Tax Planning

Calculate your self-employment tax — Social Security, Medicare, and the deductible half — plus see how it stacks up against a W-2 employee. Built for freelancers, contractors, and small business owners.

Calculate how much of your Social Security is taxable using the IRS combined income formula. See the tax torpedo effect and find strategies to keep more of your benefits.

IRMAA surcharges are based on income from two years ago — which means a retirement, divorce, or other major life change can trigger higher Medicare premiums unfairly. Here is how to appeal and when to expect relief.

Roth conversions are one of the most powerful retirement tax tools available — but timing matters enormously. Here is how to identify your conversion window and size each year's conversion correctly in 2026.

Pre-tax or Roth 401(k)? The decision is driven by your tax bracket now versus in retirement — but two SECURE 2.0 changes make the Roth more attractive in 2026 than ever before.