Family Budget Tool

Take-home pay calculator, budget planner, and spend analyzer

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Family Take-Home Pay & Budget Tool

2026 Tax Year · Married Filing Jointly · New York State (outside NYC)

Income & Pre-Tax Deductions

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Limit $24,500 (under 50) / $32,500 (50+) / $35,750 (60-63)
Employer contribution — not deducted from pay
Combined limit $7,500 MFJ (2026)
Limit $3,400/person

Limit $24,500 (under 50) / $32,500 (50+) / $35,750 (60-63)
Employer contribution — not deducted from pay
Combined limit $7,500 MFJ (2026)
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.

Monthly Budget Allocator

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Total Savings Rate

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Savings Breakdown (Annual)

0%
of total compensation