PPaycheck Calculator Pro
NEW JERSEY PAYCHECK

New Jersey paycheck calculator

Calculate 2026 New Jersey paychecks with NJ-W4 rate tables, retirement treatment, disability and family-leave cautions, and worked examples.

Your pay details

Change any field to update the gross estimate.

01 / INPUT

Regular resident wages, 2020+ federal W-4, latest supported 2026 state tables. Not for historical paychecks, bonuses, nonresident allocation, or multistate payroll.

Pay amount
Tax context
Deductions

Enter deductions for one pay period. Other pre-tax reduces income-tax wages but not FICA; use only qualifying deductions. Dollar elections below specify annual or per-paycheck amounts separately.

Federal W-4 elections

Planning inputs only. This does not submit an electronic W-4; your employer uses the form you file with them. Leave blank anything you did not enter on your W-4.

Annual dollars
Annual dollars
Annual dollars
Dollars per paycheck
Year-to-date taxable wages

Taxable wages earned before this paycheck from the same employer—not tax already withheld. Blank means 0.

Wages before this paycheck
Wages before this paycheck
New Jersey state withholding
Enter the count on your state certificate. Blank means zero.
Blank: A single/separate; B joint/HOH. Select the letter from your NJ-W4 wage chart.
Dollars per paycheck
Optional. State income-tax wages for this paycheck; blank uses the calculated amount.

New Jersey uses employer rate tables A–E and $1,000 per NJ-W4 allowance. Single/separate defaults to A; other statuses default to B. Qualifying traditional 401(k) deferrals are excluded from NJ wages (NJ GIT-1). Other retirement plan types can be taxable; use the state wage override for your actual taxable amount. Local/other payroll charges are entered separately.Effective current 2026 payroll tables (not historical paychecks)Official employer withholding source

Local and other payroll

Known actual dollar amounts per paycheck, not rates. Blank means 0.

Dollars per paycheck
Dollars per paycheck

New Jersey uses employer rate tables A–E and $1,000 per NJ-W4 allowance. Single/separate defaults to A; other statuses default to B. Effective current 2026 payroll tables (not historical paychecks).

ESTIMATED TAKE-HOME PAY
Complete the inputs
Enter pay, state, and filing status to calculate.
Paycheck breakdownBIWEEKLY
Gross pay · every 2 weeks gross$0.00
Federal income tax · estimate—
State income tax · estimate—
Social Security · estimate—
Medicare, including any additional tax—
Pre-tax deductions—
Post-tax deductions—
Local tax · entered amount—
Other payroll · entered amount—
Estimated net pay—
Choose your tax contextSelect a U.S. state and filing status. Tax lines stay blank until these are selected.
Withholding estimates use current employer tables and the elections entered. Annual totals repeat this paycheck—not future wage-cap changes. Local taxes, disability, and paid leave require actual entered amounts. Historical or special payroll methods are not supported.
Paycheck & Tax Guides

Understand the numbers behind your paycheck.

Practical 2026 explanations with IRS and state sources. Learn what an estimate can—and cannot—tell you.

How to calculate take-home payA good estimate starts with the right earnings period and separates taxes from benefits. Use your pay stub to make each input meaningful.Federal tax withholding explained: your 2026 W-4Your employer is collecting a payment toward your annual income tax. The W-4 tells payroll how to estimate that payment; it does not determine your final return by itself.State paycheck guides: choose the right rules, not just a rateThe right state selection is only the beginning. Withholding certificates, wage definitions, local charges, and where you work can all change your deposit.
Browse all paycheck & tax guides
New Jersey payroll guide

New Jersey paycheck guide

New Jersey payroll combines income-tax withholding with employee insurance and other contributions. The income-tax amount also depends on the NJ-W4 rate-table election, so a single annual bracket percentage cannot explain the full deduction from gross pay.

NJ-W4 selects an employer table, not just a filing label

New Jersey publishes employer withholding tables A through E. This calculator defaults single and married-separate federal selections to Table A and other statuses to Table B, unless you choose another supported state table. NJ-W4 allowances represent $1,000 annually per allowance in the employer calculation.

Use the NJ-W4 actually filed, particularly when household wages come from more than one job. Selecting married filing jointly federally does not prove that payroll is using the same state rate table. Table choice, allowances, and extra state dollars are distinct elections that should be checked separately.

Sources

401(k) treatment and insurance contributions

New Jersey excludes qualifying employee 401(k) contributions from taxable wages, but other retirement arrangements can receive different treatment. The traditional retirement field models qualifying 401(k) deferrals; it should not be used as a universal exclusion for all employer retirement plans. Override state wages only when the actual taxable base is known.

Temporary Disability Insurance and Family Leave Insurance contributions are separate from income-tax withholding. New Jersey’s 2026 family-leave employee contribution is 0.23% of covered wages up to the $171,100 annual wage cap. Disability and other payroll programs have their own rules; the examples omit those deductions and require actual amounts to reproduce a deposit.

