Estimate your Garden State take-home pay after Federal and NJ state taxes.
Weekly
Bi-weekly (Every 2 weeks)
Semi-monthly (Twice a month)
Monthly
Single
Married Filing Jointly
Head of Household
Gross Pay (per period):
Federal Income Tax:
Social Security (6.2%):
Medicare (1.45%):
NJ State Income Tax:
NJ UI / WF / HC & FLI:
Net Take-Home Pay:
Understanding Your New Jersey Paycheck
Working in New Jersey means navigating one of the most complex state tax systems in the United States. Your "gross pay" is the amount you earn before any deductions, but your "net pay" or take-home pay is what actually hits your bank account. This NJ Pay Calculator helps you estimate those deductions.
New Jersey State Income Tax (SIT)
New Jersey uses a progressive tax bracket system. For 2024, rates range from 1.4% on the first $20,000 of taxable income to as high as 10.75% for income over $1,000,000. Unlike states with a flat tax, NJ residents pay different rates on different portions of their income.
NJ Statutory Deductions: SDI, FLI, and UI
Unique to New Jersey are specific employee-paid taxes that fund state programs:
NJ UI/WF/HC: Unemployment Insurance, Workforce Development, and Health Care Subsidy. For 2024, the rate is 0.425% on the first $161,400 of wages.
NJ FLI: Family Leave Insurance. This provides paid leave to care for family members. The 2024 rate is 0.09%.
NJ SDI: State Disability Insurance. Interestingly, for 2024, the employee contribution rate for SDI has been set to 0.00%.
Federal Taxes and FICA
Regardless of the state, all W-2 employees must pay Federal Insurance Contributions Act (FICA) taxes. This consists of 6.2% for Social Security (up to the annual wage base limit) and 1.45% for Medicare. Federal Income Tax is withheld based on your filing status and the information provided on your Form W-4.
Example Calculation
If you earn $80,000 annually in NJ as a single filer:
Gross Monthly: $6,666.67
FICA (7.65%): ~$510.00
Federal Tax (Est): ~$850.00
NJ SIT (Est): ~$240.00
NJ FLI/UI: ~$34.00
Estimated Take-Home: ~$5,032.67
function calculateNJPay() {
var grossAnnual = parseFloat(document.getElementById('nj_gross_pay').value);
var frequency = parseFloat(document.getElementById('nj_pay_period').value);
var status = document.getElementById('nj_filing_status').value;
if (isNaN(grossAnnual) || grossAnnual <= 0) {
alert("Please enter a valid salary amount.");
return;
}
var grossPerPeriod = grossAnnual / frequency;
// Federal Income Tax Estimation (Simplified 2024 Brackets for demonstration)
var fedRate = 0;
if (status === 'single') {
if (grossAnnual < 11600) fedRate = 0.10;
else if (grossAnnual < 47150) fedRate = 0.12;
else if (grossAnnual < 100525) fedRate = 0.22;
else fedRate = 0.24;
} else {
if (grossAnnual < 23200) fedRate = 0.10;
else if (grossAnnual < 94300) fedRate = 0.12;
else fedRate = 0.22;
}
var federalTax = (grossAnnual * fedRate) / frequency;
// FICA
var socialSecurity = (grossAnnual <= 168600) ? (grossAnnual * 0.062) / frequency : (168600 * 0.062) / frequency;
var medicare = (grossAnnual * 0.0145) / frequency;
// NJ State Income Tax (Progressive Approximation)
var njSitAnnual = 0;
if (grossAnnual <= 20000) {
njSitAnnual = grossAnnual * 0.014;
} else if (grossAnnual <= 35000) {
njSitAnnual = 280 + (grossAnnual – 20000) * 0.0175;
} else if (grossAnnual <= 40000) {
njSitAnnual = 542.50 + (grossAnnual – 35000) * 0.035;
} else if (grossAnnual <= 75000) {
njSitAnnual = 717.50 + (grossAnnual – 40000) * 0.05525;
} else if (grossAnnual <= 500000) {
njSitAnnual = 2651.25 + (grossAnnual – 75000) * 0.0637;
} else {
njSitAnnual = 29753.75 + (grossAnnual – 500000) * 0.0897;
}
var njSit = njSitAnnual / frequency;
// NJ Other Taxes (UI/HC/WF = 0.425%, FLI = 0.09%)
// Wage base cap for 2024 is $161,400
var applicableWage = Math.min(grossAnnual, 161400);
var njOtherAnnual = (applicableWage * 0.00425) + (applicableWage * 0.0009);
var njOther = njOtherAnnual / frequency;
// Net Pay
var totalDeductions = federalTax + socialSecurity + medicare + njSit + njOther;
var netPay = grossPerPeriod – totalDeductions;
// UI Updates
document.getElementById('nj_results_box').style.display = 'block';
document.getElementById('res_gross').innerText = '$' + grossPerPeriod.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res_fed_tax').innerText = '- $' + federalTax.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res_soc_sec').innerText = '- $' + socialSecurity.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res_medicare').innerText = '- $' + medicare.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res_nj_sit').innerText = '- $' + njSit.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res_nj_other').innerText = '- $' + njOther.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res_net_pay').innerText = '$' + netPay.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
}