Read the return.
Model the year.
Plan the next sixty years.
Tax Telemetry turns a client’s 1040 into a working tax model in minutes. Compare scenarios side by side, optimize savings, withdrawals and Roth conversions across retirement, and hand clients a plan with the math showing.
- Federal and state tax, computed together
- Tax years 2025 and 2026
- Client data encrypted at rest and in transit
Four instruments, one workflow.
Each one is a full federal-and-state calculation underneath. Together they take a household from a PDF to a plan you can defend line by line.
Upload the 1040. Verify only what needs it.
Drop in a client’s federal return. Tax Telemetry parses every line into structured data, grades its own extraction, recomputes the return with its own engine, and queues the handful of fields worth a second look. State details are entered in the model.
- Extraction score with line-math, consistency and recomputation checks
- The engine’s estimate next to the filed figures
- Low-confidence fields queued with their extracted value and confidence score, the PDF a click away
Compare scenarios side by side, live.
Every model is a complete federal and state return. Change a Roth conversion, a charitable gift or a filing status and total tax, effective rate and every phase-out recompute, with the difference from the filed return called out on each line.
- As-filed column locked; as many models as you need beside it
- Totals and the tax delta update as you type
- Every change priced as a complete federal and state return
Every cliff, surtax and phase-out, explained in plain numbers.
Ordinary and capital-gains brackets stacked the way the IRS stacks them, the true marginal rate across the income curve, NIIT, IRMAA tiers and state tax, each with its arithmetic shown so you can put it in front of a client.
- Marginal rate chart with phase-out spikes, IRMAA bands and headroom to the next bracket
- What each deduction actually saves, in dollars
- Federal and state on one page
Optimize savings and withdrawals across retirement, not just this April.
Set spending, accounts, Social Security timing and Roth-conversion rules. The optimizer solves each year’s contributions and funding mix over a horizon of up to 60 years and reports funding and spending, annual tax cost and terminal balances year by year.
- Per-year overrides in a spreadsheet-style grid
- Ranked against dozens of rule-of-thumb strategies and our adaptive model
- IRMAA years highlighted on the annual tax-cost chart
Solved across the whole horizon, not scripted year by year.
Most multi-year tools apply the same rule every year: spend taxable first, convert to the top of the 22% bracket, stop at IRMAA. Tax Telemetry’s proprietary models treat every year’s withdrawals and conversions as one problem and solve them together, with the full federal and state return computed for each year.
One solve, every year at once
Each year’s withdrawals by account, Roth conversions, contributions and gifts are solved together by our own optimization model, which maximizes after-tax terminal wealth with the tax still owed on pre-tax balances netted out.
The real return, every year
Each year is priced by the same engine that rebuilds a filed return: bracket stacking, Social Security taxation, RMDs, IRMAA’s two-year lookback, NIIT and the ACA cliff. The plan is re-priced and solved again until every year’s tax gap is under $500.
Ranked against the rules of thumb
Every result is ranked against up to 84 rule-based strategies, from “no conversions” to “fill the 24%” to “stop at IRMAA tier 1”, and against our adaptive model, which searches for the best policy on the same simulator. You see the rule you would have used, the adaptive plan and the solved plan side by side.
Sample household, real output. The solved plan finishes $576K ahead of the best rule of thumb; our adaptive model comes second, $380K behind. Every row is valued at its own projected drawdown tax rates, so pre-tax-heavy plans carry their embedded tax.
From PDF to plan in three steps.
No data entry to start. The return is the data.
- 1
Upload the return
The federal 1040 as a PDF. Pages become structured fields, the parts worth checking are queued for you, and state details go straight into the model. You get a return summary with an extraction score.
- 2
Model and optimize
Add scenarios beside the filed return, or hand the household to the Tax Optimizer for a multi-year savings and withdrawal strategy. Every strategy comes back ranked with its dollar impact.
- 3
Deliver the plan
Walk the client through it with the charts and the arithmetic on screen, so the recommendation survives the follow-up questions. Client-ready PDF reports are coming soon.
