New Jersey Paycheck Calculator
Estimate your net pay in New Jersey, factoring in federal and state taxes, and common deductions. This calculator provides an estimate and should not be considered tax advice.
Paycheck Summary
Gross Pay: $0.00
Total Pre-tax Deductions: $0.00
Taxable Gross Pay: $0.00
Taxes Withheld:
- Federal Income Tax: $0.00
- Social Security & Medicare (FICA): $0.00
- NJ State Income Tax: $0.00
- NJ SDI, FLI, UI: $0.00
Total Taxes: $0.00
Total Post-tax Deductions: $0.00
Total Deductions (Taxes + All Deductions): $0.00
Net Pay: $0.00
function calculatePaycheck() {
// Input values
var grossPay = parseFloat(document.getElementById("grossPay").value);
var payPeriodsPerYear = parseInt(document.getElementById("payFrequency").value);
var fedFilingStatus = document.getElementById("fedFilingStatus").value;
var fedAllowances = parseInt(document.getElementById("fedAllowances").value);
var njFilingStatus = document.getElementById("njFilingStatus").value; // Not directly used in NJ tax brackets, but good to capture
var njAllowances = parseInt(document.getElementById("njAllowances").value);
var preTaxDeductions = parseFloat(document.getElementById("preTaxDeductions").value);
var postTaxDeductions = parseFloat(document.getElementById("postTaxDeductions").value);
// Validate inputs
if (isNaN(grossPay) || grossPay < 0) { grossPay = 0; }
if (isNaN(fedAllowances) || fedAllowances < 0) { fedAllowances = 0; }
if (isNaN(njAllowances) || njAllowances < 0) { njAllowances = 0; }
if (isNaN(preTaxDeductions) || preTaxDeductions < 0) { preTaxDeductions = 0; }
if (isNaN(postTaxDeductions) || postTaxDeductions < 0) { postTaxDeductions = 0; }
// Annualize values
var annualGrossPay = grossPay * payPeriodsPerYear;
var annualPreTaxDeductions = preTaxDeductions * payPeriodsPerYear;
// Taxable Gross Pay (for federal and state income tax)
var taxableGrossPay = grossPay – preTaxDeductions;
var annualTaxableGrossPay = annualGrossPay – annualPreTaxDeductions;
if (taxableGrossPay < 0) { taxableGrossPay = 0; }
if (annualTaxableGrossPay < 0) { annualTaxableGrossPay = 0; }
// — FICA Taxes (Social Security & Medicare) —
var socialSecurityRate = 0.062;
var socialSecurityLimit = 168600; // 2024 limit
var medicareRate = 0.0145;
var annualSocialSecurityWages = Math.min(annualGrossPay, socialSecurityLimit);
var annualSocialSecurityTax = annualSocialSecurityWages * socialSecurityRate;
var socialSecurityTax = annualSocialSecurityTax / payPeriodsPerYear;
var annualMedicareTax = annualGrossPay * medicareRate;
var medicareTax = annualMedicareTax / payPeriodsPerYear;
var ficaTax = socialSecurityTax + medicareTax;
// — NJ State Employee Contributions (SDI, FLI, UI) —
var njSdiFliUiRate = 0.002225; // 0.09% SDI + 0.09% FLI + 0.0425% UI = 0.2225%
var njSdiFliUiLimit = 42300; // 2024 limit
var annualNjSdiFliUiWages = Math.min(annualGrossPay, njSdiFliUiLimit);
var annualNjSdiFliUiTax = annualNjSdiFliUiWages * njSdiFliUiRate;
var njSdiFliUiTax = annualNjSdiFliUiTax / payPeriodsPerYear;
