NEW JERSEY PAYCHECK CALCULATOR

Our New Jersey Paycheck Calculator 2026 helps employees estimate their take-home pay after all payroll deductions. New Jersey has a progressive state income tax ranging from 1.4% to 10.75% and is one of the highest-taxed states in the U.S. In addition to federal taxes and FICA, New Jersey workers also pay NJ SDI, Family Leave Insurance (FLI), and NJ UI/WF/SWF contributions on every paycheck.

Use this free calculator to instantly estimate your New Jersey net pay based on your gross salary or hourly wage, pay frequency, and filing status. Updated for 2026 federal and New Jersey state tax brackets, wage bases, and current NJ payroll contribution rates.

Want to compare with other states? Use our USA Paycheck Calculator or compare directly: New York, California, Pennsylvania vs New Jersey.

How Paycheck Taxes Work in New Jersey

New Jersey has one of the most complex paycheck deduction structures in the United States. Beyond federal income tax and FICA, New Jersey workers pay four separate state-level payroll deductions. Here is a complete breakdown of what comes out of a New Jersey paycheck in 2026:

• Federal Income Tax – Progressive rates from 10% to 37% based on taxable income and filing status
• Social Security Tax – 6.2% on wages up to $176,100 (2026 wage base)
• Medicare Tax – 1.45% on all wages; an additional 0.9% applies on wages over $200,000
• New Jersey State Income Tax – Progressive rates from 1.4% to 10.75%
• NJ SDI (State Disability Insurance) – 0.26% on wages up to $161,400 (max $419.64/year)
• NJ FLI (Family Leave Insurance) – 0.09% on wages up to $161,400 (max $145.26/year)
• NJ UI / WF / SWF – 0.425% on wages up to $42,300 (max $179.78/year)

New Jersey State Income Tax Brackets 2026

New Jersey uses a progressive income tax system. The 2026 New Jersey state income tax brackets for a Single filer are:

• 1.4% on income up to $20,000
• 1.75% on income from $20,000 to $35,000
• 3.5% on income from $35,000 to $40,000
• 5.525% on income from $40,000 to $75,000
• 6.37% on income from $75,000 to $500,000
• 8.97% on income from $500,000 to $1,000,000
• 10.75% on income over $1,000,000

Married Filing Jointly filers have wider brackets with an additional 2.45% rate tier between $50,000 and $70,000. The New Jersey personal exemption is $1,000 for Single filers, $2,000 for Married Filing Jointly, and $1,500 for Head of Household. New Jersey does not use the same standard deduction system as the federal government.

NJ SDI, FLI, and UI/WF/SWF Explained

New Jersey has three separate employee payroll contribution programs that are unique to the state:

NJ State Disability Insurance (SDI) 2026 — Employees pay 0.26% of gross wages up to the $161,400 wage base, for a maximum of $419.64 per year. SDI provides short-term disability income replacement if you are unable to work due to a non-work illness, injury, or pregnancy.

NJ Family Leave Insurance (FLI) 2026 — Employees pay 0.09% of gross wages up to the $161,400 wage base, for a maximum of $145.26 per year. FLI provides paid leave for bonding with a newborn, newly adopted child, or to care for a seriously ill family member.

NJ UI / WF / SWF (Unemployment Insurance / Workforce Development / Supplemental Workforce Fund) 2026 — Employees pay a combined rate of 0.425% on wages up to $42,300, for a maximum of $179.78 per year. These funds support NJ's unemployment insurance and workforce training programs.

New Jersey 2026 Federal Tax Brackets

In addition to New Jersey state taxes, federal income tax applies to all wages. The 2026 federal tax brackets for a single filer are:

• 10% on income up to $11,925
• 12% on income from $11,925 to $48,475
• 22% on income from $48,475 to $103,350
• 24% on income from $103,350 to $197,300
• 32% on income from $197,300 to $250,525
• 35% on income from $250,525 to $626,350
• 37% on income over $626,350

New Jersey vs Other States – How Much Do You Keep?

New Jersey's combined federal and state tax burden is one of the highest in the country. A Single worker earning $100,000 in New Jersey pays roughly $4,180 in state income tax, plus an additional $630 in SDI, FLI, and UI contributions. By comparison, the same worker in Texas or Florida pays $0 in state income tax. Even compared to neighboring New York, New Jersey's lower state brackets make it slightly more favorable for middle-income earners — though the gap closes quickly at higher income levels.

Compare take-home pay across states:
New York Paycheck Calculator | California Paycheck Calculator | Texas Paycheck Calculator | Florida Paycheck Calculator | Illinois Paycheck Calculator

New Jersey Paycheck Calculator FAQs

What is the New Jersey state income tax rate in 2026?
New Jersey uses a progressive income tax system with rates ranging from 1.4% to 10.75% in 2026. Most middle-income workers pay an effective NJ state rate between 1.4% and 6.37%.

What taxes are deducted from a New Jersey paycheck in 2026?
Federal income tax, Social Security (6.2% up to $176,100), Medicare (1.45%), NJ state income tax (1.4%–10.75%), NJ SDI (0.26% up to $161,400), NJ FLI (0.09% up to $161,400), and NJ UI/WF/SWF (0.425% up to $42,300) are all deducted.

What is NJ SDI and how much is it in 2026?
NJ SDI (State Disability Insurance) is 0.26% of gross wages up to $161,400, with a maximum annual deduction of $419.64. It funds short-term disability benefits for workers who cannot work due to illness, injury, or pregnancy.

What is NJ Family Leave Insurance (FLI) in 2026?
NJ FLI is 0.09% of gross wages up to $161,400, with a maximum annual deduction of $145.26. It provides paid leave for bonding with a new child or caring for a seriously ill family member.

How much will I take home on a $70,000 salary in New Jersey?
On a $70,000 annual salary filing as Single, you would pay approximately $7,014 in federal income tax, $5,355 in FICA taxes, $2,320 in NJ state income tax, $182 in NJ SDI, $63 in NJ FLI, and $180 in NJ UI/WF — resulting in an estimated take-home pay of around $54,886 per year or about $4,574 per month. Use the calculator above for your exact figure.

Is New Jersey a high-tax state?
Yes. New Jersey consistently ranks among the highest-taxed states in the U.S. The combination of a progressive income tax (up to 10.75%), property taxes, and multiple payroll deductions makes New Jersey one of the most expensive states for workers and homeowners alike.

Calculate your New Jersey paycheck again: New Jersey Paycheck Calculator 2026