New Jersey Paycheck Calculator

Yes, the calculator utilizes the 2026 Federal tax brackets, the 2026 NJ State tax brackets, and the projected 2026 wage bases for Social Security and NJ FLI/UI.

FLI stands for Family Leave Insurance. New Jersey law mandates that employees contribute a small percentage of their wages to fund this program, which provides paid leave for family care. The calculator includes this mandatory deduction.

Yes. New Jersey has a high tax rate (10.75%) for income over certain thresholds (often $1 million or $500k depending on filing status). The calculator applies the correct high-income rates for accurate estimation.

Yes. You can add bonus income. However, be aware that bonuses are often withheld at a flat 22% federal rate and a distinct state rate. The calculator allows you to see the impact of this extra income.

WF stands for the Workforce Development Partnership Fund. It is a small tax on employees to fund job training. The New Jersey Paycheck Calculator includes this in the state benefit deduction calculations.

Yes. You can enter 401k contributions as either a percentage of salary or a fixed dollar amount. The calculator correctly treats these as pre-tax, lowering your federal and state taxable income.

Small discrepancies can occur due to rounding methods (some employers round up to the nearest dollar, others to the penny) or slight timing differences in when benefits are deducted.

State income tax is calculated on “New Jersey Taxable Wages,” which is Gross Pay minus specific pre-tax deductions (like 401k). The calculator handles this “Adjusted Gross Income” math automatically.

Yes. If you work in NJ but live elsewhere (and don’t live in PA which has reciprocity), you generally pay NJ taxes on income earned in NJ. The calculator accurately estimates NJ withholding for non-residents.

If you live in PA but work in NJ, you submit a specific form to be exempt from NJ tax and pay PA tax instead. The calculator is designed for standard NJ withholding; if you have reciprocity, your results would differ (you would pay PA rates).

Overtime pay is added to your gross income. Since taxes are progressive, earning significant overtime might push your top dollars into a higher tax bracket. The calculator reveals how much of that overtime pay you actually keep.

Yes. The New Jersey Paycheck Calculator supports Weekly, Bi-Weekly, Semi-Monthly, and Monthly pay frequencies.

New Jersey generally does not have local municipal income taxes like Ohio or Pennsylvania. The calculator focuses on State and Federal taxes. However, Newark has a payroll tax on employers, not typically deducted from employees.

If you are exempt, no federal tax is withheld. You can simulate this in the calculator by adjusting your tax settings, though claiming exempt when not eligible can lead to penalties.