S-Corp Savings Calculator
An S-Corp election can cut your self-employment tax bill significantly — or cost more than it saves. Enter your income and see which side of that line you're on.
State tax is the same with or without S-Corp — it doesn't affect your savings
The IRS requires a "reasonable" salary. Most creator CPAs use 40–50% of net profit as a starting point.
Estimated Annual Savings
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Tax Comparison
Estimates use 2026 SE tax rates and the $184,500 Social Security wage base. S-Corp overhead is estimated at ~$1,008/yr* — Gusto Simple payroll (~$55/mo, required for S-Corp compliance) + Off Record subscription. State-specific entity costs are not included: California charges an $800/yr minimum franchise tax on S-Corps; other states may impose additional annual fees or corporate taxes. Net savings depend on salary determination, state taxes, and other factors. Not tax or legal advice.
*S-Corp owners are required by the IRS to run payroll and pay themselves a reasonable salary. Overhead estimate based on Off Record starting plan pricing. Higher tiers available.