New Jersey Paycheck Calculator
2026 New Jersey take-home pay after federal tax, state income tax, Social Security and Medicare.
New Jersey taxes at a glance (2026)
New Jersey has a graduated income tax with a standard deduction of $0 (single) / $0 (married). Graduated tax (1.4%-10.75%), one of the highest top US rates. Single/MFS use Rate Table A (7 brackets); MFJ/HoH/QSS use Rate Table B (8 brackets - includes an extra 2.45% rung at $50k-$70k and wider lower brackets). The 8.97% rate spans $500k-$1M and the top 10.75% rate begins OVER $1,000,000 for BOTH Single and MFJ (they share the same $1M top threshold; MFJ does NOT hit 10.75% earlier). NO standard deduction - instead NJ allows a $1,000 personal exemption per filer/spouse/dependent ($1,500 per dependent), plus extra $1,000 for age 65+/blind/disabled. NO local/city income tax (Newark payroll tax is on employers, not a personal income tax like NYC's). Social Security benefits are FULLY EXEMPT from NJ income tax. Pension/retirement income exclusion: up to $100,000 MFJ / $75,000 single / $50,000 MFS for those 62+ with gross income at/under $150,000 (phased exclusion tiers between $100k-$150k). Property tax deduction up to $15,000 or $50 credit. NJ EITC = 40% of federal. A bill (S4930) proposed converting to a flat tax but is not enacted; the graduated schedule above remains in effect for TY2026.
New Jersey income tax brackets and rates