// — Federal Income Tax (FIT) – Simplified Approximation for 2024 —
var fedStandardDeduction;
var fedAllowanceValue = 4700; // Approximate value for one allowance for withholding purposes (not a true deduction)
if (fedFilingStatus === "single") {
fedStandardDeduction = 14600; // 2024 Single Standard Deduction
} else { // married
fedStandardDeduction = 29200; // 2024 Married Filing Jointly Standard Deduction
}
var annualIncomeSubjectToFedTax = annualTaxableGrossPay – fedStandardDeduction – (fedAllowances * fedAllowanceValue);
if (annualIncomeSubjectToFedTax < 0) { annualIncomeSubjectToFedTax = 0; }
var fedTax = 0;
if (fedFilingStatus === "single") {
if (annualIncomeSubjectToFedTax <= 11600) {
fedTax = annualIncomeSubjectToFedTax * 0.10;
} else if (annualIncomeSubjectToFedTax <= 47150) {
fedTax = (11600 * 0.10) + ((annualIncomeSubjectToFedTax – 11600) * 0.12);
} else if (annualIncomeSubjectToFedTax <= 100525) {
fedTax = (11600 * 0.10) + (35550 * 0.12) + ((annualIncomeSubjectToFedTax – 47150) * 0.22);
} else if (annualIncomeSubjectToFedTax <= 191950) {
fedTax = (11600 * 0.10) + (35550 * 0.12) + (53375 * 0.22) + ((annualIncomeSubjectToFedTax – 100525) * 0.24);
} else if (annualIncomeSubjectToFedTax <= 243725) {
fedTax = (11600 * 0.10) + (35550 * 0.12) + (53375 * 0.22) + (91425 * 0.24) + ((annualIncomeSubjectToFedTax – 191950) * 0.32);
} else if (annualIncomeSubjectToFedTax <= 609350) {
fedTax = (11600 * 0.10) + (35550 * 0.12) + (53375 * 0.22) + (91425 * 0.24) + (51775 * 0.32) + ((annualIncomeSubjectToFedTax – 243725) * 0.35);
} else {
fedTax = (11600 * 0.10) + (35550 * 0.12) + (53375 * 0.22) + (91425 * 0.24) + (51775 * 0.32) + (365625 * 0.35) + ((annualIncomeSubjectToFedTax – 609350) * 0.37);
}
} else { // Married Filing Jointly
if (annualIncomeSubjectToFedTax <= 23200) {
fedTax = annualIncomeSubjectToFedTax * 0.10;
} else if (annualIncomeSubjectToFedTax <= 94300) {
fedTax = (23200 * 0.10) + ((annualIncomeSubjectToFedTax – 23200) * 0.12);
} else if (annualIncomeSubjectToFedTax <= 201050) {
fedTax = (23200 * 0.10) + (71100 * 0.12) + ((annualIncomeSubjectToFedTax – 94300) * 0.22);
} else if (annualIncomeSubjectToFedTax <= 383900) {
fedTax = (23200 * 0.10) + (71100 * 0.12) + (106750 * 0.22) + ((annualIncomeSubjectToFedTax – 201050) * 0.24);
} else if (annualIncomeSubjectToFedTax <= 487450) {
fedTax = (23200 * 0.10) + (71100 * 0.12) + (106750 * 0.22) + (182850 * 0.24) + ((annualIncomeSubjectToFedTax – 383900) * 0.32);
} else if (annualIncomeSubjectToFedTax <= 731200) {
fedTax = (23200 * 0.10) + (71100 * 0.12) + (106750 * 0.22) + (182850 * 0.24) + (103550 * 0.32) + ((annualIncomeSubjectToFedTax – 487450) * 0.35);
} else {
fedTax = (23200 * 0.10) + (71100 * 0.12) + (106750 * 0.22) + (182850 * 0.24) + (103550 * 0.32) + (243750 * 0.35) + ((annualIncomeSubjectToFedTax – 731200) * 0.37);
}
}
fedTax = fedTax / payPeriodsPerYear;
if (fedTax < 0) { fedTax = 0; }
// — New Jersey State Income Tax – Simplified Approximation for 2024 —
// NJ uses personal exemptions, not a standard deduction in the same way federal does.
