US tax tools — federal, state & planning
Run your federal, state and self-employment tax, size your quarterly estimates, and model the moves that actually cut your bill.
- Fed + State
- Combined, with your effective rate
- Safe-harbor
- Quarterly estimates, no surprises
- S-Corp · HSA
- Decisions modelled net of every cost
US tax is federal plus state plus FICA, with quarterly estimates if you’re self-employed and a maze of moves — S-Corp, HSA, backdoor Roth — that can save real money or backfire if you get them wrong.
AI TaxPilot estimates your full federal, state and self-employment tax, sizes your quarterly payments to safe-harbor, and models the big decisions — the S-Corp election, the HSA, retirement contributions — so you can see the net benefit before you act.
- Federal + state + FICA, to the dollar
- Quarterly estimates sized to safe-harbor
- The big moves modelled before you make them
See it in action
A 45 seconds walkthrough of the real journey, end to end.
Bring in your income
Securely link your bank and payroll to import your W-2 and 1099s, or type them in. Last year’s return imports too, so nothing is re-keyed.
What you get
AGI, standard deduction, QBI and the brackets — worked the way the 1040 does.
Your state liability and combined marginal rate, including the no-tax states.
Four payments sized to safe-harbor (100%/110% of last year) so April never bites.
FICA saving netted against reasonable comp, the QBI hit and state fees — the real number.
401(k), IRA, the HSA triple advantage and the backdoor Roth, modelled against your bracket.
A complete 1040 + Schedule C/SE summary to e-file yourself or hand to your preparer.
Calculators included
Free with your account, alongside the AI assistant and filing.
Learn the rules
Plain-English, sourced guides behind this solution.
US federal income tax: a 2025–2026 guide
Brackets and the standard deduction, marginal vs effective rates, FICA, retirement accounts, capital gains and the OBBBA changes.
US state income tax: who taxes what
The nine no-tax states, flat vs graduated rates, who actually gets to tax you, the remote-work convenience rule, and the SALT cap after the One Big Beautiful Bill.
US retirement accounts: the complete guide
401(k), IRA, HSA and the rest — limits, phase-outs, the SECURE 2.0 super catch-up and OBBBA changes for 2026.
US capital gains: long-term, short-term, NIIT & harvesting
The 0/15/20% rates, the unindexed 3.8% NIIT, qualified dividends, the wash-sale rule and tax-loss harvesting.
Frequently asked questions
Does AI TaxPilot file my US federal return?
It prepares a complete, filing-ready 1040 summary — federal, state, self-employment and estimated payments — that you can e-file yourself or hand to your preparer. It doesn’t replace the IRS e-file step.
Can it size my quarterly estimated taxes?
Yes — it projects your year, applies the safe-harbor (100%, or 110% over $150k AGI, of last year’s tax) and splits it into four payments with reminders.
Will it tell me if the S-Corp election is worth it?
Yes — it nets the FICA saving against a reasonable salary, the lower QBI deduction and state costs to show your real annual benefit, and the break-even profit level.
Does it cover state tax?
It estimates state income tax (including the nine no-tax states) and shows your combined federal + state + FICA marginal rate.
Know what you owe — to the dollar
Run your federal, state and self-employment tax, size your estimates and model the moves that cut your bill.
Start freeNo card required.
This guide is general information, not personal tax advice, and reflects the rules we believe to apply as at June 2026 — rates and thresholds change. Always check your own figures against the IRS and consider a qualified adviser before acting. You remain responsible for the accuracy of anything you file.