Single
Married Filing Jointly
Head of Household
Married Filing Separately
Deductions
Payroll Summary per Period
Enter your details and click "Calculate Net Pay" to see your estimated take-home pay.
Understanding Your New Jersey Paycheck: A Comprehensive Guide
Navigating your paycheck can sometimes feel like deciphering a complex code. For employees in New Jersey, understanding the various deductions, from federal and state taxes to specific NJ contributions, is crucial for financial planning. Our New Jersey Payroll Calculator is designed to provide an estimated breakdown of your gross pay to net pay, helping you understand where your money goes.
What is a Payroll Calculator?
A payroll calculator is a tool that estimates your net pay (take-home pay) by subtracting various taxes and deductions from your gross pay (total earnings before deductions). It takes into account factors like your gross wages, pay frequency, filing status, allowances, and any pre-tax or post-tax deductions.
Key Components of Your New Jersey Paycheck
1. Gross Pay
This is your total earnings before any taxes or deductions are taken out. It includes your regular wages, overtime, bonuses, and commissions.
2. Federal Taxes
Federal Income Tax: This is a progressive tax levied by the U.S. government. The amount withheld depends on your gross pay, filing status (Single, Married Filing Jointly, etc.), and the number of allowances you claim on your W-4 form. More allowances generally mean less tax withheld.
Social Security Tax (OASDI): This is part of the Federal Insurance Contributions Act (FICA). Employees contribute 6.2% of their gross wages up to an annual wage base limit ($168,600 for 2024). This funds retirement, disability, and survivor benefits.
Medicare Tax (HI): Also part of FICA, employees contribute 1.45% of all gross wages, with no wage base limit. There's an additional 0.9% Medicare tax for high earners (over $200,000 for single filers, $250,000 for married filing jointly). Our calculator simplifies this and does not include the additional Medicare tax.
3. New Jersey State Taxes
New Jersey State Income Tax: NJ has its own progressive income tax system. The amount withheld depends on your gross pay, NJ filing status, and the number of NJ allowances claimed.
New Jersey Unemployment Insurance (UI): Employees contribute a small percentage of their wages to fund unemployment benefits. For 2024, the employee contribution rate is 0.0425% on wages up to the annual wage base limit ($42,300).
New Jersey Temporary Disability Insurance (TDI): This provides benefits to workers who are unable to work due to a non-work-related illness or injury. For 2024, the employee contribution rate is 0.06% on wages up to the annual wage base limit ($42,300).
New Jersey Family Leave Insurance (FLI): This provides benefits for employees taking time off to care for a new child or a seriously ill family member. For 2024, the employee contribution rate is 0.09% on wages up to the annual wage base limit ($42,300).
4. Deductions
Pre-tax Deductions: These are deductions taken from your gross pay before taxes are calculated. Common examples include contributions to a 401(k) or 403(b) retirement plan, health insurance premiums, and Flexible Spending Accounts (FSAs). Pre-tax deductions reduce your taxable income, lowering your federal and state income tax liability.
Post-tax Deductions: These are deductions taken from your pay after all applicable taxes have been calculated and withheld. Examples include Roth 401(k) contributions, garnishments, union dues, or certain charitable contributions.
How to Use the Calculator
Gross Pay per Period: Enter your total earnings for one pay period.
Pay Frequency: Select how often you get paid (e.g., weekly, bi-weekly).
Federal Filing Status & Allowances: Choose your federal filing status and the number of allowances you claim on your W-4.
NJ Filing Status & Allowances: Choose your New Jersey filing status and the number of allowances you claim.
Pre-tax Deductions: Enter any pre-tax deductions per pay period (e.g., 401k, health insurance).
Post-tax Deductions: Enter any post-tax deductions per pay period (e.g., Roth 401k, garnishments).
Click "Calculate Net Pay" to see a detailed breakdown of your estimated take-home pay.
