HackerNews中文版

我厌倦了在决定是否为我的有限责任公司（LLC）选择S公司时进行粗略的计算，所以我在周末制作了一个计算器。我找到的大多数工具要么忽略州/城市税，要么收费获取答案，或者需要创建账户才能看到有用的信息。TakeHome完全在您的浏览器中运行（无需注册，无分析，无服务器端存储），并且在您拖动滑块时实时更新每一个数字。它模拟的内容包括： - LLC自雇税与S公司W-2工资的FICA税 - QBI扣除（第199A条款）与SSTB逐步淘汰 - 根据SECURE 2.0规则的单人401(k)（传统/罗斯/分割，按年龄段的补缴限额） - 自雇健康保险扣除 - S公司管理/合规成本比较 - 纽约州所得税、特许税、PTET - 纽约市UBT（LLC）、GCT（S公司）、PIT及IT-219抵免您可以保存场景，比较任意两个场景（它会准确显示哪些输入不同以及对美元的影响），并进行多维的“假设”实验。还有一个AI模式，您可以用简单的英语描述一个场景，它会为您生成实验。税务引擎约有2000行TypeScript代码，没有外部依赖。技术栈为React 19、MobX、Tailwind v4，部署在Cloudflare Workers上。AI功能使用Claude Haiku。注意事项：纽约/纽约市的税务模型已完全构建；对于其他地区，在联邦层面上是方向正确的（自雇税与FICA税、QBI、401k分析是与地点无关的）。假设为标准扣除。QBI假设为SSTB。此内容不构成财务建议，请将其视为与您的注册会计师（CPA）对话的准备。我在每个计算项上添加了详细的工具提示，包括公式、IRS代码引用和来源链接。每个数字都展示了其计算过程。我对反馈很感兴趣，特别是如果您发现税务逻辑错误。同时也想知道我是否应该优先考虑其他州（加州、德克萨斯州、佛罗里达州？）或支持逐项扣除。 <a href="https://takehome.money" rel="nofollow">https://takehome.money</a>

查看原文

I got tired of doing rough napkin math on whether to elect S-Corp for my LLC, so I built a calculator over the weekend.Most tools I found either ignore state/city taxes, charge you for the answer, or require creating an account to see anything useful. TakeHome runs entirely in your browser (no sign-up, no analytics, no server-side storage) and updates every number in real time as you drag sliders.What it models: - LLC self-employment tax vs. S-Corp FICA on W-2 salary- QBI deduction (Section 199A) with SSTB phase-out- Solo 401(k) with SECURE 2.0 rules (traditional/Roth/split, catch-up limits by age bracket)- Self-employed health insurance deduction- S-Corp admin/compliance cost comparison- NY State income tax, franchise tax, PTET- NYC UBT (LLC), GCT (S-Corp), PIT with IT-219 creditYou can save scenarios, compare any two side by side (it shows exactly which inputs differ and the dollar impact), and run multi-dimensional "what-if" experiments.There's also an AI mode where you describe a scenario in plain English and it generates the experiment for you.The tax engine is ~2,000 lines of TypeScript with no external dependencies. Stack is React 19, MobX, Tailwind v4, deployed on Cloudflare Workers. AI feature uses Claude Haiku.Caveats: NY/NYC taxes are fully modeled; for other jurisdictions it's directionally correct at the federal level (SE vs. FICA, QBI, 401k analysis are location-independent). Standard deduction assumed. SSTB assumed for QBI. Not financial advice, treat it as prep for a conversation with your CPA.I've added detailed tooltips on every computed line item with formulas, IRS code references, and source links. Every number shows its work.Interested in feedback, especially if you spot tax logic errors. Also curious whether I should prioritize other states (CA, TX, FL?) or itemized deduction support next.<a href="https://takehome.money" rel="nofollow">https://takehome.money</a>

展示HN：TakeHome – 自雇人士的有限责任公司与S型公司的税务计算器