New Jersey Paycheck Calculator
See exactly what you keep after taxes in New Jersey — enter your pay for an instant, itemized take-home breakdown.
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Your take-home pay
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Effective tax rate 0%
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How New Jersey take-home pay is calculated
New Jersey takes a meaningful bite out of take-home pay, with a graduated income tax that climbs from a low 1.4% to one of the steepest top rates in the country at 10.75% on income above $1 million. There are no city or county income taxes in New Jersey, so the state rate is the only income tax most workers see, but paychecks also carry small mandatory payroll deductions for state disability and family leave insurance. Combined with a top marginal rate that ranks among the four highest nationally, high earners in New Jersey keep noticeably less than peers in flat-tax or no-tax states.
Federal income tax
Progressive 10%–37%, applied after the federal standard deduction ($15,000 single / $30,000 married for 2025).
Social Security
6.2% of wages up to the $176,100 wage base.
Medicare
1.45% of all wages, plus 0.9% above $200,000.
New Jersey state income tax
Progressive 1.4% – 10.75%.
Temporary Disability Insurance (TDI)
0.23% of wages.
Family Leave Insurance (FLI)
0.33% of wages.
401(k) — optional
Pre-tax contributions lower your taxable income for both federal and state tax.
- New Jersey's top marginal rate of 10.75% applies to income over $1 million and ranks among the four highest in the nation, behind only California, Hawaii, and New York.
- The state offers no standard deduction; instead it provides personal exemptions of $1,000 (single) and $2,000 (married filing jointly).
- Employees contribute to mandatory state payroll programs in 2025: Temporary Disability Insurance at 0.23% and Family Leave Insurance at 0.33%, each capped at a $165,400 wage base.
New Jersey paycheck — frequently asked questions
How much is taken out of a paycheck in New Jersey? +
In New Jersey, federal income tax, Social Security (6.2%), Medicare (1.45%) and New Jersey state income tax (1.4% – 10.75%) plus Temporary Disability Insurance (TDI) and Family Leave Insurance (FLI) are withheld. Total withholding typically lands around 25%–35% of gross pay, depending on income and filing status.
What is take-home pay? +
Take-home pay (net pay) is the amount that actually reaches your bank account after all taxes and deductions are subtracted from your gross salary. It is always lower than your headline salary.
Does New Jersey have a state income tax? +
Yes. New Jersey has a progressive state income tax (1.4% – 10.75%), charged on top of federal income tax.
Is this New Jersey paycheck calculator accurate? +
It gives a close estimate using 2025 federal and New Jersey tax brackets, the standard deduction and FICA. Your actual paycheck can vary based on local taxes, additional withholdings, benefits and your W-4. It is an estimate, not tax advice.
Disclaimer: This calculator provides estimates for educational purposes only using 2025 tax figures and does not constitute tax, legal, or financial advice. Actual withholding depends on your W-4, local taxes, benefits, and other factors. Verify with a qualified professional or the relevant tax authority.