E-file NJ Taxes and Get Your Tax Refund Fast
Form NJ-1040 must be filed by residents who are filing state taxes. Non-residents or part-year residents with income from New Jersey must file Form NJ-1040-NR, marking it “Amended” if correcting a previously filed return. More information can be found in an e-booklet issued by the New Jersey Department of the Treasury's website here. State tax returns can be filed electronically or mailed to the address indicated on the form.
Both state tax returns and extension requests must be filed electronically or mailed by April 15 to avoid penalties. If a federal extension is filed, New Jersey automatically extends the filing deadline to October 15, 2025—no NJ-630 needed in that case. Otherwise, file Form NJ-630 by April 15 to get the extension.
New Jersey has a graduated income tax rate from 1.4% to 10.75%, with the top rate applying to income over $1 million. The upper end represents one of the highest income tax rates in the United States.
Annual tax revenue is more than $55 billion. This is more than the national average. With a state income tax rate of 10.75%, NJ is higher than the median range in the United States.
Personal Exemptions and Credits
While the state doesn't permit federal deductions (mortgage interest or IRA contributions), you can take some of the following exemptions from your earned income for the year:
- $1,000 for yourself, domestic partner, and spouse (if filing a joint return).
- Senior (65 years and older): $1,000 for yourself if you were 65 or older on the last day of the tax year; when filing jointly, your spouse can also take the $1,000 exemption if they were 65 or older on the last day of the year.
- Veteran: $6,000 if you are an honorably discharged military veteran or released under honorable circumstances from active duty before the last day of the tax year.
- Dependent: $1,500 for each qualified child or dependent.
New Jersey also offers credit for taxes paid to other jurisdictions. To apply, complete a Schedule NJ-COJ and include it with your state tax return. You must complete a Schedule NJ-COG for each jurisdiction where you paid taxes.
Amended New Jersey Tax Returns
When taxpayers make errors on their returns, amended returns must be filed. Residents must use Form NJ-1040-X for filing amendments, and partial-year residents or nonresidents must use Form NJ-1040NR. If you are a resident, mail your amended return to the following:
With payments
State of New Jersey
Division of Taxation
Revenue Processing Center – Payments
PO Box 111
Trenton, NJ 08645-0111
Without a payment
State of New Jersey
Division of Taxation
Revenue Processing Center – Refunds
PO Box 555
Trenton, NJ 08647-0555
Nonresidents
State of New Jersey
Division of Taxation
Revenue Processing Center
PO Box 244
Trenton, NJ 08646-0244
Need More Time to File State Taxes?
If NJ taxpayers file their returns late, the state charges a late filing penalty of 5% per month up to a maximum of 25% on any outstanding tax balance. The state also assesses an interest rate of 3% above the prime rate each month; taxes are not paid. The Division of Taxation may also assess a penalty of $100 per month.
Residents who need more time to file New Jersey taxes must use Form NJ-630 to request an extension. If money is owed, 80% of it must be paid by the April due date to qualify for an extension.
Quarterly Tax Payments
Estimated quarterly taxes may be required if NJ taxpayers do not have enough money withheld from their checks for taxes. They may also be required for self-employed individuals. Use Form NJ-1040ES to determine the amount due.
Tracking New Jersey Tax Refunds Online or By Phone
Taxpayers can track their refunds by calling 1-800-323-4400. State tax refunds can also be tracked online at www.state.nj.us/treasury/taxation/refinfo.shtml as long as you have your Social Security number and refund amount handy. For questions about prior returns or lost returns, you must file a Form DDC-1, Request for Transcript of Individual Income Tax Returns. If you need additional information, call 609-292-6400.
Frequently Asked Questions
How long will it take to receive my refund?
On average, it takes four weeks to receive a refund for returns filed online. Paper-filed returns can take up to 12 weeks.
How do I know if my return was received?
If you used the New Jersey Online Income Tax Filing system, your confirmation number is your proof of receipt. For paper returns, receipt verification occurs when the return shows up in the state’s Division of Taxation computers.
Note: States & U.S. territories may make changes to their tax laws with little notice. We do our best to keep this information up-to-date, but it is provided on an "AS IS" basis. For more see our terms.