Decisions

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Verified US tax and money decision tools: verdict plus a pre-filled deep link to the full page.

Finance & Payments

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best_filing_status Read-only

Married Filing Jointly vs Separately — Compares Married Filing Jointly vs Separately for a couple and says which keeps more, including lost credits. Returns a one-line verdict plus a link to the full interactive page with the numbers pre-filled. Accepts only numbers and enums.

spouseAobject, required

spouseBobject, required

yearinteger

Tax year, e.g. 2026. Omit to use the current tax year.

otherDependentsinteger

A non-negative number (US dollars unless the field name says otherwise).

investmentIncomenumber

A non-negative number (US dollars unless the field name says otherwise).

qualifyingChildreninteger

A non-negative number (US dollars unless the field name says otherwise).

hasChildcareExpensesboolean

true or false.

Tools (5)

best_filing_status

read-only

Argument	Type	Description
year	integer	Tax year, e.g. 2026. Omit to use the current tax year.
spouseA*	object
spouseB*	object
otherDependents	integer	A non-negative number (US dollars unless the field name says otherwise).
investmentIncome	number	A non-negative number (US dollars unless the field name says otherwise).
qualifyingChildren	integer	A non-negative number (US dollars unless the field name says otherwise).
hasChildcareExpenses	boolean	true or false.

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "spouseA",
    "spouseB"
  ],
  "properties": {
    "year": {
      "type": "integer",
      "maximum": 2100,
      "minimum": 2000,
      "description": "Tax year, e.g. 2026. Omit to use the current tax year."
    },
    "spouseA": {
      "type": "object",
      "required": [
        "income"
      ],
      "properties": {
        "income": {
          "type": "number",
          "minimum": 0,
          "description": "A non-negative number (US dollars unless the field name says otherwise)."
        },
        "itemizedDeductions": {
          "type": "number",
          "minimum": 0,
          "description": "A non-negative number (US dollars unless the field name says otherwise)."
        },
        "retirementContributions": {
          "type": "number",
          "minimum": 0,
          "description": "A non-negative number (US dollars unless the field name says otherwise)."
        }
      }
    },
    "spouseB": {
      "type": "object",
      "required": [
        "income"
      ],
      "properties": {
        "income": {
          "type": "number",
          "minimum": 0,
          "description": "A non-negative number (US dollars unless the field name says otherwise)."
        },
        "itemizedDeductions": {
          "type": "number",
          "minimum": 0,
          "description": "A non-negative number (US dollars unless the field name says otherwise)."
        },
        "retirementContributions": {
          "type": "number",
          "minimum": 0,
          "description": "A non-negative number (US dollars unless the field name says otherwise)."
        }
      }
    },
    "otherDependents": {
      "type": "integer",
      "maximum": 9007199254740991,
      "minimum": 0,
      "description": "A non-negative number (US dollars unless the field name says otherwise)."
    },
    "investmentIncome": {
      "type": "number",
      "minimum": 0,
      "description": "A non-negative number (US dollars unless the field name says otherwise)."
    },
    "qualifyingChildren": {
      "type": "integer",
      "maximum": 9007199254740991,
      "minimum": 0,
      "description": "A non-negative number (US dollars unless the field name says otherwise)."
    },
    "hasChildcareExpenses": {
      "type": "boolean",
      "description": "true or false."
    }
  }
}

freelance_rate_floor

Freelance Rate Floor — Calculates the hourly rate a freelancer must bill to match a given salary after self-employment tax and lost benefits. Returns a one-line verdict plus a link to the full interactive page with the numbers pre-filled. Accepts only numbers and enums.

read-only

Argument	Type	Description
year	integer	Tax year, e.g. 2026. Omit to use the current tax year.
stateCode*	string	Two-letter US state code, e.g. CA, TX, NY.
filingStatus*	string	One of: single, married_joint, married_separate, head_of_household.
currentSalary*	number	A non-negative number (US dollars unless the field name says otherwise).
annualBenefitsValue*	number	A non-negative number (US dollars unless the field name says otherwise).
billableHoursPerYear	integer	A non-negative number (US dollars unless the field name says otherwise).

