New Jersey Paycheck Calculator 2026

A New Jersey paycheck loses ground to five separate withholdings before it reaches your bank. The federal pieces are the same everywhere: federal income tax against the IRS brackets, 6.2% Social Security on wages up to the $184,500 cap, and 1.45% Medicare with no ceiling. On top of that, New Jersey layers its own progressive income tax, which climbs through several brackets and tops out at 10.75% on the highest earners.

Two smaller line items are easy to miss but specific to the Garden State. New Jersey funds Temporary Disability Insurance through a worker contribution of 0.19% of wages, and it also runs a Family Leave Insurance program that funds paid time off for bonding or caregiving. Anything you route into a 401(k) up to the $24,500 deferral limit lowers your federal taxable wages, but Social Security and Medicare are still figured on the full amount, so those two never shrink when you save more.

On a $60,000 salary, New Jersey's graduated income tax, topping out at 10.75%, comes to about $1,767 a year for a single filer after the state's own deductions and exemptions — on top of $4,590 in federal FICA, which is the same in every state. 37 of the 42 states that tax income have a lower top rate than New Jersey's 10.75%.

The state minimum wage is $15.92/hr , above the federal $7.25 floor — about $33,114 a year at 40 hours a week. New Jersey also withholds for state disability insurance and paid family leave, which most states do not.