State paycheck calculator
New Jersey Paycheck Calculator (2026)
Last reviewed: April 20, 2026
New Jersey applies a progressive state income tax with rates from 1.4% on the lowest slice up to a top marginal rate of 10.75% on income above $1 million. The top rate is one of the highest in the country at that income level. New Jersey is also unusual for the number of employee-funded state insurance programs the payroll system supports: State Unemployment Insurance (SUI), Temporary Disability Insurance (TDI), and Family Leave Insurance (FLI) each appear as a small line item, all capped on annual wages. The state has no broad local income tax on wages. Newark imposes a small employer-paid payroll tax, but that obligation falls on employers operating within the city and does not appear on the employee's pay stub. This calculator estimates 2026 New Jersey take-home pay after federal tax, FICA, state tax, and modeled employee insurance contributions. It supports pre-tax 401(k) and HSA deductions.
vs. baseline ($85,000 single filer)
A $85,000 salary in New Jersey takes home approximately $3,700 less than the same salary in a no-income-tax state like Texas or Florida.
Data pending verification
New Jersey TDI employee contribution rate has been 0% in recent years; the calculator does not model a zero-amount line item. If New Jersey publishes a non-zero 2026 employee SDI rate, it will be added.
New Jersey state tax breakdown
Single-filer state income tax brackets used by the calculator for 2026.
| Taxable Income | Rate |
|---|---|
| $0 - $20,000 | 1.40% |
| $20,000 - $35,000 | 1.75% |
| $35,000 - $40,000 | 3.50% |
| $40,000 - $75,000 | 5.53% |
| $75,000 - $500,000 | 6.37% |
| $500,000 - $1,000,000 | 8.97% |
| $1,000,000+ | 10.75% |
Cities in New Jersey
Local jurisdictions with employee payroll tax. Linked entries have a dedicated city page; others can be selected in the calculator below.
- Newark, NJ (1%)
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New Jersey paycheck FAQ
What are the New Jersey SUI, TDI, and FLI payroll deductions?
When does the 10.75% New Jersey top rate kick in?
Does Newark tax wages?
How does New Jersey compare to neighboring New York or Pennsylvania?
Are the New Jersey employee insurance contributions deductible against state tax?
Take-home at common salaries for New Jersey
Dedicated salary-anchor pages with a federal-state-FICA breakdown, vs-baseline callouts, and a calculator pre-set to that salary and New Jersey.
See also
Reviewed
How This Page Is Reviewed
The New Jersey paycheck page is reviewed against primary federal and state sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.
Reviewed by
PaycheckCalc Research Desk
Last reviewed
2026-04-20