How New Jersey taxes your paycheck
New Jersey uses a graduated income tax with 7 brackets, from 1.4% on the first slice of taxable income to 10.75% on income over $1,000,000 for single filers. Each rate applies only to the income inside its bracket, so moving into a higher bracket never lowers your take-home pay. Before the rates apply, New Jersey allows a personal exemption of $1,000 for single filers and $2,000 for married couples filing jointly.
On a $75,000 salary, a single filer owes about $2,598 in New Jersey income tax for 2026, an effective state rate of 3.46%.
| Filing status | Rate | Taxable income |
|---|---|---|
| Single | 1.4% | $0 |
| Single | 1.75% | over $20,000 |
| Single | 3.5% | over $35,000 |
| Single | 5.53% | over $40,000 |
| Single | 6.37% | over $75,000 |
| Single | 8.97% | over $500,000 |
| Single | 10.75% | over $1,000,000 |
| Married filing jointly | 1.4% | $0 |
| Married filing jointly | 1.75% | over $20,000 |
| Married filing jointly | 2.45% | over $50,000 |
| Married filing jointly | 3.5% | over $70,000 |
| Married filing jointly | 5.53% | over $80,000 |
| Married filing jointly | 6.37% | over $150,000 |
| Married filing jointly | 8.97% | over $500,000 |
| Married filing jointly | 10.75% | over $1,000,000 |
Take-home pay in New Jersey at common salaries
These figures use the 2026 federal brackets and standard deduction, Social Security and Medicare, and New Jersey state tax, for someone paid every two weeks with no 401(k) or other pre-tax deductions. Enter your own salary and deductions in the calculator above for a personal estimate.
| Salary | New Jersey tax (single) | Take-home, single | Per paycheck, single | Take-home, married |
|---|---|---|---|---|
| $40,000 | $683 | $33,638 | $1,293.75 | $35,565 |
| $60,000 | $1,768 | $48,622 | $1,870.07 | $51,569 |
| $80,000 | $2,908 | $62,202 | $2,392.39 | $67,065 |
| $100,000 | $4,182 | $74,998 | $2,884.55 | $82,070 |
| $150,000 | $7,367 | $106,424 | $4,093.24 | $117,780 |
How New Jersey compares with neighboring states
On a $75,000 salary, New Jersey's income tax is the 29th-lowest of the 50 states and DC (1st = lowest), counting the 9 states that don't tax wages at all.
Among neighboring states, Pennsylvania takes the least state income tax on $75,000 ($2,303) and Delaware the most ($3,609).
| State | State income tax | Annual take-home |
|---|---|---|
| New Jersey | $2,598 | $58,995 |
| Delaware | $3,609 | $57,984 |
| New York | $3,453 | $58,140 |
| Pennsylvania | $2,303 | $59,290 |
What this estimate leaves out
Some New Jersey jurisdictions levy payroll taxes, flat-rate wage taxes or taxes on interest and dividends, which this estimate does not include. State disability insurance and paid family-leave contributions and local income taxes are not included, and the federal figures assume the standard deduction with no credits such as the Child Tax Credit. Head-of-household and married-filing-separately returns use the state's single schedule, which a few states set separately.
Shopping in New Jersey as well? The New Jersey sales tax calculator adds state and local sales tax to any price, and the paycheck calculator is available for all 50 states and DC.