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Not tax advice · Federal taxes only
2026 TAX PLANNING, WITHOUT THE GUESSWORK
What if you could test every tax move before you make it?
From your 401(k) and HSA to Roth conversions and RMDs, run each move side by side and see the tax and cash impact.
Built by an experienced CPA. Shared freely to help you plan with confidence.
- YOUR PRIVACYYour tax data stays with youFiles are read on your device, never uploaded. Tax calculations happen in your browser.
- A FREE RESOURCEFree to use. No separate signup.Taking the mystery out of tax planning—free and easy to explore.
- CPA-SELECTED STRATEGIESExplore more than one possibilityCompare multiple tax strategies side by side, with the tax impact and cash needed in view.
How your information is handled
- Local document processing. Your documents and tax figures are processed in this browser, not sent to a server by this tool.
- You choose what to save. Saving is off by default. “Remember on this device” stores your entries in this browser; anyone with access to it may be able to see them. Use a private device, and turn saving off to clear the saved copy.
- Your exports stay under your control. Downloaded comparisons and saved plan files contain your information. Keep those files somewhere private.
- Feedback is separate. Only the feedback you submit, including any optional email, is sent through Web3Forms. Your documents and results are not automatically attached. Do not include sensitive tax details in feedback.
USE WITH YOUR AI ASSISTANT
Prefer Claude or Codex?
Try our free Tax Planning for All skill. Start with a return, your own numbers, or a rough income estimate to explore strategies and understand the money needed.
The skill provides planning guidance; dollar estimates need a compatible calculator. Documents shared with an AI assistant follow that platform’s privacy policies.
How do you want to start?
Enter numbers yourself
No upload needed. Start with the two amounts below, or open the full worksheet to enter more.
Use expected full-year taxable pay. Add future withholding in the full worksheet.
Open full worksheetRentals · K-1s · Other income · Deductions · Tax payments · 2025 figures
2026 filing status
Choose the filing status you expect to use in 2026.
Changed from 2025. Everything else stays the same as your 2025 return.
YOUR PLAN
Selected strategies
Build your comparison
Add a strategy, then enter the extra amount you want to try.
Full worksheet — review and edit your numbers Other income, deductions, tax payments and 2025 figures · click to open
2025 actual · 2026 projected worksheetInterest, investments, business income, payments and other adjustments
Paystub amounts flow into the 2026 column. Review other income and deductions here. Entries are kept only while this page stays open; download your comparison before leaving.
2025 withholding and estimates are not copied. Only the reviewed line 36 credit applies to 2026. Separate paid and planned estimates in Credits & payments below; enter full-year withholding from your paystub or worksheet.
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Refine your 2026 assumptions.
Update pay, filing status, deductions and payments to refine your projection.
Enter the total after applicable limits. Include eligible mortgage interest, charitable gifts and deductible taxes. Standard-only needs no itemized entry.
Age 65+? Add your age deductions
Each strategy is a separate alternative to your 2026 baseline. Combined plans recalculate the selected strategies together.
Full comparison · tax and cash
A smaller balance due from paying more tax is not a tax saving. Delaying income may move tax to a later year.
Cash required
New cash contributions, investments, fees and extra tax payments. Cost segregation includes the full property purchase price, before financing. Donated stock is shown separately as a noncash gift.
Net cash commitment
New cash required, plus any estimated tax increase or minus a current-year tax reduction. A reduction may arrive later; deferred tax can still be due in a future year.
What is not included
Future growth, sale taxes and investment returns are excluded. Stock gifts show asset value separately. Property funding uses the full purchase price; loans are not modeled.
Privacy & data security
Your documents never leave your device. Returns, paystubs and statements are opened and read inside your browser (PDF.js and Tesseract text recognition run on this page). Every calculation also runs here. There is no server-side processing, account or database.
How this is enforced
- Browser-enforced network lock. The page sets a Content Security Policy. Your browser itself blocks it from sending data to any other website. The only exceptions are this site's own address, which it needs to load its files, and the optional feedback service (api.web3forms.com), which is used only when you press Send feedback. Images, form posts and plugins that point elsewhere are blocked as well.
- No trackers. No analytics, advertising, cookies, third-party scripts or third-party fonts. Text recognition models are bundled with the site and not cached.
- Nothing is stored unless you choose it. Entries live in this page's memory and disappear when you close it. “Remember on this device” saves them only in this browser's local storage; turning it off deletes them. Exported files are created on your device.
- Feedback contains only what you type. Tax figures, documents and results are never attached.
- Checked automatically. An automated test fails if a code change adds a new outbound connection, storage use or third-party resource.
Check it yourself
Open your browser's developer tools, choose the Network tab, then upload a document. You will see the site's own files load, and no upload of your document or numbers.
Limits
Like any website, the hosting service sees standard request information such as your IP address and which files were loaded, but not your entries. The host also adds a small script of its own for site management; the same network lock applies to it. Browser extensions and malware on your device can read any page you open, so use a trusted device and close the page when you finish on a shared computer.
How the estimates work & sources
Tax uses 2026 federal rules. Automatic mode calculates AMT, QBI and supported deductions from 2026 inputs. Reviewed manual amounts remain available for complex cases. Credits remain separately reviewed inputs.
Federal estimates use 2026 ordinary and capital-gain brackets, self-employment tax, net investment income tax and Additional Medicare tax. State and local taxes are excluded.
Enter taxable Social Security and eligible credits. Review the current-year business and deduction components used by automatic calculations. Age allowances and the enhanced senior deduction are calculated from your age selections; do not enter them again as other deductions. Automatic calculations include the 2026 AMT exemption/phaseout, QBI limits, SALT cap/phaseout, medical and charitable floors, and the overall itemized limitation. Noncash gifts/carryovers, mortgage eligibility, special-rate gains, depreciation, recapture and penalties need additional review. Contribution warnings compare selected 2026 limits with entered amounts; they do not enforce limits or establish eligibility. The default deduction compares standard and itemized options and chooses the lower estimated total tax. Select itemized-only when the standard deduction is unavailable. Payroll tax savings on employee elections are not modeled.
In return mode, 2025 totals are your entered as-filed amounts. Direct mode uses only 2026 estimates. Documents are read locally using PDF.js and Tesseract OCR. Imported amounts require your review; unsupported or uncertain fields need manual entry. Files are never uploaded. Entries are kept on this device only if you turn on “Remember on this device”.
IRS 2026 tax adjustments · IRS retirement limits · IRS 2026 HSA limits · IRS payroll treatment and benefit limits
2026 AMT and QBI parameters · QBI calculation guidance · IRS 2026 age allowances · IRS senior deduction calculation · IRS required withdrawals