Estimate your New Jersey state income tax plus combined federal and NJ state tax for 2026. 10.75% top rate.
New Jersey has progressive income tax from 1.4% to 10.75%, with the top rate on income over $1 million. New Jersey exempts Social Security benefits and offers significant pension income exclusions. New Jersey's combined tax burden is among the highest nationally. Use the calculator above to estimate your combined federal and New Jersey state income tax for 2026. State tax figures use a simplified rate — for precise New Jersey state tax calculations, consult the New Jersey Department of Revenue or a licensed tax professional.
New Jersey has a 10.75% top rate state income tax for 2026. New Jersey has progressive income tax from 1.4% to 10.75%, with the top rate on income over $1 million. New Jersey exempts Social Security benefits and offers significant pension income exclusions. New Jersey's combined tax burden is among the highest nationally. The state income tax is calculated separately from federal income tax and is paid through payroll withholding or quarterly estimated payments.
New Jersey has its own state standard deduction separate from the federal standard deduction ($15,750 single, $31,500 MFJ in 2026). For precise New Jersey state deduction amounts, consult the New Jersey Department of Revenue or a state tax professional.
New Jersey's 10.75% top rate state income tax can be compared to other states using our state tax calculator above. The U.S. average top marginal state income tax rate is approximately 5-6%. Nine states have no income tax at all (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming), while California has the highest at 13.3%.
New Jersey offers state tax credits and deductions that may reduce your state tax liability. Common state credits include earned income credits, child tax credits, and credits for the elderly. Consult the New Jersey Department of Revenue website or a licensed tax professional for credits specific to your situation and income level.
Use the calculator above. Enter your income and NJ is pre-selected as your state. The calculator computes your 2026 federal income tax using the One Big Beautiful Bill Act brackets (10%-37%), adds your estimated New Jersey state income tax (10.75% top rate simplified), and displays your total tax burden, combined effective rate, and annual take-home pay. All calculations happen instantly in your browser.