Fiscal Tax Solutions

Strategic tax planning, preparation, IRS notice help, and estimation tools for high-income professionals, investors, and business owners. This site works best with JavaScript enabled.

Start here: guided tax intake in 4 steps

The guided intake at /start walks you through four steps and ends with a recommended next step, usually booking a free Discovery Call:

What brings you to Fiscal Tax Solutions? — Select your primary goal: proactive tax planning, tax preparation, retirement planning, real estate analysis, wealth analysis, IRS notice help, or not sure / other.
Are you an individual or business? — Individual / family (W-2 income, investments, RSUs) or business owner (LLC, S-Corp, partnership, sole proprietor).
Any complex situations? — Flag what applies: high W-2 income, a move to a different state, stock, crypto, or RSU sales, buying or selling real estate, starting or closing a business, a K-1 from an investment, or filing behind on multiple years.
Get your recommended path — Review the recommended next step and tools, then schedule your 15-minute Discovery Call when you are ready.

IRS notice help: notices we cover

The IRS notice center at /irs-notice-help covers these common IRS notices and letters, each with its own guide:

AI Tax Strategy Score

Answer a short quiz at /ai-tax-strategy-score and get a 0–100 score of your tax-planning opportunities across seven categories: withholding, retirement, investments, business, real estate, state taxes, and family.

Start My Score

Preview of the first question — “Which situations apply to you?” High-income W-2 employee RSUs ESPP Stock options / startup equity Rental property investor Business owner / 1099 income Early retirement planner Multi-state taxpayer or state move Not sure yet

Preview only — enable JavaScript to complete the interactive quiz and see your score.

AI Tax Assistant (preview)

The AI Tax Assistant at /learning-hub/ai-assistant answers tax questions in plain English. Preview only below — the live chat needs JavaScript.

Sample questions

Ask a tax question

Free tax calculators: what each one asks for

Our free tax and financial planning calculators need JavaScript to compute results. If JavaScript is turned off, the list below shows exactly which inputs each calculator asks for, so you can have your numbers ready when you re-enable JavaScript.

Paycheck Calculator

Estimate take-home pay after federal tax, state tax, FICA, retirement contributions, and deductions.

Page: /tools/paycheck-calculator

Tax year
Filing status
State
Annual salary
Pay frequency
Annual pre-tax 401(k)
Annual Roth 401(k)
Annual HSA/FSA
Annual health premiums
Annual post-tax deductions
Additional withholding per paycheck

State Tax Comparison Calculator

Compare estimated tax burden between two states for wages, business income, gains, and rentals.

Page: /tools/state-tax-comparison

Tax year
Filing status
Current state
Comparison state
W-2 income
Business income
Long-term capital gains
Rental income

Marriage Tax Calculator

Estimate whether two taxpayers may see a federal tax bonus or penalty when filing jointly.

Page: /tools/marriage-tax-calculator

Tax year
State
Person 1 income
Person 2 income
Dependents
Long-term capital gains

Estimated Tax Calculator

Estimate annual tax, remaining balance, quarterly payments, and safe-harbor targets.

Page: /tools/estimated-tax-calculator

Tax year
Filing status
State
W-2 income
W-2 withholding already paid
Self-employment income
Business expenses
Interest/dividends
Long-term capital gains
Prior-year total tax
Estimated payments already made

W-4 Calculator

Estimate whether you may be under-withheld or over-withheld and calculate additional per-paycheck withholding.

Page: /tools/w4-calculator

Tax year
Filing status
State
Expected annual W-2 income
Spouse income
Projected annual withholding
Qualifying children/dependents
Bonus, RSU, or other income
Desired refund cushion
Remaining paychecks this year

Healthcare Plan Comparator

Compare premiums, deductibles, out-of-pocket exposure, employer HSA funding, and HSA tax savings.

Page: /tools/healthcare-plan-comparator

Plan A monthly premium
Plan A deductible
Plan A out-of-pocket max
Plan B monthly premium
Plan B deductible
Plan B out-of-pocket max
Expected annual medical expenses
Employer HSA contribution
Personal HSA contribution
Marginal tax rate

Self-Employment Tax Calculator

Estimate self-employment tax, income tax, state tax, and quarterly payment needs.

Page: /tools/self-employment-tax-calculator

Tax year
Filing status
State
Net business income
Other W-2 income
Self-employed retirement contribution

Salary vs 1099 Calculator

Compare W-2 salary and independent contractor income after taxes, benefits, and expenses.

Page: /tools/salary-vs-1099-calculator

Tax year
Filing status
State
W-2 salary
1099 contract amount
Business expenses
Employer benefits value
Self-paid health insurance

QBI Deduction Calculator

Estimate qualified business income deduction and identify phaseout or SSTB limitation risk.

