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Everyday money · NJ

New Jersey Income Tax Calculator

Estimate your 2025 combined federal and New Jersey income tax — New Jersey adds progressive state income tax on top of federal.

InputsTY-2025
$
$
$
Federal + state tax17.6% effective
$17,629/yr
10% on $11,925$1,193
12% on $36,550$4,386
22% on $35,775$7,871
federal tax subtotal$13,449
NJ state tax$4,180
taxable income
$84,250
marginal rate
22.0%
after tax
$82,371

Income tax in New Jersey

New Jersey's graduated tax runs from 1.4% to a 10.75% top rate on income over $1 million, with different bracket schedules by filing status. The state has no standard deduction, only a $1,000-per-person exemption. Its brackets are not inflation-indexed, so they are unchanged for 2025; capital gains are taxed as ordinary income.

Common questions

What is the New Jersey state income tax rate?
New Jersey has progressive state income tax brackets, applied on top of your federal tax.
Does New Jersey tax capital gains?
Yes — New Jersey taxes capital gains as ordinary income at the same rate as your wages.

How we calculate this

Federal brackets per our income-tax methodology, plus 2025 New Jersey state tax. Estimates only — not tax advice.

Tax Foundation: 2025 state income tax rates →New Jersey Division of Taxation →
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Estimates for general informational purposes only; not tax advice. New Jersey figures are simplified (credits, local taxes, and AGI adjustments vary) and should be verified with the state Department of Revenue.