New Jersey Paycheck Calculator
Calculate your take-home pay after federal & New Jersey taxes
Updated for 2023 tax year on Mar 15, 2023
Paycheck calculators by state
Paycheck calculator for New Jersey
Overview of New Jersey
New Jersey state has a little under 9 million (2019). It has the highest-density population of any state in the United States. The Garden State had the highest number of millionaires per capita in the United States in 2020. The median household income is $80,088 (2017).
Brief summary:
- the income tax rate ranges from 1.40% to 10.75%
- no local income tax
- subject to three types of payroll taxes
- able to claim exemptions
From Wikipedia
Understanding your New Jersey paycheck
Whether you’re a recent graduate or a seasoned worker, understanding the intricacies of your New Jersey paycheck is crucial to managing your finances. Like in every other state, federal income and FICA taxes (Social Security and Medicare) are withheld from your paycheck/
Your marital status and the number of allowances you claim on your W-4 form directly impact the pre-tax deductions from your paycheck. Common pre-tax deductions include contributions to retirement, health savings, and flexible spending accounts.
New Jersey state income tax rates range from 1.4% to 10.75%. You pay more tax when you earn more. State income taxes are calculated separately from federal income taxes.
If you’re a New Jersey employee, you’ll also notice a state payroll tax deduction on your pay stub. This deduction contributes to the state’s unemployment, disability, and family leave insurance programs.
New Jersey does not offer standard deductions. However, you can claim personal exemptions to help reduce your taxable income. Be sure to explore all available options to maximize your savings.
Lastly, post-tax deductions make their appearance on your pay stub. These include deductions for union dues, charitable contributions, or wage garnishments. It’s essential to review these deductions periodically and ensure their accuracy.
Calculate your New Jersey paycheck
New Jersey tax year starts from July 01 the year before to June 30 the current year. So the tax year 2022 will start from July 01 2021 to June 30 2022.
Calculating your New Jersey state income tax is similar to the steps we listed on our Federal paycheck calculator:
- figure out your filing status
- work out your adjusted gross income [Net income – Adjustments = Adjusted gross income]
- calculate your taxable income [Adjusted gross income – (Itemized deductions + Exemptions) = Taxable income]
- understand your income tax liability [Taxable income × Income tax rate = Income tax liability]
- calculate your payroll tax liability [Net income × Payroll tax rate = Payroll tax liability]
- minus any tax liability, deductions, withholdings [Net income – (Income tax liability + Payroll tax liability + Pre-tax deductions + Post-tax deductions + Withholdings) = Your paycheck]
State payroll tax
| Tax year | Tax name | Percent of taxable wage | Up to taxable wage | Comment |
|---|---|---|---|---|
| 2022 | State Unemployment Insurance (SUI) | 0.425% | $39,800 | |
| State Disability Insurance (SDI) | 0.47% for calendar year 2021 0.14% for calendar year 2022 |
$151,900 | ||
| Paid Family and Medical Leave (PFML) | 0.28% for calendar year 2021 0.14% for calendar year 2022 |
$151,900 | ||
| 2021 | State Unemployment Insurance (SUI) | 0.425% | $36,200 | |
| State Disability Insurance (SDI) | 0.26% for calendar year 2020 0.47% for calendar year 2021 |
$138,200 | ||
| Paid Family and Medical Leave (PFML) | 0.16% for calendar year 2020 0.28% for calendar year 2021 |
$138,200 | ||
| 2020 | State Unemployment Insurance (SUI) | 0.425% | 2019 taxable wage base up to $34,400 2020 taxable wage base up to $35,300 |
|
| State Disability Insurance (SDI) | 0.17% for calendar year 2019 0.26% for calendar year 2020 |
$134,900 | Maximum contribution is $350.74 | |
| Paid Family and Medical Leave (PFML) | 0.08% for calendar year 2019 0.16% for calendar year 2020 |
Maximum contribution is $215.84 |
State income tax brackets
Each filer type has different progressive tax rates. Refer to Tax Foundation for more details.
| Tax year | Filing status | Taxable income | Rate |
|---|---|---|---|
| 2022 2021 2020 |
Single Married, Filing Separately |
$0 – $20,000 | 1.40% |
| $20,000 – $35,000 | 1.75% | ||
| $35,000 – $40,000 | 3.50% | ||
| $40,000 – $75,000 | 5.525% | ||
| $75,000 – $500,000 | 6.37% | ||
| $500,000 – $5,000,000 | 8.97% | ||
| $5,000,000+ | 10.75% | ||
| Married, Filing Jointly or Widow(er) Head of Household |
$0 – $20,000 | 1.40% | |
| $20,000 – $50,000 | 1.75% | ||
| $50,000 – $70,000 | 2.45% | ||
| $70,000 – $80,000 | 3.50% | ||
| $80,000 – $150,000 | 5.525% | ||
| $150,000 – $500,000 | 6.37% | ||
| $500,000 – $5,000,000 | 8.97% | ||
| $5,000,000+ | 10.75% |
State standard deduction
There are no state-level standard deductions.
State exemptions
There are state-level exemptions for all types of filers and dependents. Refer to Tax Foundation for more details.
| Tax year | Filing status | Personal exemption amount |
|---|---|---|
| 2022 2021 2020 |
Single Married, Filing Separately Head of Household |
$1,000 |
| Married, Filing Jointly or Widow(er) | $2,000 | |
| Dependent(s) | $1,500 |
FAQs
What taxes do New Jerseyites pay?
New Jersey's income tax rate ranges from 1.40% to 10.75%, and there are also three types of payroll taxes. You still need to pay federal income tax on top of this.
How much do you make after taxes in New Jersey?
The take-home pay for a single filer who earns $80,000 per year is $59,862.80.
For a married couple with a combined income of $160,000 per year, the take-home pay is $121,213.43.
How much taxes are deducted from an $80,000 paycheck in New Jersey?
The total taxes deducted for a single filer are $1678.10 monthly or $774.51 bi-weekly.