New Jersey Paycheck Calculator
Calculate your take-home pay per paycheck for salary and hourly jobs after federal & New Jersey taxes
Updated for 2024 tax year on Jul 06, 2024
Calculate your paycheck in these states
How to calculate your New Jersey paycheck
Table of Contents
Overview of New Jersey
New Jersey state has a little under 9 million (2019). It has the highest-density population of any state in the United States. The Garden State had the highest number of millionaires per capita in the United States in 2020.
Brief summary:
- the income tax rate ranges from 1.40% to 10.75%
- no local income tax
- subject to two types of payroll taxes
- able to claim exemptions
Understanding your New Jersey paycheck
Whether you’re a recent graduate or a seasoned worker, understanding the intricacies of your New Jersey paycheck is crucial to managing your finances. Like in every other state, federal income and FICA taxes (Social Security and Medicare) are withheld from your paycheck/
Your marital status and the number of allowances you claim on your W-4 form directly impact the pre-tax deductions from your paycheck. Common pre-tax deductions include contributions to retirement, health savings, and flexible spending accounts.
New Jersey state income tax rates range from 1.4% to 10.75%. You pay more tax when you earn more. State income taxes are calculated separately from federal income taxes.
If you’re a New Jersey employee, you’ll also notice a state payroll tax deduction on your pay stub. This deduction contributes to the state’s unemployment, disability, and family leave insurance programs.
New Jersey does not offer standard deductions. However, you can claim personal exemptions to help reduce your taxable income. Be sure to explore all available options to maximize your savings.
Lastly, post-tax deductions make their appearance on your pay stub. These include deductions for union dues, charitable contributions, or wage garnishments. It’s essential to review these deductions periodically and ensure their accuracy.
Calculate your New Jersey paycheck
Calculating your New Jersey state income tax is similar to the steps we listed on our main paycheck calculator page:
- Determine your gross income
- Annual salary
Annual salary = Gross income - Hourly wage
Hourly wage × Hours worked per day × Days worked per week × Weeks worked per year = Your weekly paycheck
- Annual salary
- Work out your total federal income tax
- Gross income adjusted
Gross income − Pre-tax deductions = Gross income adjusted - Federal taxable income
Gross income adjusted − Federal standard/itemized deductions = Federal taxable income - Federal income tax liability
Federal taxable income × Federal income tax rate = Federal income tax liability - Federal payroll tax liability
Gross income × Federal payroll tax rate = Federal payroll tax liability
- Gross income adjusted
- Calculate your total New Jersey state income tax
- New Jersey state taxable income
Gross income adjusted − (New Jersey state itemized deductions + New Jersey state exemptions) = New Jersey state taxable income - New Jersey state income tax liability
New Jersey state taxable income × New Jersey state income tax rate = New Jersey state income tax liability - New Jersey state payroll tax liability
Gross income × New Jersey state payroll tax rate = New Jersey state payroll tax liability
- New Jersey state taxable income
- Figure out your net pay
You need to account for any other deductions such as health insurance, 401(k) contribution, as well as additional withholdings.
Gross income − (Total income tax liability + Total payroll tax liability + Total pre-tax deductions + Total post-tax deductions + Total withholdings) = Your net pay - Divide your net pay by your pay frequency
- Daily
Your net pay / Days worked per week / Weeks worked per year = Your daily paycheck - Weekly
Your net pay / 52 = Your weekly paycheck - Bi-weekly
Your net pay / 26 = Your bi-weekly paycheck - Semi-monthly
Your net pay / 24 = Your semi-monthly paycheck - Monthly
Your net pay / 12 = Your monthly paycheck - Quarterly
Your net pay / 4 = Your quarterly paycheck - Semi-annual
Your net pay / 2 = Your semi-annual paycheck - Annual
Your net pay = Your annual paycheck
- Daily
State payroll tax
| Tax year | Tax name | Percent of taxable wage | Up to taxable wage | Comment |
|---|---|---|---|---|
| 2024 | State Unemployment Insurance (SUI) | 0.425% | $42,300 | |
| Paid Family and Medical Leave (PFML) | 0.06% | $161,400 | ||
| 2023 | State Unemployment Insurance (SUI) | 0.425% | $41,100 | |
| Paid Family and Medical Leave (PFML) | 0.06% | $156,800 | ||
| 2022 | State Unemployment Insurance (SUI) | 0.425% | $39,800 | |
| Paid Family and Medical Leave (PFML) | 0.28% for calendar year 2021 0.14% for calendar year 2022 |
$151,900 | ||
| 2021 | State Unemployment Insurance (SUI) | 0.425% | $36,200 | |
| Paid Family and Medical Leave (PFML) | 0.16% for calendar year 2020 0.28% for calendar year 2021 |
$138,200 | ||
| 2020 | State Unemployment Insurance (SUI) | 0.425% | 2019 taxable wage base up to $34,400 2020 taxable wage base up to $35,300 |
|
| Paid Family and Medical Leave (PFML) | 0.08% for calendar year 2019 0.16% for calendar year 2020 |
Maximum contribution is $215.84 |
State income tax brackets
Each filer type has different progressive tax rates. Refer to Tax Foundation for more details.
| Tax year | Filing status | Taxable income | Rate |
|---|---|---|---|
| 2024 2023 2022 2021 2020 |
Single Married, Filing Separately |
$0 – $20,000 | 1.40% |
| $20,000 – $35,000 | 1.75% | ||
| $35,000 – $40,000 | 3.50% | ||
| $40,000 – $75,000 | 5.525% | ||
| $75,000 – $500,000 | 6.37% | ||
| $500,000 - $1,000,000 | 8.97% | ||
| $1,000,000+ | 10.75% | ||
| Married, Filing Jointly or Widow(er) Head of Household |
$0 – $20,000 | 1.40% | |
| $20,000 – $50,000 | 1.75% | ||
| $50,000 – $70,000 | 2.45% | ||
| $70,000 – $80,000 | 3.50% | ||
| $80,000 – $150,000 | 5.525% | ||
| $150,000 – $500,000 | 6.37% | ||
| $500,000 – $5,000,000 | 8.97% | ||
| $5,000,000+ | 10.75% |
State exemptions
There are state-level exemptions for all types of filers and dependents. Refer to Tax Foundation for more details.
| Tax year | Filing status | Personal exemption amount |
|---|---|---|
| 2024 2023 2022 2021 2020 |
Single Married, Filing Separately Head of Household |
$1,000 |
| Married, Filing Jointly or Widow(er) | $2,000 | |
| Dependent(s) | $1,500 |
FAQs
How to calculate take home pay in New Jersey?
Follow the steps below to work out your take-home pay:
- Determine your gross income
- Work out your total federal income tax
- Calculate your total New Jersey state income tax
- Gross income minus taxes, deductions and withholdings
- Divide your net pay by your pay frequency
How much will New Jersey tax paychecks in 2024?
State income tax in New Jersey ranges from 1.4% to 10.75%. There are also State Unemployment Insurance (SUI) and Paid Family and Medical Leave (PFML) payroll taxes.
How much is taken out of my paycheck in New Jersey?
In New Jersey, your paycheck deductions typically consist of federal income tax, state income tax, Social Security, Medicare and state payroll taxes. The final amount taken out of your paycheck might be affected by insurance premiums and retirement contributions.
What percentage of my paycheck goes to taxes in New Jersey?
The taxes on your paycheck include
- federal income tax (10% to 37%)
- state income tax (1.4% to 10.75%)
- Social Security (6.2%)
- Medicare (1.45% to 2.35%)
- State Unemployment Insurance (0.425%)
- Paid Family and Medical Leave (0.06%)