Free · 2026 tables · No contact to see your result
The S-corp tax calculator that shows you a second number.
Enter your numbers and see what the salary-and-distribution setup saves you for 2026, free, with no name, email, or phone. Most S-corp calculators stop there. This one keeps going, to what the same structure does to your coverage cost.
Generated from your inputs. Nothing is stored or shared until you ask for the full report.
No salesperson. No one calling you. If the structure does not beat what you pay now, the result says so.
We only make money when an owner we connect actually comes out ahead. If the math does not clear, the screen tells you, and so do we.
Why this calculator shows two numbers, not one.
Every S-corp tax calculator answers the same question: how much does paying yourself a salary, and taking the rest as a distribution, cut what you lose to self-employment tax. That is a real number and you get it here. But it is only half the story. The same payroll you run to make that election work is the exact thing a real big-company group health plan runs through. So there is a second number: what that coverage costs you today against what it costs inside the group plan. Most calculators never tell you the second number exists. This one runs both.
The setup that cuts your self-employment tax is the doorway to a real group health plan. You already built the hard part. The plan plugs into it.
How the coverage number works.
A 500-person company gets better coverage at a better price than you can, because it buys as one large group instead of as one person. Your S-corp can join a group like that, even if the only employee is you. The plan is a national PPO. The premium runs through the payroll you already run for the salary side of your election. Your doctors stay the same.
If you have read about a more-than-2-percent shareholder, you know owner coverage gets treated its own way. The short version: through the group plan, you, the owner, are on the plan, the calculator shows your real cost, and your CPA confirms the exact treatment for your situation. We show the number. Your accountant signs off.
We are not the plan provider. A separate licensed provider runs the coverage. We run your numbers and connect you.
The believability clause
You do not build a group. You join one that already exists.
A business of one qualifies the same as a business of fifty.
What it asks, and what you get back.
A few quick questions: what you earn, what you pay yourself, your entity and state, and what you pay for coverage now. Nothing else, and nothing that identifies you. It runs live on the real 2026 federal and state tables. You get two numbers back, free: your personal finances, your tax and coverage cost today against the structure in place, and your company's payroll costs, the same way. If it does not beat what you pay now, the screen says so.
Want it in writing? The full CPA audit report, generated for your exact numbers, is yours to hand your accountant, built to be checked line by line.
The plans behind the second number.
Representative composite rates, set by the group and not by your age. Your actual rate is set at enrollment, and your own number comes from the calculator above.
The fee
One flat fee per person, month to month, no long-term contract. The fee does not climb when you pay yourself more or add a person.
The calculator works for a specific owner.
Clear all three and the second number usually works in your favor.
Your income, not your team's.
What reaches the premium today.
Taxed as an S-corp or C-corp, or willing to elect.
The honest turn-away
If you elected S-corp on paper and are not really paying yourself a salary yet, the coverage number waits until the payroll is real. If you are on a spouse's plan, or you net well under that line, or you already pay very little for coverage, the second number probably will not beat what you have. We would rather tell you that for free than sell you a yes.
You came for the tax number. Take the second one too.
Run it free. No call, no email, no salesperson. If the structure does not beat what you pay now, the screen tells you so and you owe us nothing, because we only make money when an owner we connect actually comes out ahead.
Your exact 2026 numbers, free. The full CPA audit report when you want it.
If it is just you, the solo owner walkthrough goes deeper. Not elected yet, or weighing it? Start here.
setup
You already restructured to keep more of what you earn. The coverage move sits in the same setup, and every renewal you wait, the age-rated price you pay alone climbs again. The structure is decades old. Waiting just runs the cost through one more cycle.
In the news
The 2026 cost shock made national news.
When the 2026 subsidies ended, the squeeze on owners and the self-employed was covered across the major networks. The cost structure was always there. The news just put it on everyone's screen.
Millions face the ACA subsidy expiry
The quiet fallout from higher ACA premiums
How the end of ACA subsidies is squeezing owners
Premiums set to skyrocket Jan. 1
Millions of Americans in limbo
Health premiums set to soar
Unedited segments from each network's own coverage. USA OPS is not affiliated with or endorsed by these outlets.
S-corp tax calculator questions, answered straight.
How does an S-corp tax calculator work?
It estimates what you keep by paying yourself a reasonable salary and taking the rest as a distribution, instead of treating all profit as self-employment income. You enter your earnings, your salary, your entity, and your state, and it runs the 2026 tables. This one adds a second number most calculators skip: what the same structure does to your coverage cost.
Is this S-corp tax calculator free, and do I have to give my contact details?
No contact to see it. The calculator returns your numbers with no name, email, or phone, free, on the real 2026 federal and state tables. Contact is asked only if you want the full CPA audit report sent to you and your accountant, built to be checked line by line.
How much can electing S-corp save me?
It depends entirely on your profit, your reasonable salary, and your state, which is exactly why you run your own numbers rather than trust a generic estimate. The calculator shows your figure and your CPA confirms it. The point this page adds: the same election also opens a real group health plan, and you see that number too.
Can an S-corp owner get a real group health plan?
Yes. You do not build a group, you join a large one that already exists, even if you are the only employee. Your payroll runs the premium, the plan is a national PPO, and a business of one qualifies the same as a business of fifty. The calculator shows your cost before any contact.
LLC or S-corp, which saves more?
For many owners with enough profit, electing S-corp and splitting salary from distribution lowers what they owe versus a default LLC, but it adds payroll and filing work, so there is a break-even. The calculator runs your real numbers in effect, and your CPA confirms the call for your situation. It also shows the coverage number either way.
What does it cost to work with you, and how do you get paid?
One flat fee per person, month to month, 150 dollars for the full stack or 75 for compliance only, and it does not climb when you pay yourself more. We are an independent referral partner, not the provider, and we only earn when the math leaves the owner we connect better off. If it does not, the screen says so.