Estimate how pre-tax contributions change taxable income, federal tax, effective tax rate, and your current marginal bracket using a simple planning view.
This tool estimates federal income tax only and applies the standard deduction for single, married filing jointly, and head of household filers.
Enter your numbers to see how much federal tax your contributions could save.
| Metric | Before contributions | After contributions |
|---|
$0
Your 401k contribution saves you this much in estimated federal income tax.
$0
This shows the estimated federal savings from your IRA contribution in the model.
$0
HSA contributions can create strong tax leverage when you are eligible to contribute.
$0
This captures the remaining tax savings from other salary reduction or pre-tax deductions.
0%
See how your effective rate changes after the full contribution package is applied.
$0
The calculator automatically applies the standard deduction tied to your filing status.
Pair this calculator with the Tax Strategy Masterplan to turn contribution math into a full-year playbook for bracket management, tax-loss harvesting, charitable planning, and quarterly reviews.
See the Tax Strategy MasterplanFree calculator → full planning system when you want to reduce taxes more intentionally.