The number is only worth the math behind it. So here is the math. We take your real 2026 figures, run them against the current federal and state tax rules and the actual group-plan tiers, and show every line, so your CPA can check the work.

See your number

What the calculator builds

Two models, on your own 2026 figures.

Your personal model, run two ways. We compute your 2026 federal and state income tax on your current path, then again as it would run through a group plan, on the same income and the same family. The difference between the two is your personal result.

Your company model, when you have a team. We cost your current separate plans for the year, then the same coverage inside one consolidated group, and show the net difference for the business.

Both run against the three real plan tiers on a National Tier 1 PPO, so you compare on the plan you would actually pick. See what you get and the tiers and prices.

What goes in

The result is built from facts you enter:

  • your net business income for 2026,
  • what you pay today for coverage,
  • your state,
  • your entity, or the entity you plan to elect,
  • your team size, if you have one.

How much a group structure helps depends on these. Income and current coverage cost move the result the most. State and entity shape the tax side. Team size drives the company model. Change an input and the number moves with it.

What is solid, and what your CPA confirms

Not every figure carries the same weight, so we label each one.

  • Solid the moment you enter it: your inputs, the published plan tiers, and the PEO's flat fee.
  • Computed from current 2026 rules: the tax figures, calculated from the 2026 federal tax tables and your state's 2026 schedule. They are exact as the rules stand today, and your CPA confirms they fit the rest of your filing.
  • Confirmed by the licensed provider: final plan availability, underwriting, enrollment, and effective dates. The number shows the likely path; the licensed provider sets the plan-side specifics.

The calculator gives you a sourced decision document on current rules. It is not a guarantee, and it does not replace your CPA or the provider.

Where the result breaks even

The calculator shows whether the structure pays for its own flat fee on your numbers. A group structure helps when your tax and coverage savings clear two costs: the PEO's flat fee, and any change in what you pay for the plan itself. Above the fit range, that gap is usually clear. Near or below it, the savings may not cover the fee, and the report says so. See whether a PEO is a fit.

Built on 2026, and kept current

The math runs on the 2026 federal and state tax rules and the current plan rates. Both change from year to year. We review this page and date it, and the calculator runs on the current tables. Run your number again when your income, your coverage cost, your entity, or the tax year changes.

Why the number can tell you no

The calculator has to show the weak cases clearly. When the math is thin or negative, the report tells you to stay put.

Built for your CPA

Every figure shows the inputs and the 2026 rules behind it, so nothing sits inside a black box. You can copy your report link and send it to your CPA, who keeps the final word on your tax, entity, salary, and filing decisions. The report is built to survive that review. See what the full report shows.

We are not the plan provider. A separate, licensed provider runs the plan. We run the math and connect you.

Sources

  • 2026 federal income tax tables: Internal Revenue Service.
  • State income tax schedules: each state's department of revenue.
  • Group plan tiers: a National Tier 1 PPO, with the current tiers and prices on Pricing.