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New Jersey take-home pay, 2026

New Jersey Paycheck Calculator

Free estimate of New Jersey take-home pay for 2026: hourly or salary.

Updated October 4, 2026 · 2026 rules

Your New Jersey paycheck

Pay type

Paid at 1.5 times the hourly rate, on top of the regular hours.

Federal filing status

Optional. Lowers income tax wages, not Social Security or Medicare wages.

Health benefits (pre-tax)

Section 125 premiums, HSA or FSA through payroll.

Estimated take-home pay, New Jersey, 2026

$1,617.57per biweekly check

$42,056.82 a year over 26 checks · $3,504.74 a month on average

Gross pay
$2,000.00
Federal income tax
7.81%−$156.15
Social Security
6.20%−$124.00
Medicare
1.45%−$29.00
New Jersey income tax
2.82%−$56.38
NJ UI/WF/SWF
0.43%−$8.50
NJ DI
0.19%−$3.80
NJ FLI
0.23%−$4.60
Total deductions
19.12%−$382.43
Net pay (take-home)
80.88%$1,617.57

Includes New Jersey’s own payroll lines: New Jersey unemployment and workforce funds (worker); New Jersey Temporary Disability Insurance (worker); New Jersey Family Leave Insurance (worker).

Estimated take-home pay $1,617.57 per biweekly check in New Jersey, from gross pay of $2,000.00.

Make this a pay stub

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An estimate from what you entered, using 2026 federal withholding, Social Security, Medicare and state income tax withholding for a standard Form W-4, plus the state’s disability or paid leave line where it has one. City, county and school district taxes are not included. Not tax advice. New Jersey pay stub generator

New Jersey salary paycheck: take-home pay after taxes

A single filer paid every two weeks, with no pre-tax deductions. Each row takes federal income tax, Social Security, Medicare, New Jersey income tax, NJ UI/WF/SWF, NJ DI, and NJ FLI off one check. A yearly salary is divided by 26 checks.

2026 New Jersey take-home pay per biweekly check by annual salary, single filer
Annual salaryGross per checkFederal income taxSocial Security + MedicareNew Jersey income taxNJ UI/WF/SWFNJ DINJ FLITake-home per checkTake-home per yearTaken out
$30,000$1,153.85$54.62$88.27$18.46$4.90$2.19$2.65$982.76$25,55214.83%
$40,000$1,538.46$100.77$117.69$29.08$6.54$2.92$3.54$1,277.92$33,22616.94%
$50,000$1,923.08$146.92$147.11$51.69$8.17$3.65$4.42$1,561.12$40,58918.82%
$60,000$2,307.69$193.08$176.54$75.15$9.81$4.38$5.31$1,843.42$47,92920.12%
$75,000$2,884.62$295.00$220.68$110.35$12.26$5.48$6.63$2,234.22$58,09022.55%
$100,000$3,846.15$506.54$294.23$177.31$16.35$7.31$8.85$2,835.56$73,72526.28%
$150,000$5,769.23$951.31$441.34$311.92$24.52$10.96$13.27$4,015.91$104,41430.39%

New Jersey hourly paycheck after taxes

Full-time hourly pay for a single filer, with no overtime and no pre-tax deductions: 80 hours every two weeks, and the same rate on a weekly check of 40 hours. Gross pay is the rate times the hours.

2026 New Jersey take-home pay by hourly rate, single filer, weekly and biweekly
Hourly rateGross, 2 weeksFederal income taxSocial Security + MedicareNew Jersey income taxNJ UI/WF/SWFNJ DINJ FLITake-home, 2 weeksTake-home, weeklyTake-home per year
$15.00$1,200.00$60.15$91.80$19.38$5.10$2.28$2.76$1,018.53$509.26$26,482
$20.00$1,600.00$108.15$122.40$31.98$6.80$3.04$3.68$1,323.95$661.97$34,423
$25.00$2,000.00$156.15$153.00$56.38$8.50$3.80$4.60$1,617.57$808.78$42,057
$30.00$2,400.00$204.15$183.60$80.78$10.20$4.56$5.52$1,911.19$955.59$49,691
$40.00$3,200.00$364.38$244.80$132.08$13.60$6.08$7.36$2,431.70$1,215.85$63,224

New Jersey paycheck by pay frequency

A $60,000 salary for a single filer, paid weekly, every two weeks, twice a month or monthly. The yearly total barely moves; the size of each check does.

2026 New Jersey take-home pay on a $60,000 salary by pay frequency, single filer
Pay frequencyChecks a yearGross per checkTake-home per check
Weekly52$1,153.85$921.72
Every 2 weeks26$2,307.69$1,843.42
Twice a month24$2,500.00$1,997.03
Monthly12$5,000.00$3,994.09

Dollars and share of gross pay

How much is taken out of a paycheck in New Jersey?

