Calculate your federal and New Jersey capital gains tax liability
Calculate Your
New Jersey Capital Gains Tax
New Jersey taxes capital gains as ordinary income at rates up to 10.75%. The state does not allow for the carryover of capital losses.
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New Jersey Capital Gains Tax Highlights
Enter Your Investment Details
Calculate your capital gains tax for New Jersey
📊 Enter your annual taxable income before including this capital gain. This determines your capital gains tax bracket.
📊 Choose your investment holding period
Calculator optimized for New Jersey tax rates
Tax Calculation Results
How New Jersey Taxes Capital Gains
New Jersey taxes capital gains as ordinary income at rates up to 10.75%. The state does not allow for the carryover of capital losses.
2025 Tax Brackets
New Jersey Tax Details
Tax Rate Structure
Capital gains are taxed as ordinary income using progressive tax brackets.
Key Requirements
New Jersey Tax Strategies
- • Consider timing of asset sales for tax efficiency
- • Coordinate with federal capital gains strategies
- • Review loss harvesting opportunities
• Consult with New Jersey tax professional for complex situations
Related Tax Services
Real Estate in New Jersey
Real estate capital gains in New Jersey are subject to both federal and state tax considerations:
New Jersey Real Estate Tax Rate
Real estate capital gains in New Jersey are taxed as ordinary income up to 10.8%.
Primary Residence
Federal Rules
New Jersey State Rules
State tax applies to gain above federal exclusion
Must file state return if gain exceeds exclusion
Additional Requirements:
- • Follows federal IRC Section 121.
Investment Property
Tax Deferral Strategies
1031 Like-Kind Exchanges
Defer federal taxes on investment property exchanges
Transfer Costs
Transfer Tax
Local Variations:
- • Includes a 1% "Mansion Tax" on transfers over $1 million.
Available Exemptions:
- • Certain low-value transfers
- • Sheriff's sales.
Recording Fees
Additional Fees:
- • A $200 fee applies to certain mortgage recordings (e.g., refinances).
Special Deductions & Notes:
- • Standard federal depreciation rules apply.
Investment & Tax Services
Property Tax Exemptions
Homestead
$2K
Maximum exemption
Senior (65+)
$0K
Additional exemption
Veteran
$0K
Disabled veteran exemption
New Jersey Real Estate Specifics
Mansion Tax: 1% of total consideration (over $1000K)
• New Jersey has a complex Realty Transfer Fee (RTF) that is one of the highest in the country, including a 1% mansion tax paid by the buyer.
• The ANCHOR program provides property tax relief in the form of a rebate, not an upfront exemption.
• An "Exit Tax" is essentially a prepayment of estimated income tax for non-residents selling property.
Real Estate & Investment Services
New Jersey Filing Requirements
Due Dates
Required Forms
- • Form NJ-1040
- • Capital gains schedule
- • Federal Form 8949 & Schedule D
Payment Options
- • Online payment portal
- • Electronic funds transfer
- • Check or money order
Tax Professional Services
Compare New Jersey to Other States
Tax Calculation Results
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