New Jersey charges 1.4-10.75% state income tax. Use the tax refund estimator pre-loaded with New Jersey rates.
Open Tax Refund Estimator →In New Jersey, you may receive refunds at both the federal and state level. Your state refund depends on how your employer's graduated withholding compared to your actual New Jersey tax liability. Common reasons for a state refund include credits, deductions, or withholding calibrated for a higher income than you actually earned. Use this estimator to project both your federal and New Jersey state refund amounts.
New Jersey uses a graduated income tax with brackets ranging from 1.4-10.75%. Lower income is taxed at lower rates, with the 10.75% top rate applying only to income in the highest bracket. This progressive structure means your effective state tax rate is always lower than the top marginal rate. New Jersey does not have local income taxes, so the state graduated rate is the total state-level income tax burden.
The table below shows what you actually keep at five salary levels in New Jersey, accounting for federal tax, FICA, and New Jersey's graduated (1.4-10.75%) state tax.
See how New Jersey compares to other Northeast states. Each link takes you to the tax refund estimator landing page for that state.
For a comprehensive breakdown of New Jersey’s tax structure, salary comparisons, cost-of-living analysis, and more, visit the full New Jersey take-home pay page.