NYC, New York State, NJ, PA, CT, MA, and IRS federal tax brackets, commuter credits, NJ exit tax, and residency audits.
Explore Tax Center
NYC mansion tax, CEMA mortgage recording tax savings, Tri-State property tax bills, PITI amortization, and rent-vs-buy math.
Explore Housing & Mortgages
401(k) and Roth IRA compounding, NY estate tax cliff, capital gains + NIIT, and Social Security taxability.
Explore Wealth Management
FOMC interest rate policy, state-tax-exempt US Treasury bills vs. CDs, SOFR, inflation, and FX reference rates.
Explore Markets & Fed
SBA 7(a) & 504 commercial loan amortization, NYC 4% UBT freelancer tax, LLC vs. S-Corp payroll math, and NY PTET.
Explore Small Business
Independent economic commentary, fiscal policy analysis, and institutional perspectives across the US East Coast.
Explore Opinion
2026 IRS 401(k) and Roth IRA limits, age 60–63 SECURE 2.0 Super Catch-Up, New York's 105% Estate Tax Cliff, and after-tax portfolio optimization.
Compare after-tax yields on US Treasury Bills (4-week to 52-week T-Bills) against bank CDs and High-Yield Savings Accounts. See why federal state/local tax exemption gives T-Bills a massive edge in NYC, NY, NJ, and MA.
Project your retirement nest egg under the 2026 IRS 401(k) contribution limits ($23,500 standard, $31,000 age 50+, $34,750 ages 60–63 SECURE 2.0 super catch-up) and compare Traditional vs. Roth for NY/NJ earners.
Calculate your exact net proceeds on stock, business, or real estate sales across East Coast states. Includes Federal long-term vs. short-term brackets, the 3.8% Net Investment Income Tax (NIIT), and NY/NYC/NJ/MA state surtaxes.
Calculate how much of your Social Security benefit is taxable at the federal level (0%, 50%, or 85% via IRS Provisional Income) and see why NY, NJ, PA, and FL exempt 100% of Social Security from state income tax.
In-depth guide to New York State's notorious '105% Estate Tax Cliff' under NYS Tax Law § 952. See the 2026 Basic Exclusion Amount, why NY has zero spousal portability, and how the 'Santa Claus Clause' saves heirs hundreds of thousands.
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).
In-depth guide to New York State's notorious '105% Estate Tax Cliff' under NYS Tax Law § 952. See the 2026 Basic Exclusion Amount, why NY has zero spousal portability, and how the 'Santa Claus Clause' saves heirs hundreds of thousands.
Calculate how much of your Social Security benefit is taxable at the federal level (0%, 50%, or 85% via IRS Provisional Income) and see why NY, NJ, PA, and FL exempt 100% of Social Security from state income tax.
Calculate your exact net proceeds on stock, business, or real estate sales across East Coast states. Includes Federal long-term vs. short-term brackets, the 3.8% Net Investment Income Tax (NIIT), and NY/NYC/NJ/MA state surtaxes.
Project your retirement nest egg under the 2026 IRS 401(k) contribution limits ($23,500 standard, $31,000 age 50+, $34,750 ages 60–63 SECURE 2.0 super catch-up) and compare Traditional vs. Roth for NY/NJ earners.
Compare after-tax yields on US Treasury Bills (4-week to 52-week T-Bills) against bank CDs and High-Yield Savings Accounts. See why federal state/local tax exemption gives T-Bills a massive edge in NYC, NY, NJ, and MA.
Wealth Management
in Perspective
For households accumulating wealth in New York, New Jersey, Connecticut, Pennsylvania, and Massachusetts, asset location and statutory retirement shelters are the single largest controllable drivers of long-term compounding. Because New York and New Jersey tax realized capital gains—both short-term and long-term—at ordinary state income tax rates (up to 10.90% in NYS, plus 3.876% in NYC, and 10.75% in NJ) on top of the 20% federal long-term rate and the 3.8% Net Investment Income Tax (IRC § 1411), maximizing tax-deferred 401(k) deferrals and tax-free Roth IRA conversions is critical.
Our Wealth Management desk also analyzes retirement distribution rules—including the complete exemption of Social Security benefits from state income tax in NY, NJ, and PA—and New York's notorious estate tax "cliff," where estates exceeding 105% of the basic exclusion amount lose the exemption entirely.
East Corp Capital Research Desk · Editorial Policy · Reviewed:
