A New Jersey pay stub can carry five state lines: income tax and four separate employee contributions. Workers pay into unemployment insurance, the workforce development fund, temporary disability insurance and family leave insurance. The first two stop once your year’s pay reaches a fairly low wage base, so higher earners see them disappear partway through the year; the disability and family leave contributions run much longer before they stop. Workers covered by an approved private disability plan may pay a different amount for that piece.
Income tax withholding runs on five rate tables, A to E, chosen on line 3 of Form NJ-W4. Rate A is the default for single filers and married people filing separately, Rate B for joint filers and heads of household. Rates C, D and E are alternatives you can pick on the form when the default table would take too little or too much for your household, which most often happens with two incomes. Each allowance then adds a fixed reduction on top. The calculator lets you choose any of the five in its New Jersey settings.
New Jersey defines taxable wages differently from the federal government in two ways. Traditional 401(k) deferrals are excluded, as they are federally, but deferrals to other workplace retirement plans are not. And New Jersey does not follow the federal treatment of health savings accounts, so HSA contributions taken through payroll still count as New Jersey wages. Someone saving heavily into an HSA will see a higher state line than the federal treatment suggests.
New Jersey’s only reciprocal agreement is with Pennsylvania. Residents of either state who work in the other file a form with the employer and have only home-state tax withheld, so a Cherry Hill resident with a job in Center City pays New Jersey tax plus Philadelphia’s wage tax, not Pennsylvania’s. The commute into New York City, has no such arrangement: New York withholds its own tax and New Jersey credits it, while the city’s own income tax applies only to its residents.
How New Jersey taxes your paycheck
State income tax withholding
On the tax return, New Jersey taxes income in brackets, and the rate on the highest bracket is 10.75%. Employers withhold with a separate table that goes up to 11.8% on the highest slice of pay. That is a withholding rate, not the rate on your return: any excess comes back as a refund when you file. The withholding figures here follow New Jersey's own instructions for employers.
For a single filer paid every two weeks, New Jersey withholds 1.7% of a $30,000 salary and 5.5% of $150,000:
| Salary | New Jersey tax withheld | Share of pay |
|---|---|---|
| $30,000 | $512 | 1.7% |
| $50,000 | $1,417 | 2.8% |
| $75,000 | $2,942 | 3.9% |
| $100,000 | $4,687 | 4.7% |
| $150,000 | $8,187 | 5.5% |
New Jersey does not follow the federal treatment of health savings accounts, so HSA contributions made through payroll are still counted as New Jersey wages.
Payroll levies
New Jersey takes four payroll levies besides any income tax, together $436 a year at the median wage.
- NJ Unemployment Insurance (worker): 0.3825% of wages up to $44,800 a year. On the median wage that is $171.43 a year.
- NJ Workforce Development / Supplemental Workforce Fund (worker): 0.0425% of wages up to $44,800 a year. On the median wage that is $19.09 a year.
- NJ Temporary Disability Insurance (worker): 0.19% of wages up to $171,100 a year. On the median wage that is $111.28 a year.
- NJ Family Leave Insurance (worker): 0.23% of wages up to $171,100 a year. On the median wage that is $134.68 a year.
City and county taxes
No New Jersey city or county withholds income tax from wages, so state income tax and the four levies above are the only New Jersey lines on your pay stub.
Living in one state and working in another
New Jersey has a reciprocal agreement with Pennsylvania. A Pennsylvania resident who works in New Jersey has only Pennsylvania tax withheld after giving the employer the exemption form.
For a job in any other state, New Jersey withholds as well but subtracts the other state's tax first, so the two are not added in full. Enter both states in the calculator to see it; the guide to reciprocity agreements covers the rest.
New Jersey take-home pay by salary
Net pay per paycheck at each salary, single with no 401(k), benefits or extra withholding, living and working in New Jersey. It runs from $981.52 every two weeks on $30,000 to $4,012.93 on $150,000. For a 401(k), health premiums or a different filing status, use the calculator above.
| Salary | Weekly | Every two weeks | Twice a month | Monthly | Year |
|---|---|---|---|---|---|
| $30,000 | $490.97 | $981.52 | $1,063.29 | $2,127.64 | $25,519 |
| $40,000 | $638.21 | $1,275.98 | $1,382.77 | $2,765.81 | $33,176 |
| $50,000 | $779.36 | $1,558.31 | $1,688.77 | $3,377.53 | $40,538 |
| $60,000 | $920.53 | $1,840.62 | $1,994.65 | $3,989.22 | $47,921 |
| $75,000 | $1,115.92 | $2,231.43 | $2,418.01 | $4,835.93 | $58,145 |
| $90,000 | $1,296.21 | $2,592.20 | $2,808.60 | $5,617.20 | $67,589 |
| $100,000 | $1,416.42 | $2,832.60 | $3,069.04 | $6,138.09 | $73,882 |
| $125,000 | $1,715.69 | $3,431.15 | $3,717.47 | $7,434.94 | $89,551 |
| $150,000 | $2,006.59 | $4,012.93 | $4,347.71 | $8,695.46 | $104,783 |
Hourly pay after tax in New Jersey
At 40 hours a week, $25.00 an hour comes to $807.58 in a weekly paycheck and $42,015 over the year, which is $20.20 for each hour worked. Overtime, tips and a different schedule change these figures: switch the calculator to its Hourly tab to enter them.
