New Jersey Paycheck Calculator 2026: What You'll Actually Take Home
In 2026, New Jersey has a progressive income tax from 1.4% to 10.75%. New Jersey has no standard deduction of its own — the calculation below uses the federal standard deduction as a proxy. Employees also pay NJ Unemployment Insurance (employee share) at 0.38% on wages up to $44,800. Employees also pay NJ Workforce Development / Supplemental Workforce Fund at 0.04% on wages up to $44,800. Employees also pay NJ Temporary Disability Insurance at 0.19% on wages up to $171,100. Employees also pay NJ Family Leave Insurance at 0.23% on wages up to $171,100. On top of that come federal income tax, Social Security (6.2% on the first $184,500 of wages) and Medicare (1.45% on all wages).
How New Jersey taxes your paycheck
New Jersey uses a graduated rate schedule with 7 brackets for single filers in 2026. Like the federal system, only the income inside each bracket is taxed at that bracket's rate — moving into a higher bracket never taxes your whole paycheck at the higher rate.
On exemptions: $1,000 per filer; $1,000 for spouse; $1,500 per dependent; additional $1,000 if age 65+ or blind; $6,000 veteran exemption; additional $1,000 per dependent under age 22 attending college full-time.
What’s taken out of a New Jersey paycheck
| Taxable income (single) | Marginal rate |
| Up to $20,000 | 1.4% |
| $20,001 – $35,000 | 1.75% |
| $35,001 – $40,000 | 3.5% |
| $40,001 – $75,000 | 5.53% |
| $75,001 – $500,000 | 6.37% |
| $500,001 – $1,000,000 | 8.97% |
| Over $1,000,000 | 10.75% |
Single-filer schedule. Married and head-of-household thresholds differ; the calculator below uses the correct schedule for the filing status you pick.
Example: a $75,000 salary in New Jersey
On a $75,000 salary as a single filer: federal taxable income is $75,000 − $16,100 = $58,900, giving $7,670 of federal tax. State taxable income is $58,900, giving $1,762 of state tax. FICA takes $4,650 (Social Security) + $1,088 (Medicare) plus $505 in state payroll taxes. Estimated take-home: $59,325 per year ($2,282 per biweekly paycheck).
| Gross salary | $75,000 |
| Federal income tax | −$7,670 |
| State income tax (NJ) | −$1,762 |
| Social Security (6.2%) | −$4,650 |
| Medicare (1.45%) | −$1,088 |
| NJ Unemployment Insurance (employee share) | −$171 |
| NJ Workforce Development / Supplemental Workforce Fund | −$19 |
| NJ Temporary Disability Insurance | −$142 |
| NJ Family Leave Insurance | −$172 |
| Estimated take-home | $59,325 |
| Effective tax rate | 20.9% |
Single filer, standard deduction, no pre-tax contributions. The interactive calculator above recomputes this for any salary and filing status.
A note on local taxes in New Jersey
New Jersey has no local income tax.
New Jersey take-home pay: frequently asked questions
Does New Jersey have a state income tax in 2026?
Yes. New Jersey has a progressive income tax from 1.4% to 10.75% in 2026.
What are New Jersey's 2026 tax brackets and standard deduction?
7 brackets for single filers, from 1.4% to 10.75%. New Jersey has no standard deduction of its own; the model uses the federal standard deduction ($16,100 single) as a proxy.
What payroll taxes come out of a New Jersey paycheck?
Yes — beyond FICA, employees pay: NJ Unemployment Insurance (employee share) (0.38% up to $44,800 in wages); NJ Workforce Development / Supplemental Workforce Fund (0.04% up to $44,800 in wages); NJ Temporary Disability Insurance (0.19% up to $171,100 in wages); NJ Family Leave Insurance (0.23% up to $171,100 in wages). These are included in the calculator above.
Are there local income taxes in New Jersey?
New Jersey has no local income tax.
Does New Jersey have a personal exemption?
$1,000 per filer; $1,000 for spouse; $1,500 per dependent; additional $1,000 if age 65+ or blind; $6,000 veteran exemption; additional $1,000 per dependent under age 22 attending college full-time.
Methodology & sources
State figures come from the site's versioned 2026 tax dataset (v1.0.0, researched 2026-10-11),
regenerated into this page automatically. Model: state taxable income = gross pay minus the state's 2026
standard deduction (New Jersey has no standard deduction of its own, so the federal standard deduction is used as a proxy);
state brackets applied marginally; employee-paid state payroll taxes added at their 2026 rates and wage bases
(with published annual caps). Federal tax uses 2026 IRS brackets and standard deductions; FICA uses the 2026
Social Security wage base ($184,500) and Medicare rates. Personal exemption credits/deductions and
individual tax credits are not modeled — the result is an estimate, not a tax return.
State sources
Federal sources
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