2026 tax year · moves available now

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

In 3 minutes, see exactly what you owe — and every legal move to reduce it. Free, no account needed.

Start with your situation →Browse resources

Free, no credit cardFollows IRS tax codeBank-level encryption

Save up to34%

Your gross income$145,000

$40kdrag to explore$500k

$42,458

As filed

$28,048

Optimized

Saves 33.9% · chart axis starts at $23,244

Max estimated opportunity$14,410/yr

Estimate only. Individual results vary. Consult a tax professional before making decisions.

Max your 401(k)FSA & commuter benefitsCost-segregation study

7500+

avg. deductions found

3 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 3 minutes.

Pick your situation

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

Enter your numbers

We only show fields relevant to you — no clutter.

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.

Continue →

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

Leases 12+ months — steady income, standard passive-loss rules apply.

Rental income

Operating expenses

Depreciation✻

−$

Auto-estimated · edit to override

Taxable rental income$3,000

Add another property after you sign up

Tip: Long-term rental losses are passive — up to $25k can offset other income if you actively participate and your income is under the phase-out.

3Your tax picture

Here's where you actually stand

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

As filed today

$42,458

Effective rate: 27.0%

Federal income tax$22,334

State tax (CA)$9,032

Payroll Taxes (FICA)$11,093

Optimized — all moves (estimated)

$28,048

Saves up to 33.9% with 8 moves

Estimate only. Individual results vary. Consult a tax professional before making decisions.

Best-case potential

$14,410/yr

If all 8 moves are applied

Estimate only. Individual results vary. Consult a tax professional before making decisions.

Estimated refund

+$0

Your withholding is on track. Consider investing your refund rather than over-withholding.

Traditional IRA: Your income exceeds the deduction limit for Traditional IRA contributions.

Your estimated tax opportunity (up to)

$14,410/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 against the $24,500 2026 estimated limit. Maxing it cuts taxable income at your ~33% combined federal + state marginal rate.

Save ~$2,491

FSA & commuter benefits

Pre-tax payroll dollars: $3,400 healthcare FSA and ~$4,080/yr commuter benefits. (Dependent care FSA is a separate move — it shows once you add kids.)

Save ~$1,665

Cost-segregation study

Reclassify components into 5/7/15-year buckets to accelerate depreciation. On your ~$247,500 building basis, a study can front-load roughly $61,875 of extra depreciation into year 1. As a passive long-term rental, only about $5,000 of that offsets your other income this year (the $25k allowance phases out by $150k AGI); the rest carries forward.

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

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.

Save ~$666

Donate appreciated stock

Gift long-term-held shares directly to charity — skip the capital gains and deduct fair market value.

Save ~$499

Repairs vs. capitalized improvements

Frame work as a repair (immediately deductible) rather than an improvement (depreciated over 27.5 years) whenever the rules allow.

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."

Alejandro J.

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

$7,377

per year

Estimate only. Individual results vary. Consult a tax professional before making decisions.

42k

32k

21k

11k

Your current W-2Your W-2

$42,458

Sole PropSole Prop

$39,761

S-CorpS-Corp

$35,081

✻ 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 ~$72,000 vs $24,500 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 $72,000 — 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 →

Featured on