New Jersey Paycheck Calculator
Estimate your New Jersey take-home pay after federal tax, FICA, and New Jersey state income tax. Enter your gross pay, filing status, and pre-tax deductions to see your net pay per paycheck.
2026 standard deduction and personal exemption verified against Tax Foundation 2026 data; bracket thresholds are approximate — verify before launch.
- Take-home$51,900.60 · 79.85%
- Federal tax$5,620.00 · 8.65%
- Social Security + Medicare$4,972.50 · 7.65%
- New Jersey tax$2,043.50 · 3.14%
- NJ TDI$123.50 · 0.19%
- NJ FLI$149.50 · 0.23%
- NJ UI/WF/SWF$190.40 · 0.29%
| Item | Per bi-week | % of gross |
|---|---|---|
| Gross pay | $2,500.00 | 100% |
| Federal withholding | $216.15 | 8.65% |
| Social Security | $155.00 | 6.20% |
| Medicare | $36.25 | 1.45% |
| New Jersey income tax | $78.60 | 3.14% |
| NJ TDI | $4.75 | 0.19% |
| NJ FLI | $5.75 | 0.23% |
| NJ UI/WF/SWF | $7.32 | 0.29% |
| Take-home pay | $1,996.18 | 79.85% |
Living on a paycheck in New Jersey
New Jersey's income tax is sharply graduated, from a low 1.4% up to 10.75% on very high earners, so the state is gentle on modest incomes but heavy at the top. Most workers in the middle pay an effective rate in the mid-single digits.
New Jersey also withholds several mandatory payroll programs — temporary disability, family leave, and unemployment contributions — so the state portion of a paycheck has multiple lines. The calculator above models them.
How New Jersey taxes are withheld
A New Jersey paycheck has federal income tax, Social Security (6.2%), and Medicare (1.45%) withheld, plus graduated state income tax from 1.4% to 10.75% and a personal exemption.
New Jersey also withholds employee contributions for Temporary Disability Insurance (TDI), Family Leave Insurance (FLI), and unemployment/workforce funds. Each is a small percentage up to a wage cap, but together they noticeably reduce take-home, so they appear in the estimate above.
What shapes your take-home in New Jersey
New Jersey's progressive brackets keep effective rates low for modest incomes and climb steeply for high earners. As a rough illustration, a single filer earning $75,000 might owe around $2,400 in state income tax for the year, plus the TDI, FLI, and unemployment premiums. Your exact figure is shown above.
Getting the most from each paycheck in New Jersey
Pre-tax 401(k) and HSA contributions reduce both your federal and your graduated New Jersey tax. The payroll-program premiums are largely fixed, so focus your planning on pre-tax accounts and on keeping your NJ-W4 withholding accurate.
How New Jersey taxes your paycheck
New Jersey has progressive state income tax rates ranging from 1.4% to 10.75%. Use the calculator above to estimate your take-home pay after all withholdings.
Every US paycheck also has federal income tax, Social Security (6.2% up to the annual wage base), and Medicare (1.45%, plus 0.9% on high earners) withheld. Your taxable income is your gross pay minus pre-tax deductions such as 401(k) and pre-tax health premiums.
Frequently Asked Questions
How much is taken out of a paycheck in New Jersey?
New Jersey paychecks have federal income tax, Social Security (6.2%), and Medicare (1.45%) withheld, plus progressive (up to 10.75%) state income tax, plus NJ TDI and NJ FLI and NJ UI/WF/SWF. The exact amount depends on your pay, filing status, and pre-tax deductions.
Does New Jersey have a state income tax?
Yes. New Jersey levies progressive (up to 10.75%) state income tax in addition to federal taxes.
How is this take-home estimate calculated?
It applies 2026 estimated federal brackets, FICA rates, state income-tax rates, local taxes where configured, and employee payroll-program rates to your annual pay minus pre-tax deductions, then divides by your pay frequency. It is a simplified estimate, not official payroll withholding.