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Rubric Financial

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S-Corp Savings Calculator

Estimate whether the S-corp election will actually save you money — net of payroll-provider cost, additional tax prep, and (if you're in California) the 1.5% S-corp tax on the distribution.

Your situation

Adjust the inputs to see whether the S-corp election is likely worth the overhead.

$50K$500K
$30K$300,000

Estimated outcome

+$6,694

estimated net annual savings vs. staying as an LLC / Schedule C

Self-employment tax (without S-corp)$21,194
FICA on W-2 salary (with S-corp)$11,475
Gross payroll-tax savings$9,719

Payroll provider cost (~est.)-$1,200
Extra tax prep (1120-S)-$1,500
California S-corp tax (above min)-$325

Net annual savings$6,694

Read this carefully

Estimates only. Actual savings depend on reasonable comp, state rules, retirement plan contributions, QBI deduction effects, and your specific facts. A licensed CPA should run a full analysis before you elect. Talk to a partner.

Want a real analysis?

This calculator is a directional estimate. The real S-corp decision depends on factors it can't model — reasonable comp evidence for your role, retirement plan contribution structure, QBI deduction interactions, ownership-share considerations, and state-specific rules beyond California.

For a full S-corp vs. LLC analysis tailored to your facts, our CPA-led tax practice runs the numbers, files the election, and handles the ongoing 1120-S returns.

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