Free ADP Paycheck Calculator NJ

The salary calculator will help you automatically calculate your annual salary, weekly salary, and also the number of hours you work per week, the frequency of payments, the taxes of the different states where you are located, in addition to showing you the salary breakdown, it will also provide you with charts to access, all you need to do is to fill out the calculator below to get your answer.

All-in-One Paycheck Calculator

Annual Salary ($)

Hourly Wage ($) Hours per Week Used to calculate yearly salary if only hourly wage is given Pay Frequency How often you receive your paycheck State Used to apply state income tax (default flat rate per state) 401(k) Contribution (%) % of income contributed to retirement savings (optional) Monthly Insurance Deduction ($) Health, dental, or other deductions

How We Ensure Your Calculations Are Accurate at HnKey

Verified Data:In order to ensure that the accuracy of our calculations is our main priority, our team frequently checks the tax information, and policies of the IRS to review our calculations in a timely manner.

Regularly Updated:It is important to note that these data, not our guesses, come from official sources such as the IRS and state tax offices.

Disclaimer: This tool is for estimation purposes only and does not constitute financial advice. Please consult a qualified professional for personalized financial guidance.

Understanding your paycheck in New Jersey involves navigating federal, state, and local taxes, as well as other deductions that impact your take-home pay. This guide provides a clear explanation of how taxes are calculated on your paycheck in New Jersey, including official tax rates, withholding methods, and key considerations to help you estimate your net income accurately.

Federal Income Tax Withholding

Federal income tax is withheld from your paycheck based on your gross income, filing status, and allowances claimed on your Form W-4. The Internal Revenue Service (IRS) uses a progressive tax system, meaning higher earnings are taxed at higher rates. For 2025, federal tax brackets range from 10% to 37%, depending on your taxable income and filing status. Employers use the IRS Publication 15-T to calculate withholding based on your W-4 inputs, such as marital status and dependents. To ensure accurate withholding, update your W-4 if your personal or financial situation changes, such as marriage or the birth of a child.

Social Security and Medicare Taxes

In addition to federal income tax, your paycheck includes deductions for Social Security and Medicare, known as FICA (Federal Insurance Contributions Act) taxes. For 2025, the Social Security tax rate is on income up to $168,600, as set by the Social Security Administration. Medicare tax is on all wages, with an additional for individuals earning above $200,000 (or $250,000 for married couples filing jointly). These taxes fund retirement benefits and healthcare programs and are matched by your employer.

New Jersey State Income Tax

New Jersey imposes a state income tax, with rates ranging from to depending on your income and filing status. The New Jersey Division of Taxation provides tax tables and withholding guidelines for employers. Your withholding amount depends on your gross income, exemptions, and allowances claimed on the NJ-W4 form. For example, a single filer earning $50,000 annually falls into the tax bracket for income between $40,000 and $75, earners (above $1 million) face a rate. New Jersey also offers tax credits, such as the Earned Income Tax Credit, which may reduce your tax liability when filing your return.

New Jersey Unemployment and Disability Insurance

New Jersey requires contributions to unemployment insurance (UI), workforce development, and temporary disability insurance (TDI). Employees contribute of taxable wages (up to $42,300 in 2025) for UI and workforce programs, and for TDI, per the New Jersey Department of Labor. These deductions support benefits for unemployed workers and those unable to work due to non-work-related injuries or illnesses. Family leave insurance (FLI) is also deducted at on wages up to $177,000, funding paid leave for caregiving or bonding with a newborn.

Local Taxes in New Jersey

New Jersey does not impose local income taxes, unlike some states. However, certain municipalities, such as Newark, levy a payroll tax on employers, which does not directly affect your paycheck but may influence business costs. Always check with your employer to confirm if any local regulations impact your wages indirectly.

Other Paycheck Deductions

Beyond taxes, your paycheck may include deductions for health insurance premiums, retirement plan contributions (such as a 401(k)), and other benefits. New Jersey requires employers to offer commuter benefits for businesses with 20 or more employees, which may involve pre-tax deductions for transit costs. Voluntary deductions, like union dues or charitable contributions, also reduce your take-home pay. Review your pay stub to understand these deductions and consult your HR department for clarification.

How to Estimate Your Take-Home Pay

To calculate your net pay, start with your gross income (salary or hourly wages before deductions). Subtract federal income tax, FICA taxes, New Jersey state income tax, and UI/TDI/FLI contributions. Then, account for any pre-tax deductions (e.g., health insurance or retirement contributions), which lower your taxable income. The IRS Tax Withholding Estimator and New Jersey’s tax calculators can help you estimate withholdings. For precise calculations, use a reliable paycheck calculator tailored to New Jersey’s tax rules.

Tips for Managing Your Paycheck

To optimize your take-home pay, consider these steps:

Review your W-4 and NJ-W4 forms annually to ensure accurate withholding.
Take advantage of pre-tax benefits, such as health savings accounts (HSAs) or commuter programs, to reduce taxable income.
Claim eligible tax credits, like the New Jersey Earned Income Tax Credit, when filing your state return.
Consult a tax professional if you have complex income sources, such as self-employment or investments.

By understanding the components of your paycheck and using available tools, you can better plan your finances and avoid surprises at tax time. For a quick and accurate estimate of your take-home pay, try the calculator below.

The above information is reviewed by our team of tax experts, all of them have an average of about 10 years of experience in the U.S. tax, if you have any questions, you can submit the form to us, our experts will be within 24 hours, reply to you.

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