# How much is my New Jersey paycheck?

Take-home pay per paycheck after federal withholding (Pub 15-T), Social Security, Medicare, and New Jersey and local tax.

- Page: https://www.acalculator.org/finance/new-jersey-paycheck-calculator
- JSON spec: https://www.acalculator.org/finance/new-jersey-paycheck-calculator.json
- Version: f8f075f5616d

## Default answer

Example with the default inputs (Paid by Salary, Yearly salary $60,000.00, Pay frequency Every two weeks, Filing status (W-4) Single or married separately, Children under 17 0, Other dependents 0, Two jobs (W-4 Step 2) No, Other income (Step 4a) $0.00, Deductions (Step 4b) $0.00, Extra withholding (Step 4c) $0.00, 401(k) or 403(b), % of pay 0%, Health premiums a paycheck $0.00, HSA or FSA a paycheck $0.00, Other local tax rate 0%, Pay date September 30, 2026) on the example date Wednesday, September 30, 2026: On $2,307.69 of gross pay per paycheck, your take-home pay is $1,853.09.

## Inputs

| Key | Label | Description |
| --- | --- | --- |
| pay | Paid by | Salary, or hourly rate and hours. |
| salary | Yearly salary | Yearly gross pay. |
| rate | Hourly rate | Pay for one regular hour. |
| hours | Hours a week | Regular hours each week. |
| ot | Overtime hours a week | Hours each week paid at 1.5 times the rate. |
| freq | Pay frequency | Paychecks a year: 52, 26, 24, or 12. |
| status | Filing status (W-4) | Form W-4 filing status. |
| kids | Children under 17 | W-4 Step 3: $2,200 each. |
| deps | Other dependents | W-4 Step 3: $500 each. |
| twoJobs | Two jobs (W-4 Step 2) | W-4 Step 2(c) box checked. |
| w4a | Other income (Step 4a) | W-4 Step 4(a). |
| w4b | Deductions (Step 4b) | W-4 Step 4(b). |
| w4c | Extra withholding (Step 4c) | W-4 Step 4(c). |
| k401 | 401(k) or 403(b), % of pay | Pre-tax retirement contribution. |
| health | Health premiums a paycheck | Pre-tax premiums (section 125). |
| hsa | HSA or FSA a paycheck | Pre-tax HSA or FSA contribution. |
| localRate | Other local tax rate | Other local tax. |
| date | Pay date | Its year picks the tax year. |

## Outputs

| Key | Label | Description |
| --- | --- | --- |
| net | Take-home pay | Net pay per paycheck. |
| gross | Gross pay | Pay before tax and deductions. |
| federal | Federal income tax | Pub 15-T withholding, with Step 4(c). |
| fica | Social Security and Medicare | Social Security plus Medicare. |
| socialSecurity | Social Security | 6.2% up to the wage base. |
| medicare | Medicare | 1.45%, plus 0.9% over $200,000. |
| stateLocal | State and local tax | State and local total. |
| stateTax | New Jersey income tax | State income tax. |
| statePayroll | New Jersey payroll contributions | State contributions. |
| localTax | Local income tax | Local income tax. |
| deductions | Pre-tax deductions | 401(k), health, HSA or FSA. |

## Method

Gross = salary (or rate × (hours + 1.5 × overtime) × 52) ÷ paychecks. Federal: Pub 15-T Worksheet 1A. Social Security and Medicare: the year’s ÷ paychecks. New Jersey: the year’s tax and contributions ÷ paychecks.

## Assumptions

- An estimate, not tax advice. A 2020 or later Form W-4.
- Not modelled: Roth and after-tax deductions, garnishments, bonuses, tips, AMT, the premium tax credit, education credits.
- New Jersey tax is the year’s tax spread evenly (not New Jersey’s withholding formula). 2026 rates.

## Worked examples

1. pay = salary, salary = $52,000.00, freq = biweekly, status = single, date = 2026-03-13 gives net = $1,624.15. Source: IRS Pub 15-T 2026; New Jersey 2026 rates.
2. pay = salary, salary = $85,000.00, freq = semimonthly, status = mfj, kids = 2, k401 = 5%, health = $150.00, date = 2026-03-13 gives net = $2,849.20. Source: IRS Pub 15-T 2026; New Jersey 2026 rates.
3. pay = hourly, rate = $25.00, hours = 40, ot = 5, freq = weekly, status = hoh, kids = 1, hsa = $20.00, w4c = $10.00, date = 2026-03-13 gives net = $1,004.44. Source: IRS Pub 15-T 2026; New Jersey 2026 rates.

