2026年IRS基準に基づく子供1人あたり最大$2,000の児童税額控除、還付可能ACTC（最大$1,700）、保育所費用控除および所得逓減を試算。
Phase-out starts at $400,000 for your status.
Qualifies for 20%–35% Child and Dependent Care Credit (CDCTC).
Provides a direct boost of ￥413 / month to your household budget.
\text{Reduction} = 50 \times \left\lceil \frac{\max(0, \text{AGI} - \text{Threshold})}{1000} \right\rceil, \quad \text{ACTC} = \min(\text{Kids} \times 1700, 0.15 \times (\text{Earned} - 2500))IRS statutory reduction formula reducing total family dependent credits by $50 for each $1,000 exceeding thresholds ($400k MFJ / $200k Single), plus earned-income based refundable calculation.
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