New Jersey Paycheck Calculator
Estimate your take-home pay in New Jersey after federal income tax, Social Security and Medicare, plus state tax. Set to a $75,000 salary by default; change any field.
New Jersey Wage Taxes at a Glance
Income tax in New Jersey rises through 7 brackets, starting at 1.4% and reaching 10.75%. The top rate applies to taxable income above roughly $1,000,000 for a single filer. The estimated single-filer deduction is $1,000.
State withholding changes go through Form NJ-W4, which you give to your employer.
New Jersey employees pay 0.23% toward state disability and family leave insurance on the first $171,100 of wages, plus a small unemployment contribution not modelled here, and New Jersey does not exclude 401(k) deferrals from state taxable wages.
What a Minimum-Wage Paycheck Looks Like in New Jersey
Minimum wage in New Jersey: $15.92 an hour, per the Labor Department summary current on July 1, 2026. A single filer on a 40-hour schedule at that rate brings in $636.80 weekly gross and keeps around $542.67, or $28,219 over twelve months, with no deductions. State income tax and programs take about $568 a year from that pay.
Against the $58,570 median wage in New Jersey, a full-time minimum-wage year of $33,114 equals about 57%.
Wage floors move, so treat the figure as a snapshot and verify it with New Jersey's labor department. Try your own rate in the hourly paycheck calculator.
What New Jersey Workers Earn and What They Keep
BLS Occupational Employment and Wage Statistics for May 2025 show a median wage of $58,570 a year in New Jersey, 15% above the national median of $50,980. The average (mean) is $78,040, spread over roughly 4,285,700 jobs.
Take-home for a single filer at each BLS pay level, after federal tax, FICA, state tax and programs, paid every two weeks with no deductions:
| Where you sit | Yearly pay | Yearly net | Net per two weeks | Tax share |
|---|---|---|---|---|
| 10th percentile | $34,450 | $29,266 | $1,125.61 | 15% |
| Typical worker (median) | $58,570 | $47,418 | $1,823.77 | 19% |
| Mean wage | $78,040 | $60,770 | $2,337.33 | 22.1% |
| Top quarter | $96,720 | $72,679 | $2,795.34 | 24.9% |
OEWS counts wage and salary jobs and leaves out the self-employed. Your own pay depends on your job and employer. Enter it in the salary paycheck calculator.
How Often New Jersey Employers Pay
New Jersey requires semimonthly or monthly pay, with monthly allowed for executives and supervisors. The Department of Labor summary behind this leaves out industry-specific exceptions; the New Jersey labor department can confirm what applies to your job.
The allowed pay schedules for a full-time salary of $58,600 a year (the BLS median wage there), single filer, no deductions:
| Frequency | Gross each check | Net each check |
|---|---|---|
| Semimonthly (24 a year) | $2,441.67 | $1,976.68 |
| Monthly (12 a year) | $4,883.33 | $3,953.37 |
Want the full comparison? See pay frequency explained, then try the monthly calculator with your salary.
New Jersey Programs, Local Taxes and Deductions
State Payroll Programs
These employee-paid state programs are built into the estimate (approximate rates):
- NJ SDI + Family Leave: 0.23% of wages up to $171,100.
Local Taxes
Newark and a few other cities charge an employer payroll tax, not an employee wage tax.
Retirement Contributions
New Jersey does not let you exclude 401(k) contributions from state taxable wages, so a 401(k) lowers federal tax but not state tax.
New Jersey Income Tax Brackets
Single-filer New Jersey brackets, estimated, after a $1,000 deduction:
| Taxable income | Rate |
|---|---|
| $0 to $20,000 | 1.4% |
| $20,000 to $35,000 | 1.75% |
| $35,000 to $40,000 | 3.5% |
| $40,000 to $75,000 | 5.53% |
| $75,000 to $500,000 | 6.37% |
| $500,000 to $1,000,000 | 8.97% |
| $1,000,000 and up | 10.75% |
What New Jersey Salaries Keep
On $75,000, single with no deductions, New Jersey ranks 27 of 51 for what you keep: about $58,824 a year, $56 below the median state at $58,880.
| Salary | Net every two weeks | Net a year | Tax share | State tax and programs a year |
|---|---|---|---|---|
| $30,000 | $991.48 | $25,778 | 14.1% | $506 |
| $45,000 | $1,434.44 | $37,296 | 17.1% | $1,042 |
| $60,000 | $1,864.80 | $48,485 | 19.2% | $1,905 |
| $75,000 | $2,262.46 | $58,824 | 21.6% | $2,768 |
| $100,000 | $2,875.77 | $74,770 | 25.2% | $4,410 |
| $150,000 | $4,080.04 | $106,081 | 29.3% | $7,710 |
New Jersey Against Its Neighbours
$75,000 salary, single filer, no deductions, in New Jersey and its neighbours:
| State | Yearly take-home | State taxes and programs | Versus this state |
|---|---|---|---|
| New Jersey (this page) | $58,824 | $2,768 | +$0 |
| New York | $57,784 | $3,808 | -$1,040 |
| Pennsylvania | $59,290 | $2,302 | +$466 |
| Delaware | $57,984 | $3,609 | -$840 |
The last column is the yearly take-home difference against New Jersey. The state where you work generally taxes your wages and your home state may give a credit, so check both before assuming one side of the border is better.
Getting More From a New Jersey Paycheck
- Where allowed, pre-tax money reduces New Jersey tax at your top bracket (as high as 10.75%) as well as federal tax.
- Payroll programs such as NJ SDI + Family Leave come out of every check and cannot be avoided, so budget for them.
- Keep Form NJ-W4 up to date with payroll after any move or life change.
- Local taxes can apply on top: Newark and a few other cities charge an employer payroll tax, not an employee wage tax.
- The federal side of pre-tax saving is covered in paycheck deductions and 401(k) deductions.
Nearby State Calculators
Common New Jersey Payroll Questions
Does New Jersey have a state income tax?
New Jersey taxes wages on a sliding scale, from 1.4% up to 10.75%.
What does $60,000 a year take home in New Jersey?
About $1,864.80 every two weeks, or $48,485 over the year, once federal tax, FICA and New Jersey tax are taken out (single filer, no deductions).
What is the minimum wage in New Jersey?
The minimum wage in New Jersey is $15.92 an hour as of July 1, 2026 according to the US Department of Labor. At 40 hours a week that is about $542.67 take-home per week for a single filer.
What is the average salary in New Jersey?
Median pay is $58,570 and the mean is $78,040 across all occupations in New Jersey (BLS OEWS, May 2025). A single filer at the median keeps about $47,418 a year.
How often do employers in New Jersey have to pay?
New Jersey requires semimonthly or monthly pay, with monthly allowed for executives and supervisors. Exceptions exist, so confirm with the state labor department.
Are there local income taxes in New Jersey?
Newark and a few other cities charge an employer payroll tax, not an employee wage tax. The calculator has a local tax field if one applies to you.
Which withholding form does New Jersey use?
New Jersey uses Form NJ-W4 for state withholding elections. Federal withholding is set on Form W-4.
What if I work in New Jersey but live across the state line?
The state where the work is done normally taxes the wages, while the state you live in may offer a credit. If you live in New York and work in New Jersey, or the other way round, read both states' rules and ask payroll about reciprocity.
Where does New Jersey place for keeping your paycheck?
On a $75,000 salary for a single filer, New Jersey ranks 27 of 51 (states and DC), with about $58,824 a year in take-home pay.
How these numbers are figured: 2026 IRS withholding rules (Publication 15-T) and state figures last verified September 2026. Results are estimates. Read the full methodology and sources.