New Jersey Paycheck Calculator
Where is your money going?
Official Sources & References
This calculator uses data from the following authoritative sources. All tax rates, brackets, and thresholds are verified against official government publications:
- New Jersey Dept. of Revenue
- IRS Tax Brackets 2025
- IRS W-4 Tax Withholding Estimator
- SSA 2025 Wage Base Limit
- US Dept. of Labor - Minimum Wage
- IRS Publication 15 (Employer's Tax Guide)
This calculator is for informational purposes only and does not constitute tax advice. Consult a qualified tax professional or the IRS for guidance specific to your situation.
New Jersey State Income Tax Rates (2025)
New Jersey has a top rate of 10.75% on income over $1 million. NJ also deducts SDI (State Disability Insurance) and FLI (Family Leave Insurance) from paychecks. NJ's combined state and property tax burden is among the highest in the US.
| Taxable Income | Tax Rate |
|---|---|
| $0-$20,000 | 1.4% |
| $20,001-$35,000 | 1.75% |
| $35,001-$40,000 | 3.5% |
| $40,001-$75,000 | 5.525% |
| $75,001-$500,000 | 6.37% |
| $500,001-$1,000,000 | 8.97% |
| Over $1,000,000 | 10.75% |
The minimum wage in New Jersey is $15.49/hr as of 2025. New Jersey's minimum wage exceeds the federal minimum of $7.25/hr.
How to Calculate Your New Jersey Paycheck
Your New Jersey take-home pay is your gross pay minus the following deductions:
This calculator also serves as a New Jersey payroll calculator, New Jersey salary calculator, New Jersey income calculator, and New Jersey take home pay calculator. Whether you search for "NJ paycheck calculator" or "new jersey wage calculator," this tool gives you accurate 2025 results.
- Federal Income Tax — based on 2025 IRS brackets and your filing status (10%–37%)
- Social Security — 6.2% of wages up to $176,100 (2025 wage base)
- Medicare — 1.45% of all wages (plus 0.9% surtax on earnings over $200,000)
- New Jersey State Income Tax — calculated using New Jersey's 2025 tax brackets (top rate 10.75%)
- Pre-tax deductions — 401(k), HSA, health insurance premiums reduce your taxable income
New Jersey Paycheck Quick Facts (2025)
| State Income Tax | Progressive — 10.75% (7 brackets) |
| Minimum Wage | $15.49 |
| Median Household Income | $97,126 |
| Cost of Living Index | 115.2 (US avg = 100) |
| Local Taxes | Newark payroll tax of 1% for employers |
| Pay Frequency Law | Semi-monthly required |
What Makes New Jersey Paychecks Unique
New Jersey uses a progressive system with a top rate of 10.75% across 7 brackets. With a median household income of $97,126 and a cost of living index of 115.2 (where 100 is the national average), your paycheck's purchasing power is below the national average due to higher costs.
- New Jersey has 7 brackets from 1.4% to 10.75%, with the top rate applying to income over $1 million.
- New Jersey deducts UI/WF/SWF, SDI, and FLI from paychecks — these add roughly 0.8% to your total deductions.
- New Jersey does not tax Social Security benefits and offers a pension exclusion up to $100,000 for residents 62+.