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Free 2-minute lookback · 2025 tax year

Did last year leave money on the table?

Upload last year's return and Deductsy reads every line automatically, then flags the areas worth a second look.

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Start with last year's return
Upload your 1040 above to see your real numbers.
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Drop in your return. We read every line.

Deductsy parses your 1040 and its schedules automatically — income, withholding, deductions, dependents, rentals — and fills your numbers in for you. Nothing to type, nothing to look up.

Form 1040 — 2025
Example
Wages (W-2)$145,000
Additional income (Sch E)$3,000
Adjusted gross income$148,000
Itemized deductions$29,200
Total tax$34,200
Federal tax withheld$31,100
Read automatically from your PDF
Filing statusMarried, joint
Adjusted gross income$148,000
Total tax$34,200
Federal withholding$31,100
Dependents1 dependent
Business entityNot detected
Rental (Schedule E)Detected · 1 unit · Long-term (Single Family)
Deduction strategyItemized ($29,200)
Tax-reducing items in your return
Click to expand
Income reducers (above-the-line)
Not detected
Itemized deductions
Not detected
Other deductions (below-the-line)
Not detected
Tax credits
Not detected
Business deductions
Not detected
Rental deductions
Detected — couldn't parse line items
Schedule E detected — couldn't parse line items.
Investment & capital activity
Not detected
State-only items
Not detected — sign up to add your state
Upload your 1040 above to see your real numbers.
Your 2025 lookback

Areas worth a second look

Read straight from the return you uploaded. Here's where the dollars most often hide for a picture like yours — the exact amount for every area, and your plan to keep them in 2026, are one free click away.

Ways to save this year
~$26,196
you could still capture

Plan these moves in Deductsy before Dec 31 and see exactly what each one saves you — most of the levers are still open this year.

🏦
Retirement room
Up to ~$6,600
401(k), Solo 401(k), SEP, IRA, mega backdoor — maxing every account.
At your 22% marginal rate, you still have about $30,000 of unclaimed room left to shelter — that could cut up to ~$6,600 off next year's tax.
Create a free account to model this
🏥
HSA contributions
Answer one quick question and we'll size it for you.
🏠
Rental property optimization
Up to ~$3,256
Cost-seg, bonus depreciation, REPS, STR loophole, depreciation timing, 1031 exchange.
Long-term (Single Family) — cost-seg can front-load $20–40k of depreciation in year 1. At your bracket, that's worth up to ~$3,256 in current-year tax savings.
Create a free account to model this
💝
Charitable & gift strategy
Up to ~$9,768
DAF bunching, appreciated-stock donations, QCDs, charitable remainder trusts.
You itemized — appreciated-stock gifts and DAFs let you front-load and time deductions to your biggest income years. A typical bunching year unlocks up to ~$9,768 in tax savings at your marginal rate.
Create a free account to model this
📊
Pass-through & QBI
Up to ~$1,954
20% QBI deduction, aggregation election, optimizing wages for the QBI sweet spot.
Pass-through and rental income qualifies for the 20% QBI deduction before federal tax. Estimated up to ~$1,954/yr at your bracket — subject to wage and income phase-ins.
Create a free account to model this
👶
Family & dependents
Up to ~$3,100
CTC, Dependent Care FSA, Dependent Care Credit, 529, Coverdell, kiddie-tax planning, hiring kids.
With 1 dependent, stacking the Child Tax Credit, Dependent Care FSA, dependent-care credit, and 529 contributions can add up to ~$3,100/yr in combined federal + state savings.
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💰
Mega Backdoor Roth
Up to ~$1,518
Top up your 401(k) with after-tax dollars and convert to Roth — up to ~$46k extra per year.
If your 401(k) plan supports after-tax contributions plus in-plan Roth conversion, you can shovel up to $46,000/yr extra into Roth. Estimated growth-equivalent ~$1,518/yr at your 22% bracket — plan support varies; HR will know.
Requires plan support; ask HR if 'after-tax contributions' + 'in-plan Roth conversion' are available.
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🏥
Premium Tax Credit / ACA marketplace
Up to $1–6k/yr
If you don't have employer health insurance and your income qualifies, the ACA premium tax credit can offset Marketplace premiums substantially.
Without an employer health plan, ACA Marketplace coverage may qualify for the Premium Tax Credit. The credit is income-tested but can offset $1–6k/yr in premiums depending on household size and your state's benchmark silver plan.
Estimate depends on household size and silver-plan benchmark in your state.
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See the full breakdown — free

Create your free account to unlock the exact amount for every area we found, the step-by-step way to claim each one, and a 2026 plan that keeps them from slipping again.

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Why this matters now

You can't fix last year. 2026 is still open.

Every missed move had a deadline that's passed. The same levers are live right now — and close at midnight Dec 31.

Deductsy works here
2025 · Lookback

Uncovering what you missed shows you exactly which levers to pull this year.

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2026 · The window closes Dec 31

401(k), HSA, charitable, and S-corp election deadlines all land at year-end.

Act before midnight
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2026 tax-saving moves are available now — the earlier you plan, the more you save.