New Jersey Paycheck Calculator
In New Jersey for 2026, a $75,000 salary takes home about $58,436 per year after federal income tax and FICA (Social Security and Medicare), and New Jersey state income tax and NJ disability insurance, paid family leave, unemployment insurance and workforce development contributions.
These are example numbers. Type yours to see your own.
Based on a $75,000 salary in New Jersey, single filer, paid every 2 weeks
$2,247.53
take-home per 2 weeks · $58,436/yr
Your federal tax on New Jersey pay, worked out one bracket at a time
| Bracket | Income taxed here | Tax |
|---|---|---|
| 10% ($0 – $12,400) | $12,400 | $1,240 |
| 12% ($12,400 – $50,400) | $38,000 | $4,560 |
| 22% ($50,400 – $105,700) | $8,500 | $1,870 |
Taxable income $58,900 after the $16,100 standard deduction. Your federal marginal rate is 22%, the federal tax on your next dollar earned.
Compare your take-home pay with New York, Pennsylvania or Delaware
Tips, overtime, bonuses, turning 65: what New Jersey workers should check
Choose anything that matches how you are paid in New Jersey and the list trims itself.
Tips: federally deductible, but New Jersey still taxes tips in full. Work out the tip deduction
Overtime: federally deductible, but New Jersey still taxes overtime premium pay in full. Work out the overtime deduction
Bonuses: New Jersey has no separate supplemental rate, so a bonus is withheld on the ordinary New Jersey tables. Estimate the tax on a bonus in New Jersey
Turning 65: the $6,000 federal senior deduction comes off your federal return; New Jersey's seven brackets still apply to the same wages. Check the senior deduction
Use this free New Jersey (NJ) paycheck, payroll and income tax calculator to estimate your 2026 take-home pay after federal income tax, Social Security, Medicare, and New Jersey's graduated state income tax (seven brackets, 1.4% to 10.75%).
Use the calculator for your own salary or hourly rate.
New Jersey's seven-bracket ladder (1.4%–10.75%): what comes out of each 2026 check
New Jersey uses graduated 2026 state income-tax brackets, so higher pay is taxed at higher marginal rates — and there is no state standard deduction to subtract first. This calculator applies that on top of federal withholding and Social Security / Medicare to estimate your New Jersey take-home pay.
New Jersey uses a graduated income tax with 7 brackets for 2026, with marginal rates ranging from 1.4% to a top rate of 10.75% (which applies to single-filer taxable income above $1,000,000). New Jersey does not provide a state standard deduction. As a worked example, a single filer earning $60,000 pays about $1,823 in New Jersey income tax (roughly 3.0% of gross) before federal tax and FICA.
What this estimate doesn't include: New Jersey has no local wage income tax for residents (Newark payroll tax is employer-side). New Jersey has no standard deduction; its $1,000 personal exemption and $1,500-per-dependent exemptions are not modeled. 2026 brackets are statutory (not inflation-indexed) and unchanged from prior years per the NJ Division of Taxation. City, county or school-district income taxes where they apply, court-ordered deductions, union dues, and anything else your specific employer withholds are not in this figure; your pay stub is the authority on those.
Estimates only, not tax advice. The section "What this estimate doesn't include" above lists what's left out; see also our terms and the corrections log.
New Jersey's seven 2026 brackets, from 1.4% to 10.75% (single filers)
New Jersey's graduated single-filer schedule for 2026, with no state standard deduction to subtract first:
| Taxable income | Marginal rate |
|---|---|
| $0 – $20,000 | 1.4% |
| $20,000 – $35,000 | 1.75% |
| $35,000 – $40,000 | 3.5% |
| $40,000 – $75,000 | 5.525% |
| $75,000 – $500,000 | 6.37% |
| $500,000 – $1,000,000 | 8.97% |
| $1,000,000 and above | 10.75% |
Temporary Disability Insurance and Family Leave Insurance: what else New Jersey takes from your check
New Jersey runs employee-funded payroll programs that come off your check on top of income tax and FICA:
| Program | Employee rate (2026) | Wage base / cap |
|---|---|---|
| Temporary Disability Insurance (TDI) - employee share | 0.19% | $171,100 (max employee contribution $325.09) |
| Family Leave Insurance (FLI) - employee share | 0.23% | $171,100 |
| Unemployment Insurance (UI) - employee share | 0.3825% | $44,800 |
| Workforce Development/Supplemental Workforce Funds (WF/SWF) - employee share | 0.0425% | $44,800 |
Included in your take-home: the NJ UI, NJ WF/SWF, NJ TDI, NJ FLI contributions are subtracted from the take-home estimate at the top of this page. These are withheld after tax and do not lower your taxable income.
