New Jersey paycheck withholding calculator
Estimate how your paycheck withholding compares with a simplified annual New Jersey income tax estimate. Enter your yearly wages and the state tax amounts from your paystub. Review the assumptions before changing payroll settings.
New Jersey tax snapshot: New Jersey taxes wages with 5 graduated brackets ranging from 1.4% to 3.9%. The New Jersey standard deduction in this estimate is $10,000 for single filers — confirm the current-year figure in state instructions. The personal exemption is $1,000. To change New Jersey withholding, file New Jersey Form NJ-W4 with your employer.
Check your New Jersey paycheck withholding
Enter your yearly wages and the state tax amounts from your paystub. This is a planning estimate, not your final state tax bill.
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New Jersey income tax brackets (2026)
| Taxable income | Rate |
|---|---|
| $0 to $20,000 | 1.4% |
| $20,000 to $35,000 | 1.88% |
| $35,000 to $75,000 | 2.45% |
| $75,000 to $110,000 | 3.5% |
| $110,000 and over | 3.9% |
Standard deduction $10,000 (single). Personal exemption $1,000. Filing status, deductions, credits, and local taxes can change your actual withholding.
How to adjust New Jersey withholding
File New Jersey Form NJ-W4 with your employer to change New Jersey paycheck withholding. Confirm you have the current-year version, enter only the lines your situation requires, and check your next paystub's state-tax line to verify the change took effect within one or two pay periods.
What is the New Jersey state income tax rate?
New Jersey uses graduated brackets from 1.4% to a top rate of 3.9%. This is a planning estimate — check current state instructions for your filing status and year.
What form changes New Jersey withholding?
New Jersey Form NJ-W4. Ask HR for the current-year version; payroll generally applies the change within one or two pay periods.