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Guides on deductions, planning strategies, and IRS rules — written for people who actually pay taxes.

FeaturedTax Planning6 min read

What Is AGI and Why It Determines Your Entire Tax Bill

Adjusted Gross Income is the number the IRS uses to calculate almost every deduction, credit, and phase-out. Understanding it is the single most valuable thing you can do before filing.

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Tax Planning
8 min read

Tax Glossary: Every Term Defined

Bracket, basis, depreciation, QBI, SALT, MAGI, AMT — every tax term that shows up on a return, defined with examples.

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Tax Planning
5 min read

The S-Corp $80k Threshold: When the Math Starts Winning

Below $80k of net profit the payroll + filing overhead eats most of the SE-tax savings. Above it, the gap widens fast. Here's the exact crossover math.

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State Taxes
6 min read

SALT Cap Workarounds: PTET, Bunching, and the $10k Ceiling

Pass-through entity tax (PTET) elections, charitable bunching, and trust-based shifts — the legal moves that route around the $10k SALT cap.

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Tax Planning
7 min read

The Mega Backdoor Roth: After-Tax 401(k) → Roth

If your 401(k) allows after-tax contributions + in-plan Roth conversion, you can shovel up to $46,500 more into Roth — tax-free growth forever.

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Real Estate
8 min read

REPS Explained: The 750-Hour Bar and Why It Matters

Real Estate Professional Status unlocks unlimited rental-loss deductions against W-2 income. The 750-hour test is strict — here's how to actually pass it.

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Deductions
3 min read

The QBI Deduction: Every 1099 Worker's Biggest Break

Section 199A lets qualified self-employed filers deduct up to 20% of qualified business income. Most freelancers qualify and never claim it.

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State Taxes
4 min read

California's 14.4% Rate: How High-Earners Fight Back Legally

CA residents pay a 37% federal + 14.4% state combo at the top. These four moves legally reduce your CA exposure without leaving the state.

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State Taxes
3 min read

Browse All 50 State Tax Tools

Marginal brackets, deductions, and state-specific moves for all 50 states — pick yours to see the exact rates that apply to your income.

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Tax Planning
3 min read

The Deductsy Blog

Long-form posts on the strategies that actually move the needle — entity choice, equity comp, retirement layering, state planning.

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