Enter your income, filing status, and a few details. Get a ranked list of every tax-saving strategy available to you — with estimated dollar savings for each.
Takes 2 minutes20+ strategies analyzed2026 tax lawPersonalized action plan
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Retirement
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HSA
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Deductions
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Self-Employed
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Education
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Energy Credits
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Your Tax Profile
We need the basics to find your opportunities.
Total W-2 wages + self-employment income + investment income
Employment & Location
This helps us find strategies specific to your situation.
What Are You Already Doing?
Check the strategies you currently use so we can find what's missing.
Your estimated potential annual tax savings:
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🎯 Strategies You Should Consider
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Print or share your personalized tax strategy report.
How the Tax Strategy Optimizer Works — and Why It Matters
Most people overpay their taxes — not because they cheat too little, but because they miss legal strategies sitting right in front of them. The IRS tax code offers dozens of deductions, credits, and retirement account maneuvers that reduce your tax bill, but knowing which ones apply to your situation requires sorting through a maze of income thresholds, phase-outs, filing-status restrictions, and employment-type eligibility rules. That's what this tool does automatically.
The optimizer evaluates your profile against 20+ tax strategies and ranks each one by its estimated dollar savings. It factors in your marginal federal tax rate, whether you're self-employed, your age (for catch-up contribution eligibility), and what you're already doing. The result is a prioritized action list: the strategies at the top of your list are the ones with the biggest potential payoff, and each one includes step-by-step instructions for implementation.
This tool uses 2026 tax brackets, contribution limits, and credit amounts. All calculations run entirely in your browser — no data is sent anywhere, no account is needed, and nothing is stored. For a complete overview of tax planning concepts, see our Tax Planning Hub, and for step-by-step filing instructions, read our How to Do Your Taxes guide.
Pair with: Run the Financial Health Score to see your full financial picture, then use the Paycheck Optimizer to implement the retirement strategies this tool recommends.
⚠️ Important Disclosure
This tool provides educational estimates only and does not constitute tax, financial, or legal advice. Tax situations are highly individual. Savings estimates are directional — your actual savings depend on many factors not captured here. Always consult a qualified CPA or tax professional before implementing any tax strategy. DigitalWealthSource is not a tax preparation service.
You enter your income, filing status, state, age, and employment type. The tool analyzes your situation against 20+ tax-saving strategies and ranks them by how much each could save you. Everything runs in your browser — no data is stored or shared.
Is this tool a substitute for a CPA or tax advisor?
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No. This tool provides educational estimates to help you identify strategies worth exploring. Tax situations are complex and individual. Always consult a qualified tax professional before implementing any tax strategy.
What tax year does this optimizer use?
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The tool uses 2026 tax brackets, contribution limits, and phase-out ranges. These reflect the latest IRS guidelines and recent legislative changes.
Does this tool work for self-employed or business owners?
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Yes. The optimizer includes strategies specific to self-employed individuals and business owners, including QBI deductions, solo 401(k) contributions, S-corp salary optimization, and business expense deductions.
How accurate are the savings estimates?
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Savings estimates are directional — they show you roughly how much each strategy could save based on your marginal tax rate and the maximum available deduction or credit. Your actual savings depend on many factors. Use the estimates to prioritize which strategies to discuss with your tax professional.
Derek reviews all content on DigitalWealthSource. Background in business marketing with hands-on experience in debt payoff, homebuying, tax strategy, and long-term investing. Our methodology →