Page: /tools/qbi-deduction-calculator

Tax year
Filing status
State
Qualified business income
Taxable income before QBI
W-2 wages paid by business
UBIA of qualified property
Specified service business?

Tax-Smart Investment Calculator

Compare taxable, traditional, Roth, and 529-style investment growth to see projected after-tax wealth.

Page: /tools/tax-smart-investment-calculator

Sample scenario
Investment account type
Withdrawal purpose
Starting investment amount
Monthly contribution
Years to invest
Expected annual return
Inflation rate
Annual dividend / interest yield
Annual turnover / realized gains
Dividend tax treatment
Tax rate estimate mode
Tax year for rate estimate
Filing status
State of residence
Current AGI / taxable income
Expected retirement taxable income
Federal ordinary marginal rate
Future ordinary withdrawal rate
Federal long-term capital gains rate
State income tax rate
NIIT setting
Withdrawal tax assumption
Blended withdrawal tax rate
Contribution tax treatment
529 state benefit type
529 state deduction amount
529 state tax rate
529 credit rate
Annual 529 contribution cap
Tax-loss harvesting
Harvested loss estimate
Harvested loss dollars
Asset location optimized?
Long-term holding period focus?
Appreciated stock donation amount
Embedded gain in donated stock
Show step-up basis scenario?
Target after-tax goal
Show values in

Tax Loss Harvesting Calculator

Estimate how capital losses offset gains, ordinary income, and carry forward to future years.

Page: /tools/tax-loss-harvesting-calculator

Tax year
Filing status
State
Short-term gains
Long-term gains
Short-term losses
Long-term losses
Ordinary income
Prior carryforward losses

Capital Gains Tax Calculator

Estimate federal, state, NIIT, and after-tax proceeds for short-term and long-term gains.

Page: /tools/capital-gains-tax-calculator

Tax year
Filing status
State
Ordinary income
Short-term gains
Long-term gains
Capital losses
Qualified dividends

Stock Option Tax Calculator

Model ISO and NSO exercise or sale outcomes, including ordinary income, AMT warning, and estimated tax.

Page: /tools/stock-option-tax-calculator

Tax year
Filing status
State
Option type
Number of options
Strike price
FMV at exercise
Sale price
Other ordinary income

Tax-Smart Mortgage Calculator

Compare new-home affordability, after-tax ownership cost, mortgage deduction value, equity build-up, and payoff-vs-invest tradeoffs.

Page: /tools/tax-smart-mortgage-calculator

Are you buying or do you already own?
Tax year
Filing status
State
Estimated AGI / taxable income
Home purchase price (total price)
Down payment (total amount)
Loan amount (price minus down payment)
Annual mortgage interest rate
Loan term
Annual property tax rate (% of home value)
Annual homeowners insurance
Monthly HOA dues
Monthly PMI
Current home value
Current mortgage balance
Current annual interest rate
Remaining loan term
Current monthly P&I payment (principal & interest only)
Annual property tax
Annual insurance
Monthly HOA
Extra monthly principal
One-time principal payment
Annual extra principal
Tax rate mode
Federal marginal tax rate
State marginal tax rate
Other itemized deductions
Current standard deduction override
SALT cap assumption
Mortgage interest debt limit
Expected home appreciation
Expected investment return
Years to analyze
Expected selling cost

Student Loan Payoff Calculator

Estimate payoff timing and interest savings from extra student loan payments.

Page: /tools/student-loan-payoff-calculator

Loan balance
Interest rate
Monthly payment
Extra monthly payment
One-time payment

Auto Loan Payoff Calculator

Estimate auto loan payoff date, total cost, and interest saved from extra payments.

Page: /tools/auto-loan-payoff-calculator

Loan balance
Interest rate
Monthly payment
Extra monthly payment
One-time payment

Rental Property Tax Calculator

Estimate rental cash flow, depreciation, taxable rental income, passive loss limits, and tax benefit.

Page: /tools/rental-property-tax-calculator

Tax year
Filing status
State
Property value
Land value
Purchase price
Annual rent
Annual mortgage interest
Property tax
Insurance
Repairs/maintenance
Management fees
Other expenses
AGI before rental loss
Active participation?

Short-Term Rental Tax Planner

Model the 7-day rule, material participation, Augusta Rule, self-employment tax exposure, and bonus depreciation for your Airbnb/VRBO.

Page: /tools/short-term-rental-tax-planner

Tax year
Filing status
State
Purchase price
Land value
Furnishings & appliances (5-year property)
Land improvements — deck, fencing, landscaping (15-year property)
Gross rents collected
Average guest stay (days)
Days rented during the year
Personal-use days
Hours you worked on the rental
Substantial guest services? (daily cleaning, meals, tours, experiences)
Mortgage interest
Property tax
Insurance
Utilities
Cleaning & turnover
Management / platform fees
Supplies & linens
Other expenses
Other income — W-2, business, etc.

