New Jersey (NJ) Paycheck Calculator 2026

Filling out Form NJ-W4

New Jersey withholding is driven by Form NJ-W4, which is separate from the federal W-4. The form asks for your filing status, the number of allowances, and optionally a rate table letter from A to E. If you check single or married/civil union partner filing separately, your employer uses Rate A; if you check married filing jointly, head of household or qualifying widow(er) and leave the table line blank, Rate B applies.

Each allowance reduces the wages subject to withholding by $19.20 a week in the weekly table and $1,000 a year in the annual table, matching the state’s $1,000 personal exemption. Two-earner couples are the group most often under-withheld, because both employers apply the married table to each salary. The NJ-W4 worksheet lets you pick a different rate table (C, D or E) to fix that.

Three New Jersey payroll deductions besides income tax

New Jersey is one of the few states where employees pay into state insurance programs. In 2026 these come out of every paycheck until you hit the annual wage caps:

• Together these can cost up to $909 a year. Once your year-to-date wages pass $44,800, the unemployment line drops off your stub; the disability and family leave lines continue until $171,100.
• These deductions fund New Jersey Temporary Disability and Family Leave Insurance benefits, which replace part of your wages if you cannot work because of illness, pregnancy or caring for a family member.

New Jersey paycheck examples

Bi-weekly figures for 2026. The minimum-wage row uses New Jersey’s $15.92 rate for 2,080 hours. The married row includes two children and a $10,000 pre-tax 401(k) contribution, which New Jersey also excludes from taxable wages.

• At $72,000 the single worker pays about $93 per check in New Jersey income tax and $19 in UI, disability and family leave contributions.
• Above $75,000 of taxable income, single filers reach the 6.37% bracket, which is why the jump between the $72,000 and $210,000 rows is steep.

Commuting to Pennsylvania or New York

New Jersey and Pennsylvania have a reciprocal agreement covering employee compensation. A New Jersey resident working in Pennsylvania gives the Pennsylvania employer Form REV-419EX so only New Jersey tax is withheld; a Pennsylvania resident working in New Jersey files Form NJ-165 with the New Jersey employer. The agreement covers wages only, not self-employment or investment income.

New York has no such agreement. New Jersey residents who work in New York pay New York nonresident tax on New York wages and file Form IT-203. If your primary office is in New York and you work from home in New Jersey for your own convenience, New York generally treats those days as New York workdays unless your employer has established a bona fide office at your home.

Minimum wage in New Jersey

New Jersey’s minimum wage is $15.92 an hour in 2026 for most employers. Seasonal employers and employers with fewer than six employees may pay $15.23. Overtime at time-and-a-half applies after 40 hours a week.