What Is the Smart Tax Savings Estimator?

A free, private tax strategy calculator that gives you a personalized plan to reduce your tax bill for 2025 and 2026. No sign-up, no email, no data collection — everything runs privately in your browser.

Most tax calculators just tell you what you owe. This one tells you what to do about it.

What Can You Calculate?

• Federal income tax refund or balance due for 2025 and 2026
• State income tax estimates (California available now, more states coming)
• Effective and marginal tax brackets (federal and state)
• Tax savings from HSA, 401(k), Traditional IRA, and pre-tax contributions
• QBI deduction for sole proprietors, LLCs, and S-corp pass-through income
• Capital gains tax on long-term and qualified dividend income
• Year-end tax planning strategies personalized to your situation

How It Works

Built on the IRS 2025 tax brackets and the 2026 brackets under the One Big Beautiful Bill Act (OBBB), plus state-specific tax codes. The calculator models retirement contributions, business deductions, investment income, and credits — then surfaces personalized year-end tax planning strategies based on your specific situation.

All calculations happen in your browser. Nothing is sent to any server.

Privacy & Security

Your data never leaves your browser. There are no accounts, no cookies tracking you, no analytics collecting your financial information.

The only data storage used is your browser's localStorage, which keeps your tax profile available between the federal and state calculators on the same device. You can clear this anytime through your browser settings.

Our Calculators

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