New Jersey Monthly Paycheck Calculator

Free & Accurate New Jersey Monthly Paycheck Calculator 2025 – Simplify Your Budget Planning

If you live or work in New Jersey, understanding how much of your salary you actually take home each month is essential. The New Jersey Monthly Paycheck Calculator makes it easy to estimate your net pay after taxes and deductions — including federal income tax, NJ state tax, Social Security, and Medicare.

Whether you’re a full-time employee or contractor, this free tool helps you plan your monthly budget, compare gross vs. net income, and ensure your paycheck aligns with your expectations for 2025.

How Our Monthly Paycheck Calculator Works

Our NJ monthly paycheck calculator helps employees, contractors, and HR pros estimate take-home pay with clear line-item details.

What’s included:

• Federal income tax using current IRS withholding methodology (2025 rules).
• New Jersey income tax using NJ’s latest tables and per-period logic.
• Payroll programs unique to NJ: UI (Unemployment Insurance), WF (Workforce Development), TDI (Temporary Disability), FLI (Family Leave Insurance)—shown as separate lines.
• Pre-tax deductions (401(k)/403(b)/457, HSA, Section 125) that reduce taxable wages.
• Wage-base limits so items like Social Security or NJ UI/TDI/FLI stop when annual caps are reached.

For full formulas and sources, see our Methodology page.

Monthly Pay in New Jersey: Key Facts for 2025

• 12 paychecks per year: Larger checks, fewer paydays; useful for longer-range budgeting.
• Taxes are annualized: Federal and NJ withholding are computed on an annual basis and divided into 12 pay periods—monthly pay does not change your annual tax liability.
• Wage-base caps (important):
  • Social Security: 6.2% until the annual wage base is reached; then it stops for the rest of the year.
  • Medicare: 1.45% on all wages; +0.9% Additional Medicare on high earners.
  • NJ UI/WF: Employee contributions stop after hitting the UI/WF wage base.
  • NJ TDI/FLI: Employee contributions stop after reaching the TDI/FLI wage base.
• Pre-tax savings lower withholding: Contributions to 401(k), 403(b), 457, HSA, and Section 125 benefits reduce taxable wages and may increase your net pay. If you’re unsure which tool to use, here’s how to find the best paycheck calculator for New Jersey.

For the latest numbers and caps, check our 2025 Tax Rates page.

Monthly vs. Other Pay Frequencies

Want to compare? Try our Biweekly, Weekly calculators.

Tips to Increase Your Monthly Take-Home Pay (Legally)

• Use pre-tax benefits: 401(k)/403(b)/457, HSA, and Section 125 plans reduce taxable income.
• Tune your W-4 settings: Ensure your filing status and dependent amounts reflect your current situation.
• Track wage-base milestones: When Social Security or NJ UI/TDI/FLI stop mid-year, your net pay should rise—this is normal.
• Review benefits timing: Mid-year enrollment or plan changes can affect per-paycheck deductions.

Be sure to review your paycheck calculation if you’re salaried to reflect accurate income in Atlantic City.

Frequently Asked Questions

Does NJ tax monthly pay differently than other frequencies?

No. Taxes are computed on an annualized basis and divided by 12 pay periods. Your annual tax is the same regardless of pay frequency.

Why did Social Security or NJ payroll deductions stop partway through the year?

You likely hit an annual wage-base limit. Once a cap is reached, that line item stops for the rest of the calendar year, increasing your net pay.

Can I include 401(k)/HSA in this calculator?

Yes. The calculator supports pre-tax deductions like 401(k) and HSA, which reduce taxable wages and usually increase net pay.