1099 Tax Calculator New Jersey 2026
New Jersey has 7 graduated tax brackets for single filers (and 8 brackets for married filing jointly) ranging from 1.4% to 10.75%. The top rate applies to income over $1 million. New Jersey has no standard deduction, so all NJ taxable income enters the bracket structure. Use the calculator below to estimate your 2026 federal + state + SE tax.
Net income after business expenses
Enter your income to see your tax breakdown
How New Jersey taxes self-employment income
New Jersey has graduated income tax brackets with a top rate of 10.75%.
New Jersey has asymmetric tax brackets — single filers have 7 brackets while MFJ filers have 8 (with an additional 2.45% bracket between $50K-$70K). The state has no standard deduction. Top rate of 10.75% applies to income over $1M for both filing statuses.
Federal tax also applies
Regardless of state, all 1099 contractors and self-employed workers in New Jersey owe federal income tax and self-employment tax. SE tax is 15.3% on net earnings (12.4% Social Security up to $184,500 in 2026, plus 2.9% Medicare with no cap). Federal income tax follows the standard bracket structure (10-37%).
The calculator above includes federal, SE, and New Jersey state tax in one estimate, and breaks down quarterly estimated payments due April 15, June 15, September 15, 2026, and January 15, 2027.