New Jersey Overtime Calculator 2026
Calculate your New Jersey take-home pay including overtime. Overtime pays 1.5× your regular rate for all hours over 40 per week under federal FLSA rules.
New Jersey Income Tax Overview
New Jersey has a progressive income tax with rates from 1.4% to 10.75%, though the practical burden for most earners falls in the 5.525% to 6.37% bracket range. New Jersey also collects small deductions for State Disability Insurance (SDI) and Family Leave Insurance (FLI) from each paycheck. While New Jersey does not have a local city income tax, its property taxes are the highest in the nation — averaging over $9,000 per household annually — which affects overall cost of living significantly even though it doesn't appear on a pay stub.
Here's what a single New Jersey filer keeps in 2026: on a $50,000 salary, take-home is $41,085 per year ($3,424/month), with $1,271 going to state taxes. At $80,000, you keep $62,139 ($5,178/month), paying $2,972 in state taxes. At $100,000, take-home is $74,935 ($6,245/month) with $4,246 in state tax. At $150,000, you keep $106,361 ($8,863/month) with $7,431 in state tax.
New Jersey sits between New York and Pennsylvania in terms of take-home pay on wages. Against Pennsylvania at $100,000, New Jersey workers pay roughly $1,175 more per year in state income tax. Against New York State (excluding NYC) at $80,000, New Jersey workers actually take home about $752 more. This makes the live-in-New-Jersey, work-in-New-York-City arrangement financially interesting: you avoid NYC's 3.876% local income tax while paying a somewhat lower New Jersey state rate, potentially saving $2,000-$5,000 per year at mid-to-high income levels.
Watch out: New Jersey has an "exit tax" — a withholding on the proceeds of a home sale when the seller is moving out of state. New Jersey withholds either 8.97% of the gain or 2% of the sale price (whichever is higher) as a prepayment toward the final tax liability. This is reconciled on your final New Jersey return, but it can create a significant short-term cash flow issue if you're relying on home sale proceeds to fund a move or down payment on a new home elsewhere. Plan for this if you're selling a New Jersey property as part of a relocation.