New Jersey Paycheck Calculator
Estimate your New Jersey take-home pay after federal withholding and FICA. Nothing leaves your browser.
Showing a $60,000/year, single-filer example for New Jersey: $47,932.60 take-home pay after taxes. Enter your own numbers above for your result.
| Gross pay | $60,000.00 |
| Federal income tax | -$5,020.00 |
| Social Security (6.2%) | -$3,720.00 |
| Medicare (1.45%) | -$870.00 |
| New Jersey state income tax | -$2,015.00 |
| NJ Unemployment/Workforce Development (employee share) + NJ Disability/Family Leave Insurance (employee share) | -$442.40 |
| Net take-home pay | $47,932.60 |
Estimate only, not tax advice — see the full disclaimer. Tax data last verified: 2026-08-08.
How New Jersey paycheck taxes work
New Jersey runs one of the more genuinely progressive state tax systems, with rates from 1.5% up to 11.8% and no standard deduction: tax starts on the very first dollar of wages. Which bracket schedule applies actually depends on your filing status in a specific way: single filers and married-filing-separately use one rate table, while married-filing-jointly and head-of-household filers use a second, more generous one that reaches each higher rate at a higher income level, since New Jersey's own withholding form pairs those groups together. On top of state income tax, New Jersey withholds for two more programs most states don't have: a small Unemployment Insurance and Workforce Development contribution (0.425% combined, capped at $190.40 a year), and a separate Temporary Disability and Family Leave Insurance contribution (0.42% combined, capped at $718.62 a year); the two have different wage caps, so they're tracked and capped independently rather than as one combined percentage. New Jersey doesn't have any city or county income tax.
Federal income tax is calculated using the 2026 IRS tax brackets after subtracting your standard deduction, based on your filing status. FICA is a flat 6.2% Social Security tax (up to the annual wage base) plus 1.45% Medicare tax, with an additional 0.9% Medicare tax on income above $200,000 (single) or $250,000 (married filing jointly).
Tax data last verified: 2026-08-08.
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Frequently asked questions
Does New Jersey have a state income tax?
Yes. New Jersey taxes wage income at 7 brackets ranging from 1.5% to 11.8%. See the state-specific section above for exactly how that applies to your filing status.
How is federal income tax calculated on a New Jersey paycheck?
Federal tax is calculated on taxable income (gross pay minus your standard deduction) using the 2026 IRS marginal tax brackets, which apply the same way in every state, including New Jersey. See "How Paycheck Withholding Works" for the full breakdown.
What is FICA and how much is withheld?
FICA is 6.2% Social Security (up to the annual wage base) plus 1.45% Medicare, with an additional 0.9% Medicare tax above $200,000 (single) or $250,000 (married filing jointly). It applies the same way in every state, including New Jersey.
Is this calculator exact?
No, it's an estimate based on standard 2026 tax tables and common assumptions. It doesn't account for every possible deduction, credit, filing situation, or local tax. For New Jersey specifically, it tracks both of the state's payroll taxes, Unemployment/Workforce Development and Disability/Family Leave Insurance, against their own separate wage caps rather than treating them as one combined rate. See the disclaimer above the breakdown for details.