Taxes

Federal + state tax modeling: AMT, NIIT, IRMAA, QBI, PTET, Roth conversions, RSU/ISO/AMT, state pro-forma comparison. Runs entirely in your browser — no data uploaded.

What's included

Verified 2026 federal tax brackets and OBBBA 2025+ provisions, plus approximate state-tax estimates for all 50 states + DC.

🧾

Tax Optimizer

Federal + state + FICA + Medicare + Additional Medicare + NIIT + AMT — your tax burden modeled line-by-line.

🗺

State Pro-Forma (all 51 jurisdictions)

Compare a hypothetical move — e.g. "what might my state tax look like in Texas?" — using approximate state-tax estimates for all 50 states + DC built on simplified brackets. Educational estimates only — verify state figures with your state tax authority or a tax preparer before any move-related decision.

🔄

Roth Conversion Ladder

Multi-year planner that models bracket-aware Roth conversions year by year, accounting for projected tax brackets.

💼

RSU / ISO / AMT Planning

Models RSU vesting tax, detects ISO-AMT traps before you exercise, and shows ESPP optimization scenarios.

📋

Form 1040 line-by-line

See your return assembled the way the IRS sees it — every line from Wages through Tax Owed, with explanations of where each number comes from.

🆕

OBBBA 2025+ provisions

Educational estimates that include the SALT cap increase ($40k), QBI 199A, tip income deduction, overtime deduction, auto-loan interest, and senior deduction. Verify with a qualified professional before acting.

🧮

Quarterly estimated tax

1040-ES calculator + safe-harbor (110% prior-year rule). Schedule your quarterly payments to avoid IRS underpayment penalties.

🩺

IRMAA forecasting

The Medicare premium surcharge that catches retirees off-guard. We forecast it based on your MAGI projections so you can manage it.

🏢

QBI + PTET

Pass-through entity tax (PTET) elections + Section 199A QBI deduction modeled side-by-side, so small-business owners can prepare better questions for their CPA. Educational estimates only.

🚧 In active development

This product is being built and refined. All tools are open to use during the beta.

  • ✓ Tax Optimizer (full)
  • ✓ State Pro-Forma (all 51 jurisdictions)
  • ✓ Roth Conversion Ladder
  • ✓ RSU / ISO / AMT planning
  • ✓ Multi-year tax projections
  • ✓ Plus: 529, Retirement, Estate, Forum, more
Open the App

Common questions

Full FAQ in the app at /index.html#faq

Can I file my taxes with this?
No. Learn Your Money is for tax PLANNING and modeling, not e-filing. You still file via TurboTax, H&R Block, IRS Free File, or a CPA. Our job is to help you walk into that filing with the right numbers AND to plan moves throughout the year (Roth conversions, state moves, ISO exercises) that the filing software won't help you plan.
How accurate are your tax constants?
Federal: we use the verified 2026 IRS brackets and OBBBA 2025+ provisions, with regression tests guarding the numbers. State: we use approximate state-tax estimates built on simplified brackets — not jurisdiction-verified 2026 tables. Always verify state figures with your state tax authority or a licensed CPA before you act on any calculation. Tax law has edge cases we can't account for.
What's the deal with my data?
Your financial inputs stay in your browser — they never leave your device. No financial inputs or form values are sent anywhere. Anonymous page-visit counts via Plausible — no cookies, no personal data. Read the full Privacy Policy.
What's OBBBA?
The One Big Beautiful Bill Act, signed July 4, 2025. It made the TCJA tax cuts permanent, raised the SALT cap to $40k, added a tip-income deduction, an overtime deduction, an auto-loan-interest deduction, a senior deduction, and several other provisions. We model all of these.
Do you support tax-loss harvesting?
Manually — you can model it via the scenario builder ("what if I harvest $3,000 of losses"). Automated wash-sale-aware harvesting requires brokerage integration, which we don't have. Tools like Wealthfront/Betterment do this for managed accounts.
Read all 20 FAQs →

Open the app

Runs entirely in your browser. No install, no login, no credit card. In beta — all tools are open to use.