How to use this calculator
- Choose salary or hourly, then enter your annual salary or your hourly rate and hours per week.
- Pick how often you're paid and your filing status. The state is already set to New Jersey.
- Enter your 401(k) contribution and any pre-tax health, HSA, or after-tax deductions per paycheck.
- If you filled in Steps 2–4 of a 2020-or-later Form W-4, open the Form W-4 section and enter the same values.
- Review your take-home pay and switch the breakdown between annual, monthly, and per-paycheck amounts.
How it's calculated
Federal income tax withholding follows the IRS Publication 15-T percentage method for automated payroll systems with a 2020-or-later Form W-4. Your wages are annualized, reduced by pre-tax deductions, adjusted for your W-4 entries, and run through the 2026 withholding rate schedule for your filing status. If you check the Step 2 box, the schedule uses half the standard deduction and half-width brackets, as the IRS tables do.
Social Security tax is 6.2% of wages up to the 2026 wage base of $184,500. Medicare tax is 1.5% of all wages, and employers withhold an extra 0.90% Additional Medicare Tax on wages above $200,000.
New Jersey taxes wages at rates from 1.4% to 10.75%, after a $1,000 personal exemption ($2,000 married filing jointly). The calculator applies the 2026 New Jersey brackets to your annual wages after the pre-tax deductions New Jersey allows, then divides by your number of paychecks. Employees also pay NJ UI/WF/SWF (0.43% of wages up to $44,800), NJ Disability (TDI) (0.19% of wages up to $171,100), NJ Family Leave (FLI) (0.23% of wages up to $171,100).
Per-paycheck amounts are the annual amounts divided by your number of pay periods, rounded to the cent. Take-home pay is gross pay minus every tax and deduction line.
Assumptions
- New Jersey does not exclude 403(b)/457 contributions, most Section 125 health premiums, or HSA contributions from state wages; 401(k) deferrals are excluded.
- Dependent exemptions, property tax deduction/credit and NJ EITC are not included.
- Employers with private disability/family leave plans may deduct different amounts.
- Assumes you work one job for the whole year at the same pay, with no bonuses, commissions, or overtime. Supplemental pay is often withheld at a flat rate that isn't modeled here.
- Federal figures are withholding estimates, not your final tax bill. Your actual tax is settled when you file your return and can differ because of credits, other income, and itemized deductions.
- 401(k) contributions above the 2026 limit of $24,500 are flagged but not capped, since you may be eligible for catch-up contributions.
- Results are estimates for planning only. Check your pay stub or talk with your payroll department or a tax professional for exact figures.
Frequently asked questions
Does New Jersey have a state income tax?
Yes. New Jersey has a progressive income tax with rates from 1.4% to 10.75% for 2026. Higher rates apply only to the part of your taxable income in each bracket.
How much is taken out of a $60,000 paycheck in New Jersey?
A single filer earning $60,000 a year, paid biweekly with no pre-tax deductions, takes home about $1,853 per paycheck. About $193 goes to federal income tax, $177 to Social Security and Medicare, and $85 to New Jersey state taxes.
What are the 2026 New Jersey income tax brackets?
For single filers, 1.4% applies to taxable income from $0 to $20,000; 1.75% applies to taxable income from $20,000 to $35,000; 3.5% applies to taxable income from $35,000 to $40,000; 5.53% applies to taxable income from $40,000 to $75,000; 6.37% applies to taxable income from $75,000 to $500,000; 8.97% applies to taxable income from $500,000 to $1,000,000; 10.75% applies to taxable income over $1,000,000. The full tables for every filing status are below the calculator.
What is NJ UI/WF/SWF and how much is withheld?
NJ UI/WF/SWF is an employee-paid state payroll contribution of 0.43% of wages up to $44,800 a year. Worker unemployment + workforce development contributions. It's shown as its own line in the breakdown.
What is NJ Disability (TDI) and how much is withheld?
NJ Disability (TDI) is an employee-paid state payroll contribution of 0.19% of wages up to $171,100 a year. It's shown as its own line in the breakdown.
What is NJ Family Leave (FLI) and how much is withheld?
NJ Family Leave (FLI) is an employee-paid state payroll contribution of 0.23% of wages up to $171,100 a year. It's shown as its own line in the breakdown.
Does New Jersey tax 401(k) contributions?
No. Like the IRS, New Jersey excludes traditional 401(k) contributions from taxable wages, so contributing lowers both your federal and New Jersey income tax.
How is take-home pay calculated?
Start with gross pay, subtract pre-tax deductions like a traditional 401(k) and health premiums, then subtract federal income tax withholding, Social Security, Medicare, and any state or local taxes. Finally, subtract after-tax deductions like Roth 401(k) contributions. What's left is your net, or take-home, pay.
2026 New Jersey income tax brackets
| Rate | Taxable income |
|---|---|
| 1.4% | $0 – $20,000 |
| 1.75% | $20,000 – $35,000 |
| 3.5% | $35,000 – $40,000 |
| 5.53% | $40,000 – $75,000 |
| 6.37% | $75,000 – $500,000 |
| 8.97% | $500,000 – $1,000,000 |
| 10.75% | Over $1,000,000 |
| Rate | Taxable income |
|---|---|
| 1.4% | $0 – $20,000 |
| 1.75% | $20,000 – $50,000 |
| 2.45% | $50,000 – $70,000 |
| 3.5% | $70,000 – $80,000 |
| 5.53% | $80,000 – $150,000 |
| 6.37% | $150,000 – $500,000 |
| 8.97% | $500,000 – $1,000,000 |
| 10.75% | Over $1,000,000 |
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Disclaimer: This calculator provides estimates for educational purposes only and is not financial, tax, or legal advice or an offer of credit. Actual payments depend on your lender, loan terms, taxes, and insurance. Consult a qualified professional before making financial decisions.