Use this calculator to estimate your net pay after federal and New Jersey state taxes, as well as other common deductions. This tool provides a general estimate based on 2024 tax rates and should not be considered financial or tax advice.
Weekly
Bi-weekly
Semi-monthly
Monthly
Annually
Federal Withholding
Single
Married Filing Jointly
Married Filing Separately
Head of Household
New Jersey State Withholding
Single
Married/Civil Union Jointly
Head of Household
Married/Civil Union Separately
Deductions
Understanding Your New Jersey Paycheck
Navigating your paycheck can be complex, especially with federal and state taxes, plus various deductions. This New Jersey Payroll Calculator helps you understand how your gross pay translates into net pay, giving you a clearer picture of your take-home earnings.
How Payroll Taxes Work in New Jersey
Your paycheck is subject to several types of deductions, primarily federal income tax, FICA taxes (Social Security and Medicare), and New Jersey state income tax, along with state-mandated contributions.
1. Federal Income Tax
This is a progressive tax levied by the U.S. government. The amount withheld from your paycheck depends on your gross income, filing status (Single, Married Filing Jointly, Head of Household, etc.), and any additional withholding you elect on your W-4 form. The calculator uses 2024 federal tax brackets and standard deductions to estimate this amount.
2. FICA Taxes (Social Security and Medicare)
Social Security: This funds retirement, disability, and survivor benefits. Employees contribute 6.2% of their gross wages up to an annual wage base limit ($168,600 for 2024).
Medicare: This funds health insurance for seniors and the disabled. Employees contribute 1.45% of all gross wages, with no wage base limit. An additional 0.9% Medicare tax applies to wages exceeding certain thresholds ($200,000 for single filers, $250,000 for married filing jointly).
3. New Jersey State Income Tax
New Jersey has a progressive state income tax system. The amount withheld depends on your gross income, filing status, and the number of allowances you claim on your NJ W-4 form. Each allowance reduces your taxable income by $1,000 annually. The calculator applies the 2024 NJ tax brackets to determine your state tax liability.
4. New Jersey State-Mandated Contributions
New Jersey employees also contribute to several state programs:
Unemployment Insurance (UI): Funds benefits for eligible unemployed workers. For 2024, employees contribute 0.425% of wages up to an annual wage base limit ($42,300).
Family Leave Insurance (FLI): Provides benefits for employees taking time off for family leave. For 2024, employees contribute 0.082% of wages up to an annual wage base limit ($42,300).
Temporary Disability Insurance (TDI): Provides benefits for employees unable to work due to non-work-related illness or injury. As of 2024, the employee contribution rate for TDI is 0.00%.
5. Deductions
Pre-tax Deductions: These are taken out of your gross pay before taxes are calculated, reducing your taxable income. Common examples include contributions to a 401(k), traditional IRA, or health insurance premiums.
Post-tax Deductions: These are taken out after taxes have been calculated. Examples include Roth 401(k) contributions, union dues, or garnishments.
How to Use the Calculator
Gross Pay per Pay Period: Enter your total earnings before any deductions for a single pay period.
Pay Frequency: Select how often you are paid (e.g., weekly, bi-weekly).
Federal Filing Status: Choose your federal tax filing status.
Additional Federal Withholding: Enter any extra amount you wish to have withheld for federal taxes per pay period.
NJ Filing Status: Select your New Jersey state tax filing status.
NJ Allowances: Enter the number of allowances you claim on your NJ W-4.
Additional NJ Withholding: Enter any extra amount you wish to have withheld for NJ state taxes per pay period.
Pre-tax Deductions: Input the total amount of pre-tax deductions per pay period.
Post-tax Deductions: Input the total amount of post-tax deductions per pay period.
Click "Calculate Net Pay" to see your estimated take-home pay and a breakdown of deductions.
Important Considerations
This calculator provides an estimate. Actual withholdings may vary based on specific employer payroll systems, additional deductions not included here (e.g., local taxes, specific benefits), and changes in tax laws. For precise figures, consult your HR department or a tax professional.
