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New Jersey Paycheck Calculator

Calculate your New Jersey take-home pay after federal taxes, FICA, and NJ progressive income tax (1.4%-10.75%). Free 2026 paycheck calculator for NJ residents.

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New Jersey Paycheck Calculator: Calculate Your 2026 Take-Home Pay

Our New Jersey Paycheck Calculator helps you estimate your net (take-home) pay after federal taxes, FICA (Social Security and Medicare), New Jersey state income tax, and pre-tax deductions. New Jersey uses progressive income tax brackets from 1.4% to 10.75%, with the rates varying significantly based on your income level and filing status. This tool provides a detailed breakdown of your earnings and deductions for the 2026 tax year. Compare with neighboring states using the Take-Home Paycheck Calculator.

How New Jersey State Income Tax Works

New Jersey has seven to eight income tax brackets (depending on filing status) ranging from 1.4% to 10.75%. The state does not offer a standard deduction but provides a $1,000 personal exemption per filer ($2,000 for married filing jointly). Single filers earning between $75,000 and $500,000 fall in the 6.37% bracket, which covers the widest income range.

Key features of New Jersey state income tax:

  • Progressive rates from 1.4% to 10.75% across seven brackets
  • No standard deduction; $1,000 personal exemption per filer
  • Different bracket schedules for single vs. married filers
  • Top rate of 10.75% kicks in at $1,000,000 for all filers

Federal Tax and FICA Deductions

This calculator applies the 2026 federal income tax brackets based on your filing status. The standard deduction for 2026 is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household. FICA taxes include Social Security at 6.2%, Medicare at 1.45%, and Additional Medicare at 0.9% for high earners. Also check the Overtime Pay Calculator and Pay Raise Calculator for more payroll planning.

How This Is Calculated

This calculator is based on 2026 IRS federal tax brackets and FICA, plus each state's latest published income-tax schedule. Pre-tax deductions (401(k), HSA, health premiums) reduce your taxable income before federal and state taxes are applied.

Sources:

Frequently Asked Questions

What is the New Jersey state income tax rate for 2026?

New Jersey has progressive income tax rates from 1.4% to 10.75% for 2026. Single filers pay 1.4% on the first $20,000, with rates stepping up through six more brackets. The 6.37% bracket covers the widest range ($75,000 to $500,000 for single filers), meaning most middle-income New Jersey residents pay this rate on the majority of their income.

Does New Jersey have a standard deduction?

No, New Jersey does not offer a standard deduction. Instead, the state provides a $1,000 personal exemption for single filers and $2,000 for married filing jointly. This means your New Jersey taxable income starts from your federal gross income without a deduction, though certain adjustments and credits may apply.

Does New Jersey have local income taxes?

No, New Jersey does not impose local or county income taxes on wages. Unlike some neighboring states, your state income tax burden is limited to the New Jersey state income tax. However, New Jersey does withhold employee disability, family leave, and unemployment insurance contributions that are not included in this estimate.

How does pay frequency affect my New Jersey tax withholding?

Your total annual tax liability depends on your annual income, not how often you are paid. Changing from biweekly to monthly simply divides the same annual take-home into fewer, larger payments. Annual totals remain the same regardless of pay frequency.

Does New Jersey tax Social Security and retirement income?

New Jersey does not tax Social Security benefits. Additionally, New Jersey offers a retirement income exclusion of up to $100,000 (joint filers) or $75,000 (single) for taxpayers aged 62 and older, or those who are permanently and totally disabled, subject to income limits. This can significantly reduce your New Jersey tax liability in retirement.

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