Paycheck calculator for New Jersey
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 adjusted × Federal payroll tax rate = Federal payroll tax liability
- Gross income adjusted
- Calculate your total New Jersey state income tax
- State taxable income
Gross income adjusted − (State itemized deductions + State exemptions) = State taxable income - State income tax liability
State taxable income × State income tax rate = State income tax liability - State payroll tax liability
Gross income adjusted × State payroll tax rate = State payroll tax liability
- 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 standard deduction
There are no state-level standard deductions.
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
What taxes do New Jerseyites pay?
New Jersey's income tax rate ranges from 1.40% to 10.75%, and there are also two types of payroll taxes. You still need to pay federal income tax on top of this.
How much do you make after taxes in New Jersey?
The take-home pay for a single filer who earns $80,000 per year is $60,890.77.
For a married couple with a combined income of $160,000 per year, the take-home pay is $121,433.14.
How much taxes are deducted from an $80,000 paycheck in New Jersey?
The total taxes deducted for a single filer are $1592.44 monthly or $734.97 bi-weekly.
