How New Jersey taxes your paycheck in 2026
New Jersey taxes income from 1.4% to 10.75%, and workers also pay small contributions for unemployment, disability and family leave insurance.
- New Jersey has no standard deduction. Instead, each person gets a $1,000 exemption, so tax starts on almost your first dollar.
- For 2026, workers pay 0.425% for unemployment (up to $190.40 a year), 0.19% for disability insurance (up to $325.09) and 0.23% for Family Leave Insurance (up to $393.53). Disability and family leave rates both fell from 2025.
- Married couples and heads of household get wider brackets, including a 2.45% bracket that single filers don't have.
- New Jersey towns don't charge income tax on wages.
New Jersey 2026 income tax brackets
| Rate | Single | Married filing jointly |
|---|---|---|
| 1.4% | $0 – $20,000 | $0 – $20,000 |
| 1.75% | $20,000 – $35,000 | $20,000 – $50,000 |
| 3.5% | $35,000 – $40,000 | $50,000 – $70,000 |
| 5.525% | $40,000 – $75,000 | $70,000 – $80,000 |
| 6.37% | $75,000 – $500,000 | $80,000 – $150,000 |
| 8.97% | $500,000 – $1,000,000 | $150,000 – $500,000 |
| 10.75% | Over $1,000,000 | $500,000 – $1,000,000 |
Brackets apply to taxable income, after the state standard deduction.
Take-home pay in New Jersey at common salaries
| Salary | Take-home per year | Every 2 weeks | New Jersey taxes | Total tax rate |
|---|---|---|---|---|
| $40,000 | $33,300 | $1,281 | $1,020 | 16.8% |
| $60,000 | $48,180 | $1,853 | $2,210 | 19.7% |
| $75,000 | $58,491 | $2,250 | $3,101 | 22.0% |
| $100,000 | $74,390 | $2,861 | $4,790 | 25.6% |
| $150,000 | $105,606 | $4,062 | $8,185 | 29.6% |
Single filer, paid every two weeks, no 401(k) or pre-tax benefits, excluding local taxes.
Example
A single filer in New Jersey earning $75,000 a year, paid every two weeks with no 401(k), takes home about $2,250 per paycheck, or $58,491 a year. Federal income tax is about $7,670, Social Security and Medicare $5,738, and New Jersey taxes $3,101.
Not in New Jersey?
Use our main paycheck calculator for any state, or browse paycheck calculators by state.
This calculator estimates your yearly tax and spreads it evenly across paychecks. Your employer's withholding depends on your W-4 and state forms, so individual paychecks can differ slightly. It doesn't include tax credits such as the Child Tax Credit.
Common questions
What are New Jersey's income tax rates for 2026?
For single filers: 1.4%, 1.75%, 3.5%, 5.525%, 6.37%, 8.97% and 10.75%. Married couples have eight brackets, including 2.45%.
What is deducted from a New Jersey paycheck besides income tax?
Unemployment insurance (0.425%), disability insurance (0.19%) and Family Leave Insurance (0.23%), each with an annual cap. Together they come to about $720 a year at most.
Does New Jersey have a standard deduction?
No. New Jersey uses a $1,000 personal exemption per person instead.
How much is $75,000 a year after taxes in New Jersey?
About $58,491 a year, or $2,250 every two weeks, for a single filer with no 401(k) contributions.
More calculators
- Paycheck calculatorTake-home pay after taxes and 401(k)
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Last updated .