Example Calculation
Let's consider an example:
Gross Pay per Period: $2,000 (Bi-Weekly)
Federal Filing Status: Single, 2 Allowances
NJ Filing Status: Single, 2 Allowances
Pre-tax Deductions: $100 per period (e.g., 401k)
Post-tax Deductions: $50 per period (e.g., Roth IRA)
Based on these inputs, the calculator will estimate your federal income tax, FICA taxes, NJ state income tax, and NJ UI/TDI/FLI contributions, ultimately providing your estimated net pay.
Disclaimer
This New Jersey Payroll Calculator provides an estimate for informational purposes only. Tax laws and rates can change, and individual circumstances vary. It does not account for all possible deductions, credits, or specific employer benefits. For precise payroll calculations or tax advice, please consult with a qualified tax professional or your employer's payroll department.
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function calculatePayroll() {
var grossPay = parseFloat(document.getElementById("grossPay").value);
var payFrequency = document.getElementById("payFrequency").value;
var federalFilingStatus = document.getElementById("federalFilingStatus").value;
var federalAllowances = parseInt(document.getElementById("federalAllowances").value);
var njFilingStatus = document.getElementById("njFilingStatus").value;
var njAllowances = parseInt(document.getElementById("njAllowances").value);
var preTaxDeductions = parseFloat(document.getElementById("preTaxDeductions").value);
var postTaxDeductions = parseFloat(document.getElementById("postTaxDeductions").value);
if (isNaN(grossPay) || grossPay < 0) {
alert("Please enter a valid Gross Pay per Period.");
return;
}
if (isNaN(federalAllowances) || federalAllowances < 0) {
alert("Please enter a valid number for Federal Allowances.");
return;
}
if (isNaN(njAllowances) || njAllowances < 0) {
alert("Please enter a valid number for NJ Allowances.");
return;
}
if (isNaN(preTaxDeductions) || preTaxDeductions < 0) {
alert("Please enter a valid amount for Pre-tax Deductions.");
return;
}
if (isNaN(postTaxDeductions) || postTaxDeductions 0) {
if (federalFilingStatus === "single") {
if (federalTaxableIncome <= 11600) {
annualFederalIncomeTax = federalTaxableIncome * 0.10;
} else if (federalTaxableIncome <= 47150) {
annualFederalIncomeTax = (11600 * 0.10) + ((federalTaxableIncome – 11600) * 0.12);
} else if (federalTaxableIncome <= 100525) {
annualFederalIncomeTax = (11600 * 0.10) + (35550 * 0.12) + ((federalTaxableIncome – 47150) * 0.22);
} else { // Simplified, cap at 24% bracket for this calculator
annualFederalIncomeTax = (11600 * 0.10) + (35550 * 0.12) + (53375 * 0.22) + ((federalTaxableIncome – 100525) * 0.24);
}
} else { // Married Filing Jointly
if (federalTaxableIncome <= 23200) {
annualFederalIncomeTax = federalTaxableIncome * 0.10;
} else if (federalTaxableIncome <= 94300) {
annualFederalIncomeTax = (23200 * 0.10) + ((federalTaxableIncome – 23200) * 0.12);
} else if (federalTaxableIncome 0) {
if (njTaxableIncome <= 20000) {
annualNJStateTax = njTaxableIncome * 0.014;
} else if (njTaxableIncome <= 35000) {
annualNJStateTax = (20000 * 0.014) + ((njTaxableIncome – 20000) * 0.0175);
} else if (njTaxableIncome <= 40000) {