No black box. Every figure traces to a line.
Advisors get asked “where does that number come from?” Tax Telemetry answers it the way a preparer would: form, line, rate, amount.
Traceable arithmetic
Bracket-by-bracket tax and the marginal-rate breakdown are shown as calculations, not just totals.
Year-aware constants
2025 and 2026 brackets, standard deductions, IRMAA tiers and credit thresholds, updated as the IRS publishes them.
Federal and state, together
State tax is computed from the same model as the federal return, so a Roth conversion shows its state cost next to its federal cost.
Built for client tax data from day one.
A tax return is the most sensitive document most households own. The architecture assumes that.
Encrypted at rest and in transit
Client data is encrypted at rest with keys we control, not the cloud provider’s defaults, and every connection is encrypted in transit.
Each firm’s data is isolated
Isolation between firms is enforced by the database itself, not only by application code, and every request is checked against the firm it belongs to before any data is read.
No personal data in logs
Monitoring runs with personal-data capture disabled. Names, Social Security numbers and dollar figures never land in logs or analytics.
No public database
The database and document store have no public endpoint. Only the application can reach them, over a private network.
Access per user
Every user has their own sign-in and a role within the firm, and access can be removed the moment someone leaves.
Your data stays yours
Delete a household and its documents go with it. Your firm’s data is never sold or shared, and we remove it on request.
We’re onboarding a small number of founding firms.
Tax Telemetry is in early access with RIAs and CFP® professionals who do proactive tax planning. Early-access firms work in the product with us, get a direct line to the people building it, and shape what ships next.
- You advise households with retirement accounts, Roth decisions or state-tax questions
- You want scenario math you can show a client, not a summary score
- You can give us 30 minutes of feedback every two weeks
Five questions. We reply within one business day.
What early access includes
Updated with each release- Federal return upload and extraction with a review queue
- State tax entered in the model and computed with the federal return
- Tax Modeling with side-by-side scenarios
- Tax Insights: brackets, marginal rate, NIIT, IRMAA, state
- Tax Optimizer: savings and withdrawals solved across the plan horizon
- Client-ready PDF reportsComing soon
Questions advisors ask first.
Does it handle state tax?
Yes. You enter the state details in the model, and state tax is computed alongside the federal return, so every scenario and every plan year shows its state cost next to its federal cost. State returns themselves are not uploaded. Every engine is year-aware for 2025 and 2026 constants.
Is client data secure?
Yes. Client data is encrypted at rest and in transit, each firm’s data is isolated from every other firm’s, and personal tax data never appears in logs or analytics. Ask us for the security overview and we will walk through it with you.
Who is Tax Telemetry for?
RIAs and CFP® professionals who do proactive tax planning for households, especially around retirement withdrawals, Roth conversions, charitable giving and state tax. It is professional software, not a consumer tax app.
Which forms and schedules does it read?
Form 1040 and 1040-SR with the common schedules. Every extracted value is shown with its confidence score so you can confirm it against the PDF before modeling. State returns are not uploaded; state details are entered in the model. Trust and entity returns are not supported.
Can I model multi-year Roth conversions with IRMAA, Social Security and RMDs?
Yes. The Tax Optimizer sequences conversions and withdrawals across the plan horizon with Social Security timing, required minimum distributions and IRMAA tiers in the model, and shows the tax cost of each year.
How does early access work?
Request access, tell us about your practice, and we schedule a 30-minute walkthrough on scenarios like your own clients’. Early-access firms get onboarding help, regular release notes and a direct channel to the team.
Does it integrate with my CRM or planning software?
Not yet. Returns come in as PDFs, and client-ready PDF reports are coming soon. Integrations are on the roadmap and early-access firms help set the order.
Is this tax advice?
No. Tax Telemetry is planning software for professionals. It calculates and illustrates; the advice, and the responsibility for it, stays with you.
See your clients’ numbers in it.
Thirty minutes, on scenarios like your own. Bring a return you know well and watch the model rebuild it.
No prep needed · No credit card · Reply within one business day