MAKE SMARTER MONEY DECISIONS

Free resources from Acharya CPA & Co because we care about empowering clients with clarity. These calculators are just a glimpse of what’s possible when you work with us.

Retirement Growth & Tax Impact

Compare Traditional, Roth, and Taxable accounts; see after-tax retirement values and annual tax savings.

Acharya CPA & Co — Retirement Growth & Tax Impact

Real-time compounding, contributions, and tax-treatment comparison (Traditional vs Roth vs Taxable). Yearly limits & phase-outs are editable by you/visitors.

© Acharya CPA & Co — Proprietary calculator

Projected future value (pre withdrawal tax)
$0
Estimated after-tax value at retirement
$0
Total contributions (nominal)
$0
This year’s tax savings (Traditional)
$0
End-of-period contributions Taxable uses return − tax drag Book a tax planning consult
© Acharya CPA & Co — Proprietary calculator

Estimated Quarterly Tax Planner

Estimate federal income + SE tax, apply safe-harbor, and split suggested quarterly payments.

Estimated Quarterly Tax Planner (Sole Proprietors & 1099)

Estimate federal income tax and self-employment (SE) tax, then split the balance into quarterly payments using safe-harbor rules. The standard deduction updates automatically for Single vs. MFJ (you can override it).

© Acharya CPA & Co — Proprietary calculator

Editable assumptions

Federal only. Includes the deduction for ½ SE tax. Excludes additional Medicare surtax thresholds and state taxes.

Projected total federal tax
$0
Safe-harbor target (100% / 110%)
$0
Projected amount still due
$0
Suggested quarterly payment
$0
© Acharya CPA & Co — Proprietary calculator

Entity Structure Optimizer

Compare estimated total taxes and take-home across Sole Prop/LLC, S-Corp, and C-Corp. Assumptions are editable. Simplified for planning—see notes & disclaimer.

Recommended
Calculating…
Lowest total tax (tax-only). Final choice should consider legal, admin/paperwork, payroll cost, and state rules.

Inputs

Results (estimates)

Scenario Total tax Effective rate Take-home vs Sole Prop
Includes federal income tax + SE/Payroll + (est.) state. S-Corp/C-Corp include employer & employee FICA on owner wages.
© Acharya CPA & Co — Proprietary calculator
Editable assumptions & notes
Model applies: (1) QBI ≈ 20% of qualified pass-through income, limited by 20% of taxable income before QBI; (2) S-Corp/C-Corp payroll includes employer + employee FICA; (3) C-Corp wages taxed at individual brackets, corporate income at corporate rate, and any dividends at your dividend rate; (4) State tax applied to individual income (and dividends) at your input rate. Real-world limits (phase-ins, NIIT/0.9% Medicare surtax, Sec.199A wage/UBIA tests, SALT caps, state corporate taxes, etc.) are not modeled.
Review My Results with a CPA
Note: This optimizer is a simplified estimator for comparing entity types. It does not determine “reasonable compensation,” QBI eligibility, or your exact tax. Use for initial planning only.

Important Disclaimer

These calculators are provided by Acharya CPA & Co as educational tools only. They use simplified tax rules and assumptions. They are not tax, legal, or investment advice and should not be relied upon to make final decisions.

Outcomes vary based on your state, payroll setup, deductions, credits, and unique circumstances. Before forming an entity, changing payroll, or making investment moves, please schedule a professional consultation. Use of these tools does not create a CPA-client relationship.