Disclaimer

No client relationship

Using this site, reading our content, or emailing yourself a calculation result does not create an advisor-client, attorney- client, accountant-client, or fiduciary relationship between you and Bedrocka Tools LLC or any of its contributors. We are not your advisor until and unless you sign a written engagement letter with Bedrocka Consulting LLC or another Bedrocka Ventures entity.

Calculator outputs are estimates

Every calculator on this site produces an estimate based on the inputs you provide and the formulas we have coded. Real-world outcomes may differ because of factors we do not capture: state-level tax rules that modify federal treatment, income thresholds that change annually (IRS Publication 560, IRS Publication 535), regulatory changes that post-date our last review, and facts about your specific filing situation that are not reflected in the inputs. Use calculator results to get a defensible ballpark number and to structure your conversations with a CPA or Enrolled Agent — not to make final decisions by themselves.

Use at your own risk

You assume full responsibility for any decision you make based on information from this site. We disclaim liability for outcomes that depend on factors outside our control — which, for financial decisions, is almost all of them.

Not affiliated with regulatory or government entities

Bedrocka Tools and Solo Operator Finance Hub are not affiliated with, endorsed by, or acting on behalf of the Internal Revenue Service (IRS), the U.S. Department of the Treasury, the Department of Health and Human Services (HHS), the Centers for Medicare and Medicaid Services (CMS), or any other regulatory or government entity. Where we cite their publications and guidance, it is as a primary source of public information, nothing more.

Tax and retirement plan caveats

• Retirement contribution calculators (Solo 401(k) vs SEP-IRA) produce estimates only. Contribution limits, earned-income definitions, and plan establishment deadlines are governed by IRC §401(k), §408(k), and §415(c). Limits adjust annually. Verify the current-year limits and your specific eligibility with a CPA or plan administrator before contributing.
• Entity structure calculators(LLC vs S-Corp) produce an estimate of potential SE tax savings. Actual outcomes depend on your state's treatment of S-Corp distributions, state franchise tax obligations, reasonable-salary determinations (IRC §3121), and payroll compliance costs. An S-Corp election that saves federal SE tax may not be net-positive after state fees and payroll overhead. Consult a CPA before filing Form 2553.
• QBI deduction calculators (IRC §199A) are highly sensitive to SSTB classification, taxable income thresholds, W-2 wages paid, and unadjusted basis of qualified property. These thresholds adjust annually. The calculator output is a planning estimate — your actual deduction must be computed on Form 8995 or 8995-A with the final figures from your return.
• Health coverage deduction (IRC §162(l)) is subject to earned-income limitations and is not available if you are eligible for employer-subsidized coverage through a spouse. HSA contribution limits (IRC §223) depend on your HDHP plan type and whether you hold family or self-only coverage. Eligibility rules change annually. Consult an Enrolled Agent or CPA for your specific filing year.
• State tax treatmentvaries significantly. Several states do not conform to the federal QBI deduction; S-Corp distributions are taxed differently across states; some states impose entity-level taxes on S-Corps. Nothing on this site addresses your specific state's rules.

Contact for corrections

If you find an error in a calculator or in our cited sources, email info@bedrockatools.com. See methodology for our correction policy.