What is a Tax IQ score?

It's a simple 0–100 educational score that reflects how many of the tax-saving opportunities available for your situation you appear to be using. A lower score means there are likely moves — like funding a 401(k) or HSA, claiming a home-office deduction, or making quarterly payments — that could lower your tax bill.

Does this tool store my answers?

No. The entire questionnaire runs in your browser. Nothing you select is sent to a server or saved, and we never ask for your name, SSN, income amount, or any login.

How are the top 5 moves chosen?

Each answer maps to specific tax strategies with an estimated impact and effort level. The tool ranks the strategies that apply to you and surfaces the five with the highest potential benefit, then links each one to the relevant calculator.

No. The Tax Savings Action Plan is an educational tool that points you toward strategies to research. It is not tax, legal, or financial advice. Confirm any move with a qualified tax professional before acting.

Tax Savings Action Plan & Tax IQ Score

Answer 12 quick questions to get your 2026 Tax IQ score, your top 5 tax-saving moves, and an action checklist — organized by when to act. Nothing is stored.

Private by design. No SSN, no bank login, no IRS login, no payroll password. No account is required. Calculator inputs are processed locally in your browser and are not transmitted to or stored by TaxSaveIQ. Standard website analytics and technical logs may still apply. See our Privacy Policy. Educational estimate only.

1. Which describe you? (select all)

2. Do you have a 401(k) or 403(b) at work?

3. Are you covered by an HSA-eligible high-deductible health plan?

4. Does your employer offer an FSA?

5. Do you have dependents?

6. Do you pay for childcare or dependent care so you can work?

7. Do you have side, gig, or 1099 income?

8. Do you have a home office?

9. Do you drive your own vehicle for business?

10. Did you have taxable stock or crypto activity this year?

11. Did you (or will you) make charitable gifts?

12. Which age range are you in?

Your Tax IQ Score

90/100

Excellent — you're capturing most opportunities

2 opportunities identified below

Your Top 5 Moves

Increase your 401(k) contribution
You're contributing some but not maxing. Each extra dollar lowers taxable income at your marginal rate.
See the impact →
Check your paycheck withholding
Make sure you're not handing the IRS an interest-free loan — or setting up a surprise bill.
Open the W-4 Optimizer →

Your action plan, by when to act

🧾 Through payroll (set up now)

Increase your 401(k) contribution

You're contributing some but not maxing. Each extra dollar lowers taxable income at your marginal rate.

See the impact →

Check your paycheck withholding

Make sure you're not handing the IRS an interest-free loan — or setting up a surprise bill.

Open the W-4 Optimizer →

📅 Before December 31

No items in this category.

🗓️ By the filing deadline

No items in this category.

👔 Ask your CPA

No items in this category.

How the score works:you start at 100 and lose points only for clearly-missed, high-value opportunities that apply to you (an unused 401(k), HSA, or FSA; untracked self-employment). It's an educational signal, not a precise measure of your tax bill.

Educational tool only — not tax, legal, or financial advice. Strategies that apply to you depend on facts this quiz doesn't capture. Confirm any move with a qualified tax professional before acting.

About your Tax IQ score

How the plan works

Your Tax IQ score reflects how many of the highest-impact tax moves you're already using — from maxing pre-tax accounts and claiming credits to timing capital gains and using the new OBBBA deductions. The ranked action list turns the gaps into next steps, each linked to the calculator that runs the numbers, so you can act before the deadline that matters.

Most levers close on December 31 (retirement contributions, loss harvesting, Roth conversions, charitable gifts), while a few — HSA/IRA funding and the Q4 estimate — run into the new year. Working down your list in deadline order is the fastest way to raise your score and lower your bill.

Tips to raise your score

Automate retirement contributions so you hit the annual limit without thinking about it.
Do a year-end review in November — most big moves expire December 31.
Claim every credit you qualify for; credits cut tax dollar-for-dollar, unlike deductions.
If you're self-employed, track deductions all year and pay quarterly to avoid penalties.
Revisit your plan after any life change — marriage, a child, a home sale, or new income.

Sources & verification