New Jersey paycheck calculator
New Jersey's 4.5% income tax leaves a $75,000 salary about $58,218 a year in take-home, after 2026 federal and FICA taxes.
New Jersey tax & wage facts
State income tax
Minimum wage
Take-home on $75k
Graduated 1.4%–10.75%; effective ~4.5%.
New Jersey wage law in 2026, $15.92 and four worker contributions
Checked against New Jersey agency and statute sources on 26 October 2026. Sources are listed at the end of this section.
| Minimum wage | $15.92 an hour for most employers from 1 January 2026. Seasonal and small employers (fewer than 6 employees): $15.23. Farm workers: $14.20. Long-term care direct care staff: $18.92. |
|---|---|
| Tipped employees | $6.05 cash wage; maximum tip credit $9.87. |
| Next change | $16.48 for most employees on 1 January 2027 (announced 29 September 2026); tipped cash wage $6.61. |
| Overtime | 1.5 times the regular rate after 40 hours a week (N.J.S.A. 34:11-56a4). No daily overtime. |
| Payday rule | At least twice each calendar month on regular paydays; the pay period must end no more than 10 working days before payday (N.J.S.A. 34:11-4.2). |
| Final paycheck | For any separation, by the regular payday for the period in which employment ended (34:11-4.3). |
| Worker contributions 2026 | Unemployment and workforce funds 0.425% on wages up to $44,800; disability insurance 0.19% and family leave insurance 0.23% on wages up to $171,100. |
New Jersey raises its minimum wage every January by the change in the consumer price index, and it runs several rates at once. Most workers earn $15.92 in 2026, seasonal workers and employees of businesses with fewer than six staff earn $15.23, farm workers $14.20, and direct care staff in long-term care facilities $18.92. The Department of Labor announced on 29 September 2026 that the main rate rises to $16.48 on 1 January 2027.
A New Jersey pay stub also shows more state lines than most. Besides income tax, employees contribute to unemployment insurance and the workforce funds, to temporary disability insurance and to family leave insurance. The 2026 worker rates add up to 0.845% of wages below the $44,800 unemployment wage base.
If wages go unpaid, the 2019 Wage Theft Act lets the worker recover the wages plus liquidated damages of up to 200%, with costs and attorney’s fees.
Worked paycheck for full time at the New Jersey minimum wage
At $15.92 an hour a full-time year is $33,113.60. Paid biweekly, each check covers 80 hours.
| Gross pay, biweekly ($15.92 × 80 hours) | $1,273.60 |
| Federal income tax (2026 brackets, standard deduction) | −$68.99 |
| Social Security (6.2%) and Medicare (1.45%) | −$97.43 |
| New Jersey income tax, calculator estimate | −$57.31 |
| Take-home per paycheck | $1,049.87 |
| Take-home per year ($33,114 gross) | $27,297 |
The calculator uses a flat 4.5% estimate for New Jersey. On the Division of Taxation’s schedule (1.4% to $20,000, then 1.75% to $35,000, after a $1,000 withholding allowance) this wage owes about $492 a year, less than the $1,490 estimate. The four worker contributions are not in the table: about $280 a year, or $10.76 a check.
Sources
- NJ Department of Labor, 2026 minimum wage press release (1 October 2025)
- NJ Department of Labor, 2027 minimum wage press release (29 September 2026)
- NJ Department of Labor, wage and hour laws and regulations
- NJ Department of Labor, State Wage Payment Law and selected labor laws
- NJ Department of Labor, employer rate information (2026 worker rates)
- NJ Division of Taxation, tax rate schedules, PDF
Common questions about New Jersey pay
Does New Jersey have a state income tax?
Yes. Graduated 1.4%–10.75%; effective ~4.5%. On a $75,000 salary that is about $3,375/year in New Jersey state income tax in this estimate.
What is the take-home pay on $75,000 in New Jersey?
About $58,218/year ($2,239 per bi-weekly paycheck) for a single filer, after roughly $7,670 federal tax, $5,738 FICA, and $3,375 New Jersey state tax. Adjust the calculator for your salary and filing status.
What is the minimum wage in New Jersey?
The New Jersey minimum wage is $15.92 per hour. At full time (about 2,080 hours a year) that is roughly $33,114 gross per year.
Other states
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