Keep More shows you exactly what you're overpaying in taxes — and the strategic moves to fix it.*
Pro versions offer personalized advice for:
We built Keep More with privacy as the foundation, not an afterthought.
All calculations happen in your browser. Nothing is saved to our servers.
We never ask for your Social Security Number — ever.
Use the free calculator instantly — no account, no email, no tracking.
Your data is never sold or shared with advertisers, period.
Three steps from your income to your savings.
W-2, 1099, rental, investments — enter what applies to you. No SSN, no login required.
Automatically compares 2024 vs 2025 rules, your effective rate, take-home pay, and every deduction you qualify for — instantly calculated.
Pro users get personalized advice on exactly how to reduce what you owe — legally, before the year ends.
Every tier designed around the real tax complexity of that audience.
Bracket optimization, 401(k) strategy, year-end checklist, and the deductions your employer never mentions.
Mileage, home office, SE tax, S-Corp analysis, and platform-specific deduction guides for rideshare, delivery, freelance, and more.
SS timing, RMD cascade planning, Roth conversion window, Medicare selection, spousal strategy, and prescription drug plan optimizer.
Student loans vs investing, salary negotiation lifetime impact, Roth vs Traditional, and compound growth charts.
No login. No SSN. Everything stays in your browser.
| Item | 2025 | 2024 |
|---|---|---|
| Gross Income | — | — |
| Standard Deduction | — | — |
| Taxable Income | — | — |
| Federal Tax | — | — |
| Total Tax | — | — |
Unlock Roth vs Traditional IRA comparison, bracket optimizer, year-end checklist, and capital gains optimizer with loss harvesting.
Enter your current and projected future tax rate. We calculate exactly which account type saves you more over your lifetime — with real dollar projections.
See exactly how much you can defer into retirement accounts to drop into a lower bracket. "Put $4,200 more in your 401(k) and save $924 in taxes."
Before December 31, see every move still available to reduce your tax bill — 401(k) top-up, HSA funding, charitable bunching, and more.
Model tax-loss harvesting scenarios. See which assets to sell before year-end to offset gains and minimize your total tax.
Mileage optimizer, S-Corp election analyzer, quarterly tax calculator, conflict detector, and platform-specific deduction guides.
Vehicle Deduction Guide
Do you own, rent, or lease your vehicle?
Great — as an owner you can choose either method:
Tip: Run both calculations and pick whichever gives you a larger deduction. You can switch methods each year on an owned vehicle.
Important: When did you start your lease?
Other Business Deductions
Add any deductions not covered above. Common examples: platform fees, uniforms, tools, business cards, software subscriptions, professional dues, postage, bank fees.
Quarterly Estimated Tax Calculator
SS timing to the month, Roth conversion window, RMD cascade planner, Medicare selector, and prescription drug plan optimizer.
Social Security Timing Calculator
Find your benefit at ssa.gov/myaccount — log in, go to "Your Social Security Statement," and use your estimated benefit at age 62.
Note: After your Full Retirement Age (FRA), earnings no longer reduce your SS benefit regardless of how much you earn. Income after FRA may affect how much of your SS is taxable, but will not reduce the benefit itself.
Combined Retirement Tax Picture
See your full tax burden — SS, pension, IRA withdrawals, and investment income together, including IRMAA alerts.
Medicare Plan Selector
Answer a few questions to get a personalized Medicare recommendation.
What is your enrollment situation?
How would you describe your current health?
How many prescription medications do you take regularly?
How important is keeping your current doctors?
Do you travel frequently or spend time in multiple states?
What is your income level? (Affects Medicare Part B premium via IRMAA)
What matters most to your budget?
Medicare Part D — Prescription Drug Coverage
Understanding your drug coverage options under the new 2025 rules.
2025 Part D Key Facts
• $2,000 hard cap on out-of-pocket drug costs in 2025 — after you reach $2,000, all covered drugs are free for the rest of the year, no matter what plan you're on.
• This is a dramatic improvement from prior years when catastrophic drug costs could exceed $8,000+ annually.
• Part D drug coverage can come through a standalone PDP plan (with Original Medicare) or bundled inside a Medicare Advantage plan.
• Low Income Subsidy (Extra Help): If your income is below ~$22,590 single / ~$30,660 joint, you may qualify for Extra Help — a federal program that nearly eliminates drug costs. Apply at ssa.gov/extrahelp.
