is stored or sent to a server. For the reasoning behind the formula and its edge cases, see: - [IRS Publication 15-T (2026): Federal Income Tax Withholding Methods, Percentage Method Tables for Automated Payroll Systems](https://www.irs.gov/pub/irs-pdf/p15t.pdf) - [IRS Publication 15 (2026), Employer's Tax Guide: Social Security wage base of $184,500, Medicare, FUTA, 401(k) and cafeteria plan treatment](https://www.irs.gov/pub/irs-pdf/p15.pdf) - [IRS Form W-4 (2026): Step 3 credits of $2,200 and $500](https://www.irs.gov/pub/irs-pdf/fw4.pdf) - [IRS Topic 751: Social Security and Medicare withholding rates, Additional Medicare Tax over $200,000](https://www.irs.gov/taxtopics/tc751) - [IRS Instructions for Form 940: FUTA tax of 6.0% less a credit of up to 5.4%, on the first $7,000](https://www.irs.gov/instructions/i940) - [U.S. Department of Labor: FUTA credit reductions, potential 2026 list (California and the Virgin Islands)](https://oui.doleta.gov/unemploy/futa_credit.asp) - [IRS: 401(k) limit of $24,500 for 2026](https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500) - [IRS Rev. Proc. 2025-19: 2026 HSA limits of $4,400 and $8,750](https://www.irs.gov/pub/irs-drop/rp-25-19.pdf) - [U.S. Department of Labor, Fact Sheet #23: overtime at time and one-half over 40 hours in a workweek](https://www.dol.gov/agencies/whd/fact-sheets/23-flsa-overtime-pay) - [New Jersey Division of Taxation: NJ-WT (September 2025), Gross Income Tax withholding instructions, rate table to use and allowance values](https://www.nj.gov/treasury/taxation/pdf/current/njwt.pdf) - [New Jersey Division of Taxation: Tables for Percentage Method of Withholding, rate tables A to E (wages paid on and after October 1, 2020)](https://www.nj.gov/treasury/taxation/pdf/withholdingtables.pdf) - [New Jersey Division of Taxation: Form NJ-W4 (1-21), Employee's Withholding Allowance Certificate and wage chart](https://www.nj.gov/treasury/taxation/pdf/current/njw4.pdf) - [New Jersey Division of Taxation: Gross Income Tax Supplemental Withholding Tables (wage bracket tables)](https://www.nj.gov/treasury/taxation/pdf/current/njwtsp.pdf) - [New Jersey Department of Labor and Workforce Development: Rate Information, Contributions, and Due Dates (2026 worker rates and wage bases)](https://www.nj.gov/labor/ea/employer-services/rate-info) - [New Jersey Department of Labor and Workforce Development: Employer Accounts Guide (what counts as wages)](https://nj.gov/labor/ea/assets/PDFs/EmployerAcctsGuide.pdf) - [New Jersey Department of Labor and Workforce Development: Rate Information, Contributions, and Due Dates (2026 new employer rates and taxable wage base $44,800)](https://www.nj.gov/labor/ea/employer-services/rate-info) ## Frequently asked questions How does New Jersey work out the income tax taken from my paycheck? The Division of Taxation's NJ-WT has your employer take $1,000 a year off your pay for each allowance on line 4 of your Form NJ-W4, then look the rest up in one of five rate tables, A to E. For a $60,000 salary with 1 allowance, Rate A taxes $59,000 at $795.00 plus 6.1% of everything over $40,000, which is $1,954.00 a year, or $75.15 every two weeks. The Division's own wage bracket tables agree with this method to within the dime they are printed in. How much is $60,000 a year after tax in New Jersey? For a single employee who claims 1 allowance on the NJ-W4 and is paid every two weeks, a $60,000 salary takes home $1,843.42 a paycheck, or $47,993.64 a year. The year's taxes are $5,020.08 of federal income tax, $1,953.90 of New Jersey income tax, $3,720.08 of Social Security, $869.96 of Medicare, and $442.34 of New Jersey unemployment, disability and family leave contributions. How much is $20 an hour after tax in New Jersey? At 40 hours a week and weekly pay, $20 an hour is $800.00 gross and $661.97 take-home a week for a single employee with 1 allowance. That is $54.08 of federal income tax, $15.99 of New Jersey income tax, $49.60 of Social Security, $11.60 of Medicare and $6.76 of New Jersey contributions. Switch the calculator to hourly and type your own hours, including overtime. Which rate table does my employer use, A, B, C, D or E? If line 2 of your NJ-W4 is Single or