Tax Savings Estimator
Three questions. A rough estimate of what proactive tax planning could shift on your effective rate.
Free · No signup · Directional estimate only
Math, not magic.
The estimate is a marginal-rate model: federal brackets (2026) + the state rate you select + entity-specific adjustments (SE tax for sole prop / LLC, payroll-tax split for S-Corp, double tax for C-Corp). The "achievable" rate assumes typical planning levers we use on actual engagements — entity election, retirement plan layering, accountable-plan reimbursements, R&D / QBI / depreciation positioning.
Real numbers depend on your full situation — state nexus, deductible benefits, family structure, prior-year carryovers. The tool exists to start the conversation, not to replace one.
How the Tax Savings Estimator works
Most owner-operators overpay tax for one reason: planning happens once a year, at filing — after the levers that actually move your effective rate have already closed. This estimator gives you a directional read on what proactive, year-round planning could shift, based on your income and how your business is taxed.
It is a starting point, not a tax return. Real savings depend on your full picture — state of residence, deductions, retirement contributions, entity structure, and the timing of income and expenses. Treat the number as a signal for whether a deeper conversation is worth your time.
Frequently asked
- Is this an exact number?
- No. It is a directional estimate from a few inputs. Your actual savings depend on your complete return — deductions, credits, state tax, retirement contributions, and how your income is structured.
- What actually reduces my effective rate?
- Common levers include choosing the right entity, setting a reasonable S-Corp salary, timing income and expenses, maximizing retirement and HSA contributions, and using available credits. Which ones apply depends on your situation.
- Who is this for?
- Self-employed people and owner-operators of small to mid-sized businesses. If you take only a W-2 salary with no side income, standard withholding usually covers you.