New Jersey (NJ) Paycheck Calculator

New Jersey has a graduated income tax with rates ranging from 1.4% to 10.75%. For single filers, the brackets are: 1.4% (up to $20,000), 1.75% ($20,000–$35,000), 3.5% ($35,000–$40,000), 5.525% ($40,000–$75,000), 6.37% ($75,000–$500,000), 8.97% ($500,000–$1M), and 10.75% over $1M. Married filing jointly and head of household filers have a wider bracket structure that adds a 2.45% tier between $50,000 and $70,000. Source: NJ Division of Taxation (nj.gov).

No. New Jersey does not have a standard deduction. New Jersey gross income is taxed without any deduction equivalent to the federal standard deduction. However, NJ does allow personal exemptions ($1,000 per exemption for taxpayers below $100,000 AGI), which are separate from this calculator's scope. The tax base in this calculator is effectively federal AGI (which already reflects your pre-tax 401(k) contributions) minus nothing.

Yes. Unlike Pennsylvania, New Jersey DOES allow pre-tax traditional 401(k) and 403(b) contributions to reduce NJ withholding wages. If you contribute to a 401(k) through your employer, those contributions reduce both your federal AGI and your New Jersey taxable income. This calculator reflects this treatment.

No. New Jersey does not conform to the federal HSA exclusion. While HSA contributions through employer payroll reduce your federal W-2 wages and federal AGI, New Jersey still treats those amounts as taxable income. This calculator starts from federal AGI (which already excludes HSA contributions) and may therefore slightly understate your NJ income tax if you make HSA contributions.

New Jersey withholds State Disability Insurance (SDI) and Family Leave Insurance (FLI) from employee paychecks. For 2026, NJ SDI is 0.14% of taxable wages up to the annual wage base, and NJ FLI is 0.09% of taxable wages. These amounts are in addition to the NJ income tax shown in this calculator. Your actual NJ paycheck will be reduced by both the income tax estimate and the SDI/FLI payroll deductions.

This calculator uses the IRS Publication 15-T percentage method (annualized wages, post-2020 W-4). Your annual salary is reduced by any pre-tax deductions you enter, then by the federal standard deduction for your filing status. The resulting federal taxable income is run through the 2026 federal income tax brackets to get the annual withholding, which is divided by your pay periods.

Social Security is 6.2% of your gross wages up to the 2026 wage base of $184,500. Medicare is 1.45% of all wages with no cap. High earners (above $200,000 for single filers, $250,000 for married filing jointly) also owe an Additional Medicare surtax of 0.9% on wages above that threshold. These are the employee shares; your employer pays a matching amount separately.

Yes. Traditional 401(k) contributions reduce your federal taxable income (and therefore your federal income tax withholding). They also reduce the tax base in most states, including New Jersey. Roth 401(k) contributions are post-tax and do not reduce current-year tax.

This calculator covers federal income tax, FICA (Social Security + Medicare), and New Jersey state income tax. It does not include: New Jersey does not conform to the federal HSA exclusion: if you contribute to an HSA, this calculator understates your NJ income tax by approximately your HSA contribution amount. NJ SDI (State Disability Insurance) and FLI (Family Leave Insurance) payroll deductions are also excluded from this estimate. New Jersey has no general local income tax at the city/county level. It is an estimate for budgeting purposes — your employer's actual payroll system and your W-4 elections determine your exact withholding.

Your marginal tax rate is the rate that applies to your last dollar of income (the highest bracket you fall into). Your effective tax rate is your total taxes divided by your gross salary — it is always lower than your marginal rate because lower income is taxed at lower bracket rates. The effective rate shown here includes federal income tax, FICA, and state income tax.