New Jersey Paycheck Calculator 2026 – Estimate Your NJ Take-Home Pay
New Jersey Paycheck Calculator 2026 — Estimate Your NJ Take-Home Pay
See Your Exact New Jersey Take Home Pay in Seconds.
This free New Jersey paycheck calculator uses the latest 2026 NJ income tax brackets, TDI and FLI rates, federal withholding tables, and FICA rates. Get a full per-paycheck and annual breakdown in one click — no signup required.
Built for New Jersey workers in 2026
NJ has some of the most complex paycheck deductions in the US, including state income tax, TDI, and FLI. This tool handles all of them accurately.
Get a clear per-paycheck breakdown of your NJ and federal withholding from your annual salary.
Enter your hourly rate and hours per week to estimate your NJ take-home pay for any pay schedule.
Comparing a new NJ offer to your current job? Run the numbers on both salaries before you decide.
Use your real take-home amount to set a monthly budget, savings target, or spending limit.
Calculate your NJ take-home pay
Fill in your pay details below. All fields marked with * are required. Results appear instantly below the form.
Your New Jersey Paycheck Results
Full New Jersey paycheck breakdown
| Category | Per paycheck | Annually | % of gross |
|---|
Where your New Jersey paycheck goes
Insights and recommendations
This result is an estimate for planning purposes only. Actual withholding depends on your NJ-W4, W-4, employer payroll setup, and benefit elections. New Jersey TDI rate: 0.19%, FLI rate: 0.23%, both on wages up to $171,100 (2026). NJ income tax brackets: 1.5% to 11.8% per NJ Division of Taxation 2026 withholding tables. Not tax advice.
How we calculate your NJ paycheck
Provide your annual salary or hourly rate, pay frequency, and filing status for both federal and New Jersey state purposes.
Using 2026 IRS federal income tax brackets and your W-4 filing status, we estimate your federal withholding per paycheck.
Using 2026 NJ Division of Taxation withholding tables, your NJ filing status, and NJ-W4 allowances (each worth $1,000), we compute your NJ state withholding. Note: NJ does not recognize 401(k) deferrals as pre-tax for state purposes.
New Jersey's Temporary Disability Insurance (TDI) is 0.19% of wages and Family Leave Insurance (FLI) is 0.23% of wages, both capped at $171,100 for 2026. These are mandatory employee deductions.
Social Security (6.2% up to $176,100) and Medicare (1.45% on all wages, plus 0.9% over income thresholds) are calculated according to 2026 SSA rules.
Pre-tax and post-tax deductions are subtracted correctly. You receive a full per-paycheck and annual breakdown, an effective rate summary, and personalized insights.
What comes out of a New Jersey paycheck?
New Jersey state income tax (2026)
New Jersey uses a graduated income tax with seven brackets in 2026 ranging from 1.5% to 11.8%. Most employees earning between $35,000 and $150,000 fall in the 2.45% to 6.37% range. NJ income tax is withheld using the NJ Division of Taxation's withholding tables, which account for your filing status and the number of allowances on your NJ-W4 form. Each allowance reduces your taxable wages by $1,000 annually for withholding purposes.
NJ TDI and FLI: what they are and what they pay
Two deductions unique to New Jersey appear on every paycheck. Temporary Disability Insurance (TDI) at 0.19% funds short-term income replacement if you are unable to work due to illness or injury unrelated to your job. Family Leave Insurance (FLI) at 0.23% funds paid leave to bond with a new child or care for a seriously ill family member. Both apply to wages up to $171,100 in 2026, meaning the maximum TDI deduction is $325.09 and the maximum FLI deduction is $393.53 for the year. These are employee-paid; employers fund TDI separately at a variable rate.
The 401(k) and NJ tax difference
This is the most commonly misunderstood part of NJ payroll. Federal law lets you defer 401(k) contributions pre-tax, reducing your federal taxable income. New Jersey does not recognize that deferral. NJ taxes your 401(k) contributions in the year you make them. This means your NJ taxable income can be higher than your federal taxable income. When you eventually withdraw your NJ-taxed 401(k) contributions in retirement, you will not owe NJ income tax on that portion. You can learn more about pre-tax strategies using our pretax deduction calculator.
Federal income tax withholding in 2026
Federal withholding is based on IRS Publication 15-T (2026) using your W-4 filing status. Federal brackets range from 10% to 37% depending on taxable income after the standard deduction. For a single filer earning $80,000 annually, the federal effective rate is typically around 13-15% of gross pay. Use our federal tax calculator or tax withholding calculator to dig deeper.
FICA taxes: Social Security and Medicare
Social Security is withheld at 6.2% on wages up to $176,100 in 2026 (approximate). Once you hit the wage base, SS withholding stops for the rest of the year. Medicare is 1.45% with no wage cap. High earners above $200,000 (single) or $250,000 (married filing jointly) pay an additional 0.9% Medicare surcharge. Employers do not withhold this additional amount until your wages exceed $200,000 in a calendar year with a single employer. You can estimate these separately using our FICA tax calculator.
