New Jersey Take-Home Pay Calculator (2026)
New Jersey uses a progressive state income tax — multiple brackets, with the top rate of 10.75% applying only to the highest earners. The calculator below combines federal, FICA, and New Jersey state tax to show your actual take-home pay.
Take-home pay
Net annual
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Per month
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Per biweekly paycheck
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Federal income tax
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FICA (SS + Medicare)
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New Jersey state tax
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Other state payroll
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Effective tax rate
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Marginal rate (next $)
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New Jersey tax brackets (2026)
| Rate | Single filer band |
|---|---|
| 1.40% | $0 – $20,000 |
| 1.75% | $20,000 – $35,000 |
| 3.50% | $35,000 – $40,000 |
| 5.53% | $40,000 – $75,000 |
| 6.37% | $75,000 – $500,000 |
| 8.97% | $500,000 – $1,000,000 |
| 10.75% | $1,000,000 – and up |
Extra New Jersey payroll taxes
- Family Leave Insurance (FLI) — 0.230%, capped at $171,100.
- Temporary Disability Insurance (TDI) — 0.190%, capped at $171,100.
What the calculator does
For each gross salary, it applies the 2026 federal brackets, FICA (6.2% Social Security up to the $184,500 wage cap + 1.45% Medicare on everything), then New Jersey's state income tax using the brackets above, then sums any additional New Jersey payroll taxes. Pre-tax deductions (401(k), HSA, etc.) reduce your taxable income before any of the above runs.
Source
New Jersey Division of Taxation / NJ DOL 2026 disability and family leave rates. Verified 2026-06-08. For high-stakes financial decisions, double-check the current rates with your state's Department of Revenue.
FAQ
How is take-home pay in New Jersey calculated?
Take-home = gross salary − federal income tax − FICA (Social Security + Medicare) − New Jersey state income tax − state payroll taxes like Family Leave Insurance (FLI), Temporary Disability Insurance (TDI). The calculator above runs each piece through the published 2026 brackets and rates.
What are New Jersey's income tax brackets?
New Jersey has 7 brackets ranging from 1.4% on the first dollars to 10.75% on the top dollars. Only the dollars in each band are taxed at that band's rate — a higher bracket doesn't mean your whole income gets the higher rate.
What other New Jersey payroll taxes come out of my paycheck?
New Jersey workers also pay: Family Leave Insurance (FLI) (0.230%, capped at $171,100); Temporary Disability Insurance (TDI) (0.190%, capped at $171,100). These are separate from federal FICA.
What about local city or county taxes in New Jersey?
New Jersey doesn't have widespread local income taxes for most workers, so the calculator above covers the main paycheck deductions. If you live in a city with a local income tax, add that separately.
Are these 2026 numbers accurate?
These brackets reflect the published 2026 rates as of January 2026. Each state's tax authority is cited in the page source. Rates can change mid-year via legislation; verify with your state's Department of Revenue before relying on these for financial decisions.