Combined strategy calculator
Stack five strategies. See your combined impact.
Slide the inputs below to model how cost segregation, R&D credits, a qualified retirement plan, the QBI deduction, and putting idle cash to work can improve your after-tax result.
Estimate only — not a personalized quote.
These calculators show rough, illustrative numbers. For an accurate analysis based on your actual return, submit a free intake.
Your income & tax rates
Cost segregation
Learn more →Year 1 accelerated deduction
$600,000
Est. tax saved
$252,000
Assumes ~25% of depreciable basis reclassified to 5/7/15-year property and 100% bonus depreciation. Under current law (OBBBA), 100% bonus depreciation is available for qualifying property acquired after January 19, 2025; earlier acquisitions use the phase-down rates (60% in 2024, 40% in 2025). Depreciation is a timing benefit and may be subject to recapture on sale.
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R&D tax credit
Learn more →Federal credit (dollar-for-dollar)
$52,500
Est. tax saved
$52,500
ASC: prior 3-year average QREs $450,000 -> base $225,000 (50%). 14% x ($600,000 - $225,000) = $52,500.
Claimed on Form 6765. The ASC calculation assumes a sufficient QRE history — first-year claimants or those with no QREs in the prior three years use a 6% rate on current-year QREs instead of 14%. The credit is generally non-refundable and subject to general business credit ordering and limitation rules; qualified small businesses (generally under $5M average gross receipts and 5 years old or less) may apply up to $500,000 against payroll taxes on Form 8974. Unused credit generally carries back 1 year and forward 20. State treatment varies.
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8881 / SECURE 2.0 plan credits
Learn more →Deductible contribution
$150,000
Est. tax saved
$63,000
Estimate only — submit an intake for an accurate, personalized estimate.
QBI deduction (Section 199A)
Learn more →QBI deduction (after phase-out)
$52,056
Est. tax saved
$19,261
QBI is limited at this income.
For 2025 the §199A limitations phase in between $394,600 and $494,600 of pre-QBI taxable income (married filing jointly). Above the top of that range an SSTB gets no deduction, and a non-SSTB is capped by the greater of 50% of W-2 wages or 25% of wages plus 2.5% of unadjusted basis in qualified property. Thresholds are inflation-adjusted annually and were widened by later legislation beginning in 2026.
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Cash management (idle cash yield)
Learn more →Additional interest (3.30% spread)
$33,000
After tax
$19,140
Program yield is an estimate only. Actual yields depend on market conditions, program terms, and your cash balance. This is additional taxable income, not a tax deduction, so it is shown separately from the tax savings above. Rates are variable and not guaranteed. Submit an intake for a current, accurate quote.
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Combined estimated impact
Total net profit increase (year 1)
$405,901
$386,761 tax saved + $19,140 after-tax cash flow from cash management — illustrative
Strategy savings shown below are approximate marginal impacts and will not simply add up on a real return: each deduction lowers taxable income, which shifts QBI eligibility, marginal rates, and credit ordering.
- Baseline tax
- $504,000
- Optimized tax
- $117,239
- Total tax saved
- $386,761
Savings by strategy
Cash management
Estimate only — not tax advice. Real returns are not additive: deductions change taxable income, which affects QBI eligibility, marginal rates, credit ordering, and phase-outs. Baseline tax is a flat marginal-rate approximation that ignores standard/itemized deductions, other credits, self-employment tax, passive-activity, at-risk and basis limitations. State savings depend on conformity — several states do not follow federal cost segregation, R&D or QBI treatment. Always have a licensed CPA model your actual facts before acting.
Tax optimizer
Map your ideal five-year tax strategy.
The tax optimizer pulls in your latest return, idle-cash yield, and the strategies you already have in motion — then layers credits, plan funding, QBI and bonus depreciation across five growing years of profit.
Documents are processed for data extraction only — never sold or shared outside your engagement.
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Create a free account to upload your Form 1120, 1120-S, or 1065. We extract the key lines (including Form 4562 depreciation) and return a specialty recommendation list in seconds.
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