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S-Corp vs. LLC tax savings

Electing S-corporation status splits your profit into a reasonable salary and a distribution — and only the salary carries payroll tax. This estimates what that split is worth, then adds two of the largest levers available to owners: cost segregation on real estate you own, and retirement contributions.

Your business

Filing status

Business net profit

Profit before any owner salary.

Reasonable S-corp salary

What you would pay someone else to do your job. The IRS requires this to be reasonable.

Other household income

Spouse W-2, interest, and so on.

Added S-corp admin cost

Payroll service, the 1120-S return, and related bookkeeping.

Retirement

Retirement contribution

Employee deferral. The 2026 401(k) limit is $24,500.

Cost segregation

Property purchase price

Leave at 0 if you do not own investment real estate.

Property type

Land allocation

Land is not depreciable. 20% is a common starting assumption.

Real estate professional status

Determines whether the deduction can offset your other ordinary income this year.

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Related service: Tax

These tools are educational and produce estimates from the figures you enter. They are not tax, legal, investment, or accounting advice, and they do not create a client relationship. Talk to us before acting on a number you see here.

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