New Jersey Paycheck Calculator 2025

In 2025, your New Jersey paycheck is subject to Federal income tax (based on your W-4), FICA taxes (6.2% Social Security up to the wage cap and 1.45% Medicare), and NJ State Income Tax. You also pay into state-run programs like Unemployment Insurance (UI), Workforce Development (WF), Temporary Disability Insurance (TDI), and Family Leave Insurance (FLI).

Yes. Our calculator automatically computes withholdings for New Jersey’s mandatory payroll programs: Unemployment Insurance (UI), Workforce Development Partnership Fund (WF), Temporary Disability Insurance (TDI), and Family Leave Insurance (FLI), based on the official 2025 wage bases and rates.

Yes, typically. If you have health insurance through a qualified employer-sponsored plan (a Section 125 plan), your premium contributions are usually deducted before taxes are calculated. This reduces your taxable income for federal and state purposes. You can enter this amount in the “Pre-Tax Deductions” field.

This tool provides a very close estimate for most common pay situations and is excellent for financial planning. It now accounts for YTD earnings for more precise FICA/NJ program calculations. However, it is not a substitute for an official payroll stub. Final pay may differ due to unique factors like specific 401(k) plans or other post-tax deductions. Always refer to your company’s official pay statement.

We monitor announcements from the IRS and the New Jersey Division of Taxation continuously. We update our tables and formulas in the calculator’s code as soon as official new rates, brackets, and wage limits for 2025 are released, and we verify them monthly to ensure the highest degree of accuracy.

The federal Form W-4 determines your federal income tax withholding, while the NJ-W4 is used for New Jersey state income tax. They are separate forms and can have different settings (filing status, allowances) based on your financial situation. It’s crucial to complete both accurately to avoid under or over-withholding.

Bonuses are “supplemental wages” and are typically withheld at a higher flat rate than regular earnings. The federal supplemental rate is 22%. New Jersey also has its own supplemental withholding rate. Our Bonus Pay Calculator is specifically designed to handle these calculations.

This calculator is designed for W-2 employees. Self-employed individuals and independent contractors have different tax obligations, including paying self-employment tax (for Social Security and Medicare) and making quarterly estimated tax payments. This tool will not accurately calculate your take-home pay in that scenario.

New Jersey uses a progressive tax system with multiple brackets. For 2025, rates range from 1.4% on the lowest income earners to 10.75% on income over $1,000,000. Our calculator uses the specific brackets for your filing status to estimate your state tax withholding accurately. You can see the full tables on our 2025 Tax Rates page.

On the federal Form W-4, dependents (like children) provide tax credits, primarily the Child Tax Credit ($2,000 per qualifying child). This credit directly reduces your annual tax liability dollar-for-dollar. Our calculator factors in these credits to provide a more accurate estimate of your federal tax withholding per paycheck.

Biweekly means you are paid every two weeks, resulting in 26 paychecks per year. Semi-monthly means you are paid twice a month (e.g., on the 15th and 30th), resulting in 24 paychecks per year. This small difference affects the amount of each paycheck, as your annual salary is divided by either 26 or 24.

Contributions to a traditional 401(k) are pre-tax. This means the money is deducted from your gross pay *before* income taxes are calculated. This lowers your taxable income, reducing the amount of federal and state tax you owe for the pay period and increasing your net pay compared to not contributing.

Yes. Creditors with a court order can garnish your wages for debts like child support, unpaid taxes, or student loans. New Jersey law limits the amount that can be garnished to a certain percentage of your disposable income to ensure you still have enough to live on.

The general minimum wage in New Jersey is scheduled to be reviewed annually. While our calculator is for estimating taxes on any wage, you should always verify the current minimum wage with the NJ Department of Labor and Workforce Development to ensure you are being paid correctly.

Checking the box in Step 2(c) of the federal W-4 tells your employer that you (or your spouse) have another job. This adjusts your withholding to a higher rate to account for the combined income. This is crucial for avoiding a large tax bill at the end of the year.

New Jersey law requires pay stubs (or pay statements) to show your gross pay, rate of pay, hours worked (for hourly employees), all deductions taken out, and your net pay. It should also list your name, the employer’s name, and the pay period dates.

Your final paycheck, which may include unused vacation pay, is taxed just like regular wages. It is subject to federal and state income tax, as well as FICA and other NJ payroll taxes. If it’s a large payout, the withholding might be higher for that single check, but it will be reconciled when you file your annual tax return.

TDI is a state-run program that provides cash benefits to workers who have to stop working due to a physical or mental health condition or other disability that is not caused by their job. It is funded by employee payroll deductions up to an annual wage limit.

FLI provides benefits for you to bond with a new child or care for a sick family member. It is part of the same system as TDI and is funded entirely by employee payroll deductions, calculated up to the annual wage cap.

First, use this calculator to get a reliable estimate. Compare the breakdown it provides with your actual pay stub. Check your gross pay, your W-4 settings (filing status, dependents), and your pre-tax deductions (like health insurance or 401k). If there’s a large discrepancy, speak with your HR or payroll department to review your withholdings.