New Jersey Paycheck Calculator
Estimate your take-home pay in New Jersey, which taxes income progressively across eight brackets ranging from 1.4% up to 10.75% for income over $1 million, one of the highest top rates in the country.
California payroll premiums
Mandatory deductions that aren't income tax. They come out of your paycheck whether or not California taxes income.
- CA SDI1.3% (no cap)
1.3% of all wages, with no cap since 2024.
Your Form W-4
Optional. Skip this and you'll get the withholding for a W-4 with nothing claimed on it. The form has had no "allowances" since 2020 — dependents are now a dollar credit in Step 3.
The dollar total from Step 3, not a number of people — typically $2,200 per qualifying child and $500 per other dependent.
Interest, dividends or retirement income with no withholding of its own.
Only deductions beyond the standard deduction, from the Step 4(b) worksheet.
An extra dollar amount held from each paycheck, on top of the tax above.
This calculator provides estimates for informational purposes only. Actual paycheck amounts may vary based on your employer, benefits, local taxes, filing status, and tax elections.
Federal withholding calculation updated September 2026 using IRS Publication 15-T (2026).
Your estimate will appear here
Enter your pay details and click calculate to see your estimated take-home pay, tax breakdown, and annual income.
Why a flat estimate never fitted New Jersey: the brackets span 1.4% at the bottom to 10.75% at the top, so no single percentage suits every income. The old 4.5% stand-in ran about $190 a year too high at $30,000 and roughly $1,300 too low at $150,000. The calculator now uses the real schedule, so that gap is gone.
The payroll deductions people forget: New Jersey withholds four separate worker contributions on top of income tax. Unemployment and workforce development stop once you have earned $44,800; disability and family leave run to $171,100. Together they come to about $505 a year on a $75,000 salary.
Quick Answer
New Jersey's state income tax has eight brackets ranging from 1.4% to 10.75%, with the top rate applying only to income above $1 million. This calculator runs the full published schedule against your wages after the $1,000 personal exemption, along with federal income tax, Social Security (6.2%), and Medicare (1.45%). It now also includes the four worker payroll contributions New Jersey withholds: unemployment, workforce development, disability and family leave.
How It Works: Formula & Variables
Net Pay = Gross Pay − Federal Tax − State Tax (1.4% to 10.75%) − UI, WF/SWF, DI and FLI − Social Security − Medicare − Other Deductions
- Gross Pay
- Your total earnings before any deductions, hourly rate times hours, or annual salary divided by pay periods.
- Federal Tax
- Calculated using progressive tax brackets based on your filing status and taxable income.
- State Tax
- Calculated from New Jersey's published schedule, applied to your wages after the $1,000 personal exemption. New Jersey has no standard deduction. Single filers use Table A, while joint filers and heads of household use Table B, whose brackets are wider at every step.
- Worker Contributions
- Unemployment and workforce development at 0.3825% and 0.0425% on the first $44,800, plus disability at 0.19% and family leave at 0.23% on the first $171,100. Not income tax, but withheld from every New Jersey paycheck.
- Social Security
- 6.2% of gross pay, up to the annual wage base limit.
- Medicare
- 1.45% of gross pay, with no wage limit (plus 0.9% surtax above certain thresholds).
Worked Examples
Example 1: Hourly worker in Trenton
Jamie works 40 hours a week at $21 an hour. Gross weekly pay is $840. After federal income tax (around $58.88), New Jersey state tax ($16.65), the four worker payroll contributions ($7.10), Social Security (6.2%, or $52.08), and Medicare (1.45%, or $12.18), estimated take-home pay lands at about $693.12 a week, roughly 82.5% of gross pay. At this salary most of the income sits in New Jersey's 1.4% and 1.75% brackets, which is why the state line is so small.
Example 2: Salaried employee in Jersey City
Morgan earns $80,000 a year, paid biweekly ($3,076.92 gross per paycheck), filing as Single, commuting into New York for work. After federal tax, New Jersey state tax ($111.77), the worker payroll contributions ($20.25), Social Security, and Medicare, estimated take-home pay comes out to roughly $2,372.21 per paycheck, about 77.1% of gross pay.
Example 3: Married couple in Newark
Casey and Robin file Married Filing Jointly with a combined salary of $145,000 a year, paid biweekly ($5,576.92 gross per paycheck). After federal tax, New Jersey state tax ($197.14), the worker payroll contributions ($30.75), Social Security, and Medicare, estimated take-home pay comes out to roughly $4,374.71 per paycheck, about 78.4% of gross pay. Filing jointly puts them on New Jersey's Table B, whose brackets are wider than the single schedule at every step.
Key Concepts
One of the widest bracket ranges in the country: New Jersey's eight brackets span from 1.4% to 10.75%, a much wider spread than flat-tax states like Illinois or Pennsylvania, or even other progressive states with fewer brackets.
The "millionaire's tax" only hits a small share of filers: The 10.75% top rate applies solely to taxable income above $1 million a year, so it affects a relatively small number of very high earners rather than typical households.
Property tax, not income tax, is New Jersey's signature burden: New Jersey consistently ranks among the states with the highest property taxes, which is a bigger factor in the state's overall tax reputation than the income tax brackets themselves.
No local income tax on top of the state system: Unlike Ohio, Pennsylvania, or Maryland, New Jersey cities and counties don't add their own income tax, so the state brackets are the full income tax picture.
Useful for comparing job offers: If you're weighing a New Jersey offer against one in New York or Pennsylvania, especially near the state line, run both through a paycheck calculator, since bracket structures and rates differ meaningfully between the three.
Common Mistakes
Assuming everyone pays close to 10.75%: That rate only applies to income over $1 million. Most New Jersey workers pay a much lower effective rate once the lower brackets are factored in.
Adding a local income tax that doesn't exist: New Jersey municipalities don't charge income tax, even though property tax bills there can be substantial.
Comparing gross salaries across states: A $90,000 offer in New Jersey and a $90,000 offer in Pennsylvania don't translate to the same take-home pay. Always compare net pay, not gross.
Ignoring pre-tax deductions: 401(k) contributions and health insurance premiums lower your taxable income before both federal and state tax apply, so leaving them out understates your real take-home pay.
Frequently Asked Questions
New Jersey uses a progressive system with eight brackets, from 1.4% on the first $20,000 of income up to 10.75% on income over $1 million. Most workers fall somewhere in the middle of that range. This calculator works through the full schedule rather than averaging it, using the same multiply-and-subtract arithmetic New Jersey publishes, with the $1,000 personal exemption applied first.
No, that rate only applies to taxable income above $1 million a year, sometimes called the "millionaire's tax." Most New Jersey workers pay well below that, since the brackets step up gradually: 1.4%, 1.75%, 2.45%, 3.5%, 5.525%, 6.37%, 8.97%, and finally 10.75% at the top.
No. New Jersey municipalities, including Newark and Jersey City, don't collect a separate city or county income tax. What New Jersey is well known for instead is high property tax, among the highest in the country, which funds most local government services.
Federal income tax, New Jersey's state income tax (1.4% to 10.75% across eight brackets), Social Security (6.2% up to the annual wage base), and Medicare (1.45%, plus 0.9% more for high earners). New Jersey also has its own unemployment and disability insurance payroll deductions, which are separate from income tax and not included in this calculator.
New Jersey's eight-bracket structure is designed to tax higher incomes at progressively higher rates, with a particular focus on very high earners through the 8.97% and 10.75% brackets added in recent years. It's one of the more granular bracket systems among states that tax income progressively.
Yes, switch between the Hourly and Salary tabs and enter your wage or annual salary along with your pay frequency. The state is already set to New Jersey.
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