Check everything that applies to you below and the list narrows to the moves that matter for your situation. Each one has a plain-words guide and a live estimate.
Your Foundations always show. Everything else appears when it fits what you select.
Start here. Accounts that lower tax for almost everyone, gated by income and filing status.
The only triple tax-free account, for medical costs.
Lower this year's tax while building retirement.
A retirement account you open yourself, with a tax break.
Pre-tax dollars for medical and childcare costs.
Get up to 50% back on retirement savings.
Up to $7,500 off your tax for a new EV.
Stop overpaying; keep more in each paycheck.
Always take the bigger of the two deductions.
Cluster two years of deductions into one.
Time income across year-end into the low bracket.
A refundable credit for working people on modest incomes.
Moves for anyone with a brokerage account.
Turn investments that are down into a tax deduction.
Sell winners at a 0% federal rate in low-income years.
Give winners instead of cash and skip the gains tax.
Place holdings smartly to cut yearly tax drag.
Old losses keep cutting tax, year after year.
Tax-free interest that can win in high brackets.
Hold a year and a day for the lower rate.
Lock in gains at 0% in low-income years.
Harvest losses without tripping the rule.
Harvest losses even when the index is up.
Defer gains, and grow the rest tax-free.
Spread a big gain's tax across years.
Deductions and breaks for owning a home.
Skip tax on a big chunk of your home sale profit.
See if itemizing beats the standard deduction.
30% credit on heat pumps, windows, and more.
When mortgage interest makes itemizing pay.
Strategies that matter most at higher incomes.
Get into a Roth even when you earn too much.
Move tens of thousands more into a Roth each year.
Stay under the 3.8% surtax on investment income.
Bunch giving for a big deduction now, grant later.
Cluster giving to clear the itemizing line.
Stage option exercises to dodge a surprise AMT bill.
Stay under the Medicare premium cliffs.
Trim the wages that trigger the 0.9% surtax.
Shift pay into a lower-tax future year.
For freelancers, contractors, and small business.
Deduct up to 20% of your business income.
Cut self-employment tax with salary plus distributions.
Large tax-deferred savings for the self-employed.
Deduct part of your home used for business.
A big, simple retirement deduction for the self-employed.
Write off equipment fully the year you buy.
Rent your home to your business, tax-free.
Pay your kids; shift income to a zero bracket.
The biggest shelter for the right business.
Reimburse expenses tax-free through your business.
Deduct health premiums without itemizing.
Turn business miles into a deduction.
Credits to start your team's retirement plan.
Saving for kids, childcare, and college.
A direct credit for each qualifying child.
Offset tuition with the AOTC or Lifetime Learning credit.
Tax-free growth for education, often state-deductible.
A credit for childcare so you can work.
Give ~$19,000 per person each year, tax-free.
Keep a child's gains in their low bracket.
Smart moves around retirement income.