Your tax return is a snapshot. This lets you move the levers.
Upload your tax documents and get a live federal tax model — your estimated liability, refund, and marginal bracket, recalculating the instant you change income, deductions, or filing status. See exactly how close you are to the next bracket, and what a move would do — before you make it. Free, and yours to re-run anytime.
Free. A one-off tax projection from a professional runs $200–$500; tax software charges around $149 for the same what-if math.
Every input recalculates the whole picture instantly. The model uses your real numbers — these are illustrative.
Most people meet their tax number once a year — after it's too late to change it.
The tax code isn't the problem. Not being able to see it is. When your numbers are just a form you sign once a year, every decision in between is a guess. This makes them something you can look at — and play with — whenever you want.
“What would that do to my taxes?” shouldn't be a mystery.
Should you contribute more to your 401(k)? Take the bonus this year or next? Sell the stock now? Every one of those is a tax question, and most people answer it with a shrug — because the only way to really know was to pay someone or wait until filing.
A live model closes that gap. Change the input, see the number. No appointment, no invoice, no waiting until next April to find out you guessed wrong.
Illustrative. Your model runs on the documents and figures you enter.
Tax what-if math exists. It usually costs money or waits for April.
$200–$500 for a one-off what-if — thorough, but you have to book it, wait for it, and pay again the next time a question comes up.
Around $149, and the projection tools are bolted onto a product built to file a return — not to let you freely play with scenarios.
Fine for a single rough number, but they start from a blank form every time and can’t hold your actual documents or compare scenarios.
Free, but by then every decision that could have changed the number is already made.
Seeing your own tax picture shouldn't cost anything — so here it doesn't.
Upload once. Model anything. See it instantly.
Upload your 1040, W-2s, and 1099s — we read the relevant fields so you start from your real numbers, not a blank form.
Change any income, deduction, or filing input and the estimated liability, refund, and bracket update immediately.
See which bracket your next dollar lands in — and how far you are from the next one up or down.
See instantly which one wins on your numbers, instead of guessing.
A raise, a side gig, a bigger retirement contribution, capital gains — model it before you commit, not after.
Come back and re-model whenever your situation changes. No charge, no limit.
Federal estimates only, on the figures you enter — a planning tool, not tax advice or a filed return. For filing or advice, work with a licensed tax professional.
Got your results? Now just ask WarrenBeta.
Warren has your tax model results and explains them in plain, simple English. Ask it anything — what a number means, what changed, what to look at next — and get a clear answer, on demand. No jargon, no judgment, no appointment.
Free with your account, and it gets more generous the more services you use. Warren explains your numbers — it doesn't tell you what to buy or do. You decide.
Ask Warren provides general educational information about your own inputs and results and does not constitute personalized investment, tax, legal, or insurance advice, or a recommendation to buy or take any action. Warren can make mistakes — verify important details and consult a licensed professional before making decisions.
How it works
Your 1040, W-2s, and 1099s — we extract the fields automatically. Or enter the numbers by hand.
Your estimated federal liability, refund, and marginal bracket, built from your real figures.
Change any input and watch the whole picture recalculate. Re-run it whenever life changes.
Takes minutes. Free. No credit card, no commitment.
You don't need to be a tax person to see your own taxes.
Most people feel a little in the dark about their taxes, and that's completely normal — the code is built to be opaque. You don't need to learn it. You just need to see your numbers and be able to move them around. That's the whole idea here: a clear, private, no-cost window into your own tax picture, open whenever you want it.
The same what-if tax math costs $200–$500 from a professional or around $149 in tax software. Here it is free, and you can re-run it as many times as you like.
Frequently asked questions
- Is it really free?
- Yes. The Tax Modeler is free to use — no credit card, no trial that flips to a charge. You upload your documents, and the interactive model is yours to run as many times as you like.
- Is this tax advice or tax preparation?
- No. It is an educational modeling tool that estimates your federal tax picture from the numbers you provide. It does not file your return, and it does not tell you what to do — it shows you the math so you can decide. For filing or advice, work with a licensed tax professional.
- What do I need to get started?
- Your federal tax documents — a prior-year Form 1040, W-2s, and 1099s work best. We extract the relevant fields automatically so the model is pre-populated. You can also enter figures by hand.
- How accurate is the estimate?
- The model uses current-year federal brackets, the standard deduction, and standard federal calculations on the figures you enter. It is a planning estimate, not a filed return — your actual liability depends on your full, verified tax situation.
- Do you sell my data?
- No. The documents and figures you enter are used to build your model. See our Privacy Policy for details.
See your tax picture — free.
Upload your documents and start moving the levers in minutes.
Dversify provides educational financial-analysis tools and does not provide tax, legal, or financial advice, or tax-preparation services. The Tax Modeler produces federal planning estimates based on the information you provide and does not file returns. Figures are illustrative and may differ from your actual tax liability. Consult a licensed tax professional before making tax decisions.