New Jersey Take-Home Pay Calculator
6.37% for most middle-income earnersEstimate your net paycheck after federal taxes, FICA, and New Jersey state income tax.
Last updated: April 2026
New Jersey Income Tax
New Jersey has a graduated income tax with rates from 1.4% to 10.75% (on incomes over $1 million). Most middle-income earners pay around 6.37%.
New Jersey State Income Tax: What You Need to Know
New Jersey has a graduated income tax with rates from 1.4% to 10.75% (on incomes over $1 million). Most middle-income earners pay around 6.37%.
New Jersey has one of the more complex graduated income tax structures, with seven brackets ranging from 1.4% to 10.75%. The 6.37% bracket applies to income from $75,000 to $500,000, covering most middle and upper-middle income earners. New Jersey does not have a city income tax on wages — Newark, Jersey City, and all other NJ cities add no local withholding. New Jersey's high property taxes (averaging over $9,000/year — among the highest nationally) mean the overall state and local tax burden is significant even for moderate earners.
On top of state taxes, all workers also pay federal income tax based on the 2026 progressive brackets, plus FICA taxes: Social Security (6.2% up to $176,100) and Medicare (1.45% on all wages).
Our calculator applies New Jersey's 6.37% for most middle-income earners to your gross income as a simplified estimate. Actual state taxes may vary based on deductions, exemptions, and local taxes not captured in this estimate.
New Jersey Income Tax Brackets (2026, Single Filers)
| Income Range | Tax Rate |
|---|---|
| $0 – $20,000 | 1.40% |
| $20,000 – $35,000 | 1.75% |
| $35,000 – $40,000 | 3.50% |
| $40,000 – $75,000 | 5.53% |
| $75,000 – $500,000 | 6.37% |
| $500,000 – $1,000,000 | 8.97% |
| $1,000,000 – and above | 10.75% |
New Jersey Take-Home Pay Examples (2026, Single Filer)
Estimates based on standard deduction, no pre-tax deductions. Last updated: April 2026.
| Salary | Federal Tax | State Tax | FICA | Take-Home |
|---|---|---|---|---|
| $40,000 | $3,167 | $718 | $3,060 | $33,055 |
| $60,000 | $6,617 | $1,823 | $4,590 | $46,970 |
| $80,000 | $10,817 | $2,970 | $6,120 | $60,093 |
| $100,000 | $15,617 | $4,244 | $7,650 | $72,489 |
Frequently Asked Questions: New Jersey Taxes
What are New Jersey's income tax brackets for 2026?
New Jersey has seven tax brackets: 1.4% on the first $20,000, 1.75% on $20,000–$35,000, 3.5% on $35,000–$40,000, 5.525% on $40,000–$75,000, 6.37% on $75,000–$500,000, 8.97% on $500,000–$1,000,000, and 10.75% on income above $1,000,000. Note the unusual dip from 5.525% to 3.5% in the $35,000–$40,000 range — this is a quirk of New Jersey's bracket structure.
Does New Jersey have a city income tax?
No. New Jersey cities and municipalities do not impose a local income tax on wages. Newark, Jersey City, Trenton, and all other New Jersey cities add no local withholding to paychecks. New Jersey workers pay only state and federal income taxes on their wages.
Why is New Jersey's overall tax burden so high if the income tax seems moderate?
New Jersey's income tax on wages is actually relatively moderate for most earners — the top income tax rate of 6.37% doesn't kick in until $75,000. The bigger issue is property taxes: New Jersey has the highest average property taxes in the nation, with the average homeowner paying over $9,000/year. Combined with the 6.625% sales tax, New Jersey's total state and local tax burden is consistently ranked among the highest in the country despite the graduated income tax.
Does New Jersey tax Social Security benefits?
No. New Jersey does not tax Social Security benefits. New Jersey also does not tax pension income from the federal government, the state of New Jersey, or local governments. Military retirement pay is also exempt. New Jersey's retirement income exemptions are among the more generous in the Northeast.
What is New Jersey's standard deduction?
New Jersey does not have a standard deduction like the federal system. Instead, New Jersey allows a personal exemption of $1,000 per taxpayer (and various dependent exemptions). New Jersey has its own set of deductions and credits that differ significantly from the federal return — you calculate your New Jersey income separately from your federal income.
What is New Jersey's minimum wage in 2026?
New Jersey's minimum wage is $15.49/hour in 2026 for most employers, indexed to inflation under a 2019 law that set a path to $15/hour and beyond. Small businesses (fewer than 6 employees) have a lower minimum. New Jersey's minimum is among the highest in the country and well above the federal floor of $7.25.