NJ Tax Calculator (2024–2025)
Calculate your exact take-home pay in The Garden State. Quickly estimate your federal taxes, FICA, and progressive New Jersey state deductions to find your true net income per paycheck.
Updated for 2024 & 2025 Federal & NJ State Tax Rules
Planning to move to or from New Jersey? See All State Calculators
Enter your salary to calculate your
New Jersey take-home pay
Understanding New Jersey Income Tax
Bracket Range
1.40% – 10.75%
New Jersey uses a fairly steep progressive tax structure. Lower wage earners pay very little state tax (1.4%), while "millionaire" earners pay top rates pushing nearly 11% on their highest dollars earned.
Local Tax Rate
0.00%
A major benefit for NJ workers compared to some neighboring states is the distinct lack of local municipality or city income taxes. Your state tax is the only state-level income deduction you face.
FICA Mandatory Rate
7.65% Total
On top of State and Federal Income Taxes, nearly all W-2 employees pay standard FICA (6.2% for Social Security up to a limit, and 1.45% base for Medicare).
How Are New Jersey Paychecks Calculated?
Calculating a New Jersey paycheck involves determining both the federal obligations and walking your income through the state's specific progressive bracket system. New Jersey brackets change depending on if you file Single vs. Married Filing Jointly.
The Standard NJ Paycheck Formula
+ Gross Pay (Total Earnings)- Federal Income Tax (based on standard brackets)- FICA Tax (Social Security & Medicare)- NJ State Income Tax (Progressive from 1.4% up)- Other State Payroll Deductions (SUI/SDI usually ~1%)= Net Take-Home PayWhat About Working in NY but Living in NJ?
This is a very common scenario for commuters. Generally speaking, your primary physical workplace dictates which state taxes your income initially. If you work in Manhattan but commute from New Jersey, you will pay NY State non-resident income taxes. You then file a resident return in NJ, but claim a credit for taxes paid to another jurisdiction to avoid being drastically double-taxed. Navigating the exact withholding can be complex and often requires adjusting your W-4 equivalents.
Want to see the math from the New York side of the border? Check out our New York Tax Calculator.
Browse Other StatesNew Jersey Paycheck Examples
See how the progressive brackets affect different earning scenarios.
~$58,283
Net Annual
~$4,856
Per Month
~$125,360
Net Annual
~$10,446
Per Month
Frequently Asked Questions
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