Your 2026 tax bill isn’t final yet.
Every tax tool you have used opens in January and tells you what last year cost. Deductsy works on the year you are standing in: the moves you still have left, what each one saves, and the day it stops working.
Built for people earning under $500,000 a year. Above that it still gives a solid estimate — there are just more moving parts than we model.
until the December 31 wall, when most moves stop working
What your plan looks like
One worked example, start to finish: the numbers that go in, the bill that comes out, and the moves ranked by what each one saves.
What we never ask for
- Your Social Security number
- A bank or payroll login
- Your full tax return
- A credit card to start
An illustrative profile, calculated by the same engine your own plan uses — not a hand-written example. Your plan is built from your numbers. Individual results vary. A planning estimate, not tax advice — confirm with a CPA before you file.
Three minutes, then it’s yours all year
No document uploads. No bank connection. No SSN. Create your free account, answer a few questions, and your plan is saved and tracked to every deadline.
Create your free account
Email and a password — that is the whole signup. No card, and the free plan stays free.
~30 secondsTell us how you earn
W-2, freelance, rental, business — you only ever see the fields that apply to you.
~2 minutesGet your plan, tracked all year
Your number, every move that applies, and the date each one closes — with a reminder before it does.
InstantFree is a real plan, not a trial
One question decides your tier: what kind of income do you have? Annual billing is 27% cheaper, and both paid plans start with a 14-day trial.
Free
Your whole picture and every move that applies to it, for a straightforward paycheck.
Instead of: finding out in April what the year already cost you
Create your free accountNo card, ever
What you get
- Your full 2026 tax summary on screen — what you owe, where it comes from, what you keep
- Every W-2 move ranked by what it saves, each with the date it closes
- What to do — a dated to-do list you can push to Google, Apple or Outlook
- Paperwork for your W-2 — what to be able to show if you are ever asked
- 1 saved what-if version, kept year-round
- All 12 calculators — S-corp, PTET, Roth, safe harbor and more
- Standard email support
Plus
For a return that’s more than a paycheck — up to 3 rentals, the CPA packet, and your documents typed in for you.
Instead of: learning in April that December’s deadline has already passed
Start 14-day trialNo charge today · cancel anytime
Everything in Free, plus
- Up to 3 rental properties — depreciation, passive losses, cost segregation, REPS, short-term rentals
- Paperwork for every property — the hours log, depreciation schedule, mileage log and signed studies an examiner asks for, listed property by property
- The CPA packet as a PDF — every figure tagged to its IRS form and line
- Upload your W-2, we type it in — drop the PDF and the numbers land in the right boxes
- 3 what-if versions, compared side by side before you commit
- Priority email — your question moves to the front of the queue
Pro
For business owners. Sole prop, LLC, S-corp or K-1 — up to 10 entities on one return.
Instead of: one planning call a year, and guessing between them
Start 14-day trialNo charge today · cancel anytime
Everything in Plus, plus
- Business income of every kind — sole prop, LLC, S-corp, K-1 — up to 10 entities
- Business moves — S-corp election, reasonable salary, QBI, PTET, the 14-day home rental, hiring your kids
- The fixes that cost money if left — excess contributions, state franchise charges, a deduction counted twice
- Connect QuickBooks, Xero & Plaid — stop re-keying every quarter
- Quarterly safe-harbor targets, with the email that lands before each deadline
- Unbranded packet, plus CSV and JSON export of every underlying number
- Up to 10 rentals and 10 versions, compared side by side
- Priority email — your question moves to the front of the queue
Filing tells you the score. Planning changes it.
A filing tool reports the year that ended. Deductsy works on the one you are standing in — every legal move still open to you, what each is worth in dollars, and the day it closes. Same tax code, different moment; the moment is what decides whether you can act on any of it.
- Opens in January, for the year that just ended
- Reports what already happened
- Gives you one number: what you owe
- No deadlines to hit — the year is closed
- Nothing you learn can lower the bill
- Open now, for 2026 — the year you are still in
- Shows what you can still change
- Gives you a list: each move, and what it saves
- Every move carries the day it closes
- What you learn today can still lower it
Every number opens up
No black box. The top move in the example above is not a guess — it is this arithmetic, and you can open the same working behind any figure in your own plan.
Each move has a date it dies
A 401(k) contribution has to clear payroll by December 31. An HSA can be funded until April. Knowing which is which is the difference between a move and a regret, so every one carries its date — and you can push the lot to your calendar.
Your plan keeps up with your year
This is what the account is for, and it is why signing up is the product rather than a gate in front of it. Your plan is saved, so a raise in July or a new rental in September re-runs everything — and the reminder for a December deadline arrives while you can still act on it.
