Overview
Snapshot
The full breakdown behind the snapshot above. Use the toggle below to switch between the plain Projection and Projection + Strategic Planning, which applies the strategies in this client's plan so you can show the before / after. Export either version from the export menu.
⇪Import prior year returnsDrop 1040 PDFs here or click to choose. We read the figures to populate prior year data.
$0
Combined tax
Step 01
Profile
Filing status, dates of birth, and dependents drive every bracket, threshold, and credit. Set these first.
Client name
Names this saved projection and appears on the client deliverable.
Spouse name (if applicable)
Shown on the client deliverable for joint returns.
Filing status
Drives every bracket, standard deduction, and phaseout.
Client address
Shown on the client deliverable; auto-filled from an imported 1040.
Client email (if applicable)
Contact email for the client; stored with the projection.
Client phone (if applicable)
Contact phone for the client; stored with the projection.
Spouse email (if applicable)
Contact email for the spouse; stored with the projection.
Spouse phone (if applicable)
Contact phone for the spouse; stored with the projection.
Background, goals & situation
Document the client’s situation, goals, recent or expected changes, concerns, and anything else relevant. This is included in the AI strategy analysis.
Included in the AI strategy analysis. Don’t enter SSNs or other sensitive identifiers.
Taxpayer date of birth
Enter a date of birth and the year-end age is calculated automatically. 65+ unlocks the extra standard deduction and the OBBBA $6,000 senior bonus (2025 to 2028).
Spouse date of birth (if applicable)
Qualifying children under 17 (CTC) (if applicable)
$2,200 each; phases out above $400K MFJ / $200K others.
Other dependents (ODC) (if applicable)
$500 each, same phaseout.
State of residence
Step 02
Income
Enter annual totals. For a business or rental, switch to Build from detail to walk the client through deductions line by line and watch the tax move.
$0
Total income
Tax year2026
Wages & compensation
Taxpayer W-2 wages (Box 1)
↘ Federal withholding↘ State withholding
$
Spouse W-2 wages (Box 1)
$
Other / supplemental wages
Bonuses, RSUs, option income.
$
Interest, dividends & capital gains
Taxable interest (1099-INT)
$
Tax-exempt interest
Informational. Counts toward SALT, NIIT and SS thresholds.
$
Dividends (1099-DIV)
portion qualified (1b)$
total ordinary (1a)$
Short-term capital gain / (loss)
$
Long-term capital gain / (loss)
0% LTCG bracket applies up to the filing-status threshold (see Reference card).
$
Capital loss carryover (negative)
$
Business income, Schedule C / self-employment
Pass-through K-1s
Rental real estate
Retirement, Social Security & other
Pension / annuity / IRA / 401(k) distributions
$
Social Security, gross received
Up to 85% taxable. Taxable portion computed below.
$
SS taxable portion (calculated)
$0
Unemployment
$
Alimony received (pre-2019)
$
Other income
$
Step 03
Deductions
Above-the-line adjustments reduce AGI first, then the tool takes the higher of itemized or standard, then QBI.
$0
Total deductions
Tax year2026
Adjustments to income (reduce AGI)
Traditional IRA deduction
$
HSA contribution (not via payroll)
2026: $4,400 self / $8,750 family / +$1,000 at 55.
$
SEP / Solo-401(k) / SIMPLE (employer)
$
Self-employed health insurance
$
½ self-employment tax (auto)
↗ From business income
$0
Student loan interest (max $2,500)
$
Educator expenses
$
Alimony paid (pre-2019)
$
Other adjustments
Other Schedule 1 above-the-line adjustments not listed above (e.g. penalty on early withdrawal of savings, Archer MSA). Auto-filled on 1040 import.
$
Itemized deductions (Schedule A)
Unreimbursed medical (gross)
Only the part above 7.5% of AGI counts.
$
State income tax paid
$
Real estate property tax
$
Personal property tax (vehicle reg.)
$
SALT after cap (calculated)
2026 cap $40,400, phasing to $10,000 between $500K and $600K MAGI.
$0
Home mortgage interest
$
Investment interest expense
$
Charitable donations (total)
New for 2026: first 0.5% of AGI in gifts is not deductible (itemizer floor).
$
Casualty loss (declared disaster)
$
,
Qualified Business Income (199A)
Total QBI from pass-throughs
↗ Business income↗ K-1 income
$
Is this an SSTB?
Health, law, accounting, consulting, financial services, etc.
W-2 wages paid by business(es)
$
UBIA of qualified property
$
QBI deduction (calculated)
$0
Step 04
Tax detail
Ordinary brackets, with LTCG and qualified dividends stacked on top and capped at actual taxable income, plus the surtaxes and credits.
$0
Federal tax
Tax year2026
Taxable income
$0
Ordinary-rate income
$0
Preferential income taxed (LTCG + qual. div., capped at taxable income)
$0
Tax on ordinary income
$0
Tax on LTCG / qualified dividends
$0
AMT additional (simplified check)
$0
Self-employment tax
↘ ½ deducted above
$0
Additional Medicare (0.9%)
$0
Net investment income tax (3.8%)
$0
Credits
Child Tax Credit (after phaseout)
$0
Credit for other dependents
$0
Dependent care credit
$
Education (AOTC / LLC)
$
Retirement saver's credit
$
Residential clean energy
$
Energy-efficient home improvement
$
EV / clean vehicle
$
Foreign tax credit
$
Other credits (R&D, WOTC, etc.)
