New Jersey Take-Home Pay Calculator

New Jersey paychecks usually include federal income tax, Social Security, Medicare, and New Jersey Gross Income Tax withholding. New Jersey uses graduated income tax rates, so the state tax estimate can change based on income and filing status.

New Jersey workers may also see additional employee payroll deductions for programs such as Temporary Disability Insurance, Family Leave Insurance, and unemployment-related contributions. This calculator focuses on federal taxes, FICA, and New Jersey state income tax unless a deduction is entered in the optional pre-tax or post-tax deduction fields.

• Federal income tax depends on income, filing status, pay frequency, and withholding choices.
• Social Security and Medicare are federal payroll taxes.
• New Jersey has graduated state income tax rates.
• Form NJ-W4 affects New Jersey withholding.
• New Jersey paychecks may include employee-side payroll deductions beyond state income tax.
• Actual withholding can vary based on New Jersey withholding tables, filing-status schedules, and state payroll deductions.
• Benefits, bonuses, garnishments, and employer setup can change pay.

New Jersey has a graduated Gross Income Tax, which means higher income can be taxed at higher rates. The state publishes tax tables and rate schedules, and taxpayers with New Jersey taxable income of $100,000 or more must use the rate schedules.

This calculator uses New Jersey's graduated rate structure for a paycheck estimate. It may not exactly reproduce every New Jersey withholding table, filing-status schedule, exemption, credit, or employer payroll setup.

Form NJ-W4 is New Jersey's Employee's Withholding Allowance Certificate. Employees use it to tell their employer how to withhold New Jersey income tax.

It is separate from the federal W-4, and New Jersey instructs employers not to use the federal W-4 to calculate New Jersey withholding. If your NJ-W4 is outdated, missing, or does not match your current situation, your paycheck withholding may be too high or too low.

New Jersey paychecks can include state payroll deductions beyond income tax. Depending on the worker and employer setup, a paystub may show items related to Temporary Disability Insurance, Family Leave Insurance, Unemployment Insurance, Workforce Development, or similar New Jersey payroll programs.

This calculator focuses on federal taxes, FICA, and New Jersey state income tax. It does not add separate disability, family leave, unemployment-related, workforce, or employer-only tax lines as employee paycheck deductions.

New Jersey Temporary Disability Insurance and Family Leave Insurance are state programs that can affect employee payroll deductions. For 2026, the taxable wage base for worker TDI and FLI contributions is $171,100.

The maximum weekly benefit rate for Temporary Disability Insurance and Family Leave Insurance is $1,119 in 2026. This calculator explains those deductions, but your exact TDI or FLI withholding can still differ based on New Jersey payroll rules and your employer's payroll setup.

New Jersey also has unemployment-related payroll contributions. For 2026, the taxable wage base for workers covered under Unemployment Compensation is $44,800.

Depending on how payroll is set up, unemployment-related contributions or workforce fund items may appear on a New Jersey paycheck. This calculator focuses on the employee paycheck items shown in the estimate.

New Jersey paycheck estimates usually do not need a separate city income tax estimate. The more important New Jersey paycheck issue is state-level income tax and employee payroll deductions.

This calculator focuses on federal payroll taxes and New Jersey state income tax, not unusual local payroll items or employer-specific deductions.

Bonus pay and overtime can make a New Jersey paycheck look different from a regular paycheck. Overtime increases taxable wages, and bonus checks may have different withholding treatment depending on how payroll processes the payment.

Usually, the upfront withholding changed.

Your actual New Jersey paycheck may differ because of Form NJ-W4, filing status, state payroll deductions, health insurance, retirement contributions, pre-tax deductions, bonuses, overtime, garnishments, or employer payroll settings.

New Jersey employee payroll contribution lines can sit outside the state income tax estimate, so compare this page with your paystub's separate deductions.