How New Jersey taxes your paycheck
New Jersey has progressive income tax rates from 1.4% to 10.75% for tax year 2026, in 7 brackets. Before the rate applies, the calculator subtracts a personal exemption of $1,000 per filer ($2,000 for a married couple).
Traditional 401(k) contributions are excluded from New Jersey taxable wages, and Section 125 health premiums are not excluded.
Figures are from 2026 Form NJ-1040-ES Instructions (tax year 2026).
Take-home pay examples in New Jersey
A single filer earning $60,000 in New Jersey, paid every two weeks, takes home about $1,853.09 per paycheck, or $48,180 a year. Of the $60,000, $5,020 goes to federal income tax, $4,590 to Social Security and Medicare, and $1,767 to New Jersey income tax, plus $442 of state payroll contributions.
At $100,000, take-home pay is about $74,390 a year ($2,861.14 per paycheck), with $4,180 of New Jersey income tax. A married couple filing jointly on one $100,000 salary keeps about $81,460, because of the larger standard deduction and wider brackets. The table below shows more salaries.
New Jersey payroll contributions
NJ Unemployment Insurance: 0.383% of wages up to $44,800 a year (tax year 2026; official source). This is deducted from your pay in addition to income tax and is included in the calculator.
NJ Workforce Development/Supplemental Workforce Funds: 0.043% of wages up to $44,800 a year (tax year 2026; official source). This is deducted from your pay in addition to income tax and is included in the calculator.
NJ Temporary Disability Insurance: 0.19% of wages up to $171,100 a year (tax year 2026; official source). This is deducted from your pay in addition to income tax and is included in the calculator.
NJ Family Leave Insurance: 0.23% of wages up to $171,100 a year (tax year 2026; official source). This is deducted from your pay in addition to income tax and is included in the calculator.
Local income taxes in New Jersey
New Jersey has no local income taxes on wages.
Hourly pay in New Jersey
A full-time worker earning $20 an hour (40 hours a week, $41,600 a year) in New Jersey takes home about $1,327.06 every two weeks, or $663.53 a week on average, as a single filer. New Jersey income tax takes $751 of that pay a year, an effective state rate of 1.804%. Choose Hourly wage in the calculator to enter your own rate and hours.
New Jersey compared with neighboring states
On a $75,000 salary (single, no pre-tax deductions), take-home pay in New Jersey is about $58,491 a year. It is higher in Pennsylvania, and lower in New York and Delaware. The comparison table below shows the difference in dollars. Where you live usually decides which state taxes your wages, but people who live in one state and work in another should check both states' rules on residency and credits.
What else to know about New Jersey taxes
New Jersey has no standard deduction. Heads of household use the married-joint rate table.
401(k) contributions are excluded from New Jersey wages, but Section 125 health premiums are taxable in New Jersey.
Employees pay four state payroll contributions: unemployment, workforce development, disability and family leave insurance, each with its own wage cap.
What this estimate does not include
Tax credits, itemized deductions, other income, overtime, bonuses and post-tax deductions are not included, and actual withholding follows your Form W-4 and New Jersey's own withholding rules. Use it as a planning estimate. For the method and the federal rules, see the main paycheck calculator.