NJ paycheck estimates for common salaries (2026)
These examples use biweekly pay, single filing status, 1 NJ allowance, no additional deductions. Results are estimates. Use the calculator above for your exact situation.
- Annual salary: $40,000
- Pay frequency: Biweekly
- Gross per paycheck: $1,538.46
- Federal income tax: ~$92
- NJ state income tax: ~$42
- Social Security: ~$95
- Medicare: ~$22
- NJ TDI + FLI: ~$6
- Annual salary: $110,000
- Pay frequency: Biweekly
- Gross per paycheck: $4,230.77
- Federal income tax: ~$620
- NJ state income tax: ~$240
- Social Security: ~$262
- Medicare: ~$61
- NJ TDI + FLI: ~$18
- Annual salary: $180,000
- Pay frequency: Biweekly
- Gross per paycheck: $6,923.08
- Federal income tax: ~$1,290
- NJ state income tax: ~$490
- Social Security: ~$429
- Medicare: ~$100
- NJ TDI + FLI: ~$30
Want to compare these scenarios? Run each salary through the calculator above. You can also use our gross-to-net calculator or take-home pay calculator for a quick estimate without state-specific details.
NJ paycheck questions answered
New Jersey uses graduated income tax rates for 2026 ranging from 1.5% to 11.8%. The 1.5% rate applies to income up to $20,000, and the 11.8% top rate applies to income over $1,000,000. Most middle-income earners fall in the 2.45% to 5.525% range. These rates apply to NJ taxable income after your NJ-W4 allowances are applied.
TDI (Temporary Disability Insurance) and FLI (Family Leave Insurance) are New Jersey state payroll deductions withheld from employee wages. For 2026, the TDI rate is 0.19% and the FLI rate is 0.23%, both applied to wages up to $171,100. These are separate from state income tax and fund short-term disability and paid family leave benefits.
Yes. New Jersey imposes an 11.8% income tax rate on taxable income over $1,000,000. Income between $500,000 and $1,000,000 is taxed at 10.75%. These are among the highest state income tax rates in the US.
No. New Jersey does not recognize traditional 401(k) deferrals as pre-tax for state income tax withholding purposes. Your NJ taxable wages include your 401(k) contributions even though your federal taxable income does not. However, Section 125 benefits like employer-sponsored health insurance, HSA, and FSA contributions through a qualifying cafeteria plan do reduce NJ taxable wages.
The NJ TDI and FLI taxable wage base for 2026 is $171,100, up from $165,400 in 2025. The TDI maximum annual deduction is $325.09 (0.19% x $171,100) and the FLI maximum is $393.53 (0.23% x $171,100). Once your wages for the year exceed $171,100 with a single employer, TDI and FLI withholding stops for the remainder of that calendar year.
For a single filer earning $75,000 annually with biweekly pay, 1 NJ allowance, and no pre-tax deductions, total withholding per paycheck is approximately $685-$730, leaving a net paycheck of roughly $2,160-$2,175. Federal income tax accounts for the largest share, followed by Social Security, NJ state income tax, and Medicare. Use the calculator above for your exact numbers.
Yes. Select "Hourly" at the top of the calculator, enter your hourly rate and weekly hours, and the tool will calculate your gross pay and all applicable NJ and federal withholding per paycheck. You can also check our hourly to salary calculator to see your equivalent annual salary first.
Where our NJ tax data comes from
- NJ Division of Taxation — 2026 Withholding Tables New Jersey income tax brackets (1.5% to 11.8%), NJ-W4 allowance value ($1,000 per allowance), and state withholding calculation method. Source: nj.gov/treasury/taxation
- NJ Department of Labor and Workforce Development — 2026 Rates TDI employee rate: 0.19% on wages up to $171,100 (max $325.09). FLI employee rate: 0.23% on wages up to $171,100 (max $393.53). UI/WF/SWF taxable wage base: $44,800. Source: nj.gov/labor (December 2025 announcement)
- Internal Revenue Service (IRS) — 2026 Federal Withholding Federal income tax brackets and standard deductions for 2026. Source: irs.gov
- Social Security Administration (SSA) — 2026 FICA Rates Social Security rate: 6.2% up to the 2026 wage base (estimated $176,100). Medicare rate: 1.45% all wages, plus 0.9% Additional Medicare Tax above thresholds. Source: ssa.gov
We never store your data
This calculator runs entirely in your browser. Your salary, pay details, and deduction amounts are sent only to our calculation server to process your result and are never stored, logged, or shared.
We do not require an account, email address, or any personal information to use this tool. Close the tab and your data is gone. USAJobsKit does not sell user data.
About this tool
This New Jersey paycheck calculator was developed and reviewed for accuracy and usability by Eman Ali Mughal. All NJ tax rates, TDI/FLI rates, and wage bases used in this tool are sourced from official NJ government publications and are current for the 2026 tax year. The calculation logic is validated against NJ Division of Taxation withholding tables and NJ Department of Labor 2026 rate announcements.