Mastering 2026 Tax Numbers for Tech Equity

Описание: The 2026 tax updates are here, and if you're earning a salary plus equity at a tech company, there are three game-changing numbers you need to know:

First, the SALT cap quadrupled to $40,400 for married couples earning under $605K. If you live in California, New York, or another high-tax state, this is the biggest tax win in a decade. You're no longer capped at deducting just $10K of your state and property taxes—you can now deduct up to $40,400. That's an extra $25K-$30K in deductions, which translates to about $8K-$9K back in your pocket.

Second, the 0% capital gains threshold for married couples is now $98,900. Add in the standard deduction, and you're looking at over $131K in total income with zero federal tax on your gains. If you're planning a sabbatical, gap year, or time between jobs, this is where you save serious money. Sell company stock during a low-income year, realize the gains tax-free, and reset your cost basis—all perfectly legal.

Third, backdoor Roth contributions are still the move for high earners. If you're phased out of direct Roth contributions (over $242K married), you contribute $7,500 to a traditional IRA and immediately convert it to a Roth. That $7,500 becomes $580K by age 60 if you start at 25—completely tax-free.

This video breaks down the 2026 tax numbers that actually matter for tech workers with RSUs, ISOs, and equity comp. We're not covering every line of the tax code—just the levers you can pull to cut your tax bill by tens of thousands.

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🔗 Schedule a free call → alpineroadfinancial.com

Email [email protected] with subject "2026 Numbers" to get the full PDF guide

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Timestamps:

00:39 SALT CAP - the big win
02:03 The Numbers that Actually Matter
03:05 Time to Backdoor Roth (it)
03:50 0% Capital Gains Hack
05:09 The Gotchas and Bonuses
06:25 Not Just Numbers on a Screen


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Alpine Road provides educational content only. Nothing here is a recommendation to buy or sell any security, or a substitute for personalized advice. Investing involves risk, including loss of principal. Past performance is not indicative of future results. Tax rules are complex and change; consult your tax or legal professional about your situation

Alpine Road Financial serves mid-career tech professionals earning top-end salaries plus equity.

#taxes #techworkers #RSUs #ISOs #financialplanning