W-2 Tax Optimizer
Understand your W-2 taxes. Make your own decisions. Take control of your future.
Find tax savings from pre-tax benefits, check your withholding, and see exactly what you could save.
Enter your wage at any pay frequency — it converts to an annual figure. Precise take-home is shown at right.
Your tax picture
How this is calculated
We estimate your federal and state tax and the unused room in pre-tax accounts (401(k), HSA, FSA), then the tax those contributions would save.
The steps
- AGI = salary − pre-tax contributions − adjustments; taxable income = AGI − the larger of standard or itemized deductions.
- Federal tax from the 2025 brackets, less the child tax credit; state tax via a flat state rate.
- Headroom = each account’s limit − what you’ve contributed; tax saved ≈ headroom × your marginal rate.
Assumptions
- 2025 brackets, standard deduction, and contribution limits.
Good to know
- Simplified — doesn’t model every credit, phase-out, or local tax.
Related resources
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. For tax advice, consult a CPA or Enrolled Agent. View full disclosures →