Federal + State + FICA
NJ Income Tax Calculator – Estimate New Jersey Taxes
Estimate federal, state, and local income tax for any US location. Enter a ZIP code to see your state on the map and get accurate state and local tax (e.g. NYC).
Your financial details
Enter a ZIP code to highlight your state
Tax estimate
Your results will appear here after you run the calculator.
What is the NJ Income Tax Calculator?
Navigating the Garden State’s progressive tiers and local reciprocity laws.
Progressive Brackets
Calculates taxes across NJ’s 7 brackets, ranging from 1.4% up to the 10.75% "Millionaire’s Tax."
PA Reciprocity
Automatically handles the unique tax agreement where NJ and PA residents are only taxed by their state of residence.
FICA & SDI/FLI
Accounts for federal FICA plus NJ State Disability and Family Leave Insurance withholdings.
Personal Exemptions
Applies New Jersey’s standard $1,000 exemption for you, your spouse, and each qualifying dependent.
Residency Status
Support for full-year residents, part-year residents, and non-residents earning New Jersey source income.
1099 Support
Specialized logic for NJ freelancers to calculate self-employment tax and state estimated payments.
2024/2025 Rates
Updated with the latest Division of Taxation adjustments and current year inflation figures.
Effective Tax Rate
Visualizes exactly what percentage of your salary goes to Trenton versus the federal government.
Why Use Our New Jersey Tax Tool?
Precision planning for one of the nation's most complex and high-tax jurisdictions.
Net Pay Clarity
Know exactly what your paycheck will look like after NJ’s high-progressive rates and federal taxes.
NYC vs NJ Math
Compare take-home pay if you work in Manhattan but live in Jersey City or Hoboken.
Budget for NJ Living
New Jersey has the highest property taxes in the US; calculate your net pay to ensure housing affordability.
Instant Results
Skip the complex NJ-1040 worksheets and get a professional-grade tax estimate in milliseconds.
Private & Secure
Your financial data remains 100% private. All calculations happen locally inside your browser.
401(k) Impact
See how traditional retirement contributions lower your high NJ taxable income immediately.
Eliminate Errors
Avoid manual mistakes by using our pre-tested algorithms that match NJ's latest tax law updates.
Audit Withholding
Ensure your HR department is withholding the correct amount for the NJ GIT (Gross Income Tax).
How to Reduce Your NJ Tax Liability?
Strategic ways to keep more of your earnings using NJ-specific incentives.
Property Tax Deduction
Deduct up to $15,000 of property taxes paid on your principal NJ residence from your state income.
ANCHOR Program
Verify eligibility for the ANCHOR property tax relief program which provides direct rebates to residents.
NJBEST 529 Plan
NJ residents can deduct contributions to an NJBEST 529 plan up to $10,000 for gross incomes under $200k.
Medical Expenses
NJ allows a deduction for medical expenses exceeding only 2% of your AGI (much lower than the federal 7.5%).
Pension Exclusion
If you are 62+, you may exclude up to $100k of retirement income if your total income is below $150k.
HSA Contributions
Note: Unlike federal law, NJ does NOT allow a deduction for HSA contributions at the state level.
Charitable Gifts
Deduct donations to qualified 501(c)(3) organizations if you choose to itemize your NJ return.
Consult a Pro
Use our data as a foundation for a detailed talk with a New Jersey-certified tax professional.
