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New Jersey Paycheck Calculator
Take-home pay after federal and New Jersey taxes for 2026, with overtime.
- Gross pay
- $0
- Federal income tax
- $0
- State income tax
- $0
- Social Security
- $0
- Medicare
- $0
- Local income tax
- $0
- Pre-tax deductions
- $0
How New Jersey taxes your paycheck
New Jersey taxes income in brackets, like the federal government: each layer of taxable income is taxed at its own rate, from 1.4% to 10.75% for 2026.
Single filers
| 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% |
| Over $1,000,000 | 10.75% |
Married filing jointly
| Taxable income | Rate |
|---|---|
| $0 to $50,000 | 1.4% |
| $50,000 to $70,000 | 2.45% |
| $70,000 to $80,000 | 3.5% |
| $80,000 to $150,000 | 5.53% |
| $150,000 to $500,000 | 6.37% |
| $500,000 to $1,000,000 | 8.97% |
| Over $1,000,000 | 10.75% |
Before the rate applies, New Jersey allows a personal exemption of $1,000 ($2,000 for married couples), $1,500 more for each dependent.
Every paycheck also has federal income tax (based on your Form W-4), Social Security (6.2%, up to $184,500 of wages in 2026) and Medicare (1.45%).
Local income tax
Local income taxes on wages aren't common in New Jersey. If your city or county charges one, add its rate under "Deductions and local tax" above.
Example: $25 an hour in New Jersey
A single person paid every two weeks for 40 hours a week, with no other deductions. The second column adds 8 hours of overtime a week.
| Each paycheck | 40 hours a week | With 8 hours overtime |
|---|---|---|
| Gross pay | $2,000.00 | $2,600.00 |
| Federal income tax | $156.15 | $232.38 |
| New Jersey income tax | $50.99 | $84.17 |
| Social Security | $124.00 | $161.20 |
| Medicare | $29.00 | $37.70 |
| Take-home pay | $1,639.86 | $2,084.55 |
Overtime adds $600.00 of gross pay each paycheck, and $444.69 of it reaches your account after taxes. Some of the federal tax on overtime may come back at tax time through the overtime deduction.
See every paycheck for the year
IncomeSync projects each paycheck for every job in your household, with overtime week by week and your state's taxes, learns from your real pay stubs, and estimates your year-end refund. Free to use, no account needed.
Get IncomeSyncCommon questions
What's New Jersey's income tax rate in 2026?
New Jersey's 2026 income tax rates run from 1.4% to 10.75%, in 7 brackets.
How much is taken out of a $25-an-hour paycheck in New Jersey?
For a single person paid every two weeks for 40 hours a week, gross pay is $2,000.00. About $156.15 goes to federal income tax, $50.99 to New Jersey income tax, $124.00 to Social Security and $29.00 to Medicare, leaving about $1,639.86 in take-home pay.
Is there a city or local income tax in New Jersey?
Local income taxes on wages aren't common in New Jersey. If your city or county does charge one, add its rate under "Deductions and local tax".
An estimate for planning, not tax advice. Federal withholding follows the IRS's 2026 percentage method (Publication 15-T) for a 2026 Form W-4; state figures use each state's 2026 income tax rates, deductions and exemptions, which employers' payroll formulas follow closely but not always exactly. IncomeSync isn't affiliated with the IRS or any state. Runs in your browser; nothing you enter is stored or sent.