New Jersey paycheck taxes at a glance
New Jersey has income tax from 1.4% to 10.75%. Every paycheck also has federal income tax, Social Security (6.2%) and Medicare (1.45%) withheld. This calculator uses 2026 New Jersey rules and 2026 federal brackets.
| Income tax | Progressive, 7 brackets (1.4%–10.75%) |
| Standard deduction | $0 single · $0 married |
| Personal exemption | $1,000 single · $2,000 married |
| 401(k) contributions | Excluded from state taxable wages |
| Local income taxes | None — No local income tax on individuals; the payroll taxes some NJ cities levy (e.g. Newark, Jersey City) are paid by employers. |
| State payroll deductions | NJ TDI (disability) 0.19% (wages up to $171,100), NJ FLI (family leave) 0.23% (wages up to $171,100), NJ UI + WF/SWF (worker share) 0.425% (wages up to $44,800) |
The calculator applies the main New Jersey rates, deductions, exemptions and credits above. Dependent credits, itemized deductions and special rules for very high incomes are not included.
New Jersey income tax brackets (2026)
Rates apply to New Jersey taxable income, after deductions and exemptions.
| Single | Married filing jointly |
|---|---|
| $0 – $19,999: 1.4% | $0 – $19,999: 1.4% |
| $20,000 – $34,999: 1.75% | $20,000 – $49,999: 1.75% |
| $35,000 – $39,999: 3.5% | $50,000 – $69,999: 2.45% |
| $40,000 – $74,999: 5.525% | $70,000 – $79,999: 3.5% |
| $75,000 – $499,999: 6.37% | $80,000 – $149,999: 5.525% |
| $500,000 – $999,999: 8.97% | $150,000 – $499,999: 6.37% |
| $1,000,000+: 10.75% | $500,000 – $999,999: 8.97% |
| $1,000,000+: 10.75% |
Take-home pay examples in New Jersey
Single filer, standard deduction, no 401(k), paid bi-weekly.
| Salary | Take-home / year | / month | / paycheck | State & local tax | Total tax rate |
|---|---|---|---|---|---|
| $40,000 | $33,300 | $2,775 | $1,281 | $682 | 16.8% |
| $60,000 | $48,180 | $4,015 | $1,853 | $1,767 | 19.7% |
| $80,000 | $61,678 | $5,140 | $2,372 | $2,906 | 22.9% |
| $100,000 | $74,390 | $6,199 | $2,861 | $4,180 | 25.6% |
| $150,000 | $105,606 | $8,800 | $4,062 | $7,365 | 29.6% |
Full breakdown by salary: $30,000 · $40,000 · $50,000 · $60,000 · $70,000 · $80,000 · $90,000 · $100,000 · $120,000 · $150,000
Good to know
- New Jersey's top rate of 10.75% applies to taxable income over $1 million for both single and joint filers.
- New Jersey excludes 401(k) deferrals from taxable wages but not contributions to 403(b) or 457 plans.
- In 2026 workers pay 0.19% for disability insurance and 0.23% for family leave insurance on wages up to $171,100.
Also see the New Jersey sales tax calculator.
Sources
Paycheck calculators for other states
Frequently asked questions
What is the New Jersey income tax rate for 2026?
New Jersey has a progressive income tax with 7 brackets for single filers, from 1.4% to 10.75% for 2026.
How much is $60,000 a year after taxes in New Jersey?
A single filer earning $60,000 takes home about $48,180 a year ($4,015 a month) in New Jersey, after federal income tax ($5,020), Social Security and Medicare ($4,590) and New Jersey income tax ($1,767) and state payroll deductions ($442), using 2026 rules and the standard deduction.
Are 401(k) contributions taxed in New Jersey?
No. Traditional 401(k) contributions lower both your federal and New Jersey taxable income. They are still subject to Social Security and Medicare.