New Jersey Paycheck Calculator 2026 – Estimate Your Take-Home Pay
Use our free New Jersey Paycheck Calculator to estimate your net pay for the 2026 tax year. This tool acts as a NJ paycheck calculator by computing Federal withholding, FICA taxes, mandatory NJ payroll taxes (SDI, FLI, UI), and New Jersey income tax (ranging from 1.4% to 10.75%). With its complex deduction structure, calculating your New Jersey take-home pay accurately requires accounting for all these variables.
- State Tax Rate: 1.4% – 10.75% (Progressive)
- Payroll Deductions: ~1.02% (SDI, FLI, UI, Workforce)
- Federal Tax: 10% – 37% (Based on brackets)
- FICA Tax: 7.65% (Federal)
How the New Jersey Paycheck Calculator Works
Our New Jersey net pay calculator uses the latest 2026 tax formulas. We start with your gross earnings and subtract:
- Federal Withholding: Based on your W-4 filing status.
- FICA Taxes: Mandatory contributions for Social Security (6.2%) and Medicare (1.45%).
- NJ Payroll Taxes: Mandatory employee contributions for State Disability Insurance (SDI), Family Leave Insurance (FLI), Unemployment Insurance (UI), and Workforce Development.
- New Jersey State Tax: Calculated using the specific 7-tier bracket system applicable to your taxable income.
New Jersey Income Tax Brackets (2026)
New Jersey has a highly progressive income tax system with seven brackets. This makes the New Jersey income tax calculator logic detailed.
Single Filer Brackets
| Taxable Income Range | Tax Rate |
|---|---|
| $0 – $20,000 | 1.400% |
| $20,001 – $35,000 | 1.750% |
| $35,001 – $40,000 | 3.500% |
| $40,001 – $75,000 | 5.525% |
| $75,001 – $500,000 | 6.370% |
| $500,001 – $1,000,000 | 8.970% |
| Over $1,000,000 | 10.750% |
Note: Married Filing Jointly brackets are wider in the lower tiers.
Federal Taxes That Apply to Your Paycheck
Federal Income Tax
The IRS imposes a progressive tax ranging from 10% to 37%. Your specific rate depends on your filing status and total taxable income.
Social Security & Medicare (FICA)
Every New Jersey paystub calculator must account for FICA. This deducts 6.2% of your gross pay for Social Security (up to the wage limit) and 1.45% for Medicare (on all earnings).
New Jersey Paycheck After Taxes for $75,000 Salary
If you are a single filer in Newark or Jersey City earning $75,000 per year, your breakdown looks like this:
| Tax Description | Amount |
|---|---|
| Federal Tax (Est.) | $8,900 |
| FICA (7.65%) | $5,737 |
| NJ Payroll Taxes (~1.02%) | $765 |
| State Tax (Est.) | $2,750 |
| Estimated Take-Home Pay | $56,848 |
Minimum Wage & Cost of Living
New Jersey has a high minimum wage, exceeding $15 per hour in 2026. However, the cost of living is high, particularly regarding property taxes and housing costs in the NYC and Philadelphia metro areas.
How to Increase Your Take-Home Pay
To maximize your New Jersey salary calculator results, ensure your W-4 form is accurate. Contributing to pre-tax retirement accounts (401k/403b) reduces your taxable income, potentially dropping you into a lower 5.525% or 3.5% tax bracket.
FAQs – New Jersey Paycheck Calculator
What is the NJ income tax rate for 2026?
New Jersey tax rates range from 1.4% to 10.75%. The lowest rate applies to income under $20,000.
What are NJ SDI and FLI taxes?
These are mandatory payroll deductions for State Disability Insurance and Family Leave Insurance. Combined with UI and Workforce development, they total roughly 1.02% - 1.15% of wages.
Does New Jersey have local city taxes?
No. New Jersey does not impose local city income taxes on wages, unlike neighboring New York City or Philadelphia.