NJ Paycheck Calculator
:root {
–primary-blue: #004a99;
–success-green: #28a745;
–light-background: #f8f9fa;
–white: #ffffff;
–text-dark: #333;
–border-color: #dee2e6;
}
body {
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
line-height: 1.6;
color: var(–text-dark);
background-color: var(–light-background);
margin: 0;
padding: 20px;
display: flex;
justify-content: center;
align-items: flex-start;
min-height: 100vh;
}
.loan-calc-container {
background-color: var(–white);
padding: 30px;
border-radius: 8px;
box-shadow: 0 4px 15px rgba(0, 0, 0, 0.1);
width: 100%;
max-width: 700px;
box-sizing: border-box;
}
h1, h2 {
color: var(–primary-blue);
text-align: center;
margin-bottom: 25px;
}
.input-group {
margin-bottom: 20px;
display: flex;
flex-direction: column;
}
.input-group label {
display: block;
margin-bottom: 8px;
font-weight: 600;
color: var(–primary-blue);
}
.input-group input[type="number"],
.input-group input[type="text"],
.input-group select {
width: 100%;
padding: 10px;
border: 1px solid var(–border-color);
border-radius: 4px;
box-sizing: border-box;
font-size: 1rem;
}
.input-group input[type="number"]:focus,
.input-group input[type="text"]:focus,
.input-group select:focus {
outline: none;
border-color: var(–primary-blue);
box-shadow: 0 0 0 3px rgba(0, 74, 153, 0.2);
}
button {
width: 100%;
padding: 12px 20px;
background-color: var(–primary-blue);
color: var(–white);
border: none;
border-radius: 4px;
font-size: 1.1rem;
font-weight: 600;
cursor: pointer;
transition: background-color 0.3s ease, transform 0.2s ease;
margin-top: 10px;
}
button:hover {
background-color: #003366;
transform: translateY(-2px);
}
button:active {
transform: translateY(0);
}
#result {
margin-top: 30px;
padding: 20px;
background-color: var(–success-green);
color: var(–white);
border-radius: 4px;
text-align: center;
font-size: 1.8rem;
font-weight: bold;
box-shadow: 0 2px 10px rgba(40, 167, 69, 0.4);
}
#result span {
display: block;
font-size: 1rem;
font-weight: normal;
margin-top: 5px;
}
.explanation {
margin-top: 40px;
padding: 25px;
background-color: var(–white);
border-radius: 8px;
border: 1px solid var(–border-color);
}
.explanation h2 {
margin-bottom: 15px;
text-align: left;
}
.explanation p, .explanation ul {
margin-bottom: 15px;
color: var(–text-dark);
}
.explanation ul {
padding-left: 20px;
}
.explanation li {
margin-bottom: 8px;
}
.explanation strong {
color: var(–primary-blue);
}
@media (max-width: 600px) {
.loan-calc-container {
padding: 20px;
}
h1 {
font-size: 1.8rem;
}
#result {
font-size: 1.5rem;
}
}
function calculateNJPaycheck() {
var grossPay = parseFloat(document.getElementById("grossPay").value);
var payFrequency = document.getElementById("payFrequency").value;
var filingStatus = document.getElementById("filingStatus").value;
var allowances = parseInt(document.getElementById("allowances").value);
var errorMessage = "";
if (isNaN(grossPay) || grossPay < 0) {
errorMessage += "Please enter a valid Gross Pay amount.";
}
if (isNaN(allowances) || allowances < 0) {
errorMessage += "Please enter a valid number of Allowances.";
}
if (errorMessage) {
document.getElementById("result").innerHTML = errorMessage;
document.getElementById("result").style.backgroundColor = "#dc3545";
return;
}
var effectiveAnnualGrossPay;
if (payFrequency === "weekly") {
effectiveAnnualGrossPay = grossPay * 52;
} else if (payFrequency === "biweekly") {
effectiveAnnualGrossPay = grossPay * 26;
} else if (payFrequency === "semimonthly") {
effectiveAnnualGrossPay = grossPay * 24;
} else if (payFrequency === "monthly") {
effectiveAnnualGrossPay = grossPay * 12;
} else {
document.getElementById("result").innerHTML = "Invalid pay frequency selected.";
document.getElementById("result").style.backgroundColor = "#dc3545";
return;
}
// — NJ State Withholding Tax Calculation —
// This is a simplified model based on NJ's progressive tax brackets and
// the allowance system. Actual tax calculation is more complex and
// depends on specific tax tables, other deductions, etc.
// NJ uses a tax table that reduces tax liability based on allowances.