Each line on a biweekly check at three salaries, single filer. Social Security and Medicare are fixed rates, so their share stays the same; income tax is graduated, so the share taken rises with pay.

2026 New Jersey paycheck deductions in dollars and percent of gross pay at three salaries, single filer, biweekly
Line$40,000 salary$75,000 salary$150,000 salary
Gross per check$1,538.46$2,884.62$5,769.23
Federal income tax$100.77 (6.55%)$295.00 (10.23%)$951.31 (16.49%)
Social Security$95.38 (6.20%)$178.85 (6.20%)$357.69 (6.20%)
Medicare$22.31 (1.45%)$41.83 (1.45%)$83.65 (1.45%)
New Jersey income tax$29.08 (1.89%)$110.35 (3.83%)$311.92 (5.41%)
NJ UI/WF/SWF$6.54 (0.43%)$12.26 (0.43%)$24.52 (0.43%)
NJ DI$2.92 (0.19%)$5.48 (0.19%)$10.96 (0.19%)
NJ FLI$3.54 (0.23%)$6.63 (0.23%)$13.27 (0.23%)
Total taken out$260.54 (16.94%)$650.40 (22.55%)$1,753.32 (30.39%)
Take-home per check$1,277.92$2,234.22$4,015.91

Your own figures: use the New Jersey calculator above.

Single or married filing jointly in New Jersey

The same salary on a biweekly check under each filing status. Social Security and Medicare do not change with filing status; income tax withholding does.

2026 New Jersey take-home pay per biweekly check, single and married filing jointly
Annual salarySingleMarried filing jointlyDifference per check
$40,000$1,277.92$1,351.62$73.70
$60,000$1,843.42$1,958.46$115.04
$100,000$2,835.56$3,110.60$275.04

New Jersey income tax and what this estimate includes

In the estimate

  • Federal income tax withholding for a single or married filer with a standard Form W-4.
  • Social Security and Medicare.
  • New Jersey income tax withholding under the 2026 rules.
  • NJ UI/WF/SWF, New Jersey unemployment and workforce funds (worker): 0.425% of the first $44,800 of wages in the year.
  • NJ DI, New Jersey Temporary Disability Insurance (worker): 0.19% of the first $171,100 of wages in the year.
  • NJ FLI, New Jersey Family Leave Insurance (worker): 0.23% of the first $171,100 of wages in the year.
  • Pre-tax 401(k) and health benefits, and overtime hours, when you enter them.

Not in the estimate

  • City, county and school district taxes.
  • Extra entries on Form W-4: dependents, other income, extra withholding.
  • Head of household filing status.
  • Tips, bonuses, after-tax deductions and garnishments.

New Jersey paycheck facts, 2026

From the New Jersey pay stub page, where each figure is explained with its source.

Item 2026 value
State income tax 1.4%–10.75% progressive, 7 brackets (unchanged since 2020)
Withholding shown on stubs Rate A: 1.5%–11.8% (higher than the tax; gap refunded at filing)
State standard deduction None — $1,000 personal exemption / $1,000 per NJ-W4 allowance
NJ UI + WF/SWF (employee) 0.425% of first $44,800 (max $190.40)
NJ DI / SDI (employee) 0.19% to $171,100 (max $325.09)
NJ FLI (employee) 0.23% to $171,100 (max $393.53)
Local income taxes None — Newark & Jersey City 1% payroll tax is employer-only
Minimum wage $15.92 most employers · $15.23 small (<6) & seasonal · $6.05 tipped cash wage
From January 1, 2027: $16.48 an hour for most employers
Pay frequency At least twice a month (N.J.S.A. 34:11-4.2)
Pay stub required? Yes — every pay period (N.J.S.A. 34:11-4.6(c)); 10+ employees must show gross, net, rate, hours
Final paycheck Next regular payday — same rule whether fired or quit (N.J.S.A. 34:11-4.3)

Last updated September 2026. Sources: NJ Division of Taxation (Gross Income Tax rate schedule, NJ-WT, withholding tables, Notice M-6025), NJ Department of Labor & Workforce Development (2026 worker rates and wage bases, Wage and Hour FAQs, minimum wage release), N.J.S.A. 34:11 and 54A, City of Newark and City of Jersey City payroll tax ordinances · IRS Rev. Proc. 2025-32 · SSA · BLS OEWS (May 2025) and LAUS (July 2026) · U.S. Census Bureau (2023 Nonemployer Statistics, 2023 County Business Patterns, 2025 population estimates). Figures are estimates for a single filer taking the standard deduction; your pay stub reflects your actual withholding elections. This page is general information, not tax or legal advice.

New Jersey minimum wage 2027

Already announced by official sources. Your pay stubs use today's rates until each change starts.

  • Minimum wage: $15.92 → $16.48 from January 1, 2027 (source: nj.gov)

Same pay in a state with no income tax

$2,000.00 every two weeks for a single filer in New Jersey and in Texas. This compares paycheck deductions only; wages, housing and other costs differ between states.