## FAQ

### Does New Jersey have a state income tax?

Yes: a graduated income tax from 1.4% to 10.75% (2026 rates, single filer brackets). The calculator takes your taxable wages for the year, subtracts the New Jersey standard deduction and exemptions, applies the brackets and credits, and spreads the tax over your paychecks.

### What payroll contributions come out of a New Jersey paycheck?

The calculator takes NJ TDI at 0.19% of wages up to $171,100; NJ FLI at 0.23% of wages up to $171,100; NJ UI and WF at 0.425% of wages up to $44,800. These count all pay as wages, cafeteria plan (section 125) deductions included (N.J.A.C. 12:16-4.15).

### Do I pay local income tax in New Jersey?

This calculator has no local income tax for New Jersey. If your city, county, or school district charges one, type its rate under “Other local income tax rate”.

### What does this New Jersey paycheck calculator leave out?

It uses the year’s New Jersey tax spread over your paychecks, not New Jersey’s own withholding formula, and New Jersey taxes health, HSA, and FSA deductions taken through a cafeteria plan (NJ Division of Taxation, NJ-WT), so the calculator adds them back to New Jersey wages. New Jersey excludes 401(k) deferrals but taxes 403(b) and 457 ones; the page treats the retirement box as a 401(k). Federal items left out: the alternative minimum tax, the premium tax credit, and education and other credits.

### Which tax year and source does the New Jersey calculator use?

New Jersey 2026 rates, from the New Jersey revenue department (listed under Sources), and the 2026 IRS withholding tables. When New Jersey publishes new rates, the page is updated. A pay date before 2026 is refused, because the page has the 2026 tables only; a later date uses the 2026 tables until new ones are added.

### How is federal income tax withholding worked out?

By IRS Publication 15-T Worksheet 1A, the method payroll software uses. Your taxable pay is multiplied by the paychecks in a year, the Form W-4 Step 4(a) income is added, and $8,600 ($12,900 if married filing jointly) plus the Step 4(b) deductions are taken off, unless the Step 2 box is checked. The yearly amount is looked up in the 2026 percentage method table, divided by the paychecks, reduced by the Step 3 credit per paycheck, and the Step 4(c) extra amount is added.

### How much Social Security and Medicare comes out of each paycheck?

Social Security is 6.2% of wages until the year’s wages reach $184,500 (2026). Medicare is 1.45% of all wages, plus 0.9% on wages over $200,000 in the year. Health premiums and HSA or FSA contributions through a cafeteria plan are not taxed; 401(k) contributions are. The calculator spreads the year’s amounts evenly over your paychecks.

### Why might my real paycheck differ?

Employers round each step, some use the wage bracket tables instead of the percentage method, and the calculator spreads Social Security and state tax evenly over the year. Roth and after-tax deductions, wage garnishments, and bonuses are not included. This is an estimate, not tax advice.

## Sources

- New Jersey: NJ Division of Taxation, 2025 NJ-1040 instructions, Tax Rate Schedules (rates unchanged by statute), https://www.nj.gov/treasury/taxation/pdf/current/1040i.pdf; NJ Department of Labor, 2026 rate information (TDI 0.19%, FLI 0.23%, $171,100; worker UI 0.3825% and workforce 0.0425% of the first $44,800), https://www.nj.gov/labor/ea/employer-services/rate-info/; N.J.A.C. 12:16-4.15 (section 125 salary reductions are wages for these contributions), https://www.law.cornell.edu/regulations/new-jersey/N-J-A-C-12-16-4-15
- IRS, Publication 15-T (2026), Federal Income Tax Withholding Methods: Worksheet 1A and the Annual Percentage Method tables. https://www.irs.gov/pub/irs-pdf/p15t.pdf
- IRS, Publication 15 (2026), (Circular E), Employer’s Tax Guide: Social Security 6.2% to $184,500, Medicare 1.45%, Additional Medicare 0.9% over $200,000. https://www.irs.gov/pub/irs-pdf/p15.pdf
- IRS, Form W-4 (2026), Employee’s Withholding Certificate: $2,200 per child under 17 and $500 per other dependent in Step 3. https://www.irs.gov/pub/irs-pdf/fw4.pdf