2026 New Jersey Tax Calculator: NJ State Brackets & Take-Home Pay
Calculate your net paycheck in the Garden State. Modeled with New Jersey Division of Taxation graduated brackets (1.4% to 10.75%), personal exemptions, and 2026 federal withholdings.
Interactive New Jersey Paycheck Calculator
2026 New Jersey Take-Home Pay Estimate
Full Paycheck & Tax Withholding Schedule
Instant comparison across annual, monthly, bi-weekly, and weekly pay periods.
| Tax Category | Annual | Monthly (12x) | Bi-Weekly (26x) | Weekly (52x) | % of Gross |
|---|
2026 Federal & New Jersey Calculation Details
How New Jersey Taxes Your Paycheck in 2026
New Jersey imposes a progressive personal gross income tax with rates from 1.40% to 10.75% overseen by the New Jersey Division of Taxation. The state has separate tax rate tables for single filers versus married couples filing jointly.
2026 New Jersey Tax Brackets (Single Filers)
| New Jersey Gross Income | Statutory Rate | Tax Calculation Formula |
|---|---|---|
| $0 to $20,000 | 1.40% | 1.4% of taxable income |
| $20,000 to $35,000 | 1.75% | $280 + 1.75% over $20,000 |
| $35,000 to $40,000 | 3.50% | $542.50 + 3.5% over $35,000 |
| $40,000 to $75,000 | 5.525% | $717.50 + 5.525% over $40,000 |
| $75,000 to $500,000 | 6.37% | $2,651.25 + 6.37% over $75,000 |
| $500,000 to $1,000,000 | 8.97% | $29,723.75 + 8.97% over $500,000 |
| Over $1,000,000 | 10.75% | $74,573.75 + 10.75% over $1,000,000 |
New Jersey Exemptions & Deductions
- No Standard Deduction: Unlike the federal government, New Jersey does not offer a standard deduction. Instead, you receive personal exemptions: $1,000 for single filers, $2,000 for married couples, and $1,500 for each dependent child.
- Property Tax Deduction: Homeowners and tenants can deduct up to $15,000 of property taxes paid on their principal residence (or claim a $50 refundable credit).
- HSA Accounts: New Jersey is one of only two states (along with California) that taxes Health Savings Account (HSA) contributions and earnings.
New Jersey 2026 Paycheck Take-Home Pay Table
Estimates based on a single filer claiming 1 personal exemption ($1,000):
| Gross Salary | Federal Tax | FICA (7.65%) | NJ State Tax | Net Take-Home Pay | Effective Tax Rate |
|---|---|---|---|---|---|
| $60,000 | $5,065 | $4,590 | $1,767 | $48,578 | 19.0% |
| $85,000 | $9,742 | $6,503 | $3,225 | $65,530 | 22.9% |
| $120,000 | $17,419 | $9,180 | $5,454 | $87,947 | 26.7% |
| $175,000 | $30,019 | $13,388 | $8,958 | $122,635 | 29.9% |
| $250,000 | $51,688 | $15,618 | $13,735 | $168,959 | 32.4% |
Retirement Income Taxation in New Jersey
New Jersey offers one of the most generous retirement income exclusions in the United States for taxpayers with gross income below $150,000:
- Social Security: 100% exempt from New Jersey state income tax.
- Pension & Retirement Exclusion: Taxpayers aged 62 or older with total gross income of $100,000 or less can exclude up to $100,000 for married couples filing jointly ($75,000 for single filers) of taxable pension and 401(k) distributions. A partial exclusion phases out between $100,000 and $150,000.
Reciprocity with Pennsylvania
New Jersey and Pennsylvania have a reciprocal personal income tax agreement. Under this agreement, Pennsylvania residents working in New Jersey pay Pennsylvania's 3.07% flat income tax, and New Jersey residents working in Pennsylvania pay New Jersey state income tax. To claim this exemption, submit Form NJ-165 (Employee's Certificate of Nonresidence) to your employer.
Frequently Asked Questions About New Jersey Taxes
Do New Jersey cities charge local wage taxes?
No. New Jersey municipalities do not levy personal income taxes on residents or workers. All income tax is collected at the state level by the New Jersey Division of Taxation.
What is Form NJ-W4?
Form NJ-W4 (Employee's Withholding Allowance Certificate) tells your employer your filing rate category (A, B, C, D, or E) to calculate state income tax withholding from your paycheck.