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2026 tax year · moves available now

Stop overpaying taxes.— and here's how to owe less.

In 2 minutes, see exactly what you owe — and every legal move to reduce it. Free, no account needed.

Free, no credit cardFollows IRS tax codeBank-level encryption
Save up to43%
Your gross income$145,000
$40kdrag to explore$500k
$42,616
As filed
$35,656
Optimized
Saves 16.3% · chart axis starts at $33,336
Max estimated opportunity$18,348/yr
Estimate only. Individual results vary. Consult a tax professional before making decisions.
Max your 401(k)Cost-segregation studyShort-term rental loophole
12,000+
avg. deductions found
2 min
to see your full picture
Free
no credit card ever
Works for:
W-2 Employees1099 / FreelanceRental IncomeS-CorpLLC

How it works

No account needed. See your results in 2 minutes.

1
Pick your situation

Tell us if you're W-2, freelance, a landlord, or all three.

2
Enter your numbers

We only show fields relevant to you — no clutter.

3
See every legal move

Your real tax bill, what you could save, and how.

Security & trust

Your numbers stay yours

Follows IRS tax code
Every formula follows current tax code
Bank-level encryption
Data encrypted in transit and at rest
Never sold
We don't sell or share your data
Transparent formulas
See exactly how every number is built
1Your situation

What describes you?

Pick all that apply — we only ask the numbers that matter to you.

2Your numbers

Just the fields that apply to you

Because you picked W-2 and rental, that's all we show — no other questions cluttering the form.

Filing status
State
Gross W-2 salary
$
Federal tax withheld YTD
$
Auto-estimated · edit to override
Retirement contributed so far
$
Kids under 17
Other dependents
Property 1
Rental income
$
Operating expenses
$
Depreciation✻
−$
Taxable rental income$3,000
Add another property after you sign up
3Your tax picture

Here's where you actually stand

An estimate for planning. Confirm with your CPA before filing.

As filed today
$42,616
Effective rate: 30.4%
Federal income tax$22,334
State tax (CA)$9,189
Payroll Taxes (FICA)$11,093
Optimized — 401k + HSA
$35,656
Saves 16.3% with 2 moves
Estimate only. Individual results vary. Consult a tax professional before making decisions.
Best-case potential
$18,348/yr
If all 8 moves are applied
Estimate only. Individual results vary. Consult a tax professional before making decisions.
You may still owe
−$348
You may be under-withheld. Adjust your W-4 to avoid underpayment penalties.
Traditional IRA: Your income exceeds the deduction limit for Traditional IRA contributions.
Your total tax opportunity
$18,348/yr
Across 8 legal moves, ranked by impact
First 2 unlocked free
Estimate only. Individual results vary. Consult a tax professional before making decisions.
Save ~$5,494
Max your 401(k)

You have about $16,500 of room left. Maxing it cuts taxable income at your 33% marginal rate.

Save ~$2,664
Cost-segregation study

Reclassify property components into 5/7/15-year buckets to accelerate depreciation. Front-loads $20–40k of deductions in year 1.

Save ~$2,664
Short-term rental loophole

If average guest stay is under 7 days and you materially participate, rental losses can offset W-2 income — no REPS needed.

Save ~$2,398
FSA & commuter benefits

Pre-tax payroll dollars: $3,300 healthcare FSA, $5,000 dependent care, and ~$3,900/yr commuter benefits.

Save ~$1,665
Bunch charitable gifts (DAF)

Donor-advised fund: bundle 2–3 years of giving into one tax year to clear the standard deduction threshold.

Save ~$1,465
Open an HSA

On a high-deductible plan, the $4,400 limit is deductible going in, grows tax-free, and comes out tax-free for medical.

Save ~$999
Bonus depreciation on improvements

Appliances, flooring, and fixtures placed in service this year qualify for accelerated bonus depreciation in 2026.

Save ~$999
Tax-loss harvesting

Sell losing positions to offset gains. Up to $3,000 of net losses also offsets ordinary income each year; rest carries forward.

Built for freelancers, W-2 earners, and landlords.
No credit card · takes 30 seconds

What users are saying

"I figured I had my deductions covered after years of freelancing. It still caught the home-office one and part of my QBI that I'd been skipping."

Alex R.
Freelance Designer, California

"Between the W-2 and the rental, taxes were always kind of a guess for me. This is the first time I actually saw where it all goes and what I can do before December."

Marcus T.
W-2 Employee + Rental Property Owner

"I'd been putting off the S-corp question for two years. The breakdown showed it actually makes sense at what I earn now, so I'm finally setting it up."

Jamie L.
1099 Contractor, Texas
What if you went independent?

Could you save by switching to 1099 + LLC?

Some W-2 jobs can be contracted out. If yours could, here's the apples-to-apples bill — your W-2 tax + employee FICA vs. taking the same income through a business at a 10% expense estimate. Lower bar = more in your pocket.

Best alternative saves
$8,077
per year
Estimate only. Individual results vary. Consult a tax professional before making decisions.
43k
32k
21k
11k
0k
Your current W-2Your W-2
$42,616
Sole PropSole Prop
$39,918
S-CorpS-Corp
$34,539
✻ The Sole Prop, LLC, and S-Corp bars run higher than income tax alone because they include self-employment tax (15.3% SE tax replaces employee FICA) on net self-employment income. An S-Corp trims it by taking part of the income as distributions.
›Income you wouldn't pay tax on~$82,445— click to expand
at ~$145,000 of income
✓
Business expenses (est. 10%)~$14,500
Home office, equipment, software, vehicle, supplies — once you're a business, real expenses come off the top.
✓
20% QBI pass-through deduction~$26,100
Pass-through income gets a 20% deduction before federal tax — no equivalent for W-2 wages.
✓
Solo 401(k) extra retirement room~$32,625
Self-employed cap is ~$70k vs $23,500 on a W-2 — about $32,625 more shelter.
✓
Half of self-employment tax~$9,220
Half of the 15.3% SE tax is itself an above-the-line federal deduction.
Total income that wouldn't be taxed~$82,445
At your 33% tax rate, skipping tax on $82,445 works out to roughly ~$27,454 less in taxes for the year.
Estimate only. Individual results vary. Consult a tax professional before making decisions.
›Tradeoffs — what you'd gain and give up— click to expand
Why this could save you money
  • ✓Bigger retirement room. Solo 401(k) tops out around $70,000 — nearly 3× the W-2 limit.
  • ✓Real business deductions. Home office, vehicle, equipment, half of SE tax, health insurance.
  • ✓20% QBI deduction. Pass-through gets 20% off the top before federal tax.
  • ✓S-Corp distributions skip FICA. Reasonable salary, rest taken tax-light.
What you give up
  • —Employer-paid health insurance, 401(k) match, life/disability, paid leave.
  • —Job security — you're now responsible for sales, billing, and bench time.
  • —Bookkeeping, quarterly estimated taxes, and (for S-Corp) running payroll.
  • —State LLC fees — CA's $800/yr franchise tax is notable.
✻ We may earn a commission if you sign up through this link — at no additional cost to you. Estimates are simplified; talk to a CPA before restructuring. Full disclosure.
Ready to form your LLC + elect S-Corp?
Get started →
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