Pick a strategy and tell us about you. We show what it saves, what it costs, and what's left in your pocket. If the numbers say no, we say no.
How we figure it. 2026 federal law: IRS Rev. Proc. 2025-32 inflation figures, Notice 2025-67 retirement limits, and the One Big Beautiful Bill Act (Pub. L. 119-21). Your bracket comes from your taxable income. Your gains rate is 0%, 15% or 20% from your taxable income, plus the 3.8% net investment income tax (§1411) when your income is over $250,000 married or $200,000 single; those thresholds are not indexed. Payroll tax is 7.65% per side (6.2% Social Security plus 1.45% Medicare). Social Security stops at the $184,500 wage base, so above it only Medicare is saved. Medicare has no cap. The 0.9% Additional Medicare Tax (§3101(b)(2), §1401(b)(2)) applies to wages and self-employment income above $250,000 married or $200,000 single. Self-employment tax applies to 92.35% of net earnings. Business deductions are reduced by the 20% QBI deduction they shrink when your income is under the QBI threshold ($403,500 married, $201,750 single). Deferral is not savings: tax that comes back later is valued at what the delay is worth (5% a year). Future balances are shown in today's dollars (3% inflation). Costs are typical fees; replace them with your quotes. Texas has no state income or estate tax; other states change the result. Simplified estimates, not a tax return. General education only, not tax, legal or investment advice for your situation; investment decisions belong with your registered investment adviser. Talk with a licensed tax professional before acting. ebotCPA PLLC, 4425 W Airport Fwy, Ste 595, Irving, TX · 817-214-4014.