Local income taxes in New Jersey
New Jersey has no general local income tax, but Newark levies a 1% payroll tax that is employer-paid (not deducted from employee paychecks). For employees, only state income tax and state payroll deductions apply.
Your paycheck vs the $103,556 New Jersey median
| Median household income (2024 (ACS 1-Year)) | $103,556 |
| Take-home (single filer) | ≈$76,586 |
New Jersey's own $15.92 minimum wage — above the federal floor (2026)
$15.92/hour (≈$33,114/year full-time). Effective January 1, 2026, New Jersey's minimum wage rose to $15.92/hour for most employees; seasonal and small employers (fewer than 6 workers) are at $15.23.
Is overtime and tips tax-free in New Jersey? Federally yes, but New Jersey still taxes both
Federal law lets you deduct qualified tips and overtime premium pay from 2025 through 2028 (OBBBA caps & rules), though Social Security and Medicare are still withheld.
New Jersey state income tax: New Jersey has not adopted the federal tips/overtime deductions for state income tax as of mid-2026, so they reduce your federal tax only. (source: tax.thomsonreuters.com)
- Overtime: 2025 — not deductible on your New Jersey return (still state-taxed); 2026–2028 — not deductible on your New Jersey return (still state-taxed).
- Tips: 2025 — not deductible on your New Jersey return (still state-taxed); 2026–2028 — not deductible on your New Jersey return (still state-taxed).
Related: overtime calculator · tips calculator · overtime by state · tips by state.
Two New Jersey payroll quirks worth knowing
- New Jersey has the nation's 4th-highest top marginal income tax rate at 10.75% on income over $1,000,000 (behind only California, Hawaii, and New York).
- For 2026 NJ employees pay into four separate state payroll funds with two different wage caps: UI (0.3825%) and WF/SWF (0.0425%) on the first $44,800, plus TDI (0.19%) and FLI (0.23%) up to $171,100.
Beyond the paycheck: New Jersey's 6.625% sales tax and property tax
| Sales tax | 6.625% (≈6.6% with local) |
| Property tax | ≈2.23% — Highest effective property tax rate in the nation; median annual bill near $9,500 vs. a national median around $2,800. |
New Jersey paycheck FAQ
Does New Jersey have a state income tax in 2026?
Yes — seven graduated brackets from 1.4% to 10.75% in 2026, on top of federal tax and FICA.
Do cities or counties in New Jersey take a local income tax out of paychecks?
New Jersey has no general local income tax, but Newark levies a 1% payroll tax that is employer-paid (not deducted from employee paychecks). For employees, only state income tax and state payroll deductions apply.
Compare a paycheck next door: New York, Pennsylvania & Delaware
| State | State income tax (2026) | Take-home on $75,000 (single) |
|---|---|---|
| New Jersey | seven brackets, 1.4%–10.75% | $58,436 |
| New York | nine brackets, 3.9%–10.9% | $57,784 |
| Pennsylvania | flat 3.07% | $59,238 |
| Delaware | seven brackets, 0%–6.6% | $57,874 |
Those are the states next door. To see where New Jersey lands against all of them at once, our take-home pay by state study runs an identical salary at two levels, $75,000 and $100,000, through the 2026 rules of every state and DC, except Arizona, California, District of Columbia, Idaho, Maryland and Vermont, still on their 2025 tables, ranked from the most take-home pay to the least.
All state paycheck calculators →
Data compiled and maintained by Edmond Daher · Updated 2026-07-31