New Jersey Paycheck
Calculator
Estimate your New Jersey take-home pay. See federal tax, New Jersey state tax, Social Security and Medicare withheld from your paycheck.
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Estimate Your New Jersey Paycheck
Enter your pay details below. This is an estimate for informational purposes only.
Any overtime?
Estimated Results (per pay period)
This calculator provides estimates only and is not tax, legal or accounting advice. Federal tax uses the 2026 IRS withholding formula (Publication 15-T, Worksheet 1A) assuming a standard Form W-4 with no additional adjustments. New Jersey state tax uses the official 2025 withholding formula from NJ Div. of Taxation — NJ-WT Withholding Rate Table A, assuming standard withholding with no additional allowances or credits. It also uses the 2026 Social Security wage base. It supports Single/MFS, Married Filing Jointly/Qualifying Surviving Spouse, Head of Household and Nonresident Alien federal filing statuses (Nonresident Alien withholding follows the IRS Notice 1392 wage-addback procedure), and calculates overtime pay at 1.5x the hourly rate. It does not account for local taxes or additional allowances/credits. Actual withholding depends on your W-4, employer payroll system and individual circumstances. Consult a tax professional or payroll provider for exact figures.
Sources: IRS Publication 15-T (2026), NJ Div. of Taxation — NJ-WT Withholding Rate Table A, Social Security Administration. Last verified: August 14, 2026.
Use the New Jersey Paycheck Calculator to estimate take-home pay after federal taxes, New Jersey Gross Income Tax withholding and employee payroll contributions such as Unemployment Insurance, Temporary Disability Insurance and Family Leave Insurance. New Jersey paychecks can include more state-level deductions than a simple state income tax estimate.
For 2026, New Jersey workers generally contribute 0.3825% for Unemployment Insurance, 0.19% for Temporary Disability Insurance, 0.0425% for Workforce Development/Supplemental Workforce Funds and 0.23% for Family Leave Insurance, subject to the applicable wage bases. New Jersey income tax withholding is determined separately using Form NJ-W4 and the state's withholding instructions.
Source: New Jersey 2026 Worker Contribution Rates
Source: Form NJ-W4 and New Jersey Withholding
How to Use the New Jersey Paycheck Calculator
To estimate a New Jersey paycheck, enter gross wages and the payroll details that affect both income tax withholding and state worker contributions.
- Gross taxable wages
- Hourly rate or salary
- Pay frequency
- Federal Form W-4 information
- New Jersey Form NJ-W4 information
- Filing status and New Jersey withholding rate selection
- Pre-tax deductions
- Post-tax deductions
- Overtime, commissions or bonuses
- Year-to-date wages for contribution wage bases
What Federal Taxes Come Out of a New Jersey Paycheck?
A New Jersey paycheck may include federal income tax withholding, Social Security and Medicare in addition to state-specific deductions. Federal taxes are calculated separately from the New Jersey withholding method.
Federal Income Tax Withholding
Federal income tax withholding depends on taxable wages, payroll frequency and the employee's Form W-4 information. Employers use the IRS 2026 withholding methods rather than applying one flat federal tax rate.
Source: IRS Publication 15-T
Social Security and Medicare
For 2026, the employee Social Security rate is 6.2% on covered wages up to $184,500. The employee Medicare rate is 1.45% on covered wages with no annual wage limit.
| Federal Payroll Tax | Employee Rate | 2026 Wage Treatment |
|---|---|---|
| Social Security | 6.2% | Covered wages up to $184,500 |
| Medicare | 1.45% | No annual wage limit |
| Additional Medicare Tax | 0.9% | Employer withholding begins after wages paid exceed $200,000 |
Source: SSA 2026 Contribution and Benefit Base
Source: IRS Publication 15
How New Jersey Income Tax Withholding Works
New Jersey Gross Income Tax withholding is based on the state's withholding instructions and the employee's Form NJ-W4. It should not be estimated by applying one flat percentage to every employee's gross wages.
Form NJ-W4 allows an employee to provide filing status, a withholding-rate category, allowances and any additional amount to be deducted from each paycheck. Employees with more than one job or households with multiple wage earners may need a higher withholding rate because combined income can fall into a higher tax range.
