New Jersey Paycheck Calculator (2026)
Work out a New Jersey paycheck: federal income tax withholding (IRS Pub 15-T, 2026), Social Security and Medicare, New Jersey withholding, state payroll deductions and local taxes. The math runs in your browser; nothing is uploaded.
What this page covers
- State income tax is worked out with the New Jersey 2026 method: Percentage method (NJ Division of Taxation withholding rate tables, rate A–E).
- State payroll deductions included: NJ unemployment + workforce funds (UI/WF); NJ disability (TDI); NJ Family Leave Insurance. You can switch off any your employer does not take.
- If your city or county has its own wage tax, enter its rate in the "Other local tax" box.
- New Jersey excludes 401(k) and section 125 health plans from state taxable pay, but taxes 403(b), 457 and HSA contributions.
How to use it
- Open the calculator from this page; New Jersey is chosen for you and the tax section opens.
- Coming back later? Tick Also estimate my take-home pay, then open Work it out from my pay details.
- Enter gross pay per check, your W-4 and state form choices, and any pre-tax deductions.
Open the calculator for New Jersey
Source
Rates and formulas come from the official 2026 publication: New Jersey withholding source, plus IRS Pub 15-T. If your employer uses a different but allowed method (for example wage-bracket tables), amounts can differ by a few cents.
Frequently asked questions
Does New Jersey have state income tax on paychecks?
Yes. New Jersey employers withhold state income tax. PayGuess uses the New Jersey 2026 withholding method to estimate it.
How accurate is the New Jersey estimate?
It follows the official 2026 formula for the choices you enter and was checked against the worked examples and wage-bracket tables in the official booklets where they exist. Real paychecks can differ if your employer uses another allowed method, or if you have deductions you did not enter.
Which local taxes are included?
PayGuess has no built-in local taxes for this state. If your city or county has one, enter its rate in the Other local tax box.
Is this my final tax bill?
No. It estimates withholding from one paycheck. Your actual tax is settled when you file your return.
Estimates of what an employer would withhold under the published 2026 rules. Not tax advice, and not your final tax bill. Your pay stub is the record.