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New Jersey Paycheck Calculator

Estimate your New Jersey take-home pay — federal tax, FICA, graduated NJ-WT withholding, NJ-W4 allowances, and employee UI, disability, and family leave premiums.

Your Pay Details

Total gross pay before any deductions.

Pre-tax deductions

Pre-tax retirement contributions — capped at $24,500 per year.

Your share of employer plan premiums, paid pre-tax.

Advanced optionsOvertime, tips, Roth, and special tax situations

Exempt from federal income tax up to $25,000 under OBBBA — but fully taxable on your state return.

After-tax — reduces take-home pay but not your taxes.

Results update automatically as you type — nothing is submitted or stored.

Your Estimated Take-Home

Net pay per bi-weekly paycheck

$2,237

$58,157 per year ·21.8% of gross withheld

Gross

$2,885

Federal tax

$295

10.2% effective

FICA

$221

New Jersey tax

$113

3.9% effective

  • Federal income tax$7,670
  • FICA$5,738
  • NJ state tax$2,930
  • Pre-tax deductions$0
  • NJ Unemployment Insurance$171
  • NJ Workforce Development Funds$19
  • NJ Temporary Disability Insurance$143
  • NJ Family Leave Insurance$173
  • Take-home pay$58,157
Gross pay$75,000
Federal income tax$7,670
FICA$5,738
NJ state tax$2,930
Pre-tax deductions$0
NJ Unemployment Insurance$171
NJ Workforce Development Funds$19
NJ Temporary Disability Insurance$143
NJ Family Leave Insurance$173
Take-home pay$58,157

How New Jersey paychecks are calculated

New Jersey stacks more line items on a pay stub than most states. Start with gross pay — salary or hourly rate × hours × 52. Federal income tax and FICA run on their usual rules, with pre-tax 401(k), HSA, and health premiums reducing federal taxable wages. New Jersey income tax withholding uses NJ-WT Rate A on wages after 401(k) deferrals and NJ-W4 allowances ($1,000 each). HSA and §125 premiums stay in the NJ withholding base even when they lower federal tax — a detail that trips up people comparing stubs to this calculator.

On top of income tax, four NJ Department of Labor programs withhold from gross wages: unemployment insurance and workforce funds on the first $44,800, plus disability and family leave premiums up to $171,100 with annual caps. Every figure updates in your browser from the 2026 rules embedded in this page.

NJ payroll deductions explained

UI and workforce development premiums are small — $171 plus $19 on $75,000 — but they hit every paycheck until you pass the $44,800 wage base. TDI and FLI scale with pay up to their caps; a $200,000 salary maxes both at $325.09 and $393.53 respectively. None of these reduce your NJ income-tax base — they come out after tax, like Massachusetts PFML.

2026 NJ employee payroll premium rates
ProgramEmployee rateTaxable wagesAnnual max premium
Unemployment Insurance (UI)0.3825%$44,800—
Workforce Development Funds0.0425%$44,800—
Temporary Disability Insurance (TDI)0.19%$171,100$325.09
Family Leave Insurance (FLI)0.23%$171,100$393.53

New Jersey paycheck examples

Every dollar below is computed by the engine above — not typed by hand.

$75,000 salary, 0 NJ-W4 allowances

Line itemAmount
Gross pay (annual)$75,000
Federal income tax−$7,670
FICA (Social Security + Medicare)−$5,738
New Jersey income tax−$2,930
NJ UI + workforce + TDI + FLI−$505
Take-home (annual)$58,157
Take-home (per Bi-Weekly paycheck)$2,237

$75,000 with 2 NJ-W4 allowances

Line itemAmount
Gross pay (annual)$75,000
Federal income tax−$7,670
FICA (Social Security + Medicare)−$5,738
New Jersey income tax−$2,808
NJ UI + workforce + TDI + FLI−$505
Take-home (annual)$58,279
Take-home (per Bi-Weekly paycheck)$2,242

Weekly, bi-weekly, and monthly pay in New Jersey

$75,000 single filer, 0 allowances
Pay frequencyPaychecks / yrGross per paycheckNJ tax per paycheckNJ payroll per paycheckNet per paycheck
Weekly52$1,442$56.35$9.72$1,118
Bi-Weekly26$2,885$112.69$19.44$2,237
Semi-Monthly24$3,125$122.08$21.06$2,423
Monthly12$6,250$244.17$42.12$4,846

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Estimate only — not tax advice

This calculator models 2026 federal rules, NJ-WT Rate A withholding, and NJ Department of Labor employee premium rates. NJ-W4 Rate B/C/D/E elections, PA reciprocity, multistate allocation, and return-side exemption credits are not fully modelled. Confirm amounts with your employer, the NJ Division of Taxation, or a licensed tax professional.

