New Jersey Paycheck & Income Tax Calculator

How New Jersey income tax works

New Jersey taxes income progressively across seven bands, from 1.4% on the first $20,000 up to 10.75% on income above $1,000,000. Unlike the federal system, New Jersey has no standard deduction. Instead it grants a personal exemption of $1,000 per filer, so a single earner on $75,000 is taxed on $74,000.

Three further contributions are withheld from New Jersey wages and are easy to miss when you compare job offers: unemployment and workforce development, temporary disability insurance, and family leave insurance. Each is capped at a wage base, so their effect flattens out as salary rises. Most calculators leave them out entirely; this one does not.

New Jersey tax brackets for 2026

Take-home pay at every salary in New Jersey

What a New Jersey salary is actually worth after federal tax, state tax, FICA and the three payroll contributions. Every row is produced by the calculator above.

What lands in your account each payday

On $75,000 a year in New Jersey, filing single, here is the same take-home figure split across the pay schedules employers actually use.

If you live in New Jersey but work in New York

This is the single most expensive thing to get wrong about New Jersey tax, and it applies to a large share of the state’s commuters. New Jersey and New York have no reciprocal agreement. If you live in New Jersey and work in Manhattan, New York taxes you as a non-resident on the income you earn there, and New Jersey taxes you as a resident on your worldwide income.

You are not taxed twice. New Jersey grants a credit for the tax you paid to New York, but the credit is capped at what New Jersey would have charged on that same income. Because New York’s rates are generally higher, the practical result is that you pay roughly the higher of the two — New York’s — and New Jersey collects little or nothing on your wages. A calculator showing only New Jersey rates will understate what actually leaves your pay.

Pennsylvania is the opposite case. New Jersey and Pennsylvania do have a reciprocal agreement, so a New Jersey resident working in Philadelphia pays New Jersey income tax only. Philadelphia’s city wage tax is a separate matter and is not covered by that agreement.

What New Jersey does not tax

No New Jersey municipality levies a local income tax. Unlike New York City or Philadelphia, living in Newark or Jersey City adds nothing to your income tax bill, which is why the figures above are complete for wage earners at the state level.

New Jersey also does not tax Social Security benefits, and it exempts a substantial amount of pension and retirement income for older residents who fall under the state’s income limits. The trade-off is well known: New Jersey carries the highest average property tax burden in the country. Income tax is only part of the picture when you are comparing the cost of living here against a state like Florida or Texas, which levy no income tax but recover revenue elsewhere.

Dates that matter for the 2026 tax year

New Jersey returns (Form NJ-1040) are due April 15, 2027, the same deadline as your federal return, and a federal extension does not by itself extend the state filing. If you are self-employed or have income without withholding, estimated payments run quarterly in April, June, September and the following January. The rates on this page apply to income earned between January 1 and December 31, 2026.

Questions people ask

What is the New Jersey income tax rate for 2026?

New Jersey has seven brackets running from 1.4% to 10.75%. The top 10.75% rate applies only to taxable income above $1,000,000. Most earners fall in the 1.4% to 6.37% range.

Does New Jersey have a standard deduction?

No. New Jersey uses personal exemptions instead — $1,000 per filer, $2,000 for a married couple filing jointly, with a further $1,000 each if you are 65 or older, or blind or disabled.

What are the NJ payroll deductions on my paycheck?

Three employee contributions come out of New Jersey wages in 2026: unemployment and workforce development (0.425% on the first $44,800), temporary disability insurance (0.19% on the first $171,100) and family leave insurance (0.23% on the first $171,100).

I live in NJ and work in NYC — which state taxes me?

Both, but not twice. New Jersey and New York have no reciprocal agreement, so New York taxes the income you earn there as a non-resident and New Jersey taxes you as a resident, then grants a credit for the New York tax paid. Because New York rates are usually higher, you effectively pay the higher of the two.

Does any New Jersey city charge a local income tax?

No. Unlike New York City or Philadelphia, no New Jersey municipality levies its own income tax, so where you live inside the state does not change your income tax bill.

How is a bonus taxed in New Jersey?

A bonus is ordinary income and is taxed at the same New Jersey rates as your salary. Withholding on the payment itself may be higher than your eventual liability — federal supplemental withholding is a flat 22% up to $1,000,000 — but any excess comes back when you file.

Does New Jersey tax Social Security or pensions?

New Jersey does not tax Social Security benefits at all, and it exempts a substantial amount of pension and retirement income for older residents who fall under the state income limits. This calculator covers wage income, so it does not model those exclusions.

Is my data sent anywhere?

No. The calculation runs entirely in your browser. There is no account, and the salary you type is never sent to a server or stored. It never leaves your device.