New Jersey Paycheck Calculator

Calculate your take-home pay after federal & New Jersey taxes

Updated for 2024 tax year on Apr 1, 2024

What was updated? 2024 federal income tax, state income tax, FICA & standard deduction

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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 two types of payroll taxes
  • able to claim exemptions
New Jersey United States

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

Calculating your New Jersey state income tax is similar to the steps we listed on our Federal paycheck calculator:

  1. Determine your gross income
    • Annual salary
      Annual salary = Gross income
    • Hourly wage
      Hourly wage × Hours worked per day × Days worked per week × Weeks worked per year = Your weekly paycheck
  2. Work out your total federal income tax
    1. Gross income adjusted
      Gross income − Pre-tax deductions = Gross income adjusted
    2. Federal taxable income
      Gross income adjusted − Federal standard/itemized deductions = Federal taxable income
    3. Federal income tax liability
      Federal taxable income × Federal income tax rate = Federal income tax liability
    4. Federal payroll tax liability
      Gross income adjusted × Federal payroll tax rate = Federal payroll tax liability
  3. Calculate your total New Jersey state income tax
    1. State taxable income
      Gross income adjusted − (State itemized deductions + State exemptions) = State taxable income
    2. State income tax liability
      State taxable income × State income tax rate = State income tax liability
    3. State payroll tax liability
      Gross income adjusted × State payroll tax rate = State payroll tax liability
  4. Figure out your net pay
    Gross income − (Total income tax liability + Total payroll tax liability + Total pre-tax deductions + Total post-tax deductions + Total withholdings) = Your net pay
  5. Divide your net pay by your pay frequency
    • Daily
      Your net pay / Days worked per week / Weeks worked per year = Your daily paycheck
    • Weekly
      Your net pay / 52 = Your weekly paycheck
    • Bi-weekly
      Your net pay / 26 = Your bi-weekly paycheck
    • Semi-monthly
      Your net pay / 24 = Your semi-monthly paycheck
    • Monthly
      Your net pay / 12 = Your monthly paycheck
    • Quarterly
      Your net pay / 4 = Your quarterly paycheck
    • Semi-annual
      Your net pay / 2 = Your semi-annual paycheck
    • Annual
      Your net pay = Your annual paycheck

State payroll tax

Tax year Tax name Percent of taxable wage Up to taxable wage Comment
2023 State Unemployment Insurance (SUI) 0.425% $41,100
Paid Family and Medical Leave (PFML) 0.06% $156,800
2022 State Unemployment Insurance (SUI) 0.425% $39,800
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
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
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
2023
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 - $1,000,000 8.97%
$1,000,000+ 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
2023
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 two 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 $60,890.77.
For a married couple with a combined income of $160,000 per year, the take-home pay is $121,433.14.

How much taxes are deducted from an $80,000 paycheck in New Jersey?

The total taxes deducted for a single filer are $1592.44 monthly or $734.97 bi-weekly.