Paycheck Decoder
New Jersey · hourly pay · 2026

New Jersey hourly paycheck calculator

Enter your hourly rate, hours and overtime to see what lands in your account after federal and state taxes.

  • See exactly how each tax is worked out
  • Uses the official 2026 IRS and state withholding formulas
  • Includes 401(k), health, overtime and W-4 settings
  • Free and private: nothing leaves your browser
More W-4 and deduction options
Estimated take-home per paycheck
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    Also for New Jersey: paycheck calculator · hourly · salary · take-home pay by job

    New Jersey take-home pay by hourly rate

    WageGross / 2 weeksTaxesTake-home / 2 weeksPer week
    $12/hour$960.00$130.21$829.79$414.90
    $15/hour$1,200.00$181.48$1,018.52$509.26
    $18/hour$1,440.00$236.52$1,203.48$601.74
    $20/hour$1,600.00$276.06$1,323.94$661.97
    $22/hour$1,760.00$318.45$1,441.55$720.78
    $25/hour$2,000.00$381.26$1,618.74$809.37
    $30/hour$2,400.00$485.94$1,914.06$957.03
    $35/hour$2,800.00$614.85$2,185.15$1,092.58
    $40/hour$3,200.00$762.02$2,437.98$1,218.99
    $50/hour$4,000.00$1,058.58$2,941.42$1,470.71

    40 hours a week, paid every two weeks, single, W-4 defaults, no pre-tax deductions.

    How New Jersey taxes hourly pay

    New Jersey withholds on a graduated scale from 1.5% to 11.8%, after $1,000 per NJ-W4 allowance. Single filers (and married filing separately) are withheld at Rate A; married filing jointly and heads of household at Rate B, which has wider low brackets. Employees can ask for a different rate (C, D or E) on the NJ-W4; this calculator uses A or B.

    New Jersey workers also pay three payroll insurance contributions in 2026: unemployment and workforce (0.425% of the first $44,800), disability (0.19%) and family leave (0.23%), both on the first $171,100.

    Hourly workers pay the same taxes as salaried staff. What changes is that your check moves with your hours, so withholding moves with it: a week with overtime is withheld as if every week looked like that.

    Questions

    How much is $20 an hour after taxes in New Jersey?

    About $1,323.94 every two weeks ($661.97 a week) for 40 hours a week, single, W-4 defaults, 2026 rules. That's about $34,422 a year.

    How is overtime taxed in New Jersey?

    Overtime is taxed like regular pay, but a check with overtime is annualized as if you earned that much every period, so more is withheld from that check. At $20 an hour with 10 overtime hours in a two-week period, take-home is about $1,544.91 instead of $1,323.94. Any new federal deduction for overtime is claimed through W-4 Step 4(b) or on your tax return.

    Sources