New Jersey Income Tax Calculator 2026
Calculate your combined federal and New Jersey state income tax for 2026. See your federal brackets, New Jersey tax, effective rate, and take-home pay — all calculated privately in your browser.
New Jersey Income Tax: Graduated Brackets Up to 10.75%
New Jersey uses a progressive income tax system with 7 brackets. Rates range from 1.4% to 10.75%, with higher income taxed at higher rates. New Jersey has the third-highest top state income tax rate in the nation at 10.75%.
Like federal taxes, New Jersey's system is marginal — only the income within each bracket is taxed at that bracket's rate. Combined with federal taxes (10%–37%), New Jersey residents can face a total marginal rate of up to 47.75% on their highest dollars of income.
New Jersey Tax Brackets for 2026 (Single Filer)
The New Jersey income tax brackets for single filers are:
- 1.4% on income from $0 to $20,000
- 1.75% on income from $20,000 to $35,000
- 3.5% on income from $35,000 to $40,000
- 5.525% on income from $40,000 to $75,000
- 6.37% on income from $75,000 to $500,000
- 8.97% on income from $500,000 to $1,000,000
- 10.75% on income over $1,000,000
Your marginal rate is the rate on your last dollar of income. Your effective rate (total tax divided by total income) is always lower because of the progressive structure.
Tips to Lower Your New Jersey Tax
Maximize pre-tax retirement contributions to reduce both federal and New Jersey taxable income. The 2026 401(k) limit is $24,500 ($32,500 with catch-up for age 50+). If New Jersey conforms to federal deductions, your standard deduction and itemized expenses also reduce your state tax liability.