Sources

New Jersey overtime and separate wage bases

For covered nonexempt workers, the federal FLSA generally requires at least time-and-a-half after 40 worked hours in one week. A $31 regular rate and five qualifying overtime hours adds $232.50 in overtime earnings. Verify whether differentials or other compensation belong in the regular rate before using a simple multiplier.

A bigger regular check can change the New Jersey table result and separate insurance deductions. A federal qualified-overtime deduction does not establish that all overtime is excluded from New Jersey wages. Do not use a federal pre-tax adjustment as a substitute for the state wage rules.

New Jersey worked examples

Both examples are hypothetical and calculated with this site's withholding engine for a single filer.

Hourly wages using Table A

Hypothetical example, not a real paycheck

Pay frequency
Biweekly (26 periods per year)
Gross calculation
$31.00 per hour × 80 hours = $2,480.00
Filer
Single, 2020+ W-4, Step 2 off, Steps 3 and 4 zero, year-to-date wages zero
State elections
Zero or default
Per-paycheck breakdown for Hourly wages using Table A
LinePer paycheck
Gross pay$2,480.00
Federal income tax withheld$213.75
NJ state income tax withheld$88.01
Social Security$153.76
Medicare$35.96
Retirement contribution$0.00
Health deduction$0.00
Partial net pay under these assumptions$1,988.52

Excluded: local tax ($0.00) and other payroll deductions ($0.00) are assumed zero unless shown above. No benefits are included unless listed. This is a partial net under assumptions, not an actual deposit.

Gross is $2,480. Single status, default Table A, and zero NJ-W4 allowances are used. State disability, family leave, and other employee contributions are excluded.

Salary with a qualifying 401(k)

Hypothetical example, not a real paycheck

Pay frequency
Biweekly (26 periods per year)
Gross calculation
$98,800.00 annual salary ÷ 26 pay periods = $3,800.00
Filer
Single, 2020+ W-4, Step 2 off, Steps 3 and 4 zero, year-to-date wages zero
State elections
Zero or default
Per-paycheck breakdown for Salary with a qualifying 401(k)
LinePer paycheck
Gross pay$3,800.00
Federal income tax withheld$454.58
NJ state income tax withheld$163.47
Social Security$235.60
Medicare$55.10
Retirement contribution$190.00
Health deduction$0.00
Partial net pay under these assumptions$2,701.25

Excluded: local tax ($0.00) and other payroll deductions ($0.00) are assumed zero unless shown above. No benefits are included unless listed. This is a partial net under assumptions, not an actual deposit.

Gross is $3,800 with a $190 qualifying traditional 401(k) contribution. This state wage exclusion does not apply automatically to every retirement plan; insurance contributions are still excluded.

Frequently asked questions

Why is my NJ-W4 rate-table choice important?

New Jersey has several employer tables. A payroll Table C, D, or E election can differ from this page’s default A/B choice. Match the state election, not just the federal filing status.

Does every pre-tax retirement contribution reduce New Jersey wages?

No. Qualifying 401(k) deferrals receive the treatment described in GIT-1; other plan types can differ. Use the employer-confirmed state wage base when needed.

Does the state income-tax line include TDI or FLI?

No. Those are separate payroll contributions. Enter the actual current-check amounts in Other payroll and account for applicable coverage and year-to-date caps.

Sources and review

Official New Jersey sources

Federal sources

Population ranking

New Jersey is ranked number 11 by population, with 9,548,215 residents, using the source below. State pages are selected by population rank.

Reviewed:

HOW WE ESTIMATE

Understand the calculation.

Default mode follows IRS Publication 15-T Worksheet 1A for a 2020-or-later W-4 and each supported state’s current employer formula. W-4 credits and annual adjustments affect federal withholding; state elections follow the state certificate independently.

Social Security withholds 6.2% on this check’s remaining wages under the $184,500 employer wage cap. Medicare withholds 1.45%, plus 0.9% on wages crossing the employer’s $200,000 threshold, regardless of filing status. Enter taxable wages before this paycheck in the YTD controls. Traditional retirement deferrals remain subject to FICA; qualifying cafeteria-plan health premiums are assumed FICA-exempt.

Annual projections repeat this check. The separate annual tax estimate mode retains a limited legacy liability model and uses filing-status Medicare liability thresholds; it does not represent paycheck withholding. Overtime is not automatically exempt from withholding or FICA. Use W-4 Step 4(b) for an elected overtime-related withholding deduction.

TAX YEAR 2026

Sources & assumptions

Regular resident wage withholding only. Not for 2019-or-earlier W-4 forms, historical pay dates, supplemental/bonus methods, multistate allocation, reciprocity, pensions, or special employer methods. State wage overrides and entered local/other payroll dollars are used as supplied, not independently verified. Each state section identifies its table and effective period. DC withholding is not verified and is unavailable rather than silently using annual brackets. Legacy annual mode omits many state adjustments and later amendments. This is a planning estimate, not tax advice or a guarantee of your employer’s exact result.