New Jersey judgment & prejudgment interest rates
Everything New Jersey charges in interest on a money judgment or an overdue debt, in one place — the rate after judgment and the rate before it, each verified against the statute and linked to its full page with sources, history, and carve-outs.
| Metric | Rate | Basis |
|---|---|---|
| Post-judgment interest | 4.5% / 6.5% | Set by statute |
| Prejudgment interest | 4.5% | Same rate as post-judgment |
Post-judgment interest
New Jersey's post-judgment interest rate is 4.5% / 6.5% per year. New Jersey’s post-judgment interest is set annually by the Judiciary under Court Rule R. 4:42-11, based on the State Cash Management Fund’s prior-year return. For 2026 it’s 4.5% on judgments up to $20,000 and 6.5% (the base plus 2 points) on judgments over $20,000 — simple interest.
→ Full New Jersey post-judgment page — statute, effective-date history, and source.
Prejudgment interest
New Jersey's prejudgment interest rate is 4.5% per year (same rate as post-judgment). New Jersey applies the same rate to prejudgment interest as to post-judgment interest — currently 4.5% per year under N.J. Ct. R. 4:42-11(b). Rule 4:42-11(b) prejudgment interest is MANDATORY in TORT actions, including products liability actions ("the court shall…
→ Full New Jersey prejudgment page — when it applies, accrual, compounding, and carve-outs.
Frequently asked
What is the post-judgment interest rate in New Jersey?
As of January 1, 2026, the New Jersey post-judgment interest rate is 4.5% / 6.5% per year. New Jersey’s two-tier judgment rate, set yearly by the courts.
What is the prejudgment interest rate in New Jersey?
New Jersey's prejudgment interest rate is 4.5% per year (same rate as post-judgment). Rule 4:42-11(b) prejudgment interest is MANDATORY in TORT actions, including products liability actions ("the court shall…
Is New Jersey judgment interest simple or compound, and when does it start?
See each rate's page for the exact compounding rule, accrual date, and statutory carve-outs — New Jersey prejudgment interest in particular turns on the type of claim.
Compare every state on the state interest-rate index and the prejudgment interest index, or run the numbers with our interest calculators. Reference data only — not legal advice.