Sample household. Every figure below belongs to an invented family, and the engines really run against it. Nothing here is editable. Start your own.

Tax levers

Toggle a lever on and enter an amount to see how it would change this year's federal picture. Figures are computed by the deterministic tax engine against your confirmed household; nothing here is a recommendation.

Pre-tax 401(k) / 403(b) deferral

Elective deferrals reduce AGI (and with it Medicare IRMAA, NIIT, and the senior-deduction phaseout).

Deductible traditional IRA

$ covered by employer plan

An above-the-line adjustment; deductibility phases out with income when covered by an employer plan.

SEP-IRA / Solo-401(k) employer contribution

For self-employment income: up to 20% of net SE earnings (after the half-SE-tax deduction), capped at the annual limit.

HSA contribution

Triple-tax-advantaged; reduces AGI. Pick self or family coverage.

Qualified charitable distribution (age 70½+)

Routes part of an RMD directly to charity, excluded from income.

Qualified business income (Section 199A)

20% deduction on pass-through business income (LLC/partnership/K-1/1099).

Real-estate depreciation / cost segregation

$ real-estate professional

Offsets rental income; a real-estate professional can apply the excess against other income.

Harvested capital losses (taxable accounts)

Realized losses offset capital gains, then up to $3,000 of ordinary income.

Charitable gift - cash

Deductible up to 60% of AGI when you itemize (e.g. via a donor-advised fund).

Charitable gift - appreciated securities

Deductible up to 30% of AGI and avoids the capital-gains tax on the donated shares.

ISO exercise (bargain element)

Exercising incentive stock options adds the spread to alternative minimum taxable income; the impact shows whether AMT would apply this year.

Toggle one or more levers and calculate to see the impact on this year's taxes.

Observations: this year's baseline

Unused 401(k) elective-deferral capacity: $41,500 this year.
Estimated-tax safe harbor: $65,665 for the year ($16,416 per quarter, current-year basis).
2026: net investment income tax applies (MAGI $446,950 exceeds the $250,000 threshold).
2026: MAGI of $446,950 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
2026: the child tax credit is partially phased out - $2,050 of $4,400 remains at MAGI $446,950; each additional $1,000 of income reduces it by $50.

Educational modeling only. Contribution and deduction limits are enforced by the engine; amounts above a household's actual eligibility are capped. Items marked for a professional are for discussion with a qualified professional.