| Hourly wage | Weekly paycheck | Year | Per hour after tax |
|---|---|---|---|
| $15.00 | $508.87 | $26,450 | $12.72 |
| $20.00 | $660.78 | $34,350 | $16.51 |
| $25.00 | $807.58 | $42,015 | $20.20 |
| $30.00 | $954.40 | $49,693 | $23.89 |
| $40.00 | $1,214.48 | $63,310 | $30.44 |
| $50.00 | $1,464.50 | $76,400 | $36.73 |
Worked example: the median wage in New Jersey
The median annual wage in New Jersey is $58,570: half of all jobs pay more and half pay less, in the Bureau of Labor Statistics wage survey for May 2025 (all occupations; survey date May 31, 2025). Paid every two weeks as a single filer, with no 401(k) or benefits, that salary works out like this.
| Line | Each paycheck | Year |
|---|---|---|
| Gross pay | $2,252.69 | $58,570.00 |
| Federal income tax | $186.48 | $4,848.48 |
| Social Security | $139.67 | $3,631.42 |
| Medicare | $32.66 | $849.16 |
| New Jersey income tax | $74.60 | $1,939.60 |
| NJ Unemployment Insurance (worker) | $8.62 | $171.43 |
| NJ Workforce Development / Supplemental Workforce Fund (worker) | $0.96 | $19.09 |
| NJ Temporary Disability Insurance (worker) | $4.28 | $111.28 |
| NJ Family Leave Insurance (worker) | $5.18 | $134.68 |
| Take-home pay | $1,800.24 | $46,864.86 |
You keep 80.0% of gross pay. Of the $11,705 withheld, federal income tax is the largest part at $4,848, followed by Social Security at $3,631. The year is not 26 times the first paycheck because a limit or threshold is reached during the year; the year column adds up every paycheck.
New Jersey paycheck questions
How much is $58,570 a year after taxes in New Jersey?
Paid every two weeks as a single filer with no pre-tax deductions, $58,570 a year in New Jersey leaves $46,865 after tax, or $1,800.24 a paycheck. Federal income tax takes $4,848 and Social Security and Medicare $4,481; New Jersey income tax takes $1,940; state payroll levies take $436. $58,570 is the median annual wage for all jobs in New Jersey in the Bureau of Labor Statistics survey for May 2025.
What is the top income tax rate in New Jersey on a paycheck?
On the tax return, New Jersey taxes income in brackets, and the rate on the highest bracket is 10.75%. Employers withhold with a separate table that goes up to 11.8% on the highest slice of pay. That is a withholding rate, not the rate on your return: any excess comes back as a refund when you file. At the median wage, New Jersey withholds 3.3% of gross pay.
What does New Jersey deduct from a paycheck besides income tax?
NJ Unemployment Insurance (worker): 0.3825% of wages up to $44,800 a year, NJ Workforce Development / Supplemental Workforce Fund (worker): 0.0425% of wages up to $44,800 a year, NJ Temporary Disability Insurance (worker): 0.19% of wages up to $171,100 a year and NJ Family Leave Insurance (worker): 0.23% of wages up to $171,100 a year. At the median wage these come to $436 for the year.
I live in another state and work in New Jersey. Which state withholds?
New Jersey has a reciprocal agreement with Pennsylvania. A Pennsylvania resident who works in New Jersey has only Pennsylvania tax withheld after giving the employer the exemption form.
What is $75,000 a year biweekly in New Jersey?
$2,231.43 a paycheck, single, with no 401(k) or other deductions. Paid twice a month it is $2,418.01, and monthly $4,835.93. Over the year that is $58,145.
Sources
- IRS Publication 15-T, Federal Income Tax Withholding Methods
- Social Security Administration, contribution and benefit base
- New Jersey employer withholding instructions
- New Jersey income tax rates on the return
- NJ Unemployment Insurance (worker)
- NJ Workforce Development / Supplemental Workforce Fund (worker)
- NJ Temporary Disability Insurance (worker)
- NJ Family Leave Insurance (worker)
- Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025
Rules checked . How we calculate.