.calculator-container {
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
background-color: #f9f9f9;
padding: 25px;
border-radius: 10px;
box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
max-width: 700px;
margin: 30px auto;
border: 1px solid #e0e0e0;
}
.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;
font-size: 1.4em;
border-bottom: 2px solid #e0e0e0;
padding-bottom: 5px;
}
.calculator-container p {
color: #555;
line-height: 1.6;
margin-bottom: 15px;
}
.calc-input-group {
margin-bottom: 15px;
display: flex;
flex-direction: column;
}
.calc-input-group label {
margin-bottom: 8px;
color: #333;
font-weight: bold;
font-size: 0.95em;
}
.calc-input-group input[type="number"],
.calc-input-group select {
padding: 10px 12px;
border: 1px solid #ccc;
border-radius: 5px;
font-size: 1em;
width: 100%;
box-sizing: border-box;
transition: border-color 0.3s ease;
}
.calc-input-group input[type="number"]:focus,
.calc-input-group select:focus {
border-color: #007bff;
outline: none;
box-shadow: 0 0 5px rgba(0, 123, 255, 0.2);
}
.calculate-button {
background-color: #28a745;
color: white;
padding: 12px 25px;
border: none;
border-radius: 5px;
font-size: 1.1em;
cursor: pointer;
display: block;
width: 100%;
margin-top: 25px;
transition: background-color 0.3s ease, transform 0.2s ease;
}
.calculate-button:hover {
background-color: #218838;
transform: translateY(-2px);
}
.calculator-result {
margin-top: 30px;
padding: 20px;
background-color: #e9f7ef;
border: 1px solid #d4edda;
border-radius: 8px;
color: #155724;
font-size: 1.1em;
line-height: 1.8;
}
.calculator-result h3 {
color: #155724;
margin-top: 0;
border-bottom: 1px solid #c3e6cb;
padding-bottom: 10px;
margin-bottom: 15px;
}
.calculator-result p {
margin-bottom: 8px;
color: #155724;
}
.calculator-result strong {
color: #0a3d15;
}
.calculator-article {
margin-top: 40px;
padding-top: 20px;
border-top: 1px solid #e0e0e0;
}
.calculator-article h2 {
color: #2c3e50;
font-size: 1.6em;
margin-bottom: 15px;
text-align: left;
}
.calculator-article h3 {
font-size: 1.3em;
color: #34495e;
margin-top: 20px;
margin-bottom: 10px;
border-bottom: none;
padding-bottom: 0;
}
.calculator-article h4 {
font-size: 1.1em;
color: #4a627a;
margin-top: 15px;
margin-bottom: 8px;
}
.calculator-article ul {
list-style-type: disc;
margin-left: 20px;
margin-bottom: 15px;
color: #555;
}
.calculator-article ol {
list-style-type: decimal;
margin-left: 20px;
margin-bottom: 15px;
color: #555;
}
.calculator-article li {
margin-bottom: 5px;
line-height: 1.5;
}
@media (max-width: 600px) {
.calculator-container {
padding: 15px;
margin: 20px auto;
}
.calculator-container h2 {
font-size: 1.5em;
}
.calculate-button {
padding: 10px 20px;
font-size: 1em;
}
}
function calculatePayroll() {
// Input values
var grossPay = parseFloat(document.getElementById("grossPay").value);
var payFrequency = parseFloat(document.getElementById("payFrequency").value);
var federalFilingStatus = document.getElementById("federalFilingStatus").value;
var additionalFederalWithholding = parseFloat(document.getElementById("additionalFederalWithholding").value);
var njFilingStatus = document.getElementById("njFilingStatus").value;
var njAllowances = parseInt(document.getElementById("njAllowances").value);
var additionalNjWithholding = parseFloat(document.getElementById("additionalNjWithholding").value);
var preTaxDeductions = parseFloat(document.getElementById("preTaxDeductions").value);
var postTaxDeductions = parseFloat(document.getElementById("postTaxDeductions").value);
// Validate inputs
if (isNaN(grossPay) || grossPay < 0) {