// For simplicity, we'll treat NJ allowances as exemptions reducing taxable income.
var njExemptionValue = 1000; // $1,000 per exemption for 2024
var annualIncomeSubjectToNjTax = annualTaxableGrossPay – (njAllowances * njExemptionValue);
if (annualIncomeSubjectToNjTax < 0) { annualIncomeSubjectToNjTax = 0; }
var njStateTax = 0;
// NJ Tax Brackets (simplified for 2024, same for single/married for these brackets)
if (annualIncomeSubjectToNjTax <= 20000) {
njStateTax = annualIncomeSubjectToNjTax * 0.014;
} else if (annualIncomeSubjectToNjTax <= 35000) {
njStateTax = (20000 * 0.014) + ((annualIncomeSubjectToNjTax – 20000) * 0.0175);
} else if (annualIncomeSubjectToNjTax <= 40000) {
njStateTax = (20000 * 0.014) + (15000 * 0.0175) + ((annualIncomeSubjectToNjTax – 35000) * 0.035);
} else if (annualIncomeSubjectToNjTax <= 75000) {
njStateTax = (20000 * 0.014) + (15000 * 0.0175) + (5000 * 0.035) + ((annualIncomeSubjectToNjTax – 40000) * 0.05525);
} else if (annualIncomeSubjectToNjTax <= 150000) {
njStateTax = (20000 * 0.014) + (15000 * 0.0175) + (5000 * 0.035) + (35000 * 0.05525) + ((annualIncomeSubjectToNjTax – 75000) * 0.0637);
} else if (annualIncomeSubjectToNjTax <= 500000) {
njStateTax = (20000 * 0.014) + (15000 * 0.0175) + (5000 * 0.035) + (35000 * 0.05525) + (75000 * 0.0637) + ((annualIncomeSubjectToNjTax – 150000) * 0.0897);
} else if (annualIncomeSubjectToNjTax <= 1000000) { // Added a bracket for higher income
njStateTax = (20000 * 0.014) + (15000 * 0.0175) + (5000 * 0.035) + (35000 * 0.05525) + (75000 * 0.0637) + (350000 * 0.0897) + ((annualIncomeSubjectToNjTax – 500000) * 0.1075);
} else { // Over $1,000,000
njStateTax = (20000 * 0.014) + (15000 * 0.0175) + (5000 * 0.035) + (35000 * 0.05525) + (75000 * 0.0637) + (350000 * 0.0897) + (500000 * 0.1075) + ((annualIncomeSubjectToNjTax – 1000000) * 0.1075); // NJ top bracket is 10.75%
}
njStateTax = njStateTax / payPeriodsPerYear;
if (njStateTax < 0) { njStateTax = 0; }
// — Calculate Totals —
var totalTaxes = fedTax + ficaTax + njStateTax + njSdiFliUiTax;
var totalDeductions = preTaxDeductions + postTaxDeductions + totalTaxes;
var netPay = grossPay – totalDeductions;
// — Display Results —
document.getElementById("grossPayOutput").innerText = "$" + grossPay.toFixed(2);
document.getElementById("totalPreTaxDeductionsOutput").innerText = "$" + preTaxDeductions.toFixed(2);
document.getElementById("taxableGrossOutput").innerText = "$" + taxableGrossPay.toFixed(2);
document.getElementById("fedTaxOutput").innerText = "$" + fedTax.toFixed(2);
document.getElementById("ficaTaxOutput").innerText = "$" + ficaTax.toFixed(2);
document.getElementById("stateTaxOutput").innerText = "$" + njStateTax.toFixed(2);
document.getElementById("njSdiFliUiOutput").innerText = "$" + njSdiFliUiTax.toFixed(2);
document.getElementById("totalTaxesOutput").innerText = "$" + totalTaxes.toFixed(2);
document.getElementById("totalPostTaxDeductionsOutput").innerText = "$" + postTaxDeductions.toFixed(2);
document.getElementById("totalDeductionsOutput").innerText = "$" + totalDeductions.toFixed(2);
document.getElementById("netPayOutput").innerText = "$" + netPay.toFixed(2);
}
// Run calculation on page load for initial values
window.onload = calculatePaycheck;
.calculator-container {
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
max-width: 700px;
margin: 20px auto;
padding: 25px;
border: 1px solid #e0e0e0;
border-radius: 10px;
background-color: #f9f9f9;
box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
}
.calculator-container h2 {
color: #2c3e50;
text-align: center;