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "currentSalary",
    "stateCode",
    "filingStatus",
    "annualBenefitsValue"
  ],
  "properties": {
    "year": {
      "type": "integer",
      "maximum": 2100,
      "minimum": 2000,
      "description": "Tax year, e.g. 2026. Omit to use the current tax year."
    },
    "stateCode": {
      "type": "string",
      "pattern": "^[A-Za-z]{2}$",
      "description": "Two-letter US state code, e.g. CA, TX, NY."
    },
    "filingStatus": {
      "enum": [
        "single",
        "married_joint",
        "married_separate",
        "head_of_household"
      ],
      "type": "string",
      "description": "One of: single, married_joint, married_separate, head_of_household."
    },
    "currentSalary": {
      "type": "number",
      "minimum": 0,
      "description": "A non-negative number (US dollars unless the field name says otherwise)."
    },
    "annualBenefitsValue": {
      "type": "number",
      "minimum": 0,
      "description": "A non-negative number (US dollars unless the field name says otherwise)."
    },
    "billableHoursPerYear": {
      "type": "integer",
      "maximum": 9007199254740991,
      "minimum": 1,
      "description": "A non-negative number (US dollars unless the field name says otherwise)."
    }
  }
}

job_offer_worth_it

Is this job offer worth it? — Compares two jobs on real take-home pay after federal, state, FICA, 401(k) and commute, and says which wins and by how much. Returns a one-line verdict plus a link to the full interactive page with the numbers pre-filled. Accepts only numbers and enums.

read-only

Argument	Type	Description
offer*	object
current*	object
options	object

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "current",
    "offer"
  ],
  "properties": {
    "offer": {
      "type": "object",
      "required": [
        "annualSalary"
      ],
      "properties": {
        "label": {
          "type": "string",
          "maxLength": 80,
          "description": "A non-negative number (US dollars unless the field name says otherwise)."
        },
        "commute": {
          "type": "object",
          "properties": {
            "mpg": {
              "type": "number",
              "minimum": 1,
              "description": "A non-negative number (US dollars unless the field name says otherwise)."
            },
            "gasPrice": {
              "type": "number",
              "minimum": 0,
              "description": "A non-negative number (US dollars unless the field name says otherwise)."
            },
            "oneWayTimeMinutes": {
              "type": "number",
              "minimum": 0,
              "description": "A non-negative number (US dollars unless the field name says otherwise)."
            },
            "oneWayDistanceMiles": {
              "type": "number",
              "minimum": 0,
              "description": "A non-negative number (US dollars unless the field name says otherwise)."
            }
          }
        },
        "stateCode": {
          "type": "string",
          "pattern": "^[A-Za-z]{2}$",
          "description": "Two-letter US state code, e.g. CA, TX, NY."
        },
        "annualSalary": {
          "type": "number",
          "minimum": 0,
          "description": "A non-negative number (US dollars unless the field name says otherwise)."
        },
        "filingStatus": {
          "enum": [
            "single",
            "married_joint",
            "married_separate",
            "head_of_household"
          ],
          "type": "string",
          "description": "One of: single, married_joint, married_separate, head_of_household."
        },
        "payFrequency": {
          "enum": [
            "weekly",
            "biweekly",
            "semi_monthly",
            "monthly",
            "annual"
          ],
          "type": "string",
          "description": "One of: weekly, biweekly, semi_monthly, monthly, annual."
        },
        "retirementContributionPercent": {
          "type": "number",
          "maximum": 100,
          "minimum": 0,
          "description": "Percentage from 0 to 100."
        }
      }
    },
    "current": {
      "type": "object",
      "required": [
        "annualSalary"
      ],
      "properties": {
        "label": {
          "type": "string",
          "maxLength": 80,
          "description": "A non-negative number (US dollars unless the field name says otherwise)."
        },
        "commute": {
          "type": "object",
          "properties": {
            "mpg": {
              "type": "number",
              "minimum": 1,
              "description": "A non-negative number (US dollars unless the field name says otherwise)."
            },
            "gasPrice": {
              "type": "number",
              "minimum": 0,
              "description": "A non-negative number (US dollars unless the field name says otherwise)."
            },
            "oneWayTimeMinutes": {
              "type": "number",
              "minimum": 0,
              "description": "A non-negative number (US dollars unless the field name says otherwise)."
            },
            "oneWayDistanceMiles": {
              "type": "number",
              "minimum": 0,
              "description": "A non-negative number (US dollars unless the field name says otherwise)."
            }
          }
        },
        "stateCode": {
          "type": "string",
          "pattern": "^[A-Za-z]{2}$",
          "description": "Two-letter US state code, e.g. CA, TX, NY."
        },
        "annualSalary": {
          "type": "number",
          "minimum": 0,
          "description": "A non-negative number (US dollars unless the field name says otherwise)."
        },
        "filingStatus": {
          "enum": [
            "single",
            "married_joint",
            "married_separate",
            "head_of_household"
          ],
          "type": "string",
          "description": "One of: single, married_joint, married_separate, head_of_household."
        },
        "payFrequency": {
          "enum": [
            "weekly",
            "biweekly",
            "semi_monthly",
            "monthly",
            "annual"
          ],
          "type": "string",
          "description": "One of: weekly, biweekly, semi_monthly, monthly, annual."
        },
        "retirementContributionPercent": {
          "type": "number",
          "maximum": 100,
          "minimum": 0,
          "description": "Percentage from 0 to 100."
        }
      }
    },
    "options": {
      "type": "object",
      "properties": {
        "year": {
          "type": "integer",
          "maximum": 2100,
          "minimum": 2000,
          "description": "Tax year, e.g. 2026. Omit to use the current tax year."
        },
        "weights": {
          "type": "object",
          "properties": {
            "commuteHours": {
              "type": "number",
              "minimum": 0,
              "description": "A non-negative number (US dollars unless the field name says otherwise)."
            },
            "netAfterCommute": {
              "type": "number",
              "minimum": 0,
              "description": "A non-negative number (US dollars unless the field name says otherwise)."
            },
            "effectiveTaxRate": {
              "type": "number",
              "minimum": 0,
              "description": "A non-negative number (US dollars unless the field name says otherwise)."
            },
            "annualCommuteCost": {
              "type": "number",
              "minimum": 0,
              "description": "A non-negative number (US dollars unless the field name says otherwise)."
            }
          }
        },
        "materialityAbsFloor": {
          "type": "number",
          "minimum": 0,
          "description": "A non-negative number (US dollars unless the field name says otherwise)."
        },
        "materialityPctOfNet": {
          "type": "number",
          "maximum": 1,
          "minimum": 0,
          "description": "Decimal fraction, e.g. 0.07 for 7%. Must be between 0 and 1 (do not pass a whole-number percent)."
        }
      }
    }
  }
}

