New Jersey income tax in 2026
New Jersey has a graduated income tax with rates from 1.4% to 10.75% for single filers, spread across 7 brackets. Traditional 401(k) contributions lower your New Jersey taxable income as well as your federal taxable income. Personal exemptions: $1,000 single, $2,000 married filing jointly, $1,500 per dependent.
| Taxable income (single) | Rate |
|---|---|
| $0 – $20,000 | 1.4% |
| $20,000 – $35,000 | 1.75% |
| $35,000 – $40,000 | 3.5% |
| $40,000 – $75,000 | 5.53% |
| $75,000 – $500,000 | 6.37% |
| $500,000 – $1,000,000 | 8.97% |
| Over $1,000,000 | 10.75% |
| Taxable income (married filing jointly) | Rate |
|---|---|
| $0 – $20,000 | 1.4% |
| $20,000 – $50,000 | 1.75% |
| $50,000 – $70,000 | 2.45% |
| $70,000 – $80,000 | 3.5% |
| $80,000 – $150,000 | 5.53% |
| $150,000 – $500,000 | 6.37% |
| $500,000 – $1,000,000 | 8.97% |
| Over $1,000,000 | 10.75% |
New Jersey rules and notes
- New Jersey taxes gross income under its own rules (it does not start from federal AGI) and has NO standard deduction. Table A (single, married/CU partner filing separately) and Table B (married/CU couple filing jointly, head of household, qualifying surviving spouse) have been unchanged since tax year 2020 and are not indexed for inflation.
- The fourth rate is exactly 5.525% (often rounded to 5.53%). The 10.75% top rate applies to taxable income over $1,000,000 for every filing status.
- Exemptions: $1,000 each for the taxpayer and spouse/CU partner; $1,500 per dependent (child or other dependent). Additional $1,000 for each taxpayer/spouse age 65+ and for each who is blind or disabled; $1,000 per dependent attending college full time and under age 22; $6,000 for an honorably discharged veteran.
- The FY2027 budget signed June 30, 2026 did not change rates, brackets or exemptions. It raised the NJ Child Tax Credit by 25% for tax years 2026-2028 (top tier $1,250 per child) and, retroactive to Jan 1, 2026, limits the Alternative Business Calculation adjustment to 25% for gross income of $500,000-$1 million and eliminates it above $1 million.
- Other common items: property tax deduction (up to $15,000) or $50 property tax credit, pension/retirement income exclusion for age 62+ within income limits, and a state EITC equal to 40% of the federal credit.
New Jersey take-home pay by salary
Single filer, paid every two weeks, 2026 rules, standard deduction and no pre-tax deductions; includes New Jersey income tax but not local taxes.
| Salary | Federal income tax | Social Security + Medicare | New Jersey income tax | Take-home per year | Per bi-weekly paycheck |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $683 | $33,638 | $1,293.75 |
| $50,000 | $3,820 | $3,825 | $1,215 | $41,140 | $1,582.32 |
| $60,000 | $5,020 | $4,590 | $1,767 | $48,623 | $1,870.11 |
| $75,000 | $7,670 | $5,738 | $2,596 | $58,997 | $2,269.10 |
| $100,000 | $13,170 | $7,650 | $4,180 | $75,000 | $2,884.61 |
| $150,000 | $24,734 | $11,475 | $7,365 | $106,426 | $4,093.31 |
Hourly wages after taxes in New Jersey
Full-time (40 hours a week, 2,080 hours a year), no overtime, single filer:
| Hourly wage | Annual pay | Weekly take-home | Bi-weekly take-home | Take-home per year | Take-home per hour |
|---|---|---|---|---|---|
| $15.00 | $31,200 | $515.21 | $1,030.41 | $26,791 | $12.88 |
| $20.00 | $41,600 | $670.29 | $1,340.57 | $34,855 | $16.76 |
| $25.00 | $52,000 | $819.94 | $1,639.88 | $42,637 | $20.50 |
| $30.00 | $62,400 | $969.59 | $1,939.18 | $50,419 | $24.24 |
New Jersey vs. neighboring states
Take-home pay on a $75,000 salary (single, bi-weekly), with the difference from New Jersey. Federal taxes are identical in every state, so the gaps come from state income tax. On a $75,000 salary, New Jersey ranks #28 of 51 (50 states and DC) for take-home pay. Nationally, take-home pay on $75,000 ranges from $56,538 in Oregon to $61,593 in states without a wage tax; the median is $59,005.
| State | State income tax | Take-home per year | Per bi-weekly paycheck | vs. New Jersey |
|---|---|---|---|---|
| New Jersey | $2,596 | $58,997 | $2,269.10 | — |
| Pennsylvania | $2,303 | $59,290 | $2,280.38 | +$294 |
| New York | $3,453 | $58,140 | $2,236.13 | −$857 |
| Delaware | $3,609 | $57,984 | $2,230.13 | −$1,013 |
Neighboring state calculators: Pennsylvania, New York, Delaware. See all 50 states and DC on the national paycheck calculator.
How your New Jersey paycheck is calculated
- Gross pay for the year is your salary, or your hourly wage × hours × 52 plus overtime at 1.5×.
- Pre-tax deductions such as a traditional 401(k), health premiums and HSA contributions are subtracted before federal income tax.
- Federal income tax uses the 2026 brackets, your filing status’s standard deduction ($16,100 single) and credits for children and other dependents.
- Social Security and Medicare take 6.2% (up to $184,500 of wages) and 1.45%.
- New Jersey income tax is figured on the annual amount using the rules above, then divided across your paychecks.
We divide the annual totals by your number of paychecks, which is how a correctly completed 2026 Form W-4 is designed to withhold. Your employer’s withholding tables may differ by a few dollars per check. For your full-year tax bill, use the income tax calculator.
Frequently asked questions
How much is $75,000 a year after taxes in New Jersey?
A single filer earning $75,000 in New Jersey takes home about $58,997 a year in 2026, or $2,269.10 per bi-weekly paycheck. That is after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $2,596 of New Jersey income tax. Pre-tax 401(k) or health deductions would lower your taxes but also your take-home pay.
Does New Jersey have a state income tax?
Yes. New Jersey has a graduated income tax with rates from 1.4% to 10.75% for single filers in 2026. On a $75,000 salary, that works out to about $2,596 a year, or $99.85 per bi-weekly paycheck, an effective state rate of 3.46% of gross pay. Employers withhold it from each paycheck along with federal taxes.
How much is $20 an hour after taxes in New Jersey?
Full time (40 hours a week), $20 an hour is $41,600 a year. After 2026 federal income tax, Social Security and Medicare and New Jersey income tax, a single filer in New Jersey takes home about $34,855 a year, or $1,340.57 per bi-weekly paycheck, about $16.76 per hour worked.
How does take-home pay in New Jersey compare with nearby states?
On a $75,000 salary (single, bi-weekly), take-home pay is $58,997 a year in New Jersey. In neighboring states it ranges from $57,984 to $59,290; Pennsylvania (the highest nearby) is $294 higher. Federal taxes are the same everywhere, so the gap comes entirely from state income tax.
How much federal tax comes out of each paycheck on a $75,000 salary?
Federal taxes don’t depend on the state. For a single filer paid every two weeks on $75,000, about $295.00 of federal income tax, $178.85 of Social Security (6.2%) and $41.83 of Medicare (1.45%) come out of each 2026 paycheck, based on the $16,100 standard deduction. Children, pre-tax deductions and W-4 choices change the federal amount.