margin-bottom: 20px;
font-size: 1.8em;
}
.calculator-container h3 {
color: #34495e;
margin-top: 25px;
margin-bottom: 15px;
border-bottom: 1px solid #eee;
padding-bottom: 5px;
font-size: 1.3em;
}
.calculator-container p {
color: #555;
line-height: 1.6;
}
.calculator-inputs .input-group {
margin-bottom: 15px;
display: flex;
flex-direction: column;
}
.calculator-inputs label {
margin-bottom: 5px;
font-weight: bold;
color: #333;
font-size: 0.95em;
}
.calculator-inputs input[type="number"],
.calculator-inputs select {
padding: 10px 12px;
border: 1px solid #ccc;
border-radius: 5px;
font-size: 1em;
width: 100%;
box-sizing: border-box;
transition: border-color 0.2s;
}
.calculator-inputs input[type="number"]:focus,
.calculator-inputs select:focus {
border-color: #007bff;
outline: none;
box-shadow: 0 0 0 2px rgba(0, 123, 255, 0.25);
}
.calculator-inputs button {
background-color: #007bff;
color: white;
padding: 12px 20px;
border: none;
border-radius: 5px;
font-size: 1.1em;
cursor: pointer;
transition: background-color 0.3s ease;
width: 100%;
margin-top: 20px;
}
.calculator-inputs button:hover {
background-color: #0056b3;
}
.calculator-results {
margin-top: 30px;
padding-top: 20px;
border-top: 1px solid #e0e0e0;
}
.calculator-results p,
.calculator-results ul {
margin-bottom: 10px;
color: #333;
}
.calculator-results strong {
color: #2c3e50;
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.calculator-results ul {
list-style-type: none;
padding-left: 0;
margin-top: 5px;
}
.calculator-results ul li {
margin-bottom: 5px;
padding-left: 15px;
position: relative;
}
.calculator-results ul li::before {
content: '•';
color: #007bff;
position: absolute;
left: 0;
}
.calculator-results #netPayOutput {
font-size: 1.8em;
font-weight: bold;
color: #28a745;
}
/* Responsive adjustments */
@media (max-width: 768px) {
.calculator-container {
margin: 15px;
padding: 20px;
}
}
Understanding Your New Jersey Paycheck: An ADP Paycheck Calculator Guide
Navigating your paycheck can sometimes feel like deciphering a complex code. For employees in New Jersey, understanding how gross pay transforms into net pay involves a combination of federal taxes, state taxes, and various deductions. This guide, along with our New Jersey Paycheck Calculator, aims to demystify the process, helping you understand each line item.
What is Gross Pay?
Your gross pay is the total amount of money you earn before any taxes or deductions are taken out. This includes your regular wages, salary, commissions, bonuses, and any other compensation you receive from your employer. It's the starting point for all paycheck calculations.
Key Deductions and Taxes Explained
1. Pre-tax Deductions
These are amounts subtracted from your gross pay before federal and state income taxes are calculated. Pre-tax deductions reduce your taxable income, which can lower your overall tax liability. Common examples include:
- 401(k) or 403(b) Contributions: Retirement plan contributions.
- Health, Dental, and Vision Insurance Premiums: Employer-sponsored health benefits.
- Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs): Accounts for healthcare or dependent care expenses.
2. Federal Income Tax (FIT)
This is the tax levied by the U.S. government on your earnings. The amount withheld depends on your gross pay, filing status (e.g., Single, Married Filing Jointly), and the number of allowances/dependents you claim on your W-4 form. More allowances generally mean less tax withheld, but could lead to a larger tax bill at year-end if not adjusted correctly.
