New Jersey State Tax Calculator 2026
Estimate your New Jersey state income tax and take-home pay for tax year 2026.
Last updated: November 2025 · Source
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New Jersey 2026 tax overview
7 brackets single / 8 brackets MFJ; "millionaire tax" 10.75% above $1M.
Breakdown
New Jersey also withholds employee Temporary Disability and Family Leave Insurance premiums; this page does not model them, so real take-home is slightly lower.
New Jersey income tax brackets, 2026
Rates apply to each slice of taxable income in turn, not to the whole amount. Reaching the 10.75% bracket does not mean paying 10.75% on everything. Figures are for single filers unless the state uses one schedule for all statuses.
| Taxable income | Rate | Tax on this bracket |
|---|---|---|
| $0 to $20,000 | 1.40% | $280 max |
| $20,000 to $35,000 | 1.75% | $263 max |
| $35,000 to $40,000 | 3.50% | $175 max |
| $40,000 to $75,000 | 5.53% | $1,934 max |
| $75,000 to $500,000 | 6.37% | $27,073 max |
| $500,000 to $1,000,000 | 8.97% | $44,850 max |
| Over $1,000,000 | 10.75% | 10.75% of everything above $1,000,000 |
Brackets apply to income after the New Jersey standard deduction of $0 single and $0 married filing jointly, which is separate from the federal standard deduction.
What this calculator does not include
Newark levies a 1% payroll tax, but it is paid by the employer rather than withheld from wages, so it does not reduce your take-home directly. New Jersey also withholds employee Temporary Disability and Family Leave Insurance premiums; this page does not model them, so real take-home is slightly lower.
Frequently Asked Questions
What are the 2026 New Jersey income tax rates?
New Jersey uses a 7-bracket progressive schedule for 2026, running from 1.40% to 10.75%. The top rate starts at $1,000,000 of taxable income. 7 brackets single / 8 brackets MFJ; "millionaire tax" 10.75% above $1M.
At what income does the top New Jersey tax rate start?
The 10.75% top rate applies to taxable income above $1,000,000. Below that, 6 lower brackets apply in sequence, so your average rate is always lower than your top rate.
What is the 2026 New Jersey standard deduction?
New Jersey allows a state standard deduction of $0 for single filers and $0 for married filing jointly in 2026. This is separate from the federal standard deduction, which is $16,100 and $32,200 respectively.
Are there local income taxes in New Jersey?
Yes. Newark levies a 1% payroll tax, but it is paid by the employer rather than withheld from wages, so it does not reduce your take-home directly.
What payroll deductions does New Jersey require besides income tax?
New Jersey also withholds employee Temporary Disability and Family Leave Insurance premiums; this page does not model them, so real take-home is slightly lower. Local income tax applies too; see the question above.
Does New Jersey have tax reciprocity with neighbouring states?
Yes. New Jersey has reciprocal agreements with Pennsylvania. If you live in one of those states and work in New Jersey, you file and pay only where you live, and you give your employer the relevant non-residence certificate so New Jersey tax is not withheld. Without that form the tax is withheld anyway and you have to file a New Jersey return to get it back.
Does New Jersey tax Social Security and retirement income?
New Jersey does not tax Social Security, and its pension exclusion removes up to $100,000 of retirement income for joint filers aged 62 and over. But it is a cliff: one dollar of income over $150,000 and the whole exclusion disappears.
What surprises people most about New Jersey income tax?
New Jersey does not allow a deduction for 401(k) contributions to the state return, so you pay New Jersey tax on money the IRS treats as untaxed.