2026 New Jersey paycheck calculator
New Jersey's withholding tables date from October 2020, and three separate payroll deductions come out of pay.
Updated for 2026Checked Oct 29, 2026 against IRS and New Jersey Division of Taxation sourcesHow we check
Your take-home pay
$1,248.91
per paycheck, paid every two weeks
- Gross pay
- $1,500.00
- Federal income tax
- $96.15
- Social Security
- $93.00
- Medicare
- $21.75
- County tax
- Choose your county
- New Jersey disability
- $2.85
- New Jersey family leave
- $3.45
- New Jersey unemployment
- $6.38
- Take-home
- $1,248.91
New Jersey disability stops once your 2026 pay passes $171,100. New Jersey family leave stops once your 2026 pay passes $171,100. New Jersey unemployment stops once your 2026 pay passes $44,800.
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Take-home pay $1,248.91
New Jersey pay rules at a glance
| State income tax | Rates rise with pay Source |
| County or local tax | None Source |
| Disability or paid leave | New Jersey Temporary Disability Insurance: 0.19% of pay, on the first $171,100 of pay in a calendar year; New Jersey Family Leave Insurance: 0.23% of pay, on the first $171,100 of pay in a calendar year Source |
| Minimum wage | $15.92 an hour. From Jan 1, 2027: $16.48 an hour Source |
| Tipped minimum cash wage | $6.05 an hour, before tips Source |
| Final paycheck if you are let go | By the next regular payday for the pay period in which the job ended. Source |
| Final paycheck if you quit | By the next regular payday for the pay period in which the job ended. Source |
What comes out of a New Jersey paycheck
On $1,500 every two weeks, single, a New Jersey worker keeps $1,248.91.
New Jersey taxes income at graduated rates from 1.4 to 10.75 percent, but employers withhold using percentage tables that run from 1.5 to 11.8 percent. Those tables are dated October 1, 2020, and the state's September 2025 employer guide still points to them. We found no newer table, so the calculator uses these.
Your status on Form NJ-W4 picks the table. Single workers use Rate A, and married or head of household workers use Rate B. Each allowance subtracts $1,000 a year, or $19.20 a week, before the table applies, and you claim one for yourself, one for a spouse, and one for each dependent. Dependents therefore change the amount taxed but not the table.
Three of the guide's six weekly examples print older bracket figures than the tables, and results differ by one to two cents. The calculator follows the tables. A worker contribution to unemployment and workforce funds is a separate deduction, covered next.
County and local taxes
No New Jersey city or county taxes wages through the paycheck. State law lets a municipality charge employers a payroll tax of up to 1 percent of payroll, but the ordinance must forbid employers from deducting it from employees' pay. The tax exists on the employer's side only, so it never reduces your check.
Which cities charge it is not listed here, because it never touches a paycheck, and nothing local needs adding to your result.
On the worker side, New Jersey also takes a 0.425 percent contribution for unemployment and workforce funds on the first $44,800 of wages. That deduction is separate from disability and family leave, and the calculator shows it as its own line.
Disability and paid leave
New Jersey takes 0.19 percent for Temporary Disability Insurance and 0.23 percent for Family Leave Insurance in 2026, both on the first $171,100 of wages. These are the worker's shares. The 2027 wage base for both is $177,100. Temporary disability pays part of your wages when illness or injury keeps you off the job, and family leave pays while you bond with a new child or care for a seriously ill relative.
Final pay and the minimum wage
The New Jersey minimum is $15.92 an hour this year, then $16.48 from January 1, 2027. The tipped cash wage is $6.05 an hour for 2026. One state labor page describes a $6.61 cash wage as effective January 1, 2026, while the press release and the tipped workers page put $6.61 in 2027, so check your posted notice if your rate looks different.
Whether the job ends by firing or resignation, the deadline is the regular payday for the pay period in which it ended.
Nearby states
Sources and checks
Checked on Oct 29, 2026. Source: New Jersey Division of Taxation, "New Jersey Tax Rate Schedules" (www.nj.gov/treasury/taxation/pdf/current/njtaxratesch.pdf, fetched Oct 29, 2026; the file at this "current" address is headed 2020, see openQuestions), and "Tables for Percentage Method of Withholding" effective October 1, 2020 (www.nj.gov/treasury/taxation/pdf/withholdingtables.pdf, fetched and read Oct 29, 2026).
Local taxes: No New Jersey city or county taxes wages through the paycheck. State law lets a municipality charge employers a payroll tax of up to 1 percent of payroll, but the ordinance must forbid employers from deducting it from employees' pay: N.J.S.A. 40:48C-15 and 40:48C-16(e) (Legislature statutes text, pub.njleg.gov/statutes/STATUTES-TEXT.zip, fetched and read Oct 29, 2026). Which cities levy the tax is not needed for the paycheck and is not sourced here.
Disability and paid leave: NJ Department of Labor and Workforce Development, "Employer Rate Information" (www.nj.gov/labor/ea/employer-services/rate-info/, fetched and read Oct 29, 2026): 2026 worker rates U.I. 0.003825, D.I. 0.0019, W.F./S.W.F. 0.000425, F.L.I. 0.0023; 2026 taxable wage base $44,800 (UI and WF/SWF) and $171,100 (TDI and FLI, workers only).
Minimum wage: NJ Department of Labor and Workforce Development press release, "New Jersey's Minimum Wage to Increase to $15.92/Hour for Most Employees on Jan. 1" (Oct 1, 2025, www.nj.gov/labor/lwdhome/press/2025/20251001_Minimum_Wage.shtml): $15.92 for most employees from January 1, 2026; $15.23 for seasonal and small employers; tipped workers' minimum cash wage $6.05, maximum tip credit $9.87. NJDOL "Wage and Hour Compliance FAQs (for Employers)" (www.nj.gov/labor/wageandhour/support/faqs/wageandhouremployerfaqs.shtml): "Effective January 1, 2027, New Jersey's minimum wage is $16.48/hour for most workers"; NJDOL "Tipped Workers" page: from January 1, 2027 the tipped cash wage is $6.61. All fetched Oct 29, 2026.
Final paycheck: N.J.S.A. 34:11-4.3 (Legislature statutes text, pub.njleg.gov/statutes/STATUTES-TEXT.zip, fetched and read Oct 29, 2026): whether the employee is discharged, laid off, or quits, wages are due "not later than the regular payday for the pay period during which the employee's termination, suspension or cessation of employment ... took place."
Federal withholding: IRS Publication 15-T (2026), Worksheet 1A and its "2026 Percentage Method Tables for Automated Payroll Systems and Withholding on Periodic Payments of Pensions and Annuities," pages 10 to 12. Fetched directly from irs.gov/pub/irs-pdf/p15t.pdf and transcribed Oct 28, 2026.
Every figure above comes from the sources listed here. How we check our numbers.
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