// The tax rate itself is progressive.
var njTaxRate;
var njTaxableIncome = effectiveAnnualGrossPay; // Simplified – actual calculation might adjust this
// NJ State Income Tax Brackets (simplified, subject to change annually)
if (effectiveAnnualGrossPay <= 20000) {
njTaxRate = 0.014;
} else if (effectiveAnnualGrossPay <= 35000) {
njTaxRate = 0.017;
} else if (effectiveAnnualGrossPay <= 40000) {
njTaxRate = 0.0245;
} else if (effectiveAnnualGrossPay <= 50000) {
njTaxRate = 0.030;
} else if (effectiveAnnualGrossPay <= 70000) {
njTaxRate = 0.035;
} else if (effectiveAnnualGrossPay <= 80000) {
njTaxRate = 0.045;
} else if (effectiveAnnualGrossPay <= 100000) {
njTaxRate = 0.0507;
} else if (effectiveAnnualGrossPay <= 150000) {
njTaxRate = 0.0553;
} else if (effectiveAnnualGrossPay <= 175000) {
njTaxRate = 0.0637;
} else if (effectiveAnnualGrossPay <= 200000) {
njTaxRate = 0.0702;
} else if (effectiveAnnualGrossPay <= 250000) {
njTaxRate = 0.0825;
} else if (effectiveAnnualGrossPay <= 500000) {
njTaxRate = 0.0897;
} else {
njTaxRate = 0.1075;
}
// Placeholder for NJ Withholding Adjustment based on allowances and filing status
// In a real calculator, this would involve looking up values from NJ W-4/Withholding tables
// based on filing status, allowances, and gross pay.
// For simplification, we'll use a percentage reduction based on allowances (this is NOT accurate to NJ tables)
var allowanceAdjustmentFactor = 1 – (allowances * 0.01); // Highly simplified factor
if (allowanceAdjustmentFactor < 0) allowanceAdjustmentFactor = 0; // Can't have negative tax
if (filingStatus === "married") allowanceAdjustmentFactor *= 1.5; // Married might get more allowances/credits
var annualNJWithholding = (njTaxableIncome * njTaxRate) * allowanceAdjustmentFactor;
if (annualNJWithholding < 0) annualNJWithholding = 0; // Ensure tax is not negative
// — FICA Taxes (Social Security and Medicare) —
var socialSecurityRate = 0.062; // 6.2%
var medicareRate = 0.0145; // 1.45%
var socialSecurityWageBase = 168600; // For 2024, subject to change
var socialSecurityTaxablePay = Math.min(effectiveAnnualGrossPay, socialSecurityWageBase);
var socialSecurityTax = socialSecurityTaxablePay * socialSecurityRate;
var medicareTax = effectiveAnnualGrossPay * medicareRate; // No wage base limit for Medicare
var totalFicaTax = socialSecurityTax + medicareTax;
// — Calculate Net Pay —
var totalAnnualDeductions = annualNJWithholding + totalFicaTax;
var annualNetPay = effectiveAnnualGrossPay – totalAnnualDeductions;
// Calculate per-pay period net pay
var netPayPerPeriod;
if (payFrequency === "weekly") {
netPayPerPeriod = annualNetPay / 52;
} else if (payFrequency === "biweekly") {
netPayPerPeriod = annualNetPay / 26;
} else if (payFrequency === "semimonthly") {
netPayPerPeriod = annualNetPay / 24;
} else if (payFrequency === "monthly") {
netPayPerPeriod = annualNetPay / 12;
} else {
netPayPerPeriod = 0; // Should not happen if validated
}
// Display results
var resultHtml = "Your Estimated Net Pay Per Period: $" + netPayPerPeriod.toFixed(2) + "";
resultHtml += "Based on annual gross pay of $" + effectiveAnnualGrossPay.toFixed(2) + "";
document.getElementById("result").innerHTML = resultHtml;
document.getElementById("result").style.backgroundColor = "var(–success-green)";
}
New Jersey Paycheck Calculator
Estimate your take-home pay in New Jersey after state income tax and FICA taxes.
Weekly
Bi-weekly (Every 2 weeks)
Semi-monthly (Twice a month)
Monthly
Single
Married
Your estimated net pay will appear here.
Understanding Your NJ Paycheck Calculation
This calculator provides an estimate of your take-home pay in New Jersey. It considers your Gross Pay Per Period, Pay Frequency, NJ Filing Status, and the Number of Allowances you claim on your New Jersey W-4 equivalent form. The primary deductions estimated are New Jersey State Income Tax and FICA taxes (Social Security and Medicare).
Key Components:
Gross Pay: The total amount of money earned before any deductions.
Pay Frequency: How often you receive your salary (e.g., weekly, bi-weekly, monthly). This is used to annualize your gross pay for tax calculations.
NJ Filing Status: Affects tax brackets and credits. 'Single' and 'Married' have different tax tables and standard deductions/allowances.
Allowances: The number of exemptions claimed, which directly reduces the amount of state income tax withheld. More allowances generally mean less tax withheld.
New Jersey State Income Tax: NJ has a progressive income tax system. This means higher earners pay a higher percentage of tax. The withholding is calculated based on your annual income, filing status, and allowances. The specific withholding amount is determined by consulting the New Jersey tax tables provided by the state. Note: This calculator uses a simplified model for state tax withholding.
FICA Taxes: These are federal taxes covering Social Security and Medicare.
Social Security: Currently 6.2% on earnings up to an annual wage base limit ($168,600 for 2024).
Medicare: Currently 1.45% on all earnings.
Net Pay: Your estimated take-home pay after federal FICA taxes and NJ state income tax are deducted.
Disclaimer: This calculator is for estimation purposes only. It does not account for all possible deductions, such as health insurance premiums, retirement contributions (401k, etc.), union dues, or other state-specific credits or withholdings. Your actual paycheck may vary. For precise calculations, consult your employer's payroll department or a qualified tax professional. Tax laws and tables are subject to change.