2026 tax year · No sign-up · Nothing is saved unless you ask us to call
How much more could you keep?
Put in rough numbers from last year's return. You'll see your estimated tax, the simple moves that lower it, and the bigger strategies worth a conversation.
Your numbers
2026 tax yearIncome
Total income$315,000
What you already do
The biggest single move here is worth about $4,031 a year. Illustration only, not a guarantee.
Simple moves
Check the ones to combine| Move | Taxable income | Total tax | Keeps | |
|---|---|---|---|---|
| Today Itemizing · QBI deduction $11,152 | $247,571 | $59,651 | — | |
| Max your 401(k) Raise pre-tax deferrals to $24,500. | $233,796 | $55,620 | $4,031 | |
| Max an HSA Needs a high-deductible health plan. Limit $8,750. | $239,258 | $57,219 | $2,433 | |
| Business retirement plan Solo 401(k) employer share, about 20% of net self-employment income. | $240,921 | $57,612 | $2,039 | |
| Bunch charitable gifts Give two years of gifts in one year through a donor-advised fund. | $235,571 | $56,771 | $2,880 | |
| Combined | $247,571 | $59,651 | $0 |
Roth conversion calculator
Pay tax now, or later?- Extra tax this year
- $27,800 (27.8% of the amount)
- Value in 15 years
- $239,656
- Roth, after the tax paid
- $173,032
- Left pre-tax, after tax
- $182,138
Bigger strategies to talk through
Need an advisor, a pro forma and a CPA- Energy credits (battery storage)Closing
Battery-storage business: a 40% credit carried back three years becomes the down payment, and depreciation lowers this year's tax.
- Leveraged charitable (REVO)
Client buys a Series LLC holding gift cards worth about 5 times its price and can donate them at fair value (deduction up to 60% of AGI); needs a written CPA opinion before presenting.
- Tiny home strategy
Furnished Clayton tiny home in a managed rental park, 90% financed; the full cost can be deducted in year one.
- SOP program
Accredited-investor program with capital in a managed entity that issues a K-1.
- Flex Method
Moves large pre-tax balances into a cash-value policy over several years, with a tax strategy offsetting each year's 1099.
- Kai-Zen
Lender helps fund premiums alongside the client's contributions for a larger policy.
- IUL / LIRP tax-free income
Cash-value IUL for tax-free policy loans later and an income-tax-free death benefit.
Talk to TFF about this
A short, no-pressure call to see which of these fit you. We'll keep the numbers you tried so you don't have to start over.
Simplified estimate using 2026 federal brackets and standard deductions, a flat state rate, a simplified QBI deduction and the deductible half of self-employment tax. It doesn't model credits (other than the energy program), AMT, the 3.8% NIIT, age-based deductions or phase-outs other than the SALT cap. Strategy figures come from partner material and need confirming against current program documents. Educational only; confirm with a CPA before acting.