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. NJ may also withhold employee contributions to state programs like unemployment insurance, temporary disability insurance, and family leave insurance. Employers fund SUTA, FUTA, workers’ compensation, and 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) and contributions to state insurance programs.
Local (employee): NJ generally does not impose local wage/income taxes.
Employer: NJ SUTA; FUTA; workers’ compensation; possible employer-side municipal payroll taxes (do not reduce employee net).
Pretax deductions: May lower federal/state taxable wages and, when eligible, FICA.

How Your New Jersey Paycheck Works

Net pay equals gross wages (regular, overtime, tips, differentials, bonuses) minus pretax deductions, then minus FICA, federal and NJ income tax, and any applicable employee program contributions. The calculator itemizes hours, rates, taxable wages, withholdings, deductions, and take-home pay.

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 net pay.
Supplemental pay: Compare flat vs. aggregate federal methods for bonuses/commissions.

New Jersey Employer SUTA — 10 Years

Replace placeholders with official NJ Department of Labor (NJDOL) figures before publishing.

Year	Taxable Wage Base (USD)	Experience-Rated Range (%)	New Employer Rate (%)	Notes
2025	—	—	—	Verify with NJDOL
2024	—	—	—	Verify with NJDOL
2023	—	—	—	Verify with NJDOL
2022	—	—	—	Verify with NJDOL
2021	—	—	—	Verify with NJDOL
2020	—	—	—	Verify with NJDOL
2019	—	—	—	Verify with NJDOL
2018	—	—	—	Verify with NJDOL
2017	—	—	—	Verify with NJDOL
2016	—	—	—	Verify with NJDOL

New Jersey Salary Threshold

NJ follows FLSA and state rules. Exempt status requires passing duties tests and meeting the salary-basis threshold. Job titles alone do not confer exemption. Confirm NJ minimum wage, tip-credit/service-charge practices, paid sick leave, and sector-specific standards when classifying roles and calculating overtime.

Median Household Income — New Jersey — 10 Years

Insert latest U.S. Census/ACS estimates before publishing.

Year	Median Household Income (USD)	Source/Notes
2024	—	ACS 1-year (update)
2023	—	ACS 1-year (update)
2022	—	ACS 1-year
2021	—	ACS 1-year
2020	—	ACS 1-year
2019	—	ACS 1-year
2018	—	ACS 1-year
2017	—	ACS 1-year
2016	—	ACS 1-year
2015	—	ACS 1-year

FICA in New Jersey

FICA applies federally: employees pay Social Security and Medicare; employers match both. Additional Medicare tax applies above federal threshold; no employer match. Eligible pretax benefits can reduce FICA-taxable wages.

Local Income Taxes

50-word summary: NJ municipalities generally do not levy employee local income taxes. Withholding lines are state income tax and FICA, plus benefits or court orders. Some cities impose employer-side payroll taxes that do not reduce employee net pay. Multistate commuters may face other local taxes; confirm residency and worksite rules.

Illustrative NJ Local Wage/Income Tax Table

City	Employee Local Income Tax?	Typical Rate	Notes
Newark	No	N/A	Employer payroll tax may apply; not withheld from employee
Jersey City	No	N/A	Employer payroll tax may apply; not withheld from employee
Trenton	No	N/A	No municipal wage tax on employees

Wage & Hour Laws: Overtime, Pay Frequency

Overtime: Non-exempt employees earn 1.5× after 40 hours/week; NJ may have additional sector-specific rules.
Pay frequency: Regular schedule (commonly biweekly or semimonthly) with itemized statements.
Leave programs: State paid sick leave applies; verify accrual, usage, and carryover rules.

Additional NJ Forms

IRS Form W-4 (federal)
New Jersey Form NJ-W4 (state withholding)
Form I-9; NJ new-hire reporting
Direct deposit authorization; benefits enrollment (401(k), HSA, FSA, insurance)
NJ unemployment (employer) registration; required workplace posters

FAQs: New Jersey Hourly Paycheck Calculator

How do I use the calculator?

Enter hourly rate, hours, overtime, tips, pay frequency, filing status, dependents/credits, and deductions. Calculator applies FICA, federal and NJ withholding, and program contributions to show net pay.

Why does my NJ pay stub show state program deductions?

Contributions for unemployment, disability, and family leave insurance are withheld from employees; these are separate from state income tax.

Does NJ have city income taxes?

No. Employees generally don’t pay local taxes; some cities may have employer-side payroll taxes that do not reduce employee net pay.

Which form controls NJ withholding?

Form NJ-W4 (state) in coordination with IRS W-4 (federal). Update after life changes and align with calculator inputs.

How to enter overtime, tips, bonuses?

Overtime at 1.5×, add shift differentials/tips, and enter bonuses as supplemental wages to calculate proper federal and state withholding.

Why did my paycheck change?

Variable hours/tips, overtime/bonus, updated W-4/NJ-W4, benefits, or annual tax/program rate changes.

Does the calculator work for nonresidents?

Yes. NJ withholding applies to NJ-sourced wages; federal/FICA applies. Home state may have separate rules.

Pretax benefits increase take-home?

401(k)/403(b)/457(b), HSA, FSA, commuter, Section 125 premiums reduce taxable wages, lowering tax and possibly FICA.

Tips treatment?

Taxable for federal, FICA, and NJ state; include cash and charged tips for proper withholding.

Multiple jobs affect withholding?

Follow IRS instructions; ensure NJ-W4 reflects multiple jobs; model separately to avoid under-withholding.

Additional Medicare tax?

Applies above federal threshold; no employer match.

Bonuses and commissions?

Supplemental wages; federal flat or aggregate method applies; NJ withholding and program contributions still apply.