New Jersey income tax in 2026
New Jersey taxes wages at 1.4% to 10.75% of taxable income. There's no standard deduction: each filer and spouse gets a $1,000 exemption ($1,000 more at 65+) and each dependent $1,500. Only 401(k) deferrals are excluded from wages; health, HSA and FSA payroll deductions are taxed. No tax is due on income of $10,000 or less ($20,000 for joint and head-of-household returns).
| Taxable income | 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 | 5.525% |
| $75,000 to $500,000 | 6.37% |
| $500,000 to $1,000,000 | 8.97% |
| Over $1,000,000 | 10.75% |
| Taxable income | 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 | 5.525% |
| $150,000 to $500,000 | 6.37% |
| $500,000 to $1,000,000 | 8.97% |
| Over $1,000,000 | 10.75% |
| Taxable income | 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 | 5.525% |
| $150,000 to $500,000 | 6.37% |
| $500,000 to $1,000,000 | 8.97% |
| Over $1,000,000 | 10.75% |
403(b) and 457 contributions are taxable in New Jersey; the retirement amount entered is treated as 401(k), which isn't.
Examples
- Single, $60,000: take-home about $48,623 a year ($4,052 a month) after $5,020 federal tax, $4,590 FICA and $1,767 New Jersey tax.
- Married, $120,000, two children under 17: about $101,601 a year ($8,467 a month) after $5,640 federal tax (after the Child Tax Credit), $9,180 FICA and $3,579 New Jersey tax.
Both use the federal standard deduction and no pre-tax deductions; change any detail in the calculator above.
Questions
What is New Jersey's income tax rate in 2026?
New Jersey taxes wages at 1.4% to 10.75% of taxable income in 2026. There's no standard deduction: each filer and spouse gets a $1,000 exemption ($1,000 more at 65+) and each dependent $1,500. Only 401(k) deferrals are excluded from wages; health, HSA and FSA payroll deductions are taxed. No tax is due on income of $10,000 or less ($20,000 for joint and head-of-household returns).
How much is $60,000 a year after tax in New Jersey?
For a single filer with no pre-tax deductions, about $48,623 a year ($4,052 a month): $5,020 federal income tax, $4,590 Social Security and Medicare and $1,767 New Jersey income tax.
Are there local income taxes in New Jersey?
No city or county income taxes apply to most New Jersey residents' wages.
New Jersey rules checked on 2026-10-01: nj.gov, nj.gov, nj.gov. Federal figures from the IRS (Rev. Proc. 2025-32). An estimate, not tax advice.