Here is a counterintuitive insight most Medicare enrollees never hear: because of the new $2,000 hard cap*, a lower-premium plan with less coverage may actually cost you less total than a more expensive "gold" plan.
The reason: once you hit $2,000 in out-of-pocket drug costs, everything is free for the rest of the year — regardless of which plan you are on. A premium plan and a bare-bones plan deliver the same $0 cost after the cap. The only difference is what you paid in premiums getting there.
| Plan | Monthly Premium | Annual Premium | Out-of-Pocket Cap | Max Annual Cost |
|---|---|---|---|---|
| Low-premium plan | $12/mo | $144 | $2,000 | $2,144 |
| Gold coverage plan | $80/mo | $960 | $2,000 | $2,960 |
Same drug protection after the cap. The lower-premium plan saves $816 per year in this example.
The important catch: Lower-coverage plans may have higher cost-sharing (copays and coinsurance) before you reach the $2,000 cap. If you take very expensive specialty drugs, you may hit the cap quickly regardless of plan — making the low-premium plan clearly better. If your drugs are mostly cheap generics, you may never reach the cap, and a plan with better generic coverage could save more.
Pro feature: Enter your specific medications and current plan — Keep More calculates whether switching saves you money and which plan is optimal for your drug list. Pro
RMD Cascade Planner
Required Minimum Distributions begin at age 73. See how your RMDs will grow year by year and how Roth conversions now can reduce the spike.
Compound growth charts, student loan comparison, salary negotiation lifetime impact, Roth vs Traditional, and rent vs buy calculator.
Compound Growth & Retirement Projector
Student Loan Repayment Comparison
Salary Negotiation — Lifetime Impact
Traditional IRA: You contribute pre-tax money, it grows tax-deferred, and you pay taxes when you withdraw in retirement. Best if you expect to be in a lower tax bracket in retirement than you are now.
Roth IRA: You contribute after-tax money, it grows tax-free, and withdrawals in retirement are 100% tax-free. Best if you expect to be in the same or higher bracket in retirement — which is most people in their 20s and 30s.
An employer match is the closest thing to free money in personal finance. If your employer matches 3% of your salary and you contribute at least 3%, they add another 3% on top — that is a 100% instant return on that portion of your contribution.
After tax savings, a $200/month contribution often costs you less than $120 out of pocket because the pre-tax deduction reduces your taxable income.
This is the most-asked question for new grads and the answer is mathematical. Compare your loan interest rate to your expected investment return.
If your loan rate is below 6%: invest first (especially with an employer match), then pay loans at the minimum. If your loan rate is above 7%: pay loans aggressively — the guaranteed "return" of eliminating 7%+ interest beats uncertain market returns. Between 6-7%: do both in parallel.
A Health Savings Account (HSA) is the only account in the US tax code that offers three tax benefits at once: contributions are pre-tax, growth is tax-free, and withdrawals for medical expenses are tax-free. After age 65, you can withdraw for anything (like a Traditional IRA).
2025 HSA limits: $4,300 for individuals, $8,550 for families. You must be enrolled in a High Deductible Health Plan (HDHP) to contribute.
When two people each earn similar incomes and get married, their combined income can push them into a higher bracket than they would face filing separately. Two people each earning $75,000 (total $150,000) may face $1,500–$3,000 more in taxes as a married couple than as two single filers.
The marriage bonus exists when incomes are very unequal — the lower earner benefits from the married brackets.
Compound interest means you earn returns not just on what you invested, but on previous returns. Over decades this creates exponential growth.
Example: $300/month from age 25 to 65 at 7% = $798,000. Starting at 30 instead = $567,000. The 5-year delay costs $231,000 in retirement wealth — from just $18,000 less in total contributions.
You can claim Social Security as early as 62 (reduced benefit) or as late as 70 (maximum benefit). Waiting earns roughly 6-8% more per year. The question is whether you will live long enough to break even.
Claiming at 62 vs 70: the monthly benefit difference can be 75% larger at 70. But you collected nothing for 8 years. The breakeven age is typically around 80-82 — meaning if you live past that, waiting wins financially.
