Paycheck · New Jersey · 2026
New Jersey Paycheck Calculator
Enter your pay, hours and deductions to estimate New Jersey net pay per period, plus weekly, biweekly, monthly and annual take-home and your effective tax rate. New Jersey withholding uses the NJ-WT percentage-method rate tables, and each employee contribution is listed separately.
Estimated take-home pay
$2,862.56
per biweekly pay · $112,000.00 annual grosseff. rate
- Gross pay
- $4,307.69
- Federal income tax
- −$518.89
- Social Security
- −$255.30
- Medicare
- −$59.71
- New Jersey income tax
- −$181.24
- NJ unemployment insurance (employee)
- −$6.59
- NJ workforce development (employee)
- −$0.73
- NJ temporary disability insurance
- −$7.82
- NJ family leave insurance
- −$9.47
- Pre-tax deductions
- −$405.38
- Post-tax deductions
- −$0.00
- Net pay
- $2,862.56
$1,431.28
$2,862.56
$6,202.21
$74,426.46
What-if scenarios
Calculations are estimates for informational purposes and are not tax, legal, or financial advice. Actual withholding and take-home pay may differ.
How New Jersey withholding is calculated
New Jersey income tax
Withholding follows the NJ-WT percentage method. Each exemption claimed on Form NJ-W4 removes $1,000 a year from wages first, then one of the five published rate tables — A, B, C, D or E — is applied. Tables C, D and E come from the NJ-W4 Instruction A Wage Chart, which this calculator can read for you from your own wages and all other household wages.
Employee contributions, 2026
Worker rates published by the NJ Division of Employer Accounts for January 1 to December 31, 2026: unemployment insurance 0.3825% and workforce development 0.0425% on the first $44,800 of wages; temporary disability insurance 0.19% and family leave insurance 0.23% on the first $171,100.
Wage ceilings
Once your wages pass a ceiling, that contribution stops for the year. Above $44,800 the UI and workforce lines stop growing; above $171,100 the TDI and FLI lines stop growing, so take-home per period rises later in the year.
Employer taxes are excluded
The employer's experience-rated unemployment contribution, the employer disability insurance rate and the employer workforce share are not withheld from your pay. Municipal employer payroll taxes, such as the Jersey City and Newark employer payroll taxes, are employer obligations and are also excluded.
Official sources
- NJ-WT — New Jersey Gross Income Tax Withholding Instructions
- Form NJ-W4 — Employee's Withholding Allowance Certificate
- NJ Division of Employer Accounts — 2026 rate information and taxable wage bases
Other state calculators
New Jersey paycheck questions
What the New Jersey estimate includes, which official schedules it uses, and what it deliberately leaves out.
Which New Jersey withholding tables are used?
All five NJ-WT percentage-method rate tables. Table A covers single and married-filing-separately filers and Table B covers married filing jointly, head of household and qualifying surviving spouse, while Tables C, D and E apply when the NJ-W4 Instruction A Wage Chart gives that letter. Each exemption you claim removes $1,000 a year from wages before the table is applied.
What employee contributions are withheld in New Jersey for 2026?
Unemployment insurance at 0.3825% and workforce development at 0.0425% on wages up to $44,800, plus temporary disability insurance at 0.19% and family leave insurance at 0.23% on wages up to $171,100. Each is shown as its own line.
Does the employer's payroll tax reduce my take-home pay?
No. The employer's unemployment and disability contributions and municipal employer payroll taxes such as those in Jersey City and Newark are paid by the employer and are excluded from this calculation.
Why does my net pay change during the year?
Because the UI and workforce contributions stop at $44,800 of wages and TDI and FLI stop at $171,100. This calculator annualises your pay, so it spreads those contributions evenly rather than showing the mid-year step up.
Are these figures exact?
No. They are estimates, not tax, legal or financial advice. Your exact NJ-W4 and Form W-4, and your employer's payroll method, determine what is actually withheld.