3. FICA Taxes (Social Security and Medicare)
The Federal Insurance Contributions Act (FICA) funds Social Security and Medicare, which provide benefits for retirees, the disabled, and healthcare for seniors. These are mandatory deductions:
- Social Security: As of 2024, employees contribute 6.2% of their gross wages up to an annual wage base limit of $168,600.
- Medicare: Employees contribute 1.45% of all gross wages, with no wage base limit. An additional Medicare tax of 0.9% applies to wages over certain thresholds ($200,000 for single filers, $250,000 for married filing jointly). Our calculator provides a simplified estimate.
4. New Jersey State Income Tax
New Jersey imposes its own income tax on residents' earnings. The amount withheld depends on your gross pay, filing status, and the number of exemptions you claim on your NJ W-4 (Form NJ-W4). New Jersey uses a progressive tax system, meaning higher earners pay a higher percentage of their income in taxes.
5. New Jersey State Employee Contributions (SDI, FLI, UI)
New Jersey requires employee contributions to several state programs:
- State Disability Insurance (SDI): Provides temporary benefits to workers who are unable to work due to non-work-related illness or injury.
- Family Leave Insurance (FLI): Provides benefits for workers taking time off to bond with a new child or care for a seriously ill family member.
- Unemployment Insurance (UI): Provides temporary financial assistance to eligible workers who are unemployed through no fault of their own.
As of 2024, these contributions are a small percentage of your wages, up to an annual wage base limit (e.g., $42,300 for 2024 for these programs).
6. Post-tax Deductions
These are amounts subtracted from your pay *after* all taxes have been calculated and withheld. They do not reduce your taxable income. Examples include:
- Roth 401(k) Contributions: Retirement contributions made with after-tax dollars.
- Union Dues: Fees paid to a labor union.
- Garnishments: Court-ordered deductions for debts.
- Charitable Contributions: Deductions for donations to charities.
How Our New Jersey Paycheck Calculator Works
Our calculator takes your gross pay and pay frequency, then applies the relevant federal and New Jersey tax laws (simplified for estimation purposes) and your specified deductions to provide an estimated net pay. It walks you through:
- Gross Pay: Your total earnings before any deductions.
- Pre-tax Deductions: Amounts subtracted before taxes, reducing your taxable income.
- Taxable Gross Pay: The amount of your income subject to federal and state income taxes.
- Federal Income Tax: Estimated based on your filing status and allowances.
- FICA Taxes: Social Security and Medicare contributions.
- NJ State Income Tax: Estimated based on your filing status and exemptions.
- NJ SDI, FLI, UI: Mandatory state employee contributions.
- Post-tax Deductions: Amounts subtracted after taxes.
- Net Pay: Your take-home pay after all deductions and taxes.
Example Calculation (Bi-weekly Pay in NJ)
Let's consider an example for a single individual in New Jersey, paid bi-weekly:
- Gross Pay per Pay Period: $2,000
- Pay Frequency: Bi-weekly (26 pay periods/year)
- Federal Filing Status: Single
- Federal Dependents/Allowances: 1
- NJ Exemptions/Allowances: 1
- Pre-tax Deductions: $100 (e.g., health insurance)
- Post-tax Deductions: $20 (e.g., Roth 401k)
Using the calculator with these inputs, you would see an estimated breakdown similar to this (values are illustrative and may vary slightly based on exact tax tables and limits):
- Gross Pay: $2,000.00
- Total Pre-tax Deductions: $100.00
- Taxable Gross Pay: $1,900.00
- Federal Income Tax: ~$180.00 – $220.00
- FICA (Social Security & Medicare): ~$120.00 – $130.00
- NJ State Income Tax: ~$50.00 – $70.00
- NJ SDI, FLI, UI: ~$4.00 – $5.00
- Total Post-tax Deductions: $20.00
- Estimated Net Pay: ~$1,500.00 – $1,600.00
This example demonstrates how various factors contribute to your final take-home pay. Remember that tax laws and rates can change, so it's always a good idea to consult official IRS and New Jersey Division of Taxation resources or a tax professional for personalized advice.