The w-2 employee tax strategy library
Most savings come from decisions you make at open enrollment and in your payroll settings, not at filing time.
Best forAnyone with a workplace planPrimary leverDeduction or tax-free growth
RetirementMax your 401(k) and pick Roth vs. pre-tax
Pre-tax deferrals cut taxable income now, while Roth deferrals grow tax-free. High earners at 50+ must make catch-ups as Roth if their prior-year FICA wages topped $150,000. In every case, capture the full employer match first.
Best forEmployees enrolled in an HSA-eligible planPrimary leverTriple tax benefit
HealthUse the HSA as a stealth retirement account
Pay current medical bills out of pocket, keep receipts, invest the HSA, and reimburse yourself years later. From 2026, bronze and catastrophic plans are HSA-compatible, whether or not you buy them through the marketplace.
Best forHourly workers, tipped workers, new-car buyersPrimary leverBelow-the-line deductions
New lawClaim the new overtime, tip, and car-loan deductions
The deductions cover up to $12,500 of overtime premium ($25,000 joint), $25,000 of qualified tips per return, and $10,000 of interest on a new U.S.-assembled car loan, subject to income phase-outs. Married couples must file jointly to claim the overtime or tip deduction.
Best forEvery employee, every fallPrimary leverPre-tax payroll
BenefitsOptimize open enrollment
Benefit elections are pre-tax for income and FICA, which makes them worth more per dollar than most itemized deductions.
Best forTech and public-company employeesPrimary leverAvoid penalties & surprises
EquityFix RSU under-withholding
Increase W-4 withholding or make estimated payments when large vests occur, and track ESPP basis so you aren't taxed twice.
Best forEarners above Roth IRA income limitsPrimary leverTax-free growth
RetirementBackdoor and mega-backdoor Roth
Watch the pro-rata rule if you hold pre-tax IRA balances. If your plan allows after-tax contributions with in-plan conversion, you can contribute up to the $72,000 total limit.
Best forHomeowners in high-tax statesPrimary leverItemized deductions
DeductionsRevisit itemizing under the $40,400 SALT cap
Add up state income tax, property tax, mortgage interest, and charitable gifts. If the total exceeds the $32,200 joint standard deduction, consider bunching gifts into one year.
Best forConnecticut residents, especially New York commutersPrimary leverCredit for taxes paid
ConnecticutCoordinate Connecticut and New York tax
Track your New York workdays, remember that normal workdays at home usually count as New York days under the convenience rule, and check Connecticut withholding if your employer withholds only for New York. Also use the CHET subtraction of up to $5,000 ($10,000 joint).