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Free New Jersey paycheck calculator and NJ payroll tax calculator. Estimate take-home pay with New Jersey graduated state income tax (1.4%–10.75% model), federal income tax, Social Security, and Medicare. Plan paycheck outcomes by filing status and pay frequency. Browse more tools on our payroll and tax calculator hub.
Last updated: April 21, 2026
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Take-Home Pay
$4098.30
Federal Tax
$391.67
NJ State Tax
$127.53
Social Security
$310.00
Medicare
$72.50
Gross Pay
$5000.00
Total Taxes
$901.70
This calculator provides New Jersey paycheck planning estimates. Use official NJ Division of Taxation guidance and your paystub for final withholding amounts.
State layer
Progressive NJ tax
Uses NJ’s published-style graduated brackets for planning (not a substitute for employer payroll software).
Federal layer
Bracket-based model
Annualizes pay and applies simplified federal taxable income assumptions.
Payroll taxes
SS + Medicare
Includes wage base limits and additional Medicare modeling for high earners.
Pay schedule
Per-period results
Converts annualized estimates back to your selected paycheck cadence.
Net pay focus
Take-home estimate
See net pay and an approximate take-home percentage of gross pay.
Planning mode
Scenario testing
Adjust gross pay, allowances, and filing status to explore paycheck outcomes.
For gross pay of $5,000 per month in New Jersey (example inputs: single, 1 allowance):
Estimated Take-Home
$4098.30
NJ State Tax (est.)
$127.53
The calculator annualizes your gross wages based on pay frequency, estimates simplified New Jersey taxable income using a personal exemption offset and a planning allowance adjustment, applies New Jersey’s graduated rates to that taxable income by filing status (head of household uses the joint-style bracket widths in this model), adds federal bracket tax and FICA payroll taxes, then returns a per-pay-period take-home estimate.
Gross Pay - Federal Tax - NJ State Tax - Social Security - Medicare ≈ Net PayNJ state withholding in this model is driven by simplified NJ taxable income after a personal exemption offset. Actual Form NJ-1040 taxable income can differ due to deductions, credits, and other adjustments. Common NJ payroll contributions like SUI, SDI, and FLI are not included here.
Gross wages flow through federal tax, New Jersey tax, and FICA to produce net pay.
Compare regional paycheck models with our NJ tax calculator and New York tax calculator.
Get Custom Payroll Calculator for Your PlatformEstimated net pay: $2710.20 per biweekly paycheck
Includes estimated federal $191.69, NJ state $53.31, Social Security $198.40, and Medicare $46.40 for this scenario.
New Jersey withholding follows employer tables and employee elections. Credits, other income, and payroll deductions can change taxable income versus a simplified wage model.
Federal and New Jersey taxes are computed separately in principle. This tool uses simplified bases for planning and education.
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