Married/Civil Union Partner Separate, Rate A. If it is Married/Civil Union Couple Joint, Head of Household or Qualifying Widow(er) and line 3 is blank, Rate B. If you wrote a letter on line 3, that letter. On the $60,000 example, Rate A withholds $75.15 a paycheck and Rate B $43.96. The calculator has a field for the line 3 letter, used for a married, head of household or widowed employee. What is the wage chart on the NJ-W4 for? It is for a married couple, a head of household or a qualifying widow(er) whose spouse works or who has more than one job, when the combined pay is more than $50,000. The form says the chart is designed to increase withholding on your wages if they will be taxed at a higher rate because of other wages or income. You find your own pay in the left column and your spouse's and other pay along the top, and the letter where they meet goes on line 3. A single filer does not use it. What are the unemployment, disability and family leave deductions? New Jersey takes three contributions from an employee's pay in 2026, on top of income tax: 0.425% for unemployment insurance and the workforce funds on the first $44,800 of pay, 0.19% for temporary disability insurance and 0.23% for family leave insurance, both on the first $171,100. On the $60,000 example a paycheck loses $9.81, $4.38 and $5.31. Together they stop at $909.02 a year. What does a 401(k), an HSA or a health plan do to my New Jersey paycheck? New Jersey leaves 401(k) contributions up to the federal limit and cafeteria plan benefits that must buy medical, life or disability cover out of the pay it taxes, but its list of untaxed pay names Archer MSA contributions and not HSA contributions, so this calculator keeps an HSA contribution in taxable pay. Putting 6% of a $60,000 salary into a 401(k) ($138.46 a paycheck) cuts New Jersey withholding by $8.44 and take-home pay by only $113.40. $100 of health premiums cuts it by $6.10, and a $100 HSA contribution by $0.00. The unemployment, disability and family leave contributions are taken on all of the pay, 401(k) and health premiums included. Who pays unemployment tax in New Jersey, and how much is it? The employer does, to the Department of Labor and Workforce Development. A new New Jersey employer pays 2.6825% for unemployment, 0.1175% for the workforce funds and 0.5% for disability insurance in 2026, which is 3.3% in all, on the first $44,800 of each employee's pay, for its first three calendar years. That is $1,478.40 a year per employee at a $60,000 salary. Family leave insurance is paid by employees only. How does New Jersey tax a bonus? If a bonus, commission or overtime is paid with regular wages, the NJ-WT says to add them to the regular pay and withhold on the total. If it is paid at a different time, the employer withholds from it without any of the allowances on your NJ-W4. This calculator treats all pay as regular pay. I live in Pennsylvania and work in New Jersey. Does New Jersey withhold from me? Not if you give your employer Form NJ-165, the employee's certificate of nonresidence in New Jersey. New Jersey and Pennsylvania have a reciprocal agreement, and the employer withholds for Pennsylvania instead. Without the form, New Jersey tax is withheld as for any other employee. This calculator withholds as if the employee has no such certificate. ## Turnover is cheaper to prevent than to calculate. TeamPredict flags resignation risk early from public LinkedIn signals, giving you lead time to retain your best people before they hand in notice. [Start 30-Day Free Trial](https://app.teampredict.ai/signup) No charge today · Cancel anytime ## Keep reading [New York Paycheck Calculator The same 2026 paycheck math for New York, with New York City and Yonkers tax, disability insurance and Paid Family Leave. Read more](https://www.teampredict.ai/tools/paycheck-calculator/new-york) [Pennsylvania Paycheck Calculator A flat 3.07% with no allowances, and a state tax that applies to 401(k) deferrals too. Read more](https://www.teampredict.ai/tools/paycheck-calculator/pennsylvania) [Overtime Calculator Time and a half on every hour over 40, worked out from your hourly rate. Read more](https://www.teampredict.ai/tools/overtime-calculator)