2026 Tax Year · Married Filing Jointly · New York State (outside NYC)
Income & Pre-Tax Deductions
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Earner 1
Limit $24,500 (under 50) / $31,000 (50+)
Employer contribution — not deducted from pay
Combined limit $7,500 MFJ
Limit $3,400/person
Earner 2
Limit $24,500 (under 50) / $31,000 (50+)
Employer contribution — not deducted from pay
Combined limit $7,500 MFJ
Limit $3,400/person
Investment & Other Income (Household)
Taxed as ordinary income
Taxed at preferential rates (0/15/20%). Subject to NIIT above $250k MAGI.
Deductions & Credits
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Itemized Deductions (Federal)
SALT cap $40,000 MFJ (2026)
NY State-Specific
Up to $5k/person ($10k MFJ). NY state deduction only.
Tax Credits
CTC: $2,000/child. Phases out above $400k AGI (MFJ).
Up to $3k (1 child) / $6k (2+). Reduced by Dep. Care FSA.
Take-Home Pay Results
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Earner 1
Earner 2
Household Combined
Note: Paycheck estimate based on W-2 income only. Investment income arrives separately. Additional Medicare 0.9% withheld per-earner above $200k; MFJ threshold at filing is $250k combined.