Use real figures, not round ones
Pull your profit from your bookkeeping, not memory. Pull withholding from an actual pay stub. Round numbers produce round answers, and rounding errors compound quickly across a full year of estimates.
Free tools · 2026 tax year
Run your own numbers before someone else does
Six calculators built around questions practice owners commonly ask: What might I owe? Am I withholding enough? What does this hire really cost? How much might I be able to contribute toward retirement? Free, private, and honest about their limits.
Pick a question
Six calculators, one tax year, no email gate
Each one shows its work, the brackets it walked, the wage bases it applied, and the figures it deliberately left out. Everything runs in your browser; nothing you type leaves your device.
Federal Income Tax Calculator
Taxable income, federal tax, effective and marginal rate, with every bracket laid out so you can see where the money actually goes.
Want the full write-up, assumptions and FAQ, or a link you can share?
Open this calculator on its own page →
Self-Employment Tax Calculator
The 15.3% nobody warned you about, split into Social Security and Medicare, with the deductible half and a suggested quarterly payment.
Want the full write-up, assumptions and FAQ, or a link you can share?
Open this calculator on its own page →
Tax Withholding Calculator
Refund or shortfall? Enter one paycheck and get a per-paycheck adjustment you can take straight to your W-4.
Want the full write-up, assumptions and FAQ, or a link you can share?
Open this calculator on its own page →
Employer Payroll Tax Calculator
What a hire really costs, employer Social Security, Medicare, FUTA and state unemployment stacked on top of the salary you quoted.
Want the full write-up, assumptions and FAQ, or a link you can share?
Open this calculator on its own page →
401(k) Contribution Calculator
Contribution, employer match, current-year tax saving and a projected balance at retirement, including the 2026 catch-up limits by age.
Want the full write-up, assumptions and FAQ, or a link you can share?
Open this calculator on its own page →
Total Tax Liability Estimator
Wages, practice profit, other income and capital gains in one place, with self-employment tax, credits and payments netted to a refund or balance due.
Want the full write-up, assumptions and FAQ, or a link you can share?
Open this calculator on its own page →
Want it done for you?
A calculator can show you the shape of the answer. It cannot sign your return.
These tools use the same brackets we do, but they cannot see your state, your phase-outs, your QBI deduction or the depreciation schedule sitting in last year's file. That part takes a person.
- Tax Preparation & Planning (quarterly estimates set, not guessed
- S Corp Strategy Report) the full math, in writing
- Payroll & Retirement, reasonable comp and 401(k) strategy
- Total Harmony Package, all of it, all year, one flat fee
Educational estimate only, not tax, legal, or accounting advice. Every situation is different; book a consultation for guidance specific to you.
Using them well
How to get something useful out of a tax calculator
The number a calculator gives you is only as good as what you feed it, and only as good as the assumptions behind it. Three habits make the difference.
Read the assumptions before the answer
Every calculator here opens with an accordion listing the exact brackets, wage bases and limits it used, plus what it deliberately ignores. If an assumption does not match your situation, the result will not either.
Treat the result as a question, not a decision
A calculator result can help you identify questions worth discussing with a tax professional. It should not be treated as a recommendation or final tax calculation. It is not telling you your salary is defensible, your state agrees, or the timing works this year.
Honest limits
What these calculators leave out on purpose
A tool that pretends to model everything ends up modeling nothing accurately. Here is what we deliberately do not attempt.
State and local tax
Every calculation here is federal. State and local taxes are excluded from these calculators and can materially affect the final result.
The QBI deduction
The Section 199A qualified business income deduction can reduce taxable income by up to 20% for many practice owners, with phase-outs that hit specified service businesses, which includes most health and wellness practices. It is not modeled anywhere here.
Phase-outs and alternative regimes
Credit phase-outs, the alternative minimum tax, net investment income tax, itemized deduction limits, and the dozens of situational adjustments that make a real return a real return. Those need eyes on your documents.
Questions, answered
Before you start typing numbers in
Are these tax calculators free to use?
Yes. All six are free, run entirely in your browser, and require no email address or account. There is no form submission and nothing you type is sent to us or stored anywhere.
What tax year do the calculators use?
Tax year 2026, the return you file in 2027. Every page lists the exact brackets, standard deduction, wage bases and contribution limits it used in an "assumptions used" accordion, so you can check the arithmetic yourself rather than taking it on faith.
Do the calculators include state taxes?
No. These are federal calculations only. State income tax, local tax and state-specific rules are not modeled. The one exception is the employer payroll tax calculator, which lets you enter your own state unemployment rate and wage base because those vary so widely.
Can I rely on these numbers for my actual return?
No. They are educational estimates built on simplified assumptions. Real returns involve phase-outs, credits, the qualified business income deduction, alternative minimum tax and state rules that no general-purpose calculator captures. Use the results to frame a conversation, then book a consultation before you act on them.
Which calculator should I start with?
If you are self-employed and want a quick reality check, start with the self-employment tax calculator. For a full picture of the year including what you have already paid in, use the total tax liability estimator. If you are weighing an entity change, the S Corp Strategy Report runs it against your own figures.
Is my information private?
Completely. The calculators are plain JavaScript running on your own device. There is no form submission, no analytics event carrying your figures, and nothing saved between visits. Close the tab and the numbers are gone.
I got a number I did not expect. What now?
That is usually worth an hour of someone's attention. A one-time consultation starts at $75, enough to work out whether the surprise is a data-entry issue, a genuine planning gap, or something the calculator simply cannot see.