PaycheckState

New Jersey Paycheck Calculator

Updated for the 2026 tax year · 2026 NJDOL worker rates: TDI 0.19%, FLI 0.23%; wage bases $44,800 and $171,100.

Quick answer

How much is take-home pay on $60,000 in New Jersey?

A single filer earning $60,000 in New Jersey takes home about $1,845.90 per biweekly paycheck in 2026, or $47,993.52 a year. That is an effective tax rate of 20.0% across federal, FICA, and state withholdings.

SalaryTake-home (year)Effective rate
$40,000$33,225.9816.9%
$60,000$47,993.5220.0%
$80,000$61,373.5423.3%
$100,000$73,959.5626.0%

Single filer, paid biweekly, standard W-4, no pre-tax deductions.

New Jersey withholds state income tax from rate tables that run 1.5% to 11.8% of annualized wages after $1,000 per NJ-W4 exemption, unchanged for 2026. Four payroll contributions also come out: unemployment insurance, workforce development, temporary disability, and family leave, together 0.845% of wages up to $44,800 and 0.42% from there to $171,100. Figures follow IRS Publication 15-T, the NJ-WT withholding instructions, and the 2026 Department of Labor worker rates.

How New Jersey paycheck taxes work

Seven tax lines come out of a New Jersey paycheck: federal income tax, Social Security (6.2% up to $184,500), Medicare (1.45%), New Jersey income tax, and four state insurance contributions: unemployment insurance, workforce development, temporary disability insurance, and family leave insurance. Each of the four has its own rate and annual wage cap, and each shows as a separate line in this calculator. Anything else on your stub is your own election: 401(k), health premiums, and similar benefits.

The NJ-WT method annualizes pay, subtracts $1,000 for each NJ-W4 exemption, then applies Rate Table A (single or married filing separately) or Rate Table B (married filing jointly, head of household, surviving spouse). Table A runs 1.5% to $20,000, 2% to $35,000, 3.9% to $40,000, 6.1% to $75,000, 7% to $500,000, 9.9% to $1,000,000, then 11.8%. Table B has 2% to $50,000 and 2.7% to $70,000 before 3.9%, then 6.1% from $80,000 and 7% from $150,000. The tables sit above the 1.4% to 10.75% return brackets by design.

The four 2026 contributions, all employee-paid: unemployment insurance 0.3825% and workforce development 0.0425% on wages up to $44,800, capped at $171.36 and $19.04 a year; temporary disability insurance 0.19% and family leave insurance 0.23% on wages up to $171,100, capped at $325.09 and $393.53. The four together cannot exceed $909.02 in a year. Two of the four fell for 2026: TDI from 0.23% to 0.19% and FLI from 0.33% to 0.23%, while the wage bases rose from $43,300 and $165,400.

New Jersey excludes 401(k) deferrals but taxes 403(b), 457, and IRA contributions, and excludes cafeteria-plan amounts only for core medical, life, and disability coverage; this calculator follows the federal treatment, so 403(b) savers will see a slightly low state line. New Jersey publishes no flat bonus rate: a separately paid bonus runs through the rate table with zero allowances, so this site's bonus calculator shows no New Jersey line and points you here. Reciprocity covers Pennsylvania only; Pennsylvania residents file NJ-165 to stop New Jersey withholding.

New Jersey tax rates (2026)

New Jersey withholding on annualized wages after the adjustments below.

Personal exemption$1,000 each
NJ unemployment insurance0.3825% up to $44,800
NJ workforce development0.0425% up to $44,800
NJ temporary disability0.19% up to $171,100
NJ family leave insurance0.23% up to $171,100
Taxable wagesWithholding
$0 – $20,0001.50%
$20,000 – $35,000$300.00 + 2.00% of excess over $20,000
$35,000 – $40,000$600.00 + 3.90% of excess over $35,000
$40,000 – $75,000$795.00 + 6.10% of excess over $40,000
$75,000 – $500,000$2,930.00 + 7.00% of excess over $75,000
$500,000 – $1,000,000$32,680.00 + 9.90% of excess over $500,000
Over $1,000,000$82,180.00 + 11.80% of excess over $1,000,000

Example: $60,000 in New Jersey

Single filer, paid biweekly, standard W-4, no pre-tax deductions.

Per paycheckPer year
Gross pay$2,307.69$60,000.00
Federal income tax$193.08$5,020.08
Social Security$143.08$3,720.00
Medicare$33.46$870.00
New Jersey income tax$75.15$1,954.00
NJ unemployment insurance$6.59$171.36
NJ workforce development$0.73$19.04
NJ temporary disability$4.38$114.00
NJ family leave insurance$5.31$138.00
Take-home pay$1,845.90$47,993.52

New Jersey paycheck FAQ

How much is taken out of a paycheck in New Jersey?

Federal income tax, Social Security at 6.2%, Medicare at 1.45%, New Jersey income tax from rate tables of 1.5% to 11.8% after $1,000 per exemption, and four insurance contributions: 0.3825% and 0.0425% on wages up to $44,800, plus 0.19% and 0.23% on wages up to $171,100. The quick answer above shows the result for a single filer on $60,000 paid biweekly, and the calculator recomputes it for your pay, filing status, and exemptions.

What are the New Jersey income tax rates for 2026?

On your return, 1.4% to 10.75%. Paycheck withholding uses separate NJ-WT rate tables that run from 1.5% to 11.8% by design, so withholding tends to land slightly ahead of the final tax and the difference comes back at filing. The tables have been unchanged since October 1, 2020, and the $1,000 per-exemption allowance is unchanged for 2026 as well. Rate Table A applies to single filers and Table B to married filing jointly and head of household.

What are the four small deductions on my New Jersey paycheck?

Unemployment insurance (0.3825%) and workforce development (0.0425%) on the first $44,800 of wages, then temporary disability insurance (0.19%) and family leave insurance (0.23%) on the first $171,100. All four are employee contributions set by the Department of Labor for 2026, and they stop for the year once you pass each wage base: the maximums are $171.36, $19.04, $325.09, and $393.53. This calculator shows each as its own line under state deductions.

Did New Jersey payroll deductions change for 2026?

Yes, two rates went down and both wage bases went up. The temporary disability worker rate fell from 0.23% to 0.19% and family leave insurance from 0.33% to 0.23%. The unemployment and workforce wage base rose from $43,300 to $44,800, and the disability and family leave wage base from $165,400 to $171,100. Calculators still using 0.23% and 0.33% overstate the deductions. Income tax tables and the $1,000 allowance did not change.

Why does my NJ-W4 ask for a rate table letter from A to E?

Line 3 of the NJ-W4 lets you pick a withholding table. A is the default for single filers and married filing separately; B covers married filing jointly, head of household, and surviving spouses. Tables C, D, and E are optional elections for two-earner households or people with more than one job, chosen from the wage chart on the form so combined income is withheld closer to the final tax. This calculator uses A or B by filing status.

I live in Pennsylvania and work in New Jersey. Which state withholds?

Pennsylvania, once you file Form NJ-165 with your employer. New Jersey's only reciprocity agreement is with Pennsylvania: Pennsylvania residents owe no New Jersey income tax on their New Jersey wages, and the employer withholds Pennsylvania tax instead. The agreement works the same way for New Jersey residents employed in Pennsylvania. Residents of every other state have New Jersey tax withheld on wages earned in New Jersey.

Sources

Rates verified against these documents on September 14, 2026.

  1. New Jersey Division of Taxation, NJ-WT Income Tax Withholding Instructions (Sept 2025 edition, tables effective Oct 1, 2020)
  2. New Jersey Division of Taxation, withholding rate tables A-E
  3. New Jersey Department of Labor, 2026 employer and worker contribution rates and wage bases

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