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Crypto & tax · NJ

New Jersey Crypto Tax Calculator

Estimate your 2025 federal and New Jersey state tax on crypto capital gains, with FIFO, LIFO, or HIFO cost basis.

Cost-basis method — changes which lots are sold
Transactions4
$
$
$
$
Filing status
Other taxable income Excluding crypto
$
Estimated tax owedFIFO
$2,561
short-term gains$3,000
long-term gains$8,000
short-term tax$660
long-term tax$1,200
NJ state tax$701
total gains
$11,000
estimated tax
$2,561
effective rate
23.3%

Crypto capital-gains 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

How is crypto taxed in New Jersey?
At the federal level, crypto is property and gains are taxed as short- or long-term capital gains. At the state level, New Jersey taxes crypto capital gains as ordinary income — the same rate as your wages, with no long-term discount.
Does New Jersey have a lower rate for long-term crypto gains?
No — unlike the federal system, New Jersey does not give long-term gains a preferential state rate; they're taxed the same as short-term gains.

How we calculate this

Federal lot-matching per our crypto-tax methodology, plus 2025 New Jersey state treatment of capital gains. 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. Crypto tax rules are complex and New Jersey state treatment is simplified here — verify with the state Department of Revenue and a tax professional.