Tax Planning
Keep More of What You Earn
Marginal vs effective rate, Roth conversion optimizer, capital gains strategy, QBI deduction, RMDs, and tax-advantaged account prioritization. Strategic tax tools built for every income type.
25 Calculators
Income Tax Strategy
Marginal vs Effective Tax Rate
Visualize your federal tax bracket breakdown and understand the difference between your marginal and effective rate.
See your tax breakdown →
Tax Bracket Bump Calculator
How much more can you earn before jumping to the next bracket? Time raises, bonuses, and freelance income strategically.
Find your ceiling →
QBI Deduction Calculator
Calculate your potential 20% qualified business income deduction as a pass-through business owner or freelancer.
Calculate QBI deduction →
Standard vs Itemized Deduction
Break-even analysis to decide which deduction method saves you more at tax time based on your actual expenses.
Compare deductions →
Alternative Minimum Tax
Check whether the AMT applies to you. Often triggered by high income, ISO exercises, or large itemized deductions.
Check AMT exposure →
Tax Refund vs Owe Balancer
Optimize your W-4 withholding so you're not giving the IRS an interest-free loan or facing a surprise tax bill.
Balance your withholding →
Capital Gains & Investment Tax
Short-Term vs Long-Term Capital Gains
See the tax difference between selling before and after the one-year holding mark. Holding period arbitrage has huge dollar impact.
Compare holding periods →
0% Capital Gains Bracket
How much can you realize in long-term gains completely tax-free? Critical planning tool for early retirees and gap-year earners.
Find your 0% capacity →
Capital Gains Harvesting
Intentionally realize gains in low-income years to reset your cost basis tax-free. Distinct from tax-loss harvesting.
Plan your harvest →
Net Investment Income Tax
Calculate your exposure to the 3.8% NIIT surtax. Often missed by high earners with significant investment income.
Calculate NIIT →
Qualified Dividend Tax
Model the difference between ordinary and qualified dividend tax treatment and project your after-tax dividend income.
Compare dividend rates →
Crypto Tax Calculator
Model FIFO, LIFO, and HIFO cost basis methods and see the tax impact of your crypto sales before you file.
Model crypto taxes →
Retirement Tax Strategy
Roth Conversion Optimizer
Find the optimal Roth conversion amount each year to fill your current bracket and model the 20-year tax savings.
Optimize your conversion →
Account Prioritization Order
Get a personalized funding order for your tax-advantaged accounts: 401(k), Roth IRA, HSA, taxable based on your situation.
Set your priority order →
Required Minimum Distribution
Calculate your annual RMD from traditional IRAs and 401(k)s based on account balance and IRS life expectancy tables.
Calculate your RMD →
Tax-Deferred vs Tax-Free Growth
Model the long-term math of Roth vs Traditional contributions based on your current and expected retirement tax brackets.
Compare growth paths →
Social Security Tax Calculator
Determine how much of your Social Security benefit becomes taxable based on your provisional income in retirement.
Calculate SS taxation →
HSA Triple-Tax-Advantage
Model your HSA as a stealth retirement account. Triple tax savings: deductible in, tax-free growth, tax-free qualified withdrawals.
Model HSA growth →
Withdrawal Order Optimizer
Determine which accounts to draw from first in retirement. Taxable, tax-deferred, and Roth sequencing can extend portfolio life by years.
Sequence withdrawals →
Real Estate & Specialty Tax
Home Sale Capital Gains Exclusion
Calculate how much of your home sale profit qualifies for the $250K single / $500K married exclusion and your remaining taxable gain.
Calculate exclusion →
1031 Exchange Calculator
Model the deferred tax savings on like-kind investment property swaps and the boot that would trigger recognition.
Model the exchange →
Depreciation Recapture
Calculate the tax hit most rental property owners miss when they sell. Recaptured depreciation is taxed at up to 25%.
Calculate recapture →
Mortgage Interest Deduction Value
Post-TCJA, the mortgage interest deduction is worth far less than most homeowners think. See your real dollar benefit.
See real deduction value →
State Tax Arbitrage
Moving from California or New York to Florida, Texas, or Washington? Model the real tax savings against cost-of-living changes.
Compare states →
Estimated Quarterly Tax
Safe harbor math for freelancers, business owners, and investors with variable income. Avoid underpayment penalties.
Calculate quarterlies →