New Jersey Hourly Paycheck Calculator

New Jersey payroll taxes

A typical New Jersey paycheck includes federal income tax, Social Security, Medicare, and New Jersey state income tax. New Jersey also withholds employee contributions to certain state programs (e.g., unemployment insurance funds, temporary disability insurance, family leave insurance) when applicable. Employers fund SUTA, FUTA, workers’ compensation, and must meet posting/recordkeeping rules. Pretax benefits—401(k)/403(b)/457(b), HSA, FSA, commuter, and Section 125 insurance premiums—can reduce taxable wages when plan-eligible.

• Employee (federal): Income tax (IRS W-4), Social Security, Medicare, Additional Medicare for high earners.
• Employee (state): NJ income tax withholding (Form NJ-W4 elections) and possible employee contributions to state insurance programs listed above.
• Local (employee): New Jersey generally does not impose employee local wage/income taxes.
• Employer: NJ SUTA; FUTA; workers’ compensation; possible employer-side municipal payroll taxes in some cities (do not reduce employee net).
• Pretax deductions: May lower federal/state taxable wages and, when eligible, FICA.

How Your New Jersey Paycheck Works

Your net equals gross hourly wages (regular, overtime, tips, differentials, bonuses) minus pretax deductions; then minus FICA, federal income tax, New Jersey state withholding, and any applicable employee program contributions. The calculator itemizes hours, rates, taxable wages, all withholdings, deductions, and final take-home.

• Inputs: Hourly rate, hours, overtime, tips, pay frequency, filing status, dependents/credits, deductions.
• Outputs: Line-by-line FICA, federal, NJ state, program contributions, deductions, and estimated net pay.
• Supplemental pay: Model flat vs. aggregate federal methods for bonuses/commissions.

New Jersey Income unemployment tax rate — 10 Years (Employer SUTA)

Replace placeholders with official New Jersey Department of Labor figures (taxable wage base, experience-rated range, new-employer rate) before publishing.

New Jersey salary threshold

New Jersey follows FLSA and state rules. Exempt status requires meeting the duties tests and the applicable salary-basis threshold; job titles alone don’t create exemption. Confirm NJ minimum wage (state-set), tip credit/service-charge practices, paid sick leave requirements, and sector-specific standards when classifying roles and computing overtime.

Median Household Income: New Jersey — 10 Years

Insert the latest U.S. Census/ACS one-year (or five-year) estimates for New Jersey before publishing.

New Jersey Federal Insurance Contributions Act (FICA)

FICA is federal and applies in New Jersey: employees pay Social Security and Medicare; employers match both. Above a federal threshold, Additional Medicare tax is withheld from employees (no employer match). Eligible pretax benefits (e.g., Section 125 health premiums) can reduce FICA-taxable wages depending on plan rules.

Number of cities that have local income taxes

50-word description: New Jersey municipalities generally do not levy employee local income taxes. Withholding lines are state income tax and FICA, plus benefits or orders. Some cities impose employer-side payroll taxes on businesses, not workers’ paychecks. Multistate commuters could face other cities’ wage taxes. Always confirm residency and worksite before estimating totals.

Illustrative New Jersey local wage/income tax table (verify current rules before use)

New Jersey Wage and Hour Laws: Overtime, Pay Frequency

• Overtime: Most non-exempt workers earn 1.5× the regular rate after 40 hours/week (FLSA baseline; NJ maintains additional sector rules—verify coverage).
• Pay frequency: Employers must pay on a regular schedule (commonly biweekly or semimonthly) with itemized statements.
• Leave programs: State paid sick leave requirements apply to most employees; verify accrual, usage, and carryover rules.

Additional New Jersey forms

• IRS Form W-4 (federal withholding elections).
• New Jersey Form NJ-W4 (Employee’s Withholding Allowance Certificate).
• Form I-9 employment eligibility verification; New Jersey new-hire reporting.
• Direct deposit authorization; benefits enrollment (401(k), HSA, FSA, insurance).
• New Jersey unemployment (employer) account registration; required workplace posters.

FAQs about the New Jersey Hourly Paycheck Calculator

How do I use the New Jersey Hourly Paycheck Calculator?

Enter hourly rate, hours, overtime, tips, pay frequency, filing status, dependents/credits, and pretax/post-tax deductions. The calculator applies FICA, federal, NJ state withholding, and employee program contributions to display a line-by-line net pay estimate.

Why does my New Jersey pay stub show state program deductions?

New Jersey often withholds employee contributions for programs like unemployment/disability/family leave insurance. These are separate from state income tax and help fund statewide benefits.

Does New Jersey have city income taxes on employees?

No. Employees generally don’t pay local wage taxes in NJ. Some cities may assess employer-side payroll taxes that do not reduce employee take-home pay.

Which form controls my New Jersey state withholding?

Form NJ-W4 controls your state withholding elections (with your IRS W-4 for federal). Update after life changes and align settings with the calculator inputs.

How should I enter overtime, shift differentials, tips, and bonuses?

Enter overtime at 1.5× when eligible, add differentials/tips, and treat bonuses as supplemental wages so the calculator applies correct federal and state withholding rules.

Why did my New Jersey paycheck change this period?

Common causes: variable hours/tips, overtime/bonus, updates to W-4/NJ-W4, benefit elections, or annual tax/program rate changes. Compare current vs. prior pay stubs line by line.

Does the calculator work for nonresidents working in New Jersey?

Yes. It models NJ withholding on NJ-sourced wages for nonresidents and applies FICA/federal rules. Your home state may have separate filing or credit provisions.

Can pretax benefits increase my take-home?

Yes. 401(k)/403(b)/457(b), HSA, FSA, commuter, and Section 125 premiums can lower taxable wages and reduce income tax and, when eligible, FICA.

How are tips treated in New Jersey paycheck calculations?

Reported tips are taxable for federal, FICA, and NJ state income tax. Include cash and charged tips to ensure proper withholding and compliance with tip-credit rules.

How do multiple jobs affect my withholding?

Use the IRS multiple-jobs instructions on your W-4 and ensure NJ-W4 reflects your situation. Model each job separately to avoid under-withholding across employers.

What is Additional Medicare tax and when does it apply?

After wages exceed the federal threshold, employers must withhold Additional Medicare on the excess. There’s no employer match; it shows alongside regular Medicare on your stub.

Are bonuses and commissions taxed differently?

They’re supplemental wages. Employers may use a flat federal supplemental method or aggregate with regular wages; NJ state withholding and applicable program contributions still apply.

What do people ask on Google about the New Jersey Hourly Paycheck Calculator?

“How much will I take home in NJ?” “Why are there disability/family leave deductions?” “How to fill NJ-W4?” “Do 401(k)/HSA/FSA change net?” “How to model a bonus?”

What do Reddit users commonly discuss about New Jersey paycheck estimates?

“Is my NJ-W4 set right?” “OT vs. second job—which nets more?” “Best pretax mix to boost take-home?” “Flat vs. aggregate bonus withholding?” “Weekly vs. biweekly paycheck differences?”

What do people ask on Quora regarding New Jersey hourly pay calculators?

“Estimate net pay before accepting a job in Newark or Jersey City?” “Gross vs. taxable vs. net?” “How do W-4 and NJ-W4 interact?” “How do tips/commissions affect NJ taxes and program deductions?”