annualNJStateTax = (20000 * 0.014) + (15000 * 0.0175) + ((njTaxableIncome – 35000) * 0.035);
} else if (njTaxableIncome <= 75000) {
annualNJStateTax = (20000 * 0.014) + (15000 * 0.0175) + (5000 * 0.035) + ((njTaxableIncome – 40000) * 0.05525);
} else if (njTaxableIncome <= 150000) {
annualNJStateTax = (20000 * 0.014) + (15000 * 0.0175) + (5000 * 0.035) + (35000 * 0.05525) + ((njTaxableIncome – 75000) * 0.0637);
} else { // Simplified, cap at 8.97% bracket for this calculator
annualNJStateTax = (20000 * 0.014) + (15000 * 0.0175) + (5000 * 0.035) + (35000 * 0.05525) + (75000 * 0.0637) + ((njTaxableIncome – 150000) * 0.0897);
}
}
// — NJ UI, TDI, FLI (2024 Rates) —
var njWageBase = 42300; // 2024
var njUITaxable = Math.min(annualGrossPay, njWageBase);
var njTDITaxable = Math.min(annualGrossPay, njWageBase);
var njFLITaxable = Math.min(annualGrossPay, njWageBase);
var njUIRate = 0.000425; // 0.0425%
var njTDIRate = 0.0006; // 0.06%
var njFLIRate = 0.0009; // 0.09%
var annualNJUITax = njUITaxable * njUIRate;
var annualNJTDITax = njTDITaxable * njTDIRate;
var annualNJFLITax = njFLITaxable * njFLIRate;
// — Total Annual Taxes and Deductions —
var totalAnnualTaxes = annualSocialSecurityTax + annualMedicareTax + annualFederalIncomeTax + annualNJStateTax + annualNJUITax + annualNJTDITax + annualNJFLITax;
var totalAnnualDeductions = annualPreTaxDeductions + (postTaxDeductions * annualizationFactor);
var annualNetPay = annualGrossPay – totalAnnualTaxes – (postTaxDeductions * annualizationFactor);
// — Per Period Calculations —
var socialSecurityTaxPerPeriod = annualSocialSecurityTax / annualizationFactor;
var medicareTaxPerPeriod = annualMedicareTax / annualizationFactor;
var federalIncomeTaxPerPeriod = annualFederalIncomeTax / annualizationFactor;
var njStateTaxPerPeriod = annualNJStateTax / annualizationFactor;
var njUITaxPerPeriod = annualNJUITax / annualizationFactor;
var njTDITaxPerPeriod = annualNJTDITax / annualizationFactor;
var njFLITaxPerPeriod = annualNJFLITax / annualizationFactor;
var totalTaxesPerPeriod = socialSecurityTaxPerPeriod + medicareTaxPerPeriod + federalIncomeTaxPerPeriod + njStateTaxPerPeriod + njUITaxPerPeriod + njTDITaxPerPeriod + njFLITaxPerPeriod;
var totalDeductionsPerPeriod = preTaxDeductions + postTaxDeductions;
var netPayPerPeriod = grossPay – totalTaxesPerPeriod – preTaxDeductions – postTaxDeductions;
var resultDiv = document.getElementById("payrollResult");
resultDiv.innerHTML = `
Gross Pay: $${grossPay.toFixed(2)}
Pre-tax Deductions: $${preTaxDeductions.toFixed(2)}
Federal Income Tax: $${federalIncomeTaxPerPeriod.toFixed(2)}
Social Security Tax: $${socialSecurityTaxPerPeriod.toFixed(2)}
Medicare Tax: $${medicareTaxPerPeriod.toFixed(2)}
NJ State Income Tax: $${njStateTaxPerPeriod.toFixed(2)}
NJ Unemployment Insurance (UI): $${njUITaxPerPeriod.toFixed(2)}
NJ Temporary Disability Insurance (TDI): $${njTDITaxPerPeriod.toFixed(2)}
NJ Family Leave Insurance (FLI): $${njFLITaxPerPeriod.toFixed(2)}
Total Taxes: $${totalTaxesPerPeriod.toFixed(2)}
Post-tax Deductions: $${postTaxDeductions.toFixed(2)}
Estimated Net Pay:$${netPayPerPeriod.toFixed(2)}Note: This is an estimate based on simplified tax calculations for 2024 and does not account for all possible scenarios or specific tax credits.
`;
}