Paycheck calculators · New Jersey · Tax year 2026
New Jersey Paycheck Calculator: 2026 Take-Home Pay, Estimated
New Jersey withholds income tax using graduated rate tables: Rate A if you file single or married filing separately, Rate B on a joint return or as head of household, after a $1,000 allowance for each exemption on your Form NJ-W4. The full tables, including the 9.9 percent and 11.8 percent brackets at higher wages, are printed below. Enter your pay and this calculator estimates your 2026 take-home pay, federal tax and FICA included, with an optional view of the new 2026 tips and overtime deductions.
Last reviewed: November 4, 2026.
The 2026 New Jersey numbers
| Withholding allowance | $1,000 per exemption per year, subtracted from wages before the rate table applies (NJ-WT, September 2025) |
|---|---|
| Rate A | Applies if you checked Single or Married/Civil Union Partner Separate on Form NJ-W4 |
| Rate B | Applies if you checked Married/Civil Union Couple Joint, Head of Household, or Qualifying Widow(er) and left Line 3 blank |
| Federal withholding | IRS Publication 15-T for 2026, Worksheet 1A percentage method |
| Social Security and Medicare | 6.2 percent up to $184,500 of wages; 1.45 percent on all wages; an extra 0.9 percent Medicare withholding over $200,000 (IRS Topic No. 751; Social Security Administration) |
Rate A, yearly wages after allowances (single, or married filing separately)
| Over | But not over | Tax | Plus rate on the excess |
|---|---|---|---|
| $0 | $20,000 | $0 | 1.5% |
| $20,000 | $35,000 | $300 | 2.0% |
| $35,000 | $40,000 | $600 | 3.9% |
| $40,000 | $75,000 | $795 | 6.1% |
| $75,000 | $500,000 | $2,930 | 7.0% |
| $500,000 | $1,000,000 | $32,680 | 9.9% |
| $1,000,000 | and over | $82,180 | 11.8% |
Rate B, yearly wages after allowances (joint, head of household, qualifying widow(er))
| Over | But not over | Tax | Plus rate on the excess |
|---|---|---|---|
| $0 | $20,000 | $0 | 1.5% |
| $20,000 | $50,000 | $300 | 2.0% |
| $50,000 | $70,000 | $900 | 2.7% |
| $70,000 | $80,000 | $1,440 | 3.9% |
| $80,000 | $150,000 | $1,830 | 6.1% |
| $150,000 | $500,000 | $6,100 | 7.0% |
| $500,000 | $1,000,000 | $30,600 | 9.9% |
| $1,000,000 | and over | $80,100 | 11.8% |
Checked against IRS sources · Reviewed November 4, 2026
The paycheck calculator
How this estimate is calculated
Federal income tax follows Worksheet 1A of IRS Publication 15-T for 2026, the worksheet employer payroll systems use for the automated percentage method. Your pay is annualized, your Form W-4 entries are applied, including the adjustment that applies when the Step 2 box is not checked ($12,900 on a joint return, $8,600 otherwise), and the 2026 percentage method table for your filing status gives the withholding. This calculator assumes a current Form W-4, the version in use since 2020.
Social Security and Medicare (FICA) are withheld at 6.2 percent of wages up to the 2026 wage base of $184,500, and 1.45 percent of all wages for Medicare, with an extra 0.9 percent Medicare withholding on wages over $200,000 in the year, as IRS Topic No. 751 sets out. Tips count as wages for FICA.
New Jersey tax follows the Division of Taxation's NJ-WT instructions (September 2025): the $1,000 allowance value is multiplied by your exemptions and subtracted from wages, and the rate table for your filing status is applied to the rest. Some New Jersey workers can elect a higher rate table (Rate C, D, or E) on Line 3 of Form NJ-W4 using the Division's wage chart; this estimate uses the standard Rate A or Rate B for your status. One more honest limit: New Jersey also withholds small employee contributions toward unemployment, disability, and family leave insurance, set each year by the Department of Labor and Workforce Development. Those contributions vary and are not part of this estimate, so an actual New Jersey paycheck will be slightly smaller than the estimate here.
the saving lands on the return, not the paycheck
Tips and overtime: the 2026 difference
Most paycheck calculators stop at withholding. This one also shows the new 2026 deduction context, because tax year 2026 is the first year tips and the overtime premium carry deductions of their own: tips up to $25,000 per return, and the overtime premium up to $12,500, or $25,000 on a joint return, claimed on the new Schedule 1-A. Both phase out from $150,000 of modified adjusted gross income, or $300,000 on a joint return.
Two cautions belong with that panel. First, the deductions are worked out on your tax return, not in your paycheck: the saving normally arrives at filing time, unless you adjust your Form W-4 so withholding reflects the deductions during the year, which the 2026 Form W-4 allows. Second, for 2026 the IRS states in Fact Sheet FS-2026-13 that the deductions are generally limited to the amounts your employer separately reports on your W-2, in Box 12 with code TP for tips and code TT for the overtime premium. The tips deduction calculator and the overtime deduction calculator work through those rules in full.
no 401(k) assumed here, on purpose
What this estimate does not include
- Pre-tax deductions from your pay, such as 401(k) or 403(b) contributions and health insurance premiums. Those reduce the wages most taxes are figured on, and they depend on elections only you and your employer know, so no honest estimate can assume them.
- Bonuses, commissions, and irregular pay. Payroll annualizes each check as if it repeated all year, so a one-off payment is usually withheld at a higher effective rate than this estimate shows for steady pay.
- Credits and return-level items. Withholding is an advance payment. Your actual tax is settled on your return, where credits, other income, and deductions all enter.
- Any local tax other than the one you select or enter on this page.
PlainStub also runs paycheck calculators for Pennsylvania, Washington, Illinois, New Jersey, Ohio, Michigan, South Carolina, and Virginia, each built on that state's own published 2026 figures.
Comparing a salary with hourly work?
If you are weighing a salaried offer against hourly work, or the other way round, the New Jersey salary to hourly calculator converts either figure into the other at your hours per week, and estimates the take-home pay on the converted pay using the same figures as this page.
Sources
- New Jersey Division of Taxation: NJ-WT, Income Tax Withholding Instructions, September 2025 edition. Which rate table applies to each filing status, and the withholding allowance value of $1,000 per exemption per year. Checked November 4, 2026.
- New Jersey Division of Taxation: Form NJ-W4, Employee's Withholding Allowance Certificate. The annual Rate A and Rate B tables printed on this page, transcribed from the form. Checked November 4, 2026.
- IRS, Publication 15-T, Federal Income Tax Withholding Methods, 2026 edition. Worksheet 1A and the 2026 percentage method tables. Checked November 4, 2026.
- IRS, Topic No. 751, Social Security and Medicare Withholding Rates; Social Security Administration, Contribution and Benefit Base for 2026 ($184,500). Checked November 4, 2026.
Last reviewed: November 4, 2026.