Starting at age 73, the IRS requires you to withdraw a minimum amount from your Traditional IRA and 401(k) each year, whether you need the money or not. The amount is based on your account balance and IRS life expectancy tables.
The problem: if your IRA has grown large, RMDs can push you into a higher bracket, increase how much of your Social Security is taxable, and trigger Medicare IRMAA surcharges — all at once. This is called the RMD cascade.
After you retire and before RMDs begin at 73, you may have years of relatively low taxable income. This is your window to convert Traditional IRA money to Roth at a lower tax rate than you will face when RMDs force larger withdrawals.
The key is converting just enough each year to fill your current bracket without pushing into the next one — and without triggering IRMAA Medicare surcharges, which are based on income from two years prior.
Medicare Part B and Part D charge higher premiums to higher earners. These surcharges are called IRMAA (Income-Related Monthly Adjustment Amount). The kicker: they are based on your income from two years ago.
In 2025, the standard Part B premium is $185/month. For individuals earning over $106,000, it jumps to $259/month — and continues up to $628/month for the highest earners. A large Roth conversion today could raise your Medicare premium in two years.
W-2 employees split the 15.3% payroll tax with their employer — each pays 7.65%. Self-employed workers pay the entire 15.3% themselves. On $60,000 of net self-employment income, that is $9,180 in SE tax on top of income tax.
The good news: you can deduct half of SE tax from your income, reducing your taxable income. And structuring as an S-Corp can eliminate SE tax on a portion of your income — a strategy that can save $4,000-8,000/year for higher earners.
If you expect to owe $1,000 or more in taxes, the IRS requires quarterly payments. Missing them triggers an automatic underpayment penalty — currently around 7% annualized.
2025 due dates: April 15 (Q1), June 16 (Q2), September 15 (Q3), January 15 2026 (Q4).
Safe harbor rule: Pay either 100% of last year's tax liability (110% if income was over $150,000) or 90% of this year's expected tax — whichever is smaller — and you avoid penalties even if you owe more at filing.
Standard mileage: multiply your business miles by 67 cents (2025 rate). Simple, no receipts needed beyond a mileage log. Most drivers find this method produces the larger deduction.
Actual expenses: add up gas, insurance, repairs, depreciation, registration, and multiply by your business use percentage. More record-keeping but can win if you drive a fuel-efficient car or have high insurance costs.
Critical rule: Standard mileage is only available if you own your vehicle, or if you lease and used standard mileage from the very first day of the lease. You cannot use standard mileage on a rented vehicle.
By default, sole proprietors and single-member LLCs pay self-employment tax on all net income. An S-Corp election allows you to split your income into a "reasonable salary" (subject to payroll taxes) and a "distribution" (not subject to SE tax).
Example: $80,000 net income. Pay yourself a $50,000 salary (SE tax applies), take $30,000 as a distribution (no SE tax). You save SE tax on $30,000 — about $4,590/year minus accounting costs of ~$1,500-2,000/year. Net savings: $2,500-3,000/year.
Contrary to popular belief, moving into a higher tax bracket does NOT mean all your income gets taxed at that higher rate. Only the income above the bracket threshold is taxed at the higher rate.
Example (2025, single filer): The first $11,925 is taxed at 10%. Income from $11,926 to $48,475 is taxed at 12%. Income from $48,476 to $103,350 is taxed at 22%. Each bracket only applies to the income within that range.
This means a $1,000 raise that pushes you from $103,000 to $104,000 only costs you the marginal rate (24%) on that $1,000 — not on all $104,000.
The standard deduction is a flat amount that reduces your taxable income automatically: $15,000 for single filers and $30,000 for married filing jointly in 2025. You take this without any documentation.
Itemized deductions let you deduct actual expenses: mortgage interest, state and local taxes (up to $10,000), charitable donations, and medical expenses above 7.5% of income. You should only itemize if your total deductions exceed the standard deduction.
When you sell an investment for a profit, you pay capital gains tax. The rate depends on how long you held the asset.
Short-term gains (held under 1 year): taxed as ordinary income — same rate as your wages. Can be as high as 37%.
Long-term gains (held 1+ year): taxed at preferential rates of 0%, 15%, or 20% based on income. Most middle-income taxpayers pay 15%.
This means holding an investment for one extra day — crossing the 1-year mark — can change your tax rate from 22% to 15% on the same gain.
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