Source: Form NJ-W4 and New Jersey Withholding
Source: New Jersey Income Tax Withholding Instructions
New Jersey Employee Payroll Contributions for 2026
New Jersey employees can see several state payroll contributions in addition to state income tax. These deductions have different rates and wage bases.
| 2026 Worker Contribution | Employee Rate | 2026 Wage Base |
|---|---|---|
| Unemployment Insurance (UI) | 0.3825% | $44,800 |
| Workforce Development / Supplemental Workforce Funds | 0.0425% | $44,800 |
| Temporary Disability Insurance (TDI) | 0.19% | $171,100 |
| Family Leave Insurance (FLI) | 0.23% | $171,100 |
These are standard worker rates published for calendar year 2026. Governmental reimbursable employers can have a different worker UI rate. A paycheck calculator should also stop applying a contribution after the employee reaches the applicable annual wage base.
Source: New Jersey 2026 Worker Contribution Rates
How Temporary Disability and Family Leave Affect Take-Home Pay
Temporary Disability Insurance and Family Leave Insurance are funded in part or entirely through employee payroll deductions, so they can reduce New Jersey take-home pay even though they are not income taxes.
For 2026, the employee TDI rate is 0.19% on the first $171,100 of covered wages, with a maximum employee contribution of $325.09. The employee FLI rate is 0.23% on the first $171,100, with a maximum employee contribution of $393.53.
Source: New Jersey Temporary Disability and Family Leave Insurance
How to Estimate a New Jersey Paycheck
A New Jersey paycheck estimate should calculate federal taxes, New Jersey income tax and applicable worker contributions separately before subtracting other payroll deductions.
- Determine gross taxable wages for the payroll period.
- Apply federal income tax withholding using current Form W-4 information.
- Calculate Social Security and Medicare.
- Apply New Jersey Gross Income Tax withholding using NJ-W4 information.
- Calculate UI and Workforce Development contributions until the $44,800 wage base is reached.
- Calculate TDI and FLI contributions until the $171,100 worker wage base is reached.
- Apply other pre-tax and post-tax deductions.
- Subtract total withholding and deductions from gross pay to estimate net pay.
New Jersey Hourly Paycheck Calculator
A New Jersey hourly paycheck estimate starts with the hourly rate and hours worked during the pay period.
Hourly Rate × Regular Hours = Regular Gross Pay
Add taxable overtime, commissions, bonuses or other compensation that belongs in the period before applying withholding and payroll deductions.
New Jersey Salary Paycheck Calculator
For a salaried employee, gross pay per paycheck is generally annual salary divided by the number of pay periods in the year.
- Weekly: annual salary ÷ 52
- Biweekly: annual salary ÷ 26
- Semimonthly: annual salary ÷ 24
- Monthly: annual salary ÷ 12
The resulting amount is gross pay, not take-home pay. Taxes and other deductions are applied after gross pay for the period is determined.
Gross Pay vs. Net Pay in New Jersey
Gross pay is compensation before taxes and payroll deductions. Net pay is the amount remaining after applicable withholding and deductions.
Gross Pay - Taxes - Payroll Deductions = Estimated Net Pay
An employee's New Jersey take-home pay can change because of filing information, benefits, retirement contributions, supplemental wages and other payroll elections.
Why Your New Jersey Paycheck May Be Different
Your actual New Jersey paycheck may differ from a calculator estimate because state withholding and worker contributions depend on employee-specific information and year-to-date wages.
- Form NJ-W4 filing status or rate selection
- Number of NJ-W4 allowances
- Additional New Jersey withholding
- Year-to-date wages reaching a contribution wage base
- Bonuses or commissions
- Overtime
- Pre-tax benefits
- Retirement contributions
- Governmental reimbursable employer status
- Payroll adjustments
Frequently Asked Questions
Does New Jersey Have State Income Tax Withholding?
Yes. Employers withhold New Jersey Gross Income Tax from covered employee wages using the state's withholding instructions and Form NJ-W4 information.
What Is Form NJ-W4?
Form NJ-W4 is New Jersey's Employee's Withholding Allowance Certificate. It provides filing status, withholding-rate information, allowances and any requested additional withholding.
What Is the 2026 New Jersey TDI Employee Rate?
The 2026 employee Temporary Disability Insurance rate is 0.19% on the first $171,100 of covered wages, with a maximum employee contribution of $325.09.
What Is the 2026 New Jersey Family Leave Insurance Rate?
The 2026 employee Family Leave Insurance rate is 0.23% on the first $171,100 of covered wages, with a maximum employee contribution of $393.53.
Does New Jersey Deduct Unemployment Insurance From Employee Pay?
Yes. The standard 2026 worker UI rate is 0.3825% on wages up to the $44,800 wage base. A different worker UI rate applies to governmental reimbursable employers.
Is a New Jersey Paycheck Calculator Exact?
No. It provides an estimate. Actual payroll can differ because of NJ-W4 information, contribution wage bases, supplemental wages and other payroll adjustments.