NYC Self-Employed Tax Strategy

Average user finds $4,200/yr in tax savings the first quarter.

AI quarterly tax-strategy letters built for NYC freelancers, consultants, and single-member LLCs. We find S-corp savings, retirement gaps, NYC UBT optimization, and 529 deductions — the moves your generic tax software misses.

Start your tax profile →→See pricing

Built on the same NYC-native tax engine our founders use for their own consulting practice. Beats generic tools (TurboTax, H&R Block) on NYC issues — UBT, MCTMT, NY 529, NYC home-office.

Part of the AEQUARA Suite · 42 AI tools · Not legal/financial advice

Built to find money your accountant misses

🏛

NYC-native tax intelligence

UBT, MCTMT, NY 529, NYC home-office math, and the 3.876% top NYC bracket. Generic tools don't know this terrain — we live in it.

🎯

Strategy, not compliance

H&R Block fills forms. We tell you to elect S-corp 18 months in advance to save $8K, max your Solo 401(k) to drop AGI below the QBI phase-out, and bunch charity to clear the standard deduction.

📅

Quarterly cadence

Q1: prior-year wrap + estimated tax #1. Q2: S-corp election deadline. Q3: Roth conversion window. Q4: year-end harvesting. Tax planning lives all year — not just March.

🤖

AI rigor + your real numbers

Upload your 1099s, W-2, Schedule C — Claude reads them, runs the math, and produces a prioritized action list ranked by dollars saved. You see the receipts.

💸

CPA at 1/15 the cost

$299/yr for unlimited Q&A and 4 quarterly letters. A CPA charges $1,500-3,000/yr and only thinks about you in March. We think every quarter.

🔒

Optional CPA handoff

When you need a human, we route you to vetted NYC CPAs who already know your tax profile. Skip the "send me 12 documents" intake.

Pick the cadence that matches your tax life

Single Letter

$99

One quarterly strategy letter. Best for trying us out before tax season or finalizing year-end.

  • One quarterly strategy letter (PDF)
  • NYC tax engine (federal + NY + NYC + UBT + MCTMT)
  • Top 5 prioritized actions with $ saved
  • Document upload (1099, W-2, Schedule C)
  • Email delivery

30-day money-back guarantee

MOST POPULAR

Annual

$299/year

All four quarterly letters + unlimited Q&A access. Pays back in the first letter for most users.

  • 4 quarterly strategy letters (Q1, Q2, Q3, Q4)
  • Unlimited tax Q&A with Claude (with your profile as context)
  • CPA handoff routing when you need a human
  • Priority support
  • All updates and new strategy plays

30-day money-back guarantee

Frequently asked

How is this different from TurboTax or H&R Block?

Those products are filing software. They make sure your forms are correct. We don't file for you — we tell you what to do months in advance to make next year's return look better. Example: if you wait until March to think about S-corp election, you've already missed the March 15 deadline. We flag it in Q4.

Why focus on NYC?

NYC has a stack of taxes that generic tools handle poorly: 3.876% NYC personal income tax, 4% Unincorporated Business Tax (UBT) on freelancers, 0.60% MCTMT on SE earnings, and the NY 529 deduction. We model all of these. If you're NYC self-employed, NYC-specific knowledge alone is worth the subscription.

Do I still need a CPA?

For filing your return — probably yes, especially with multiple 1099s, an LLC, and rental properties. We focus on strategy, which is upstream. Many users do the strategy themselves and only call a CPA at filing. If you want a CPA, we'll route you to one who already has your tax profile (saves the $250 intake call).

Is this tax advice?

No — this is tax-strategy education and modeling. The output is a personalized analysis to inform decisions you make with a qualified CPA. We are explicit about this in every letter and on every page.

How accurate is the math?

The deterministic computations (federal/NY/NYC brackets, SE tax, UBT, MCTMT, retirement caps) use 2026 tax-year amounts and are auditable in `src/tax-engine.ts`. The strategy commentary is generated by Claude, grounded in the deterministic numbers.

What happens if I cancel?

Cancel any time from your Stripe portal. You keep access through the paid period. We don't auto-renew without warning.