New Jersey Biweekly Paycheck Calculator
Your Estimated Biweekly Net Pay
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Gross Pay
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Total Deductions
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Net Pay
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Deductions Breakdown
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| Total Deductions | $0.00 |
Free 2025 NJ Biweekly Paycheck Calculator – Know Your Take-Home Pay Fast
The New Jersey Biweekly Paycheck Calculator is a handy tool that helps you estimate your take‑home pay every two weeks when working in New Jersey.
It factors in gross pay, typical deductions like federal and state income taxes, Social Security, Medicare, and state‑specific insurance withholdings. With this calculator, you’ll be able to quickly see how much you’ll actually receive in your paycheck — not just what your salary looks like on paper. While focused on Atlantic City, it’s helpful to understand your paycheck after taxes in Newark as a comparison point.
How Our Biweekly Paycheck Calculator Works
Our tool helps employees, freelancers, and HR managers estimate net pay for 26 pay periods per year.
Here’s what it includes:
- Federal income tax based on IRS Pub. 15-T (2025) tables.
- NJ state income tax withholding per NJ Treasury rules.
- Payroll programs: Unemployment Insurance (UI), Workforce Development (WF), Temporary Disability (TDI), and Family Leave Insurance (FLI).
- Pre-tax deductions like 401(k) contributions, HSA, or Section 125 benefits.
- Wage base limits so deductions like Social Security and UI stop when caps are reached.
For a full breakdown of formulas and tables, see our Methodology page.
Biweekly Pay in New Jersey: Key Facts for 2025
- 26 paychecks per year: Biweekly pay splits your annual salary evenly into 26 checks.
- Predictable paydays: Usually every other Friday or fixed weekday.
- Federal & state taxes: Annualized first, then divided across 26 periods.
- Payroll deductions:
- Social Security: 6.2% until you reach the $176,100 annual wage base.
- Medicare: 1.45% + additional 0.9% on wages over $200,000.
- NJ UI/WF: Contributions capped at $43,300 annual wages.
- NJ TDI/FLI: Capped at $165,400 annual wages.
- Minimum wage: $15.49/hr in NJ for 2025 affects hourly workers.
For detailed tax tables, see our 2025 Tax Rates page.
Biweekly vs. Other Pay Frequencies
| Pay Frequency | Paychecks/Year | Pros | Cons |
|---|---|---|---|
| Weekly | 52 | Faster access to cash | Smaller checks |
| Biweekly | 26 | Predictable paydays, common schedule | May not align neatly with monthly bills |
| Semimonthly | 24 | Works well for budgeting | Paydays shift with calendar |
| Monthly | 12 | Larger checks | Long gaps between paydays |
Compare with our Weekly Paycheck Calculator. If you’re unsure where to start, learn how to use a paycheck calculator in New Jersey for accurate estimates.
Why Employees Like Biweekly Pay
- Budget-friendly: Regular paydays help with bill scheduling.
- Employer-preferred: Easy payroll processing, predictable deductions.
- Tax consistency: Withholding spread evenly across pay periods.
- Two extra checks: Compared to semimonthly pay, you’ll get two extra checks each year.
Frequently Asked Questions
Does NJ tax biweekly pay differently?
No. Annual tax liability stays the same; it’s just divided across 26 pay periods.
Why do Social Security & NJ payroll taxes stop mid-year?
Deductions like Social Security, UI, TDI, and FLI stop after you reach annual wage caps.
Can I include 401(k) and HSA deductions?
Yes. Pre-tax deductions reduce taxable income, lowering federal & state withholding.
Are my results exact?
This tool provides estimates only. Actual pay depends on W-4 settings, employer payroll, and benefits.
See all questions on our FAQ page.