S-Corp Income Optimizer

Customized for Married Filing Jointly • 2026 Brackets

FICA Tax Saved vs Standard LLC

Annual Shift Allocation (12 hrs/shift)

Free Standings ($235/hr) 84 shifts

Oviedo ($260/hr) 0 shifts

Total Annual Hours 1008 hrs

Avg Shifts / Month 7.0

Blended Hourly Rate $235 / hr

Additional W-2 Income (Outside S-Corp)

Reasonable Compensation

W-2 Hourly Rate $120 / hr

SS tax (6.2%) caps at $184,500. Excess wages pay only Medicare (1.45% + 0.9% >$250k).

Deductions & Retirement

Age 50+

Employee 401(k) Contribution $0

Max: $24,500 (Pre-Tax W-2)

Employer 401(k) Contribution $0

Max: 25% of W-2 Salary

Total 401(k) Contribution $0

Business Expenses

Healthcare Costs

Liquid Take-Home Pay $0 Cash hitting your bank account

Total Wealth Built $0 Take-Home + $0 to 401(k)

Financial Breakdown

Gross Revenue $0

Less: Business Expenses -$0

Less: Healthcare Costs -$0

Less: Employer Social Security Tax (6.2%) -$0

Less: Employer Medicare Tax (1.45%) -$0

S-Corp Salary $0

K-1 Profit $0

Total Adjusted Gross Income $0

Federal Income Tax -$0

Employee Social Security Tax (6.2%) -$0

Employee Medicare Tax (1.45%) (Includes 0.9% surtax if >$250k) -$0

Child Tax Credit (Logan & Levi) +$0

Effective Overall Tax Rate 0.0%

💡 Pro-Tip:

Augusta Rule (Section 280A): Rent your home to your S-Corp for up to 14 days/year for meetings to shift taxable business profit into tax-free personal income.