New Jersey Take-Home Pay Calculator
Calculate your net pay after Garden State taxes and FICA
Gross Annual Salary ($)
Pay Frequency
Weekly (52)
Bi-Weekly (26)
Semi-Monthly (24)
Monthly (12)
Filing Status
Single
Married / Head of Household
Pre-tax Deductions (Per Period)
Calculate Net Pay
Estimated Per Paycheck Take-Home
$0.00
Gross Pay (Per Period)
$0.00
Federal Income Tax
-$0.00
FICA (Social Security + Medicare)
-$0.00
NJ State Income Tax
-$0.00
NJ SDI/FLI/UI/WF
-$0.00
Understanding Your New Jersey Paycheck
Calculating your take-home pay in New Jersey involves more than just federal withholding. The Garden State has a unique set of progressive tax brackets and specific statutory deductions that fund state disability and family leave programs.
New Jersey State Income Tax Brackets (2024)
New Jersey uses a progressive tax system. For single filers, the rates typically range as follows:
1.4% on the first $20,000 of taxable income.
1.75% on income between $20,001 and $35,000.
3.5% on income between $35,001 and $40,000.
5.525% on income between $40,001 and $75,000.
6.37% on income between $75,001 and $500,000.
8.97% on income over $500,000.
NJ Statutory Insurance Deductions
Employees in New Jersey also contribute to state-mandated insurance funds. For 2024, these rates include:
FLI (Family Leave Insurance): 0.09% of the first $161,400 earned.UI/WF/HC (Unemployment/Workforce/Health): 0.425% of the first $42,300 earned.SDI (State Disability Insurance): In 2024, the employee contribution rate is 0.00% as the fund is currently well-capitalized.
Calculation Example
If you earn $80,000 annually in NJ and file as Single:
FICA: Approximately $6,120 (7.65%) is withheld for Social Security and Medicare.Federal Tax: Roughly $9,200 (estimated after standard deduction).NJ State Tax: Approximately $2,870 based on progressive brackets.NJ Statutory: Roughly $325 for UI/WF and FLI.Total Net: Your annual take-home would be approximately $61,485, or $2,364 bi-weekly .
function calculateNJPay() {
var gross = parseFloat(document.getElementById('grossPay').value);
var frequency = parseFloat(document.getElementById('payFrequency').value);
var filingStatus = document.getElementById('filingStatus').value;
var preTax = parseFloat(document.getElementById('preTax').value) || 0;
if (isNaN(gross) || gross 609350) fedTax = 162734 + (taxableGross – 609350) * 0.37;
else if (taxableGross > 243725) fedTax = 47747 + (taxableGross – 243725) * 0.35;
else if (taxableGross > 191950) fedTax = 31179 + (taxableGross – 191950) * 0.32;
else if (taxableGross > 100525) fedTax = 15213 + (taxableGross – 100525) * 0.24;
else if (taxableGross > 47150) fedTax = 5147 + (taxableGross – 47150) * 0.22;
else if (taxableGross > 11600) fedTax = 1160 + (taxableGross – 11600) * 0.12;
else fedTax = taxableGross * 0.10;
} else {
if (taxableGross > 731200) fedTax = 177597 + (taxableGross – 731200) * 0.37;
else if (taxableGross > 487450) fedTax = 92334 + (taxableGross – 487450) * 0.35;
else if (taxableGross > 383900) fedTax = 59198 + (taxableGross – 383900) * 0.32;
else if (taxableGross > 201050) fedTax = 32266 + (taxableGross – 201050) * 0.24;
else if (taxableGross > 94300) fedTax = 10294 + (taxableGross – 94300) * 0.22;
else if (taxableGross > 23200) fedTax = 2320 + (taxableGross – 23200) * 0.12;
else fedTax = taxableGross * 0.10;
}
// FICA (Social Security 6.2% up to 168600, Medicare 1.45% no limit)
var ssTax = Math.min(gross, 168600) * 0.062;
var medTax = gross * 0.0145;
var totalFica = ssTax + medTax;
// NJ State Tax Calculation (2024 Progressive Brackets)
var njTax = 0;
var njTaxable = Math.max(0, gross – (preTax * frequency));
if (filingStatus === 'single') {
if (njTaxable > 1000000) njTax = 65482 + (njTaxable – 1000000) * 0.1075;
else if (njTaxable > 500000) njTax = 20632 + (njTaxable – 500000) * 0.0897;
else if (njTaxable > 75000) njTax = 2871.25 + (njTaxable – 75000) * 0.0637;
else if (njTaxable > 40000) njTax = 935 + (njTaxable – 40000) * 0.05525;
else if (njTaxable > 35000) njTax = 760 + (njTaxable – 35000) * 0.035;
else if (njTaxable > 20000) njTax = 280 + (njTaxable – 20000) * 0.0175;
else njTax = njTaxable * 0.014;
} else {
if (njTaxable > 1000000) njTax = 63887 + (njTaxable – 1000000) * 0.1075;
else if (njTaxable > 500000) njTax = 19037 + (njTaxable – 500000) * 0.0897;
else if (njTaxable > 150000) njTax = 5440 + (njTaxable – 150000) * 0.0637;
else if (njTaxable > 80000) njTax = 2125 + (njTaxable – 80000) * 0.05525;
else if (njTaxable > 70000) njTax = 1775 + (njTaxable – 70000) * 0.035;
else if (njTaxable > 50000) njTax = 1425 + (njTaxable – 50000) * 0.0175;
else njTax = njTaxable * 0.014;
}
// NJ Statutory Insurances
var njUI = Math.min(gross, 42300) * 0.00425;
var njFLI = Math.min(gross, 161400) * 0.0009;
var njStat = njUI + njFLI;
// Per Period Conversions
var periodGross = gross / frequency;
var periodFed = fedTax / frequency;
var periodFica = totalFica / frequency;
var periodNJ = njTax / frequency;
var periodStat = njStat / frequency;
var netPay = periodGross – periodFed – periodFica – periodNJ – periodStat – preTax;
// Formatting
document.getElementById('perPeriodNet').innerText = "$" + netPay.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('periodGross').innerText = "$" + periodGross.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('fedTax').innerText = "-$" + periodFed.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('ficaTax').innerText = "-$" + periodFica.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('njTax').innerText = "-$" + periodNJ.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('njStatutory').innerText = "-$" + periodStat.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resultsArea').style.display = 'block';
}