document.getElementById("result").innerHTML = "Please enter a valid Gross Pay.";
return;
}
if (isNaN(additionalFederalWithholding) || additionalFederalWithholding < 0) {
document.getElementById("result").innerHTML = "Please enter a valid Additional Federal Withholding amount.";
return;
}
if (isNaN(njAllowances) || njAllowances < 0) {
document.getElementById("result").innerHTML = "Please enter a valid number of NJ Allowances.";
return;
}
if (isNaN(additionalNjWithholding) || additionalNjWithholding < 0) {
document.getElementById("result").innerHTML = "Please enter a valid Additional NJ Withholding amount.";
return;
}
if (isNaN(preTaxDeductions) || preTaxDeductions < 0) {
document.getElementById("result").innerHTML = "Please enter a valid Pre-tax Deductions amount.";
return;
}
if (isNaN(postTaxDeductions) || postTaxDeductions < 0) {
document.getElementById("result").innerHTML = "Please enter a valid Post-tax Deductions amount.";
return;
}
// Annualize gross pay and deductions
var annualGrossPay = grossPay * payFrequency;
var annualPreTaxDeductions = preTaxDeductions * payFrequency;
var annualPostTaxDeductions = postTaxDeductions * payFrequency;
// Taxable income for federal and state (before standard/allowances)
var federalTaxableIncomeBeforeSD = annualGrossPay – annualPreTaxDeductions;
var njTaxableIncomeBeforeAllowances = annualGrossPay – annualPreTaxDeductions;
// — Federal Income Tax (2024 Rates) —
var federalStandardDeduction;
var federalTaxBrackets;
switch (federalFilingStatus) {
case "single":
federalStandardDeduction = 14600;
federalTaxBrackets = [
{ rate: 0.10, limit: 11600 },
{ rate: 0.12, limit: 47150 },
{ rate: 0.22, limit: 100525 },
{ rate: 0.24, limit: 191950 },
{ rate: 0.32, limit: 243725 },
{ rate: 0.35, limit: 609350 },
{ rate: 0.37, limit: Infinity }
];
break;
case "married_jointly":
federalStandardDeduction = 29200;
federalTaxBrackets = [
{ rate: 0.10, limit: 23200 },
{ rate: 0.12, limit: 94300 },
{ rate: 0.22, limit: 201050 },
{ rate: 0.24, limit: 383900 },
{ rate: 0.32, limit: 487450 },
{ rate: 0.35, limit: 731200 },
{ rate: 0.37, limit: Infinity }
];
break;
case "married_separately":
federalStandardDeduction = 14600;
federalTaxBrackets = [
{ rate: 0.10, limit: 11600 },
{ rate: 0.12, limit: 47150 },
{ rate: 0.22, limit: 100525 },
{ rate: 0.24, limit: 191950 },
{ rate: 0.32, limit: 243725 },
{ rate: 0.35, limit: 365600 },
{ rate: 0.37, limit: Infinity }
];
break;
case "hoh":
federalStandardDeduction = 21900;
federalTaxBrackets = [
{ rate: 0.10, limit: 16550 },
{ rate: 0.12, limit: 63100 },
{ rate: 0.22, limit: 100500 },
{ rate: 0.24, limit: 191950 },
{ rate: 0.32, limit: 243700 },
{ rate: 0.35, limit: 609350 },
{ rate: 0.37, limit: Infinity }
];
break;
default:
federalStandardDeduction = 0; // Should not happen with valid select options
}
var federalTaxableIncome = Math.max(0, federalTaxableIncomeBeforeSD – federalStandardDeduction);
var annualFederalTax = 0;
var previousLimit = 0;
for (var i = 0; i previousLimit) {
var taxableInBracket = Math.min(federalTaxableIncome, bracket.limit) – previousLimit;
annualFederalTax += taxableInBracket * bracket.rate;
}
previousLimit = bracket.limit;
if (federalTaxableIncome <= bracket.limit) {
break;
}
}
var periodicFederalTax = (annualFederalTax / payFrequency) + additionalFederalWithholding;
if (periodicFederalTax < 0) periodicFederalTax = 0; // Ensure tax is not negative
// — FICA Taxes (2024 Rates) —
var socialSecurityWageBase = 168600;
var socialSecurityRate = 0.062;
var medicareRate = 0.0145;
var additionalMedicareThresholdSingle = 200000;
