Typical comp shape
Product designers usually earn rsu. Common employers include Figma, Airbnb, Meta.
What New Jersey changes
In New Jersey, every RSU vest, NSO exercise, and ESPP purchase carries 10.75% state tax on top of federal. For a senior product designer with $300k+ of equity income, the state layer routinely adds $25-45k to the annual bill.
Planning cadence
For a product designer in New Jersey, the three planning windows are: after each RSU vest (withholding check and sell-vs-hold), before any ISO exercise (AMT model at federal only), and in Q4 (estimated tax top-up to clear the safe harbor).