Calculate your take-home pay after Federal and NJ state taxes
Weekly
Bi-weekly
Semi-monthly
Monthly
Annual
Single
Married Filing Jointly
Head of Household
Estimated Paycheck Breakdown
Gross Pay
$0.00
Federal Income Tax
$0.00
Social Security (6.2%)
$0.00
Medicare (1.45%)
$0.00
NJ State Income Tax
$0.00
NJ FLI & WF Funds
$0.00
Net Take-Home Pay
$0.00
Understanding Your New Jersey Paycheck
New Jersey has one of the more complex progressive income tax structures in the United States. When you receive your paycheck in the Garden State, several local and federal entities take a portion of your earnings before the money hits your bank account.
1. New Jersey State Income Tax Brackets
New Jersey uses a progressive tax system with rates ranging from 1.4% to 10.75%. Unlike some states that follow federal guidelines, NJ has its own specific brackets. For example, individuals earning over $1,000,000 are subject to the "millionaire's tax" rate of 10.75%.
2. NJ Specific Payroll Deductions
In addition to standard income tax, New Jersey employees contribute to specific state insurance programs:
Family Leave Insurance (FLI): For 2024, the rate is 0.09% of the first $161,400 of wages.
Workforce Development (WF): A small percentage (0.0425%) is deducted for state training and development initiatives.
State Disability Insurance (SDI): While frequently a deduction, the 2024 employee contribution rate for SDI is 0.00%.
3. Federal Taxes and FICA
Regardless of which NJ city you work in (from Jersey City to Cherry Hill), federal obligations remain constant. You will see 6.2% deducted for Social Security (up to the annual wage cap) and 1.45% for Medicare. Federal income tax withholding is determined by your filing status and the information provided on your W-4 form.
Example Calculation
If an individual in New Jersey earns a gross annual salary of $75,000 and files as Single:
Federal Tax: Approximately $8,200 (estimated after standard deduction).
FICA (SS + Medicare): $5,737.
NJ State Tax: Approximately $2,600.
NJ FLI/WF: Approximately $99.
Net Annual Pay: ~$58,364 (roughly $2,244 bi-weekly).
function calculateNJPaycheck() {
var grossInput = parseFloat(document.getElementById('nj_gross_pay').value);
var frequency = parseFloat(document.getElementById('nj_frequency').value);
var status = document.getElementById('nj_status').value;
var allowances = parseInt(document.getElementById('nj_allowances').value) || 0;
if (isNaN(grossInput) || grossInput 0) {
if (fedTaxable <= 11600) fedTax = fedTaxable * 0.10;
else if (fedTaxable <= 47150) fedTax = 1160 + (fedTaxable – 11600) * 0.12;
else if (fedTaxable <= 100525) fedTax = 5426 + (fedTaxable – 47150) * 0.22;
else if (fedTaxable <= 191950) fedTax = 17168 + (fedTaxable – 100525) * 0.24;
else if (fedTaxable <= 243725) fedTax = 39110 + (fedTaxable – 191950) * 0.32;
else if (fedTaxable <= 609350) fedTax = 55678 + (fedTaxable – 243725) * 0.35;
else fedTax = 183647 + (fedTaxable – 609350) * 0.37;
}
// 2. FICA Taxes
var ssTax = Math.min(annualGross, 168600) * 0.062;
var medTax = annualGross * 0.0145;
// 3. New Jersey State Income Tax (2024 Brackets – Single/Head of Household)
var njTax = 0;
var income = annualGross;
if (status === 'married') {
// NJ Married Brackets
if (income <= 20000) njTax = income * 0.014;
else if (income <= 50000) njTax = 280 + (income – 20000) * 0.0175;
else if (income <= 70000) njTax = 805 + (income – 50000) * 0.0245;
else if (income <= 80000) njTax = 1295 + (income – 70000) * 0.035;
else if (income <= 150000) njTax = 1645 + (income – 80000) * 0.05525;
else if (income <= 500000) njTax = 5512 + (income – 150000) * 0.0637;
else if (income <= 1000000) njTax = 27807 + (income – 500000) * 0.0897;
else njTax = 72657 + (income – 1000000) * 0.1075;
} else {
// NJ Single/Head of Household Brackets
if (income <= 20000) njTax = income * 0.014;
else if (income <= 35000) njTax = 280 + (income – 20000) * 0.0175;
else if (income <= 40000) njTax = 542 + (income – 35000) * 0.035;
else if (income <= 75000) njTax = 717 + (income – 40000) * 0.05525;
else if (income <= 500000) njTax = 2651 + (income – 75000) * 0.0637;
else if (income <= 1000000) njTax = 29723 + (income – 500000) * 0.0897;
else njTax = 74573 + (income – 1000000) * 0.1075;
}
// 4. NJ Additional Deductions (FLI and WF)
var fliTax = Math.min(annualGross, 161400) * 0.0009;
var wfTax = Math.min(annualGross, 42300) * 0.000425;
var njOther = fliTax + wfTax;
// Convert back to period amounts
var divisor = (frequency === 1) ? 1 : frequency;
var periodGross = annualGross / divisor;
var periodFed = fedTax / divisor;
var periodSS = ssTax / divisor;
var periodMed = medTax / divisor;
var periodNJ = njTax / divisor;
var periodOther = njOther / divisor;
var periodNet = periodGross – periodFed – periodSS – periodMed – periodNJ – periodOther;
// Display results
document.getElementById('res_gross').innerText = "$" + periodGross.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res_fed_tax').innerText = "-$" + periodFed.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res_ss').innerText = "-$" + periodSS.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res_med').innerText = "-$" + periodMed.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res_nj_tax').innerText = "-$" + periodNJ.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res_nj_other').innerText = "-$" + periodOther.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res_net').innerText = "$" + periodNet.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('nj_results_box').style.display = 'block';
}