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New Jersey has a progressive state income tax system plus a couple of state-specific payroll deductions that don't exist in most other states. Here's exactly what shapes a New Jersey paycheck. What comes out of a New Jersey paycheck Every New Jersey paycheck includes: Federal income tax — based on income, filing status, and W-4 elections New Jersey state income tax — a progressive system with multiple brackets NJ Unemployment Insurance (UI), Disability Insurance (DI), and Family Leave Insurance (FLI) — small, mandatory employee-side payroll deductions funding state benefit programs Social Security tax — 6.2% on wages up to $184,500 for 2026 Medicare tax — 1.45% on all wages, no cap Worked example: $70,000 salary in New Jersey Single filer, paid biweekly (26 pay periods), no pre-tax deductions: Federal standard deduction (2026): $16,100 Federal taxable income: $53,900 Federal tax owed: 10% on $12,400 ($1,240) + 12% on $38,000 ($4,560) + 22% on $3,500...

New York has one of the more layered tax systems in the country — state income tax applies everywhere, and if you work in New York City, an additional city income tax stacks on top. Here's exactly what shapes a New York paycheck. What comes out of a New York paycheck Every New York paycheck includes: Federal income tax — based on income, filing status, and W-4 elections New York State income tax — a progressive system with multiple brackets New York City income tax — an additional progressive tax, only for NYC residents (not just people who work there — it's based on residency) Social Security tax — 6.2% on wages up to $184,500 for 2026 Medicare tax — 1.45% on all wages, no cap Worked example: $75,000 salary in New York State (outside NYC) Single filer, paid biweekly (26 pay periods), no pre-tax deductions: Federal standard deduction (2026): $16,100 Federal taxable income: $58,900 Federal tax owed: 10% on $12,400 ($1,240) + 12% on $38,000 ($4,560) +...

Find your paycheck in under a minute Every guide on this blog shows the math behind take-home pay: federal tax, state tax and FICA, worked out line by line. Pick your state, your salary or your hourly wage below. Or skip the reading and run your own numbers. Open the take-home calculator By state By salary By hourly wage When your paycheck changes Paycheck terms Your state State tax is the biggest reason the same salary pays differently in different places. Open the group that matches your state. No state income tax on wages (9 states) Alaska Florida Nevada New Hampshire South Dakota Tennessee Texas Washington Wyoming One flat state rate (16 states) Arizona Colorado Georgia Idaho Illinois Indiana Iowa Kentucky Louisiana Massachusetts Michigan Mississippi North Carolina Ohio Pennsylvania Utah Tax brackets that rise with income (25 states) Alabama Arkansas California Connecticut Delaware Hawaii Kansas Maine Maryland Minnesota Missouri Montana Nebraska New Jersey New Mexico New York North...