Rental Real Estate Inputs

Enter shared rental property, loan, rent, expense, depreciation, and prior-year facts for performance and equity dashboards.

Page: /tools/rental-real-estate-inputs

This interactive workspace requires JavaScript to display.

Rental Equity Dashboard

Project how rental properties build owner equity through principal payoff, appreciation, improvements, and sale planning.

Page: /tools/rental-equity-dashboard

This interactive workspace requires JavaScript to display.

Net Worth Calculator

Calculate total assets, liabilities, net worth, liquid net worth, and asset allocation.

Page: /tools/net-worth-calculator

Checking/savings
Taxable brokerage
Retirement accounts
HSA
Real estate value
Business value
Other assets
Mortgage debt
Student loans
Auto loans
Credit cards
Other debt

Roth Conversion Calculator

Estimate conversion tax, bracket impact, long-term Roth value, and possible break-even timing.

Page: /tools/roth-conversion-calculator

Tax year
Filing status
State
Age
Current taxable income before conversion
Traditional IRA/401(k) balance
Proposed conversion amount
Future tax rate estimate
Expected return
Years to grow
Pay conversion tax from cash?

Backdoor Roth Calculator

Estimate taxable and non-taxable conversion portions under the IRA pro-rata rule.

Page: /tools/backdoor-roth-calculator

Tax year
Filing status
State
Pre-tax traditional IRA balance
SEP/SIMPLE IRA balance
Existing nondeductible IRA basis
New nondeductible contribution
Conversion amount
Marginal tax rate

Roth vs Traditional Calculator

Compare projected after-tax outcomes of Roth and traditional retirement contributions.

Page: /tools/roth-vs-traditional-calculator

Annual contribution
Current tax rate
Retirement tax rate
Years to grow
Expected return

RMD Calculator

Estimate required minimum distributions, taxable income impact, and projected future RMDs.

Page: /tools/rmd-calculator

Tax year
Filing status
State
Age
Traditional account balance
Expected return
Other taxable income

Child Tax Credit Calculator

Estimate Child Tax Credit, Other Dependent Credit, and phaseout impact.

Page: /tools/child-tax-credit-calculator

Tax year
Filing status
MAGI
Children under 17
Other dependents

HSA Tax Savings Calculator

Estimate federal, state, payroll tax savings, and long-term HSA growth.

Page: /tools/hsa-tax-savings-calculator

Coverage type
Age
Personal HSA contribution
Employer HSA contribution
Federal marginal rate
State marginal rate
Contributed through payroll?
Years to grow
Expected return

529 College Savings Calculator

Estimate future college costs, recommended monthly 529 savings, tax-free growth value, state benefits, and funding gaps.

Page: /tools/529-plan-tax-calculator

Tax year
Filing status
State
Number of beneficiaries
Child 1 current age
Child 1 college start age
Child 2 current age
Child 2 college start age
Child 3 current age
Child 3 college start age
College cost type
Current annual college cost
College cost inflation
Current 529 balance
Current monthly contribution
Years to keep contributing
One-time planned contribution
Annual contribution increase
Expected annual return
Estimated AGI / household income
529 plan selected
Annual contribution for state benefit
Tax rate estimate mode
Federal marginal tax rate override
State marginal tax rate override
Funding goal
Percent of cost to fund
Target balance if selected
Contribution timing
Return during college years

Charitable Donation Tax Calculator

Estimate deduction value, appreciated stock benefit, and itemization impact.

Page: /tools/charitable-donation-tax-calculator

Tax year
Filing status
State
Cash donations
Appreciated stock FMV
Appreciated stock basis
AGI
Other itemized deductions

Tax-Efficient Wealth Review

Turn weekly or monthly cash flow into tax-smart wealth decisions, leakage flags, FI progress, and advisory next steps.

Page: /tools/tax-efficient-wealth-review

Sample scenario
Check-in period
Filing status
Current state
Current age
Target retirement age
W-2 income this period
RSU / bonus income this period
Business income this period
Rental income this period
Investment income this period
Federal tax withheld / paid
State tax withheld / paid
Estimated tax payments
Mortgage / rent
Utilities
Insurance
Groceries
Child expenses
Dining
Travel
Shopping
Business expenses
Debt payments
Investment contributions
Annual retirement spending need
Cash / savings
401(k) / retirement assets
Taxable brokerage
Real estate equity
Business value
Annual 401(k) contribution
Target 401(k) contribution
HSA eligible?
Annual HSA contribution
Target HSA contribution
Backdoor Roth completed?
RSU / stock comp?
Rental property?
Business owner?
Tax rate estimate mode
Federal marginal rate override
State tax rate override
Estimated retirement tax rate override
Expected annual return
Prior period spending
Prior period income