Frequently Asked Questions

How much tax is taken out of a paycheck in New Jersey?
Six layers on a typical New Jersey W-2: federal income tax, FICA, graduated New Jersey income tax withholding, and four state payroll programs — unemployment insurance, workforce development, temporary disability, and family leave. On $75,000 as a single filer with zero NJ-W4 allowances, this calculator estimates $7,670 federal, $5,738 FICA, $2,930 state income tax, and $505 in NJ payroll deductions — about $2,237 per bi-weekly check.
What is the New Jersey income tax rate?
New Jersey uses graduated rates from 1.5% on the first $20,000 of taxable wages up to 11.8% above $1,000,000. Paycheck withholding follows the NJ-WT Rate A percentage-method table — the default for a single filer with no special NJ-W4 election. On $75,000 with zero allowances, that works out to $2,930 withheld (3.9067% effective against wages), not a single flat percentage.
What are NJ-W4 allowances?
Each allowance on Form NJ-W4 removes $1,000 of annual wages before the withholding table runs — $38.46 per bi-weekly check at 26 pay periods. Two allowances on $75,000 drop state withholding from $2,930 to $2,808 here. Allowances adjust withholding during the year; your annual return may still owe or receive a refund depending on credits and other income.
What is NJ Temporary Disability Insurance (TDI)?
TDI is a state insurance program that replaces part of your wages when you cannot work because of a non-work-related illness or injury (pregnancy included). For 2026, employees pay 0.19% on wages up to $171,100, capped at $325.09 per year. On $75,000 that is $143 — a separate line on your pay stub, not part of income tax.
What is NJ Family Leave Insurance (FLI)?
FLI funds paid leave to bond with a new child or care for a seriously ill family member. The 2026 employee rate is 0.23% on wages up to $171,100, with a maximum premium of $393.53. At $75,000 gross you pay $173. Above $171,100 the premium stops increasing — on $200,000 it stays at $394.
How much tax is taken out of a $75,000 paycheck in New Jersey?
With no pre-tax deductions and zero NJ-W4 allowances, total withholding and payroll premiums come to $16,843 on $75,000 gross — $58,157 take-home annually, or about $2,237 per bi-weekly paycheck. State income tax is $2,930; the four NJ payroll programs add another $505.
Does a 401(k) lower New Jersey state tax?
Traditional 401(k) deferrals reduce New Jersey withholding wages — the state follows federal treatment for retirement plan deferrals up to the annual limit. HSA and §125 health premiums do not reduce the NJ income-tax base in withholding, even though they lower federal taxable income. On $75,000 with a $10,000 401(k), state tax drops from $2,930 to $5,380 in this calculator; an HSA alone leaves NJ tax at $2,930.
Does New Jersey have local income tax?
No earned-income tax at the city or county level on wages. New Jersey municipalities do not levy a Philadelphia-style local wage tax, and there is no school-district income tax on paychecks. What you see on a typical W-2 is state income tax plus the NJ payroll programs modelled here — not an extra municipal layer.
How is a New Jersey hourly paycheck calculated?
Annualize first: hourly rate × hours per week × 52. At $25 an hour for 40 hours that is $52,000 gross. This calculator estimates $4,060 federal, $3,978 FICA, $1,527 NJ income tax, and $409 in payroll premiums — about $808 per weekly check. Enter overtime premium under Advanced options; federal law may exempt part of it from federal income tax, but NJ withholding still includes it.
Is this New Jersey paycheck calculator the same as ADP or PaycheckCity?
No affiliation. This tool uses NJ Division of Taxation withholding tables and NJ Department of Labor 2026 premium rates embedded in the page. It models Rate A withholding with NJ-W4 allowances — not every NJ-W4 election, reciprocity agreement, or year-end credit. Use it to understand your breakdown; confirm amounts with your employer or a licensed tax professional.

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⚠️ Disclaimer

This calculator provides estimates only. For personal financial advice, consult a licensed professional. Actual results may vary based on individual circumstances and current market conditions.