2026 take-home pay on the same biweekly pay in New Jersey and Texas, single filer
StateState lines per checkTake-home per checkTake-home per year
New Jersey$73.28$1,617.57$42,057
Texas$0.00$1,690.85$43,962
Difference$73.28$73.28$1,905

Texas paycheck calculator

From a New Jersey estimate to a pay stub

When the pay has actually been made, “Make this a pay stub” under the calculator opens the builder with New Jersey and the same pay filled in. The builder prints the same lines, NJ UI/WF/SWF, NJ DI, NJ FLI included, and adds year-to-date totals. A pay stub is a record of a real payment: enter the real employer, employee and dates. Your first pay stub each year is free.

The New Jersey pay stub generator page covers what a New Jersey stub must show. Every state is on the paycheck calculator page.

Questions

New Jersey paycheck questions

How much is taken out of a paycheck in New Jersey?

It depends on your pay, pay frequency and filing status. As an example, a $2,000.00 biweekly check for a single filer in 2026 has $156.15 of federal income tax (7.81% of gross pay), $124.00 of Social Security and $29.00 of Medicare withheld, plus $56.38 of New Jersey income tax and $8.50 of NJ UI/WF/SWF, $3.80 of NJ DI, and $4.60 of NJ FLI, leaving $1,617.57.

What percentage of my paycheck goes to taxes in New Jersey?

It depends on your pay and filing status. On a $2,000.00 biweekly check for a single filer in 2026, 19.12% of gross pay is taken out in all: federal income tax 7.81%, Social Security 6.20%, Medicare 1.45%, New Jersey income tax 2.82%, NJ UI/WF/SWF 0.43%, NJ DI 0.19%, NJ FLI 0.23%. The share rises with pay, because income tax is graduated.

Does New Jersey have a state income tax on paychecks?

Yes. New Jersey taxes wages, and employers withhold New Jersey income tax from each paycheck. The calculator applies New Jersey's 2026 withholding rules for a single or married filer with one state allowance or the standard form.

How much is $60,000 after taxes in New Jersey?

About $1,843.42 per biweekly check, or $47,929 a year, after federal income tax, Social Security, Medicare, New Jersey income tax, NJ UI/WF/SWF, NJ DI, and NJ FLI. That is for a single filer paid every two weeks, with a standard Form W-4 and no pre-tax deductions. Local taxes are not included.

How much is $100,000 after taxes in New Jersey?

About $2,835.56 per biweekly check, or $73,725 a year, after federal income tax, Social Security, Medicare, New Jersey income tax, NJ UI/WF/SWF, NJ DI, and NJ FLI. That is for a single filer paid every two weeks, with a standard Form W-4 and no pre-tax deductions. Local taxes are not included.

How much is $20 an hour after taxes in New Jersey?

At 80 hours every two weeks, $20.00 an hour is $1,600.00 of gross pay and about $1,323.95 of take-home pay per check, after federal income tax, Social Security, Medicare, New Jersey income tax, NJ UI/WF/SWF, NJ DI, and NJ FLI. That is for a single filer paid every two weeks, with a standard Form W-4 and no pre-tax deductions. Local taxes are not included.

Are there city or local income taxes in New Jersey?

Local taxes are not in the New Jersey estimate. Where a city, county or school district taxes wages, the pay stub builder looks the tax up from the address when it has the data. The New Jersey pay stub page lists the local taxes that apply in the state, with its sources.

Does the New Jersey calculator work for married filing jointly?

Yes. Choose Single or Married filing jointly; head of household is not offered.

Does the New Jersey calculator include a 401(k) or overtime?

Yes. Enter a pre-tax 401(k) amount per check and it comes off the wages that income tax is worked out on. On hourly pay, enter overtime hours and they are paid at 1.5 times the hourly rate. Tips, bonuses and dependents are not in the calculator.

What is not included in the New Jersey estimate?

City, county and school district taxes are not in the estimate. Garnishments, after-tax deductions and extra withholding from your Form W-4 are not included either. New Jersey's own payroll lines are included: NJ UI/WF/SWF (0.425% of the first $44,800 of wages in the year), NJ DI (0.19% of the first $171,100 of wages in the year), and NJ FLI (0.23% of the first $171,100 of wages in the year).

Why is my real New Jersey paycheck different?

The estimate uses the standard withholding for your filing status. Your employer's figure follows your own Form W-4 and New Jersey withholding form, your benefits and other deductions, and any local tax. A few dollars of difference per check is normal; a large one usually comes from a W-4 entry or a deduction the calculator cannot see.

Can I make a New Jersey pay stub from this estimate?

Yes. "Make this a pay stub" opens the pay stub builder with New Jersey and the same pay already filled in, and the builder prints the same figures. A pay stub records a payment that was actually made, so enter the real employer, employee and pay dates. Your first pay stub each year is free.

Paycheck calculators for other states

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