New Jersey Paycheck Calculator

New Jersey withholding uses one of five annual Rate Tables (A through E), selected on Form NJ-W4: single or married-filing-separately filers always use Rate A, while married-filing-jointly, head-of-household, and qualifying-widow(er) filers default to Rate B unless they complete the form's wage chart and get a different letter. Rates run from 1.5% up to 11.8% on income over $1,000,000. On top of income tax, New Jersey employees also fund four payroll programs: Unemployment Insurance, the Workforce/Supplemental Workforce Development Funds, Temporary Disability Insurance, and Family Leave Insurance — all wage-capped, totaling a maximum of about $909 per year combined at the 2026 wage bases.

Pay type

Annual salary

Pay frequency

State

Federal filing status (W-4 Step 1)

Multiple jobs or spouse works (W-4 Step 2 checkbox)Check if you hold more than one job or file jointly and your spouse also works.

NJ-W4 exemptions

W-4 Steps 3–4: dependents, other income, deductions

Dependents credit (Step 3, annual)

$2,000 per qualifying child under 17.

Other income (Step 4a, annual)

Deductions beyond standard (Step 4b, annual)

Extra withholding (Step 4c, per paycheck)

Benefits & deductions (per paycheck)

Your age

Only used to check 401(k)/HSA catch-up contribution limits — optional.

Traditional 401(k)

HSA contribution

HSA coverage type

Family coverage has a higher IRS contribution limit.

Health FSA

Health insurance premiums

Post-tax deductions

Roth 401(k), garnishments, and other after-tax amounts.

Estimated take-home pay

$2,237per biweekly paycheck

$58,157 per year ·

Take-home 77.5%Federal 10.2%FICA 7.7%State 4.6%

In a no-income-tax state like Texas, the same pay would take home about $3,435 more per year.

New Jersey withholding uses one of five annual Rate Tables (A-E), selected per Form NJ-W4: Single or Married/CU Partner Separate filers always use Rate A. Married/CU Couple Joint, Head of Household, and Qualifying Widow(er) filers use Rate B by default, or whichever letter (A-E) their own NJ-W4 Line 3 Wage Chart produces if they completed it (the chart cross-references the employee's own wages against the combined income of all other household wages — since this calculator doesn't collect a spouse's separate income, enter the letter from your own NJ-W4 if you know it). Annualized wages are reduced by $1,000 per exemption claimed, then taxed per the applicable table. Rates run 1.5% to 11.8% (New Jersey's top bracket, over $1,000,000/yr, applies to every table). Also see the Income Tax Withholding Instructions (NJ-WT), https://www.nj.gov/treasury/taxation/pdf/current/njwt.pdf, and Form NJ-W4, https://www.nj.gov/military/personnel/forms/state-w4-form.pdf. New Jersey also has four employee-paid payroll contributions: Unemployment Insurance (UI), the Workforce Development/Supplemental Workforce Funds (WF/SWF), Temporary Disability Insurance (TDI), and Family Leave Insurance (FLI) — rates and wage bases at https://www.nj.gov/labor/ea/employer-services/rate-info/, confirmed by the wage-base announcement at https://www.nj.gov/labor/lwdhome/press/2025/20251229_newbenefitrates2026.shtml.

How New Jersey taxes your paycheck in 2026

State income tax: Progressive, Rate Tables A-E, 1.5%-11.8% (2026)
Default rate table: A (single/MFS) or B (married/HoH, no wage chart filed)
UI + Workforce Funds (2026): 0.425% combined, capped at $44,800 wages
TDI + Family Leave Insurance (2026): 0.42% combined, capped at $171,100 wages

2026 New Jersey withholding rate schedule (single / married filing separately (Rate A), annual)

Rendered from the same data file the calculator computes with.

Taxable income	Rate
$0 – $20,000	1.5%
$20,000 – $35,000	2%
$35,000 – $40,000	3.9%
$40,000 – $75,000	6.1%
$75,000 – $500,000	7%
$500,000 – $1,000,000	9.9%
Over $1,000,000	11.8%

New Jersey paycheck FAQs

Why do two married New Jersey coworkers with the same salary have different withholding?

New Jersey lets married/head-of-household filers pick a Rate Table (A-E) via their NJ-W4's wage chart, which factors in a spouse's income. Without the chart, withholding defaults to Rate B; completing it can shift withholding to A, C, D, or E depending on combined household wages.

What is New Jersey's Family Leave Insurance deduction?

FLI funds paid family leave and is entirely employee-paid: 0.23% of wages up to $171,100 in 2026 (about $393 per year maximum). It's separate from Temporary Disability Insurance (TDI), which covers the employee's own non-work illness or injury.

Is New Jersey's withholding rate the same as its actual income tax rate?

No — New Jersey deliberately withholds slightly above its statutory filing brackets (which top out at 10.75%, not 11.8%) to compensate for withholding tables not adjusting for multiple jobs the way the federal W-4 does. This is normal and accounted for at filing, not an error.

Tax data verified 2026-07-22 against the official source. See our methodology.