raise_bonus_value

Raise / Bonus True Value — Shows how much of a raise or bonus you actually keep after marginal tax and lifestyle inflation. Returns a one-line verdict plus a link to the full interactive page with the numbers pre-filled. Accepts only numbers and enums.

read-only

Argument	Type	Description
kind	string	One of: raise, bonus.
year	integer	Tax year, e.g. 2026. Omit to use the current tax year.
stateCode*	string	Two-letter US state code, e.g. CA, TX, NY.
raiseAmount*	number	A non-negative number (US dollars unless the field name says otherwise).
filingStatus*	string	One of: single, married_joint, married_separate, head_of_household.
currentSalary*	number	A non-negative number (US dollars unless the field name says otherwise).
annualInflationPercent	number	Percentage from 0 to 100.
lifestyleInflationPercent

roth_vs_traditional

Roth vs Traditional — Compares Roth vs Traditional retirement contributions: the break-even retirement tax rate and which to choose. Returns a one-line verdict plus a link to the full interactive page with the numbers pre-filled. Accepts only numbers and enums.

read-only

Argument	Type	Description
age	integer	A non-negative number (US dollars unless the field name says otherwise).
year	integer	Tax year, e.g. 2026. Omit to use the current tax year.
accountType	string	One of: 401k, ira.
yearsToGrow	integer	A non-negative number (US dollars unless the field name says otherwise).
filingStatus*	string	One of: single, married_joint, married_separate, head_of_household.
annualReturnRate	number	Decimal fraction, e.g. 0.07 for 7%. Must be between 0 and 1 (do not pass a whole-number percent).
currentGrossIncome*	number	A non-negative number (US dollars unless the field name says otherwise).
afterTaxContribution