New Jersey Paycheck Calculator
Calculate New Jersey take-home pay, NJ Gross Income Tax (1.4% to 10.75%), state unemployment/disability (SUI/FLI), and federal withholdings.
New Jersey Paycheck Calculator (NJ Gross Income Tax & SUI/FLI)
2025/2026 Tax RulesDid this calculation save you time?
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What Is a New Jersey Paycheck Calculator?
The New Jersey Paycheck Calculator computes net earnings under the New Jersey Gross Income Tax Act, including statutory employee contributions for State Unemployment Insurance (SUI), Workforce Development, and Family Leave Insurance (FLI).
How to Use This Calculator
- Enter your gross salary or hourly wage in NJ.
- Review net pay after federal, FICA, NJ state tax, and mandatory NJ state funds.
New Jersey Net Pay
\text{Net Pay} = \text{Gross} - (\text{Fed Tax} + \text{FICA} + \text{NJ State Tax} + \text{NJ SUI/FLI})NJ brackets start at 1.4% and reach 10.75% for high earners.
Worked Example
Scenario: A New Jersey worker earning $85,000 as a single filer.
Gross: $85,000.
Federal + FICA: ~$16,800.
NJ State Tax: ~$3,150.
NJ SUI/FLI: ~$350.
Net Pay: ~$64,700 ($2,488 bi-weekly).
Tips & Key Notes
- If you live in NJ but work in NY, you file returns in both states, but NJ grants a tax credit for taxes paid to NY to prevent double taxation.
- NJ and PA share a reciprocal agreement: wages earned in PA by NJ residents are taxed only by NJ.
Frequently Asked Questions
What is the NJ/PA reciprocal tax agreement?
Under the reciprocal agreement, NJ residents working in Pennsylvania pay NJ income tax instead of PA tax, and vice versa.
What are NJ SUI and FLI deductions?
They fund State Unemployment Insurance and Family Leave Insurance, protecting workers during medical emergencies or caregiving.
Does New Jersey have local city income taxes?
No. With rare exceptions (like Newark payroll tax on employers), NJ does not levy municipal income taxes on employees.
Does NJ tax 401(k) contributions?
Like the federal government, NJ allows pre-tax 401(k) deductions. However, NJ does not exempt Section 125 cafeteria health plans in the same manner as federal code.
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