New Jersey
New Jersey paycheck calculator
New Jersey uses graduated rates from 1.4% to 10.75% after a small personal exemption ($1,000 single / $2,000 joint). Joint brackets are a different schedule, not a simple doubling of single thresholds. There is no large standard deduction sitting under those rates. Newark or Jersey City employer payroll taxes are not employee withholding in this model.
Traditional 401(k) deferrals stay in the New Jersey wage base — the same stubborn pattern as Pennsylvania. Federal income tax still falls when you defer; the NJ line does not. Temporary Disability Insurance and Family Leave Insurance are real New Jersey withholdings for many employees and are not in the payroll file yet, so this stub is light by those premiums on purpose.
Someone commuting into New York City should leave NYC off this page and use the city control only when New York City residency applies. This estimate taxes New Jersey; it does not compute a New York nonresident return or allocate wage days.
Example take-home
| Salary | Federal | FICA | State | Payroll | Local | Net / year | Net / check |
|---|---|---|---|---|---|---|---|
| $40,000.00 | $2,620.00 | $3,060.00 | $682.50 | $0.00 | $0.00 | $33,637.50 | $1,293.75 |
| $60,000.00 | $5,020.00 | $4,590.00 | $1,768.20 | $0.00 | $0.00 | $48,621.80 | $1,870.06 |
| $80,000.00 | $8,770.00 | $6,120.00 | $2,907.80 | $0.00 | $0.00 | $62,202.20 | $2,392.38 |
| $100,000.00 | $13,170.00 | $7,650.00 | $4,181.80 | $0.00 | $0.00 | $74,998.20 | $2,884.54 |
| $150,000.00 | $24,734.00 | $11,475.00 | $7,366.80 | $0.00 | $0.00 | $106,424.20 | $4,093.24 |
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What this page includes
- Federal income tax using the 2026 standard deduction and Rev. Proc. 2025-32 brackets
- Social Security (6.2% up to $184,500) and Medicare (1.45%, plus Additional Medicare when wages clear the filing-status threshold)
- New Jersey: graduated state income tax (top 10.75%)
- No employee state disability / paid-leave premium modeled for this state yet
- Local wage tax only if you select a city/county or enter a custom percent
Local tax
New Jersey does not have a local wage tax in this file. City costs show up in rent and sales tax, not as a second income-tax line on the stub.
What is not included
Credits, itemized deductions, multi-state credits, property tax, sales tax, and unsourced local rates are not included. Employer payroll tables can differ from this annualized estimate. This New Jersey page does not invent taxes that are missing from the 2026 data files.
Questions
Does a 401(k) reduce New Jersey tax?
Not in this model. Employee deferrals remain in New Jersey gross income. They still reduce federal income tax.
Are New Jersey TDI and FLI included?
No. Those withholdings are documented as not modeled so a missing line is not mistaken for a zero rate.
Are joint New Jersey brackets the same as single?
No. Joint filers use a separate published schedule with different thresholds.
Nearby
Compare · Bonus · Hourly · All states · Local taxes
Sources
- IRS newsroom, tax year 2026 inflation adjustments (Rev. Proc. 2025-32)
- Rev. Proc. 2025-32 (PDF)
- Tax Foundation, 2026 federal income tax brackets
- IRS Publication 15-T, Federal Income Tax Withholding Methods
- SSA, Contribution and benefit base
- IRS Publication 15 (Circular E), Employer's Tax Guide
- IRS, Questions and answers for the Additional Medicare Tax
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026
- IRS, state government websites index
See a rate that looks wrong? The sources and the gaps are public.