New Jersey · 2026
New Jersey paycheck calculator
| Item | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,307.69 | $59,999.94 |
| Federal income tax | −$193.08 | −$5,020.08 |
| Social security | −$143.08 | −$3,720.08 |
| Medicare | −$33.46 | −$869.96 |
| New Jersey income tax | −$75.61 | −$1,965.86 |
| NJ UI/WF/SWF | −$9.81 | −$255.06 |
| NJ disability insurance (DI) | −$4.38 | −$113.88 |
| NJ family leave insurance (FLI) | −$5.31 | −$138.06 |
| Take-home pay | $1,842.96 | $47,916.96 |
The official method, step by step
For 2026, the New Jersey lines are worked out as follows (rule set us-nj-2026.1): New Jersey income tax by the Division of Taxation's percentage method tables (rate A or B from the NJ-W4 status, or the letter on line 3) after $1,000 a year per allowance; UI/WF/SWF 0.425% (to $44,800), disability 0.19% and family leave 0.23% (to $171,100).
- Pay is annualized, then reduced by the Form W-4 amount for your filing status ($8,600, or $12,900 if married filing jointly) unless the Step 2 box is checked.
- Federal income tax comes from the IRS 2026 Annual Percentage Method table for that status, divided back to one paycheck.
- Social security is 6.2% of wages until the year's wages reach $184,500.
- Medicare is 1.45% of all wages, plus 0.9% on wages over $200,000 in the year.
- A pre-tax 401(k) lowers federal income tax wages, not social security or Medicare wages.
- New Jersey income tax follows the Division of Taxation's percentage method tables: the NJ-W4 allowances come off first ($19.20 a week each, $1,000 a year), then the rate table applies. Filing status 1 or 3 uses Rate A, status 2, 4 or 5 uses Rate B, and an employee can choose Rate C, D or E on line 3 of the NJ-W4.
- Worker contributions for 2026: unemployment and workforce funds (UI/WF/SWF) 0.425% of wages up to $44,800, disability insurance 0.19% and family leave insurance 0.23% of wages up to $171,100. The yearly figures here don't stop at those limits, so for pay above them they overstate the year's contributions.
What this leaves out
The calculator works out federal income tax, social security, Medicare and the New Jersey lines for 2026, and leaves out the items below.
- Private disability or family leave plans, which replace the state DI or FLI line
- NJ-W4 line 5 additional withholding (the pay stub generator handles it)
- Local taxes, such as Newark's payroll tax, which employers pay
- W-4 Step 3 credits and Step 4 entries (the pay stub generator handles them)
Sources: New Jersey Division of Taxation, Tables for Percentage Method of Withholding (wages paid on and after October 1, 2020), Rates A to E; New Jersey Division of Taxation, NJ-WT Income Tax Withholding Instructions (September 2025): which rate table applies, and withholding allowance values; New Jersey Department of Labor and Workforce Development, rate information: 2026 taxable wage bases ($44,800 UI and WF/SWF; $171,100 DI and FLI, workers); New Jersey Division of Taxation, M-6025 2026 W-2 reporting guidelines: 2026 maximum worker contributions (UI/WF/SWF $190.40, DI $325.09, FLI $393.53), which are 0.425%, 0.19% and 0.23% of those wage bases; IRS Publication 15-T (2026), Federal Income Tax Withholding Methods: Worksheet 1A and the Annual Percentage Method Tables; IRS Publication 15 (2026), (Circular E) Employer's Tax Guide: social security and Medicare tax, Additional Medicare Tax.
New Jersey paycheck calculator: common questions
Common questions about New Jersey paychecks and take-home pay in 2026, answered from the official sources listed above.
What comes out of a New Jersey paycheck?
Federal income tax, social security and Medicare, New Jersey income tax, and three state worker contributions: UI/WF/SWF (0.425%), disability insurance (0.19%) and family leave insurance (0.23%), each up to its 2026 wage limit.
What are Rate A and Rate B on the NJ-W4?
They're New Jersey's withholding tables. Single employees and married or civil union partners filing separately (status 1 or 3) use Rate A. Married or civil union couples filing jointly, heads of household and surviving spouses (status 2, 4 or 5) use Rate B, unless they pick C, D or E on line 3 to withhold more.
How much is New Jersey tax on $1,000 a week?
At Rate A with one allowance: $1,000 − $19.20 = $980.80, and the weekly table gives $15.29 plus 6.1% of the amount over $769, which is $28.21.
Can I make a pay stub from this?
Yes. “Make a New Jersey pay stub with these numbers” opens the pay stub generator with this paycheck, New Jersey as the work state and these deductions filled in. Once you add the pay date, it can recalculate the same New Jersey lines.
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