$
Step 05
Payments
What's already been paid in. Drives the refund or balance due on the snapshot.
$0
Total paid in
Tax year2026
Federal withholding (W-2 / 1099-R)
↗ W-2 wages
$
Prior-year refund applied
$
Q1 estimate (4/15)
$
Q2 estimate (6/15)
$
Q3 estimate (9/15)
$
Q4 estimate (1/15/27)
$
Other / catch-up payments
$
Step 06
State tax (Utah)
Flat 4.45% with the Utah Social Security credit handled automatically. Override the rate below if needed.
$0
State tax
Tax year2026
State withholding (W-2 / 1099-R)
↗ W-2 wages
$
Q1 estimate (4/15)
$
Q2 estimate (6/15)
$
Q3 estimate (9/15)
$
Q4 estimate (1/15/27)
$
State additions (other-state muni, etc.)
$
State subtractions (US bond interest, etc.)
$
State taxable income
$0
State rate override
Leave blank to use the selected state's schedule. Enter a decimal (e.g. 0.05) to force a flat rate.
Other state credits (my529, solar, EV)
$
Step 07
Bottom line
Where the projection lands: federal refund or balance due, state refund or balance due, and the combined net for each year.
$0
Net refund / (due)
Tax year2026
Step 08
Summary
A high-level recap of each main calculation above: total income, deductions, taxable income, federal and state tax, the combined total, and the effective and marginal rates. Expand to see all the figures, or add a year to compare two to four years side by side.
→
Hit Pin baseline on the snapshot, then change any figure. The snapshot shows savings versus the pinned number.
Planning & StrategyThe projection above is set, now lower the tax with the plan, framework, and strategies below.
Planning framework
Framework
Walk these eight levers top-to-bottom in every client conversation. Open any step to drop the firm's go-to strategies straight into the tax plan.
Strategy reference
Strategies
180 strategies with IRC citations, implementation steps, and risk notes. Filter to focus a client conversation.
AI tax advisor
AI-recommended strategies
A CPA-style review of this client's projected return, with the highest-impact strategies selected from the library below. A summary of the client's figures and background notes is sent to an AI service for this analysis, avoid entering SSNs or other sensitive identifiers.
Tax FilingSet the internal complexity level, then draft the client's tax return delivery email from the finished return.
Internal use
Complexity Level
An internal preparer-assignment level (1 to 5) suggested from this client's return. Adjust upward for high net worth, high income, or added moving parts. Not shown to the client.
Client deliverable
Tax Return Delivery
Drop the client's finished tax return PDF. We read the real numbers and draft a warm, accurate delivery email you can review and send, plus private preparer notes. SSNs and EINs are stripped before analysis; the file is read in your browser and not stored.
⇪
Drop the tax return PDF here, or click to choose
Federal and state returns in one PDF are fine.
Draft for preparer review, not final. Verify every figure before sending.
Log / Tasks / TimelineLog every client interaction, track who owes what by when, and see the year's key dates at a glance.
Engagement record
Log: Notes/Emails
Log calls, meetings, transcripts, and running notes. Everything here is saved with this projection and read by the AI advisor when it generates recommendations.
AI email assistant
Paste a client email and get a friendly reply that answers everything they raise, using this client’s figures and notes. Review before sending; no SSNs.
Draft for advisor review, not final advice.
Included in the AI strategy analysis. Don’t enter SSNs or other sensitive identifiers.
Action tracker
Action Items
Open items for the Tax Advisor and the Client. Each has an owner and a due date. Mark items complete when done, completed items move to the past list below.
Assign to the Tax Advisor or the Client, set a due date, and mark complete when done.
Year at a glance
Timeline
Key tax deadlines, quarterly estimated payment dates, quarterly meetings, and this client's action items across the year. Switch years with the selector. A marker shows where today falls and what is up next.
Year
Client DeliverableTurn the projection and plan into a polished, branded proposal with recommended pricing.
Client deliverable
Proposal
Generate one polished, client-facing proposal from this projection, the before/after savings, the strategies you’ve added, how the firm works, and a clear next step. Best results: build the projection, pin the baseline, then add strategies in the Tax plan before generating.
1
Build the projection
Enter the client’s income, deductions and state.
2
Pin the baseline
Lock the “no-plan” tax so savings are measured against it.
3
Add strategies
Select strategies and model amounts in the Tax plan.
4
Generate proposal
Produce the client deliverable, then download or save.
Proposal sections
ReferenceFirm reference numbers and a shared library of reusable templates.
Quick reference
Reference, 2026 key numbers
Source: IRS Rev. Proc. 2025-32 and the One Big Beautiful Bill Act. For planning, not a filed return.
Templates
Templates
A shared library of reusable templates: Excel workbooks, email drafts, and other documents for quick reference. This library will grow over time.