How New Jersey state tax withholding works
New Jersey taxes wage income, so your employer withholds New Jersey income tax from each paycheck in addition to federal tax. You tell your employer how much to withhold on Form NJ-W4 (Employee's Withholding Allowance Certificate), the state’s counterpart to the federal Form W-4.
For 2026, New Jersey uses graduated tax rates. Each rate applies only to the income within its band — the single-filer schedule is:
| Rate | Taxable income over |
|---|---|
| 1.4% | $0 |
| 1.75% | $20,000 |
| 3.5% | $35,000 |
| 5.53% | $40,000 |
| 6.37% | $75,000 |
| 8.97% | $500,000 |
| 10.75% | $1,000,000 |
Enter your pay above to see your estimated New Jersey withholding per paycheck and per year, alongside your federal withholding and the exact W-4 entries.
New Jersey vs. federal withholding
Your New Jersey and federal withholding are figured separately. Federal withholding follows the IRS Publication 15-T tables and your Form W-4; New Jersey withholding follows the state’s own rates and your Form NJ-W4. Getting one right doesn’t guarantee the other — this calculator handles both so you don’t owe a surprise bill to either the IRS or New Jersey.
Important New Jersey notes
- New Jersey publishes rate tables (A–E) chosen on the NJ-W4; this estimate uses the base rate schedule.
Frequently asked questions
Sources & disclaimer
Federal figures use the 2026 IRS Publication 15-T. New Jersey withholding is based on the 2026 New Jersey income-tax structure; confirm exact figures and complete Form NJ-W4 at the nj.gov website.
This tool provides estimates for educational purposes and is not tax advice. State withholding is modeled from the state’s income-tax rules and may differ from the exact wage-bracket tables your employer uses. Verify against your pay stub and consult a qualified tax professional before submitting your W-4 or Form NJ-W4.