How New Jersey paychecks work (2026)
In New Jersey, your take-home pay is your salary minus federal income tax, FICA (Social Security 6.2% + Medicare 1.45%) and New Jersey state income tax. This calculator uses the official 2026 rates for a single filer.
New Jersey state income tax
New Jersey has a progressive state income tax from 1.4% to 10.75%, after a $1,000 personal exemption (single). Most middle incomes sit in the 5.525%–6.37% bands.
Example: $80,000 in New Jersey
Federal tax is about $8,770, FICA $6,120, and New Jersey state tax about $2,906 — leaving a take-home of roughly $62,204 a year.
New Jersey take-home pay by salary (2026)
Estimated annual take-home for a single filer after federal income tax, Social Security and Medicare and New Jersey state income tax, using the 2026 rates. Figures are tax liability, not withholding.
| Gross salary | Take-home / year | Per month | % kept |
|---|---|---|---|
| $40,000 | $33,638 | $2,803 | 84.1% |
| $60,000 | $48,623 | $4,052 | 81.0% |
| $80,000 | $62,204 | $5,184 | 77.8% |
| $100,000 | $75,000 | $6,250 | 75.0% |
| $150,000 | $106,426 | $8,869 | 71.0% |
What often catches people out in New Jersey
- New Jersey's rates look steep (up to 10.75%), but the top rate only hits income over $1 million; middle incomes sit in the 5.525%–6.37% bands.
- There's no local city income tax — Newark's payroll tax is paid by employers, not deducted from your wages.
- Small NJ family-leave and disability insurance deductions also apply, which this calculator doesn't show.
What this calculator does not include
- Local/city taxes (none (Newark's payroll tax is employer-paid)), 401(k) and pre-tax deductions, and filing statuses other than single.
- It shows tax liability, which can differ from paycheck withholding (employers often over-withhold).
Does New Jersey tax my income?
Yes — New Jersey taxes income progressively, from 1.4% up to 10.75% on income over $1m.
What's FICA?
Social Security (6.2%) and Medicare (1.45%) payroll taxes, deducted in every state including New Jersey.
More United States calculators
This calculator provides estimates for a single filer in New Jersey for 2026 based on IRS and state figures and is for general information only — it is not financial or tax advice. It excludes local taxes, 401(k) and other deductions, and shows tax liability rather than withholding. Sources: IRS (Rev. Proc. 2025-32), New Jersey Department of Revenue.