How New Jersey taxes your paycheck
New Jersey uses two schedules: Table A (single, married filing separately) with seven brackets and Table B (married filing jointly, head of household, qualifying widow(er)) with eight brackets, both running from 1.4% to 10.75% over $1 million. Rates have been unchanged since 2020 and are confirmed for 2026 by the 2026 NJ-1040-ES; the FY2027 budget left rates alone (it limited the alternative business calculation for high earners and raised the NJ child tax credit 25% for 2026-2028). There is no standard deduction; each filer gets a $1,000 regular exemption ($2,000 on a joint return), plus $1,500 per dependent.
2026 New Jersey income tax brackets
| Taxable income (single) | Rate |
|---|---|
| $0 to $20,000 | 1.4% |
| $20,000 to $35,000 | 1.75% |
| $35,000 to $40,000 | 3.5% |
| $40,000 to $75,000 | 5.53% |
| $75,000 to $500,000 | 6.37% |
| $500,000 to $1,000,000 | 8.97% |
| Over $1,000,000 | 10.75% |
| Taxable income (married filing jointly) | Rate |
|---|---|
| $0 to $20,000 | 1.4% |
| $20,000 to $50,000 | 1.75% |
| $50,000 to $70,000 | 2.45% |
| $70,000 to $80,000 | 3.5% |
| $80,000 to $150,000 | 5.53% |
| $150,000 to $500,000 | 6.37% |
| $500,000 to $1,000,000 | 8.97% |
| Over $1,000,000 | 10.75% |
| Deduction or credit | Single | Married | Head of household |
|---|---|---|---|
| Standard deduction | $0 | $0 | $0 |
| Personal exemption | $1,000 | $2,000 | $1,000 |
New Jersey payroll programs
These employee contributions come out of each paycheck in addition to income tax.
| Program | Employee rate | Wage cap |
|---|---|---|
| Unemployment Insurance + Workforce Development/Supplemental Workforce Fund (worker) (0.3825% UI + 0.0425% WF/SWF on the first $44,800 of 2026 wages (max $190.40).) | 0.43% | $44,800 |
| Temporary Disability Insurance (worker) (2026 worker rate 0.19% (down from 0.23% in 2025) on the first $171,100 (max $325.09); employees under an approved private plan may pay differently.) | 0.19% | $171,100 |
| Family Leave Insurance (worker) (2026 worker rate 0.23% (down from 0.33% in 2025) on the first $171,100 (max $393.53); worker-only contribution.) | 0.23% | $171,100 |
Local income taxes
New Jersey municipalities do not tax residents' wages; the payroll taxes in Newark and Jersey City are paid by employers, not withheld from employees.
Take-home pay in New Jersey at common salaries
Single filer, 2026 rules, no pre-tax deductions or local taxes.
| Salary | Federal tax | FICA | New Jersey taxes | Take-home | Biweekly |
|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $691 | $25,594 | $984 |
| $40,000 | $2,620 | $3,060 | $1,021 | $33,300 | $1,281 |
| $50,000 | $3,820 | $3,825 | $1,615 | $40,740 | $1,567 |
| $60,000 | $5,020 | $4,590 | $2,210 | $48,180 | $1,853 |
| $75,000 | $7,670 | $5,738 | $3,101 | $58,491 | $2,250 |
| $100,000 | $13,170 | $7,650 | $4,790 | $74,390 | $2,861 |
| $150,000 | $24,734 | $11,475 | $8,185 | $105,606 | $4,062 |
How New Jersey compares
At a $60,000 salary, New Jersey ranks #31 of 51 for take-home pay. The table below shows the states closest in take-home pay.
Minimum wage in New Jersey
The New Jersey minimum wage is $15.92 an hour as of January 1, 2026. A full-time minimum wage job pays $33,114 a year before taxes and about $28,015 after taxes. See the full New Jersey minimum wage guide for tipped wages and scheduled increases.
What this calculator does not include
Ignores the extra exemptions (65+, blind/disabled, $6,000 veteran, $1,500 per dependent, $1,000 per dependent student), the property tax deduction/credit, the NJ EITC and child tax credit, and refunds of excess UI/TDI/FLI withheld by multiple employers. The calculator also leaves out dependents, tax credits, additional withholding on your W-4 and non-wage income. Your employer's withholding can differ from your final tax bill.
Frequently asked questions
Does New Jersey have a state income tax?
Yes. New Jersey taxes wages at graduated rates from 1.4% to 10.75% for 2026. Your employer withholds it from each paycheck along with federal taxes.
How much is $60,000 after taxes in New Jersey?
A single filer earning $60,000 in New Jersey keeps about $48,180 a year, or $4,015 a month, in 2026. That ranks 31 of 51 for take-home pay at that salary.
Does New Jersey have local income taxes?
New Jersey municipalities do not tax residents' wages; the payroll taxes in Newark and Jersey City are paid by employers, not withheld from employees.
What is the minimum wage in New Jersey?
The minimum wage in New Jersey is $15.92 an hour as of January 1, 2026. Full time, that is $33,114 a year before taxes and about $28,015 after taxes for a single filer.
Sources
- NJ Division of Taxation, 2026 Form NJ-1040-ES instructions (2026 Table A/Table B rate schedules and exemptions)
- NJ Division of Taxation, 2025 Form NJ-1040 instructions (regular exemptions, 2025 tax rate schedules and tax table)
- NJ Department of Labor and Workforce Development, Rate information, contributions, and due dates
- NJCPA, New Jersey Adopts $60.7 Billion Budget (FY2027)
- IRS Rev. Proc. 2025-32 (2026 federal tax tables)