2026 tax year · take-home pay
New Jersey Paycheck Calculator (2026)
New Jersey runs one of the most progressive income-tax schedules in the country, with six brackets ranging from 1.40% on the first taxable dollars up to 10.75% at the top, matching DC for the second-highest rate in the nation. New Jersey uses personal exemptions rather than a standard deduction. Note: Newark has an employer payroll tax, but it is not withheld from employee checks.
Your paycheck breakdown
Estimated take-home pay
$1,637.73
per paycheck · $42,580.98/yr · 18.1% withheld
- Gross pay
- $2,000.00
- − Federal income tax
- $156.15
- − Social Security
- $124.00
- − Medicare
- $29.00
- − NJ state income tax
- $53.12
- Net take-home
- $1,637.73
Estimate for tax year 2026. Withholding depends on your W-4 and employer; your actual paycheck may differ. Not tax advice.
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What to do with your take-home
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How New Jersey withholding works
New Jersey's progressive brackets: 1.40% to 10.75%
NJ's six brackets climb steeply through the middle ranges, reaching 10.75% on the highest income. Because it is marginal, most workers' effective rate is far below their top bracket. New Jersey provides no standard deduction; personal exemptions reduce taxable income instead. The exemption amounts are modest, so a relatively large share of wages flows into the bracket schedule.
Newark payroll tax: employer-side only
Newark imposes a payroll tax on employers for wages paid inside the city. This is an employer obligation, not an employee withholding, so it does not appear as a deduction on your pay stub. If you work in Newark your employer bears that tax cost, but your net pay reflects only state and federal withholding.
Rates & brackets
New Jersey's 2026 income tax rates
New Jersey taxes income in graduated brackets. Only the income inside each band is taxed at that band's rate. Here is the 2026 schedule for a single filer and for married filing jointly:
| Single: taxable income | Rate | Married filing jointly: taxable income |
|---|---|---|
| $0 – $20,000 | 1.4% | $0 – $20,000 |
| $20,000 – $35,000 | 1.75% | $20,000 – $50,000 |
| $35,000 – $40,000 | 3.5% | $50,000 – $70,000 |
| $40,000 – $75,000 | 5.53% | $70,000 – $80,000 |
| $75,000 – $500,000 | 6.37% | $80,000 – $150,000 |
| $500,000 – $1,000,000 | 8.97% | $150,000 – $500,000 |
| $1,000,000 and up | 10.75% | $500,000 – $1,000,000 |
Local income tax not included: Newark levies a local payroll tax paid by employers (not withheld from your paycheck). This calculator shows the state tax only.
Source: primary 2026 tax data, verified . See our methodology for full sources.
Worked examples
Estimated take-home at common salaries in New Jersey
Rough figures for a single filer over a full tax year, with no pre-tax deductions, a starting point before you run your own numbers above.
| Gross | Federal income tax | FICA | NJ state tax | Take-home |
|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $718 | $33,603 |
| $60,000 | $5,020 | $4,590 | $1,824 | $48,567 |
| $85,000 | $9,870 | $6,503 | $3,290 | $65,338 |
| $120,000 | $17,570 | $9,180 | $5,520 | $87,731 |
Estimates for the 2026 tax year, single filer, computed from published federal and New Jersey tax tables. Rounded to the nearest dollar. Your actual pay depends on your W-4, pre-tax deductions, and employer payroll. Not tax advice.
Common questions
New Jersey Paycheck Calculator: common questions
- What is New Jersey's income tax rate for 2026?
- New Jersey has six progressive brackets from 1.40% to 10.75%. Personal exemptions reduce taxable income; there is no standard deduction.
- Does Newark have a local income tax withheld from employees?
- No. Newark's payroll tax is levied on employers, not withheld from employees. Your NJ paycheck deductions are state income tax plus federal withholding and FICA.
- What shows up on a New Jersey pay stub?
- FICA takes Social Security at 6.2% and Medicare at 1.45%; on top of that come federal income tax and New Jersey income tax at 1.40%–10.75% progressive. Personal exemptions reduce taxable income before the brackets apply.
Other state calculators
Estimates for tax year 2026, based on published federal and state tax tables. Not tax advice. Page last updated .