New Jersey Paycheck Calculator

Seven brackets for single filers and those married filing separately: 1.4% up to $20,000, 1.75% to $35,000, 3.5% to $40,000, 5.525% to $75,000, 6.37% to $500,000, 8.97% to $1,000,000, and 10.75% above that. Married filing jointly and head of household use an eight-row schedule with an extra 2.45% bracket inserted between the 1.75% and 3.5% rows, and every threshold from $50,000 up is wider than the single schedule.

Yes. New Jersey requires separate employee-side payroll withholding for Unemployment Insurance plus Workforce Development (0.425% combined, capped at a $44,800 wage base) and Temporary Disability Insurance plus Family Leave Insurance (0.42% combined, capped at a much higher $171,100 wage base), set annually by the New Jersey Department of Labor. This calculator computes both and shows them as one combined line, separate from New Jersey's state income tax.

No. New Jersey's Division of Taxation confirms the state has no standard deduction at all, unlike the federal system or states like New York and North Carolina. Instead, New Jersey reduces taxable income through a flat $1,000-per-person exemption system — one exemption for the filer, one for a spouse on a joint return, and additional $1,000 exemptions for age 65+, blindness/disability, and dependents.

Because New Jersey's married filing jointly schedule inserts an entirely separate 2.45% bracket between the 1.75% and 3.5% rows that the single schedule does not have at all — it is not simply the single schedule's same rates stretched over wider thresholds, the way some other states' married brackets work. A married couple's identical taxable income can therefore fall into a meaningfully lower bracket than the same taxable income would for a single filer, beyond what the wider thresholds alone would produce.

Yes, but the cap is federal, not a New Jersey rule. Social Security tax is 6.2% of wages up to $184,500 for 2026, after which no more Social Security tax is withheld for the rest of the year regardless of state. Medicare's 1.45% has no cap at all, and earners above $200,000 (single) or $250,000 (married filing jointly) pay an extra 0.9% Additional Medicare Tax on the excess.

Taxable income above $1,000,000 for both single and married filers — New Jersey's so-called 'millionaire's tax,' made permanent in 2020. Below that threshold, the highest bracket most filers will actually reach is 6.37%, which starts at $75,000 for single filers or $150,000 for married filing jointly.

This calculator estimates federal and New Jersey state income tax, FICA, and UI/Workforce/TDI/FLI withholding on regular wages — it does not account for New Jersey-specific credits, pre-tax deductions like a 401(k) or health premiums, or additional income that would change total taxable income. Your actual paystub may differ from this estimate for any of those reasons.

New Jersey allows withholding on supplemental wages like bonuses using either the regular percentage method or a flat supplemental rate, similar to the federal approach. At tax-filing time, though, a bonus is ordinary income taxed on the same bracket schedule as regular salary — the withholding method used on a specific paycheck only affects how much is taken out upfront, not what is ultimately owed for the year.

New Jersey has a reciprocal personal income tax agreement with Pennsylvania only — a New Jersey resident who works in Pennsylvania pays income tax to New Jersey, not Pennsylvania, and vice versa, so no double state filing is needed for that specific commute. New Jersey has no such agreement with New York, so someone who lives in New Jersey and works in New York generally files a nonresident New York return and a resident New Jersey return, then claims a credit on the New Jersey return for tax paid to New York to avoid being taxed twice on the same income.

It depends on income, filing status, and pay frequency, but the $75,000 single-filer example on this page shows the mix: $7,670 federal tax, $2,596 New Jersey state tax, $4,650 Social Security, $1,087.50 Medicare, and $505.40 in NJ UI/Workforce/TDI/FLI withholding — $16,508.90 total, an effective rate just above 22%. Lower earners land in New Jersey's lower brackets and owe a smaller share; higher earners move into the 6.37% or higher brackets. Enter an actual salary and filing status above for a figure specific to that situation rather than this one example.