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
Buying an apartment in Manhattan, Brooklyn, or Queens? Compare NYC Co-ops vs. Condos side by side: why Co-ops save 1.925% in Mortgage Recording Tax, how monthly maintenance vs. common charges work, and board liquidity requirements.
Complete breakdown of New Jersey's combined PAS-1 property tax relief programs: the ANCHOR rebate ($1,500–$1,750), the Senior Freeze (Property Tax Reimbursement), and the Stay NJ 50% property tax credit (up to $6,500) for homeowners 65+.
Moving from Manhattan or Brooklyn to the suburbs? Compare total income tax, property tax, estate tax, and Metro-North/NJ Transit commute costs across Westchester (NY), Bergen/Essex (NJ), and Fairfield County (CT).
Quantitative analysis of Massachusetts's 4% Fair Share Amendment surtax on income above $1.08M+. How the 9.0% long-term and 12.5% short-term rate works, filing status strategies, and New Hampshire domicile outflows.
Quantify your exact annual income and capital gains tax savings when relocating domicile from NYC or New York State to Florida (0% state tax), and review the 5 Primary Factors used in NYS DTF residency audits.
Quantitative breakdown of New York's Real Property Tax Law § 467-m incentive for converting obsolete Midtown and Financial District Class B/C office towers into multifamily housing, including 90% tax exemptions and 25% affordable mandates.
Model the true 1-to-20 year financial breakeven between renting an apartment and buying a Manhattan or Brooklyn co-op/condo. Accounts for Mansion Tax, MRT, monthly common charges, and the opportunity cost of your down payment.
Model your true monthly mortgage payment across the Northeast corridor. Compare effective county property tax rates in Westchester, Nassau, Bergen, Essex, Fairfield, and Middlesex (MA) alongside principal, interest, HOA, and PMI.
Calculate exact buyer and seller closing costs in Manhattan, Brooklyn, and Queens. Includes the 8-tier progressive NYC Mansion Tax (1.0% to 3.9%), NYC/NYS Mortgage Recording Tax (1.80% / 1.925%), and CEMA savings.
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.
Analysis of Bureau of Labor Statistics (BLS) Regional Consumer Price Index data for the NY-NJ-PA, Boston-Cambridge-Newton, and Philadelphia metro areas. Why constrained East Coast housing supply keeps core shelter inflation sticky.
Macro markets brief explaining why FOMC cuts to the overnight Federal Funds Rate reduce 4-week T-Bill and SBA 7(a) Prime rates immediately, while 30-year fixed NY/NJ mortgages track the 10-year Treasury term premium and MBS spreads.
Editorial analysis of the $118 billion Northeast commercial real estate (CRE) debt maturity wall. Why 2019–2021 rent-stabilized multifamily and Class B office loans originated at 3.5% face equity shortfalls at 6.25% refinancing rates.
Analysis of the New York State Comptroller's annual Wall Street securities industry bonus report. How investment banking, private credit, and trading bonuses drive 27% of NY State and 8% of NYC personal income tax revenue.
Should a New York business form an LLC in Delaware or New York? Learn why forming in Delaware triggers double filing fees via Foreign Qualification, and how to legally cut NY Section 206 newspaper publication costs from $1,250 to $145.
Calculate monthly commercial payments, SBA upfront guarantee fees, and Debt Service Coverage Ratio (DSCR) for SBA 7(a) business acquisition, working capital, and commercial real estate loans up to $5,000,000.
Interactive LLC vs. S-Corporation tax calculator for New York and New Jersey business owners. Calculate FICA self-employment tax savings, the NYS Pass-Through Entity Tax (PTET) federal SALT workaround, and NYC 8.85% GCT friction.
Independent economic commentary across the Washington–New York–Boston corridor.
Editorial analysis of the $118 billion Northeast commercial real estate (CRE) debt maturity wall. Why 2019–2021 rent-stabilized multifamily and Class B office loans originated at 3.5% face equity shortfalls at 6.25% refinancing rates.
Federal Reserve policy, Tri-State tax legislation, Treasury auctions, and East Coast housing data explained with primary sources.
