Rates verified on 2026-10-11
Estimates only
New Jersey take-home pay calculator
Tax year 2026 (Jan 1 – Dec 31, 2026)
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Tax year 2026
How New Jersey take-home pay is calculated (2026)
A New Jersey paycheck estimate stacks federal income tax and FICA with New Jersey Gross Income Tax (1.4%–10.75% after the published schedules) plus employee UI/WF/SWF, Temporary Disability Insurance, and Family Leave Insurance. Personal exemptions are disclosed but not subtracted, so compare the state line to your NJ-1040 when exemptions matter.
New Jersey Gross Income Tax brackets on a paycheck
New Jersey Gross Income Tax is progressive — 1.4% to 10.75% on New Jersey taxable income, with separate schedules for single/MFS versus joint/HOH (NJ-1040-ES 2026 Tables A and B). This estimate walks those published brackets on AGI; personal exemptions ($1,000 taxpayer / $1,500 dependents and other categories) stay outside the model, so the state line can run a little high versus a full NJ-1040. Most private-sector employees also pay UI/WF/SWF (0.425% up to $44,800), Temporary Disability Insurance (0.19% up to $171,100), and Family Leave Insurance (0.23% up to $171,100) — all three are included from NJ DOL 2026 worker rates.
State income tax (2026)as of 2026
Progressive 1.4%–10.75% (GIT schedules)
Source: NJ-1040-ES 2026 — estimated tax rate schedules →NJ TDI + FLI (2026)as of 2026
0.19% + 0.23% on wages up to $171,100
Source: NJ DOL — Employer Accounts rate information →Median household incomeas of 2024 ACS 1-year
$104,294
Source: U.S. Census Bureau — New Jersey profile (ACS median household income) →
Local wage taxes
New Jersey does not add a statewide municipal wage income tax in this model. Differences versus a real paycheck usually come from NJ personal exemptions, private disability or family-leave plans, and NJ-W4 withholding elections — not a city income-tax line.
What makes a New Jersey paycheck different
- Progressive Gross Income Tax to 10.75% with separate single/MFS and joint/HOH schedules (NJ-1040-ES 2026).
- Employee UI/WF/SWF, TDI, and FLI payroll premiums are subtracted (included in the estimate).
- Personal exemptions ($1,000 / $1,500 dependents and other categories) stay outside this estimate.
- HSA payroll contributions are pre-tax federally but New Jersey does not conform — they stay in NJ taxable wages here (same pattern as California).
- Federal income tax and FICA still apply; New Jersey does not replace them.
- Compared with Pennsylvania’s flat 3.07%, New Jersey’s gap is the graduated GIT line plus TDI/FLI.
How we count New Jersey take-home
- New Jersey Gross Income Tax: progressive brackets from NJ-1040-ES 2026 Tables A/B on AGI (no standard deduction in this model).
- Federal income tax: IRS 2026 brackets and standard deduction.
- FICA: Social Security and Medicare (and Additional Medicare where it applies).
- NJ Unemployment / WF / SWF: employee 0.425% on wages up to $44,800 (included).
- NJ Temporary Disability Insurance (TDI): employee 0.19% on wages up to $171,100 (included).
- NJ Family Leave Insurance (FLI): employee 0.23% on wages up to $171,100 (included).
- Not modeled: Personal exemptions.
Full United States methodology · Bracket tables · Engine & privacy
Sources & status
VerifiedPrimary sources below, grouped by layer. Oldest verification on this page: 2026-10-11.
Federal
- IRS Rev. Proc. 2025-32 (brackets + standard deduction) →verified 2026-10-11
- IRS newsroom IR-2025-103 tax year 2026 inflation adjustments →verified 2026-10-11
- SSA contribution and benefit base 2026 →verified 2026-10-11
- IRS retirement topics — 401(k) contribution limits 2026 →verified 2026-10-11
- IRS — HSA contribution limits (Pub. 969; age-55 catch-up $1,000 fixed) →verified 2026-11-07
- IRS newsroom — 401(k) limit $24,500; catch-up $8,000 / ages 60–63 $11,250 (2026) →verified 2026-11-07
- IRS — Retirement topics catch-up contributions (2026) →verified 2026-11-07
State
- NJ-1040-ES 2026 instructions — Gross Income Tax rate schedules (Tables A/B) →verified 2026-11-11
- NJ Division of Taxation — Gross Income Tax overview (exemptions; filing thresholds) →verified 2026-11-11
- NJ DOL Employer Accounts — 2026 worker rates (UI 0.3825% + WF/SWF 0.0425%; TDI 0.19%; FLI 0.23%) and wage bases ($44,800 UI/WF; $171,100 TDI/FLI) →verified 2026-11-11
- M-6025 — 2026 W-2 wage bases (UI/WF/SWF $44,800; DI/FLI $171,100) →verified 2026-11-11
Payroll programs
- NJ Unemployment / WF / SWF →verified 2026-11-11
Related United States guides
New Jersey tax brackets (2026)
Federal income tax brackets (Single)
| From | To | Rate |
|---|---|---|
| $0.00 | $12,400.00 | 10.00% |
| $12,400.00 | $50,400.00 | 12.00% |
| $50,400.00 | $105,700.00 | 22.00% |
| $105,700.00 | $201,775.00 | 24.00% |
| $201,775.00 | $256,225.00 | 32.00% |
| $256,225.00 | $640,600.00 | 35.00% |
| $640,600.00 | and above | 37.00% |
New Jersey state tax brackets (single)
| From | To | Rate |
|---|---|---|
| $0.00 | $20,000.00 | 1.40% |
| $20,000.00 | $35,000.00 | 1.75% |
| $35,000.00 | $40,000.00 | 3.50% |
| $40,000.00 | $75,000.00 | 5.53% |
| $75,000.00 | $500,000.00 | 6.37% |
| $500,000.00 | $1,000,000.00 | 8.97% |
| $1,000,000.00 | and above | 10.75% |
How a US paycheck works
Every US paycheck starts with the same federal layers: income-tax withholding from Form W-4, plus Social Security and Medicare (FICA). State and local lines come next when your region files them.
Counttaxes estimates annual liability from verified rate files, then shows per-paycheck amounts for your frequency — not a live payroll withholding run.
Worked examples (New Jersey, annual, default assumptions)
| Gross | Net | Effective |
|---|---|---|
| $60,000.00 | $48,125.10 | 19.8% |
| $100,000.00 | $74,325.85 | 25.7% |
| $150,000.00 | $105,541.85 | 29.6% |
Examples use single filing status and no 401(k)/HSA. Open the calculator above to try your salary and filing status. Nets include NJ UI/WF (0.425%) and NJ TDI (0.19%) and NJ FLI (0.23%).
Frequently asked questions
- Does this New Jersey take-home include UI/WF, TDI, and FLI?
- Yes. NJ Unemployment / WF / SWF (0.425% on wages up to $44,800) is included in this estimate. NJ Temporary Disability Insurance (TDI) (0.19% on wages up to $171,100) is included in this estimate. NJ Family Leave Insurance (FLI) (0.23% on wages up to $171,100) is included in this estimate. Sources are listed under Sources & verification.
- Does New Jersey have a standard deduction?
- New Jersey uses personal exemptions and other deductions on the Gross Income Tax return rather than a federal-style standard deduction. This calculator walks the published rate schedules on AGI and leaves exemptions outside the estimate.
- What are the 2026 NJ disability and family leave rates?
- For calendar year 2026, employee Temporary Disability Insurance is 0.19% and Family Leave Insurance is 0.23%, each on wages up to $171,100. Unemployment Insurance plus Workforce Development / Supplemental Workforce Funds total 0.425% on wages up to $44,800.
- Why might my stub differ from this estimate?
- Private disability or family-leave plans, NJ personal exemptions, multiple employers hitting wage-base caps twice before a refund, and NJ-W4 elections can all change the lines. Use this as a ballpark, then reconcile to your W-2 and NJ-1040.
- Is the top New Jersey rate 10.75%?
- Yes. The top Gross Income Tax rate is 10.75% on New Jersey taxable income over $1,000,000 (same for both rate schedules in the 2026 NJ-1040-ES instructions).
Related United States calculators
Useful links
Official New Jersey tax agencies and the primary sources behind the rates on this page.
- NJ Division of Taxation →
Gross Income Tax forms, tables, and guidance
- NJ-1040-ES 2026 instructions (PDF) →
Primary source for 2026 rate schedules
- NJ DOL — rate information →
Worker UI / TDI / FLI rates and wage bases
- M-6025 — 2026 W-2 notice (PDF) →
Official 2026 taxable wage bases
- IRS — Tax Withholding Estimator →
Federal paycheck spot-check