Run real-time scenarios across 16 verified US & East Coast financial, tax, real estate, CEMA, NJ exit tax, NYC UBT, and small-business calculators built on 2026 IRS, New York State Department of Taxation and Finance, NYC Department of Finance, New Jersey Treasury, Federal Reserve, and SBA parameters.
NYC & NY State Paycheck & Hourly Wage Tax Calculator (2026)
Calculates Federal withholding, FICA (Social Security + Medicare + 0.9% surtax), NY State progressive brackets (4%–10.9%), and NYC resident tax (3.078%–3.876%) for both annual salaries and hourly wages.
New Jersey Exit Tax Calculator (Selling a House in NJ)
Computes the mandatory NJ non-resident seller estimated tax withholding at closing: the greater of 2% of gross consideration or 8.97%–10.75% of net capital gain after IRC § 121 exclusion.
NYC CEMA Mortgage Recording Tax Savings Calculator
Calculates exact Mortgage Recording Tax (1.80%–1.925%) saved by consolidating an existing unpaid mortgage balance into a new refinance or purchase CEMA loan in NYC, Westchester, or Nassau.
NYC Mansion Tax, Mortgage Recording Tax & Buyer Closing Cost Calculator
Models the 8-tier progressive NYC Mansion Tax (1.00% to 3.90%), NYC/NYS Mortgage Recording Tax (1.80%–1.925% on Condos, $0 on Co-ops), and sponsor transfer taxes.
NYC 4% Unincorporated Business Tax (UBT) Calculator
Models the 4% NYC Unincorporated Business Tax on sole proprietors, freelancers, and LLCs above $95,000, including the $5,000 statutory exemption, sliding-scale UBT credit, and NYC resident tax credit.
NYC, NY, NJ, CT & MA Sales & Restaurant Tax Calculator
Computes exact state, city, and MCTD sales taxes, NYC $110 clothing exemption rules, NJ 3.3125% Urban Enterprise Zone rates, CT 7.35% restaurant meal tax, and pre-tax tip totals.
NY / NJ Cross-Border Commuter Tax Credit Calculator
Simulates New York non-resident tax withholding, the New Jersey Schedule NJ-COJ credit for taxes paid to NY, and the $15,000 NJ property tax deduction.
New York vs. Florida Tax Residency & Audit Savings Simulator
Quantifies annual and 10-year compounded state/local income and capital gains tax savings when relocating domicile from NYC, NY, NJ, CT, or MA to Florida.
East Coast Mortgage PITI & Property Tax Calculator
Computes monthly Principal, Interest, Property Taxes, and Home Insurance using real effective property tax rates for NYC, Long Island, Westchester, Northern NJ, CT, PA, and MA.
US Treasury Bills vs. Bank CDs After-Tax Yield Calculator
Compares state-and-local-tax-exempt US Treasury bills against fully taxed bank CDs in NYC, NY, NJ, MA, and PA, and computes the exact Tax-Equivalent CD APY.
401(k) & Roth IRA Compound Growth & Catch-Up Simulator (2026)
Projects tax-deferred and Roth compounding with 2026 IRS elective deferral limits ($23,500 standard, $31,000 age 50+, and $34,750 age 60–63 Super Catch-Up).
Federal & East Coast State Capital Gains + 3.8% NIIT Calculator
Calculates combined Federal long/short-term capital gains tax, the 3.8% Net Investment Income Tax, and state surtaxes (including NYC 14.776% and Mass. 9% Millionaire Tax).
LLC vs. S-Corp Self-Employment & NY PTET Tax Savings Calculator
Compares single-member LLC self-employment tax (15.3%) against an S-Corp reasonable salary split plus the New York Pass-Through Entity Tax (PTET) federal SALT bypass.
SBA 7(a) & Commercial Business Loan Amortization Calculator
Estimates monthly principal and interest, SBA upfront guaranty fees, total borrowing cost, and the minimum 1.25x Debt Service Coverage Ratio (DSCR) required by lenders.
NYC & Tri-State Rent vs. Buy Breakeven Calculator
Weighs Manhattan/Brooklyn rent inflation and down-payment investment returns against NYC buyer closing costs, common charges, property taxes, and home equity buildup.
Social Security COLA & Retirement Taxability Calculator
Computes IRS Provisional Income to determine whether 0%, 50%, or 85% of your Social Security benefits are subject to federal tax, plus NY/NJ/PA state exemptions.
Mortgage Refinance, Cash-Out & Breakeven Calculator (2026)
Calculates monthly principal-and-interest savings, exact closing-cost breakeven in months, 5-year net refinance gain, and cash-out refinance impact—with zero personal information required.
HELOC Payment Calculator: Interest-Only Draw vs. Principal & Interest (2026)
Compares 10-year interest-only draw payments against 20-year fully amortizing principal-and-interest payments, Combined Loan-to-Value (CLTV), and no-appraisal AVM eligibility.
New York LLC Formation & 62-County Newspaper Publication Cost Calculator (2026)
Computes exact NY Department of State filing fees ($200 Articles + $50 Certificate of Publication), mandatory 6-week daily/weekly newspaper publication costs across all 62 counties, and Albany registered-agent savings.
NYC, NY State & Florida Home Seller Closing Cost & Transfer Tax Calculator (2026)
Calculates net cash proceeds after NYC Real Property Transfer Tax (1.0%–1.425%), NYS Transfer Tax (0.40%–0.65%), Co-op Flip Tax, Florida Documentary Stamp Tax ($0.60/$0.70 per $100), and broker commissions.
NYC & Tri-State Net Effective Rent & Lease Concession Calculator (2026)
Converts landlord free-month concessions (1 to 3 months free on 12–24 month leases) and move-in credits into true Net Effective Monthly Rent and models Year-2 renewal payment shock.
1031 Exchange, Taxable Boot & 25% Depreciation Recapture Calculator (2026)
Computes deferred Federal, 3.8% NIIT, and NY/NJ/FL capital gains taxes, IRC § 1250 25% unrecaptured depreciation tax, and taxable cash/mortgage boot when trading investment property.
Commission & Bonus Tax Withholding Calculator (2026): IRS 22% / 37% + NY/NYC
Calculates exact payroll withholding on sales commissions, Wall Street bonuses, and RSU vestings under the 22% IRS supplemental flat rate (37% above $1M), NYS 11.70%, NYC 4.25%, and FICA caps.
Sell Annuity & Structured Settlement Present Value / Discount Rate Calculator (2026)
Compares lump-sum cash buyout offers from factoring companies (at 9%–15% discount rates) against intrinsic present value at risk-free US Treasury yields and quantifies the exact factoring haircut.