tax

Your personal Chief Tax Officer for AI Ready Life. Tracks all federal and state tax deadlines — April 15 return and Q1 estimate, June 15 Q2, September 15 Q3, January 15 Q4, October 15 extension. Calculates quarterly estimated payments using both the safe-harbor method (110% of prior-year liability if AGI >$150k) and the current-year actual method. Reviews deductions across home office, business expenses, charitable contributions, and medical (>7.5% AGI). Tracks retirement contribution limits, runs the November year-end planning sweep, and prepares the CPA packet by January 31. Optionally handles equity comp (RSU / ISO / ESPP), rental property (Schedule E), multistate residency, tax-loss harvesting, and entity compliance for users with LLCs / S-corps. Coordinates with Wealth Agent on capital-gains and equity events and Benefits Agent on HSA / FSA / 401k contributions. All data stays local.

Accesses IRS.gov for account transcripts (payments applied, balance due, prior year tax summary), IRS Direct Pay for estimated tax payments (1040-ES), and notice/letter downloads via Playwright with ID.me authentication. Also accesses EFTPS (Electronic Federal Tax Payment System) for scheduled estimated payments. Used by the tax agent for verifying prior quarterly payments and confirming payment received on the IRS transcript. Requires headless=False (ID.me MFA). Configure ID.me email and Chrome profile in vault/tax/config.md.

Pulls Profit & Loss reports, Balance Sheet, and transaction-level expense data from QuickBooks Online via Playwright with Intuit account authentication. Used by the tax agent to identify deductible business expenses by category, extract net business income for self-employment tax calculation, and produce the business income summary for the accountant package. Also used by the business agent for P&L tracking. Configure Intuit email and Chrome profile in vault/tax/config.md.

Accesses TurboTax Online for prior year return downloads (PDF), current year filing status, imported W-2 and 1099 data summary, estimated refund or amount owed, and key return metrics (AGI, effective tax rate, total deductions). Used by the tax agent for document sync (downloading completed returns), prior year AGI retrieval for safe harbor calculations, and annual review. Prior year returns are available in TurboTax for 7 years. Configure Intuit credentials and Chrome profile in vault/tax/config.md.

Projects the current quarter's estimated federal tax payment by aggregating YTD income across all sources (W-2 wages, 1099-NEC, rental, capital gains, dividends, business income), subtracting YTD withholding and prior estimated payments, and running both the safe harbor method (110% of prior year liability if AGI >$150k) and the actual current-year liability method. Returns the lower of the two as the recommended payment. Includes underpayment penalty risk if no payment is made.

Checks the expected tax document checklist for the current tax year against files actually received in vault/tax/00_current/ and flags anything expected but not yet received. Expected documents are determined from active income sources, entities, and investments configured in config.md. Document types: W-2, 1099-NEC, 1099-MISC, 1099-B, 1099-DIV, 1099-INT, 1099-R, K-1, 1098, and entity returns. Enforces consistent file naming convention across all documents.