U.S. Tax Strategy Toolkit
Navigate Your Taxes with Confidence
This interactive toolkit, based on key U.S. tax compliance principles, helps you model different financial scenarios and uncover potential tax-saving strategies.
Gifting & Charitable Giving Strategist
Plan your gifts to individuals and charities to maximize tax benefits.
🎁 Annual Gift Tax Exclusion Planner
Calculate the maximum you can give tax-free using the annual exclusion ($17,000 for 2023).
Max. Tax-Free Gift Amount
$51,000
Note: This does not include the unlimited exclusion for direct payments of tuition or medical expenses.
❤️ Charitable Donation Optimizer
Find the most tax-efficient way to donate property.
Investment & Business Loss Navigator
A business loss isn't automatically deductible. It must clear four sequential hurdles. Here's how to navigate them.
The Four Hurdles Journey
Tax Basis
Losses can't exceed your investment in the entity. Partnership basis includes entity debt; S-Corp basis does not.
At-Risk
Deductions are limited to the amount you're personally at risk of losing. An exception exists for "qualified nonrecourse financing" in real estate.
Passive Activity Loss (PAL)
Passive losses can only offset passive income, unless you qualify for an exception. This is often the most complex hurdle.
Excess Business Loss (EBL)
A final cap limits total net business losses per year (e.g., $289k Single / $578k Joint for 2023).
PAL Exception 1: $25,000 Allowance
For "active" landlords with moderate income. Your deduction phases out between $100k-$150k MAGI.
PAL Exception 2: Real Estate Professional (REP)
The key for high-earners to deduct unlimited rental losses. Do you qualify?
Comp & Savings Maximizer
Model equity awards and optimize your deductions.
📈 Equity Compensation Comparator
NSO
Ord. Income
$15,000
Cap. Gain
$15,000
ISO
Ord. Income
$0
Cap. Gain
$30,000
RSU
Ord. Income
$25,000
Cap. Gain
$15,000
🏥 FSA vs. HSA Showdown
FSA
Employer-owned. "Use-it-or-lose-it". No investment.
HSA
Individually-owned. Rolls over forever. Can be invested.
Deduction Bunching Calculator
See the power of "bunching" charitable gifts to beat the standard deduction.
Global & Other Simulators
Model foreign income and imputed loan interest scenarios.
🌍 Foreign Earned Income Exclusion (FEIE)
Maximum 2023 Exclusion
$120,000
💸 Imputed Interest on Below-Market Loans
Foregone Interest (to report)
$1,000
Tax Payment Forecaster
Check if you meet "safe harbor" rules to avoid an underpayment penalty.