If you’re working in Newark, New Jersey, and trying to figure out what your actual paycheck will look like after taxes, you’re not alone. Between federal, state, and potential local deductions, it can be tough to estimate your net income — the amount that actually hits your bank account.
This guide explains how to calculate your take-home pay in Newark, what taxes apply, and how your income, benefits, and pay frequency can all affect what you earn after deductions.
What Taxes Are Taken Out of Your Paycheck in Newark?
When you’re employed in Newark, your paycheck includes a series of mandatory tax withholdings:
1. Federal Income Tax
This is based on your income level and filing status. The IRS withholds this directly from your paycheck.
2. FICA Taxes
You’ll pay:
- 6.2% for Social Security (on earnings up to $168,600 for 2025)
- 1.45% for Medicare
If you earn more than $200,000, there’s an additional 0.9% Medicare tax.
3. New Jersey State Income Tax
New Jersey has a progressive tax system. Here are some sample brackets for single filers in 2025:
| Income Range | State Tax Rate |
|---|---|
| Up to $20,000 | 1.4% |
| $20,001 – $35,000 | 1.75% |
| $35,001 – $40,000 | 3.5% |
| $40,001 – $75,000 | 5.525% |
| $75,001 – $500,000 | 6.37% |
The more you earn, the higher the rate on each portion of your income.
4. Newark-Specific Withholdings
Newark doesn’t impose its own municipal income tax like some cities (e.g., NYC). However, some employers in Newark deduct a local payroll tax of 1% for non-resident employees. This only applies if:
- You work in Newark
- You live outside of Newark
If you live and work in Newark, this usually won’t apply. Still, check your pay stub or ask your HR department.
Sample Take-Home Pay Examples in Newark
Here’s how different salaries break down after federal, state, and potential local deductions. These are estimates for single filers with no dependents and standard deductions.
| Gross Annual Salary | Pay Frequency | Estimated Monthly Take-Home |
|---|---|---|
| $50,000 | Biweekly | ~$3,200 |
| $80,000 | Biweekly | ~$4,700 |
| $120,000 | Monthly | ~$6,950 |
These figures include:
- Federal withholding
- Social Security and Medicare
- New Jersey state income tax
- No additional pre-tax benefits (e.g., health insurance)
Want to see your personalized numbers? Try our Newark paycheck calculator for a detailed breakdown based on your actual pay frequency and benefits.
How Your Take-Home Pay Changes in Newark
Several factors can increase or decrease your net paycheck — even at the same salary.
Pay Frequency
Being paid weekly, biweekly, or monthly changes how deductions are distributed across your paychecks.
If your health insurance costs $300/month, that’s:
- $150 per biweekly paycheck
- $75 per weekly paycheck
To estimate this more accurately, use our biweekly paycheck calculator for net pay.
Pre-Tax Deductions
Pre-tax benefits like:
- 401(k) contributions
- Health insurance
- HSA/FSA accounts
…are deducted before taxes, reducing your taxable income and increasing your take-home pay.
Filing Status and Dependents
Married couples, heads of household, and parents with dependents can withhold less in taxes — meaning more money per paycheck.
Example: $75,000 Salary in Newark (Biweekly Pay)
Let’s say you:
- Earn $75,000/year
- Are paid every other week
- Contribute 5% to a 401(k)
- Have $250/month in pre-tax health premiums
- Live in Newark
Your paycheck would break down roughly as follows:
- Gross per pay period: $2,884.61
- 401(k) deduction (5%): -$144.23
- Health insurance (biweekly share): -$125
- Taxable income after pre-tax deductions: $2,615.38
- Federal tax withheld: ~$310
- FICA (SS + Medicare): ~$200
- State tax withheld: ~$140
- Net Pay: ~$1,965
So you’d take home just under $2,000 every other week. Use our gross to net calculator to plug in your exact numbers.
Frequently Asked Questions
How much tax is taken from my paycheck in Newark, NJ?
Federal, FICA, and NJ state taxes apply. If you work in Newark but live elsewhere, a 1% local payroll tax may also apply.
Does Newark have its own income tax?
Not directly. However, there is a payroll tax for employers in Newark when employees live outside the city.
What percent of my salary goes to taxes in Newark?
On average, 25% to 35% of your gross salary will go toward taxes, depending on your income level, deductions, and filing status.
How can I increase my take-home pay?
Contribute to pre-tax benefits like 401(k) and health plans. Check your W-4 form for accurate withholding.
If I live in Newark but work remotely, how does that affect my taxes?
You’ll still pay NJ state tax. The payroll tax won’t apply if your employer isn’t located in Newark.
Final Thoughts
Your gross salary isn’t what you take home — and in Newark, that difference can be thousands of dollars per year. Use paycheck calculators, review your deductions, and understand your tax breakdown to take control of your finances
“Estimate your earnings using our Newark Paycheck Calculator for accurate city-based results.”
“Compare your results with the New Jersey Paycheck Calculator for statewide take-home pay estimates.”
“Use the New Jersey Payroll Tax Calculator to include state and federal deductions.”
“Learn more about New Jersey Income Tax Brackets and how they impact your Newark paycheck.”
“Understand NJ-W4 Withholding Rules to optimize your take-home pay.”
“Check your post-tax income using the New Jersey Gross-to-Net Paycheck Calculator.”
Juanita is the creator behind njpaycheckcalculator.org, dedicated to providing accurate and easy-to-use paycheck calculation tools for New Jersey residents. With a strong focus on clarity and reliability, she helps users understand their paychecks and tax deductions with confidence. Juanita is passionate about simplifying complex financial calculations, empowering users to make informed decisions about their income and budgeting.