120 days left in 2026. 5 of the 7 moves in the example above stop working at the end of them. Yours will be a different list, with your numbers and your dates — about three minutes to build, and free.
Create your free accountFree forever · no cardThe things people ask first
The ones that come up before anyone signs up — what it costs, how close the number is, and whether it knows anything about your particular situation.
Do I need an account to see my number?
Yes — a free one. It takes about 30 seconds and never asks for a card. The account is what lets us save your plan, track it against every deadline in the year, and let you come back and change a number without starting over. If you only want a single calculation and no account at all, all 12 calculators are open to everyone.
Do I have to upload anything, or connect my bank?
No. You type a handful of numbers — what you earn, how you earn it, your filing status and your state — and that is the whole input. No document upload, no payroll or bank connection, no Social Security number, no tax return. Paid plans can autofill from an uploaded W-2 or a connected accounting platform if you would rather not type, but nothing requires it.
What exactly is a “move”?
Something legal you can still do, before a deadline, that lowers what you owe. Raising your 401(k) deferral. Funding an HSA. Pulling a deductible purchase into this year instead of next. Electing S-corp treatment on a business. Nothing exotic — it is the ordinary tax code, applied while there is still time to act on it. Each one arrives with the dollars it saves on your numbers and the date it stops being available.
Does it work in my state?
All 50 of them, plus the District of Columbia — including the states with no income tax, where the answer is the federal picture and the moves that go with it. Where a state has a rule worth acting on, it gets a move of its own: a 529 deduction where the state gives one, a PTET election where one exists.
How accurate is the number?
It is a planning estimate, and it is built by the same engine that produced the worked example higher up this page — 2026 federal brackets, your state's rates, the Social Security wage base, the QBI limits, and the phase-outs that actually bite. What it is not is your return: we deliberately do not ask for the details that move the answer only slightly. Use it to decide with, not to file with. Every figure opens up to show its working, so you can always see where it came from.
I already have an accountant. Why would I need this?
Because you are each working on a different part of the year. Filing happens after December 31, once the moves have closed — the best preparer alive can only report what you already did. This is the part before that: what to do while the year is still open, so there is something better to report. It is built to hand over, too. Plus and Pro export a CPA-ready packet you can send on yourself.
What if I earn more than $500,000?
It still runs, and the estimate is still worth having — there are just more moving parts above that line than we model. Phase-outs stack, AMT starts to matter, and the state picture grows complications of its own. The app names them where they occur rather than quietly leaving them out, so you can see which of its own answers it is least sure about.
What if my income changes halfway through the year?
Change the number and everything re-runs: the bill, every move, and what each one is now worth. A raise in July, a rental bought in September, a bonus nobody saw coming. That is the difference between a plan and a screenshot — yours stays a live document instead of something you worked out once in March and never opened again.
How do I actually remember to do any of it?
Every move carries its own date, and you can push the whole list to your calendar as real events — on every plan, free included. Pro adds emailed reminders for the quarterly estimated-tax dates. The failure this is built against is learning about a move in November and remembering it in February.
What happens on January 1?
The year rolls over and your plan rolls with it. Your profile carries forward, the figures move to the new year's brackets and limits as the IRS publishes them, and the moves reset with a fresh set of deadlines. Anything we have had to project ahead of publication is labelled an estimate until the real figure lands — a guess never gets to look like something the IRS said.
Is the free plan actually free?
Free forever, no card. If your income is a straightforward paycheck, Free is the whole product: your 2026 summary on screen, every W-2 move ranked by what it saves with the date it closes, a dated to-do list you can push to your calendar, and one saved what-if you keep updating all year.
Which plan do I need?
Follow your income. Just a paycheck → Free. Own a rental → Plus, $79 a year. Own a business — 1099, LLC, S-corp or K-1 → Pro, $199 a year. Both paid plans start with a 14-day trial and no charge today.
Why a year instead of a month?
A tax year is the unit the product works in — the moves open in January and close on December 31, and the reminder that matters most lands in December. Annual is 27% cheaper than paying monthly, and monthly is there if you would rather try a quarter first.
Is this tax advice?
No. It is a planning estimate built on 2026 federal brackets and top state marginal rates, and it is deliberately simplified — your return has details we do not ask for. Individual results vary. A planning estimate, not tax advice — confirm with a CPA before you file.
Do you sell my data?
No. We never sell or share your tax inputs, and we never ask for the things that would make them identifying — no SSN, no bank login, no full return. The export works the same way: your preparer packet is built inside your browser and saved to your own disk, so there is no stored copy of your return and no shareable link to one sitting on a server.
Your numbers stay yours
Start your 2026 tax plan — free
Your number, every move that applies to you, and the date each one closes — saved to your account and tracked all year.