How much state income tax does New Jersey take from a paycheck?

New Jersey uses a graduated gross income tax ranging from 1.4% on the first $20,000 up to 10.75% on income over $1 million, with different brackets for single versus married-filing-jointly filers. The tool applies your bracket schedule after the personal exemption to estimate the withholding.

What are the NJ FLI and UI deductions on my paycheck?

New Jersey workers contribute to Family Leave Insurance (FLI) at 0.33% up to a wage base around $165,400, and to Unemployment plus Workforce funds (UI/WF/SWF) at about 0.3825% up to roughly $43,300. These small payroll deductions fund state leave and unemployment benefits.

Does New Jersey deduct for temporary disability (TDI)?

For 2025 the New Jersey Temporary Disability Insurance employee contribution rate is 0%, so nothing is withheld from your paycheck for TDI. Only the FLI and UI/WF worker contributions are deducted, which this calculator includes.

Does New Jersey allow the federal standard deduction?

No. New Jersey does not use the federal standard deduction. Its gross income tax is computed on income after pre-tax items like 401(k) and a flat personal exemption of $1,000 per filer ($2,000 if married filing jointly), which is why NJ taxable income differs from federal.

Is the take-home figure exact?

It is a close estimate using standard withholding assumptions. Your actual paycheck depends on your W-4 elections, additional pre-tax benefits like health premiums, local nuances, and any supplemental wages, so use this as a planning figure rather than an exact pay stub.

New Jersey Paycheck Calculator

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This calculator estimates a New Jersey worker’s take-home pay by layering 2025 federal income tax, New Jersey’s graduated gross income tax, FICA, and New Jersey’s FLI and UI/Workforce worker contributions. New Jersey does not use the federal standard deduction, so its taxable income is computed differently — the tool handles that.

How it works

Pay is annualized, pre-tax 401(k) is removed, then each tax is applied in turn:

gross annual = gross per period × periods per year
taxable      = gross − 401(k)

federal tax  = 2025 brackets on (taxable − federal standard deduction)
NJ tax       = NJ brackets on (taxable − $1,000 personal exemption)
Social Security = 6.2% of gross (to the wage base)
Medicare     = 1.45% of gross
NJ FLI       = 0.33% of gross up to ~$165,400
NJ UI/WF     = 0.3825% of gross up to ~$43,300

net = gross − 401(k) − federal − NJ − FICA − FLI − UI/WF

New Jersey’s TDI employee rate is 0% for 2025, so no disability contribution is withheld.

Example and notes

On a $65,000 salary, a single filer pays federal tax above the $15,000 standard deduction, New Jersey tax stepping from 1.4% to 5.525% across its brackets, 7.65% FICA, and small FLI and UI deductions — netting roughly $50,000 take-home. New Jersey applies the income tax on income after pre-tax 401(k) and a $1,000 personal exemption, not the federal standard deduction, so the state figure is higher than a naive percentage. Health premiums and other pre-tax benefits are not modelled, so your real net may be slightly lower. This is an estimate.