var additionalMedicareThresholdMarried = 250000;
var additionalMedicareRate = 0.009;
var annualSocialSecurityTax = Math.min(annualGrossPay, socialSecurityWageBase) * socialSecurityRate;
var annualMedicareTax = annualGrossPay * medicareRate;
// Additional Medicare Tax
var additionalMedicareTaxableWages = 0;
if (federalFilingStatus === "single" || federalFilingStatus === "hoh" || federalFilingStatus === "married_separately") {
additionalMedicareTaxableWages = Math.max(0, annualGrossPay – additionalMedicareThresholdSingle);
} else if (federalFilingStatus === "married_jointly") {
additionalMedicareTaxableWages = Math.max(0, annualGrossPay – additionalMedicareThresholdMarried);
}
annualMedicareTax += additionalMedicareTaxableWages * additionalMedicareRate;
var periodicSocialSecurityTax = annualSocialSecurityTax / payFrequency;
var periodicMedicareTax = annualMedicareTax / payFrequency;
var periodicFicaTax = periodicSocialSecurityTax + periodicMedicareTax;
// — New Jersey State Income Tax (2024 Rates) —
var njAllowanceValue = 1000; // Each allowance reduces taxable income by $1,000 annually
var njTaxableIncome = Math.max(0, njTaxableIncomeBeforeAllowances – (njAllowances * njAllowanceValue));
var annualNjTax = 0;
var njTaxBrackets;
switch (njFilingStatus) {
case "single":
case "married_separately":
njTaxBrackets = [
{ rate: 0.014, limit: 20000 },
{ rate: 0.0175, limit: 35000 },
{ rate: 0.035, limit: 40000 },
{ rate: 0.05525, limit: 75000 },
{ rate: 0.0637, limit: 150000 },
{ rate: 0.0897, limit: 500000 },
{ rate: 0.1075, limit: 1000000 },
{ rate: 0.1075, limit: Infinity } // No higher bracket, just flat 10.75%
];
break;
case "married_jointly":
case "hoh":
njTaxBrackets = [
{ rate: 0.014, limit: 20000 },
{ rate: 0.0175, limit: 50000 },
{ rate: 0.0245, limit: 70000 },
{ rate: 0.035, limit: 80000 },
{ rate: 0.05525, limit: 100000 },
{ rate: 0.0637, limit: 150000 },
{ rate: 0.0897, limit: 500000 },
{ rate: 0.1075, limit: 1000000 },
{ rate: 0.1075, limit: Infinity }
];
break;
default:
njTaxBrackets = []; // Should not happen
}
previousLimit = 0;
for (var i = 0; i previousLimit) {
var taxableInBracket = Math.min(njTaxableIncome, bracket.limit) – previousLimit;
annualNjTax += taxableInBracket * bracket.rate;
}
previousLimit = bracket.limit;
if (njTaxableIncome <= bracket.limit) {
break;
}
}
var periodicNjTax = (annualNjTax / payFrequency) + additionalNjWithholding;
if (periodicNjTax < 0) periodicNjTax = 0; // Ensure tax is not negative
// — New Jersey State Mandated Deductions (2024 Rates) —
var njUiRate = 0.00425; // 0.425%
var njFliRate = 0.00082; // 0.082%
var njTdiRate = 0.00; // 0.00% for employees in 2024
var njStateMandatedWageBase = 42300;
var annualNjUi = Math.min(annualGrossPay, njStateMandatedWageBase) * njUiRate;
var annualNjFli = Math.min(annualGrossPay, njStateMandatedWageBase) * njFliRate;
var annualNjTdi = Math.min(annualGrossPay, njStateMandatedWageBase) * njTdiRate; // Will be 0
var periodicNjUi = annualNjUi / payFrequency;
var periodicNjFli = annualNjFli / payFrequency;
var periodicNjTdi = annualNjTdi / payFrequency; // Will be 0
var totalPeriodicNjMandated = periodicNjUi + periodicNjFli + periodicNjTdi;
// — Total Deductions and Net Pay —
var totalDeductions = periodicFederalTax + periodicFicaTax + periodicNjTax + totalPeriodicNjMandated + preTaxDeductions + postTaxDeductions;
var netPay = grossPay – totalDeductions;
// Format results
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
minimumFractionDigits: 2,
maximumFractionDigits: 2
});
var resultsHtml = "