Your income changes. Your plan should too.
Know what to do with your next bonus before it hits your bank account.
See what a change in income could mean for your taxes, find tax-advantaged opportunities you may be missing, then decide what to do with the money next.
Free · 2–3 minutes · no account required to see your results.
Why variable income is different
When one month can be worth three, a static plan stops being a plan.
The money arrives before the plan does
A commission clears on a Friday. By Monday it is spread across three accounts and the tax-advantaged window has quietly narrowed.
Withholding was never built for your pay
Bonuses and commissions are typically withheld at a flat supplemental rate. If your bracket is higher, every surge builds a balance you will not see until April.
Advice arrives after the year closes
Most of the useful levers close on December 31. A filing conversation in April can only describe what already happened.
How EarnSurge works
01
Take the free checkup
About two to three minutes, no account needed. You see your results before we ask for anything.
02
See what your income change may mean
Projected income, estimated federal and state tax where we can verify it, and whether you are on track.
03
Decide what to do next
Your Top 3 moves plus a recommended allocation of the next dollars, ranked by the Tax-Smart Money Order.
A worked example
Say a $20,000 commission just landed.
EarnSurge walks the Tax-Smart Money Order against your household — tax reserve, cash buffer, employer match, high-interest debt, HSA, deductible retirement, Roth or backdoor Roth, goals, and giving you already intend to make. Only the steps that apply to you appear. Illustrative figures below; your plan uses your own numbers.
Amount to place
$20,000
Set aside for taxes
$6,000
Supplemental withholding likely under-covered this at your bracket.
Capture the rest of the employer match
$1,500
Matched dollars are the highest immediate return in the list.
Finish the HSA for the year
$2,400
May reduce this year's taxable income and grow tax-free.
Add to the Traditional 401(k)
$6,000
The main lever left for lowering this year's taxable income.
Backdoor Roth, if no pre-tax IRA balance
$3,000
No deduction now; growth may be tax-free later.
Keep flexible for goals or debt
$1,100
Cash you can still reach if the next quarter runs light.
Educational planning scenario. Estimated current-year tax savings are shown separately from long-term benefits — a Roth contribution or debt payoff is never labelled a tax saving.
The Tax-Smart Money Order
Our own ordering of household priorities, weighing tax opportunity against cash stability. Steps that do not apply to you are skipped.
- 01Cover the tax on the new money
- 02Keep an essential cash buffer
- 03Capture the full employer match
- 04Knock down high-interest debt
- 05Fund the HSA if eligible
- 06Add tax-deductible retirement contributions
- 07Use Roth or backdoor Roth where eligible
- 08Fund medium-term household goals
- 09Invest or pay down remaining debt
- 10Place giving you already intend to make
Built for households whose income moves
Commission & sales professionals
Quarterly accelerators, uneven months, a Q4 that decides the year.
See how it appliesReal estate agents
Closings you cannot schedule and 1099 income that arrives in lumps.
See how it appliesRental property owners
Depreciation, passive losses and a Schedule E you only see in April.
See how it appliesCreators & self-employed
Platform payouts, no withholding, quarterly estimates to keep straight.
See how it appliesGrowing & high-income households
Phase-outs, backdoor Roth questions and a bigger bill than expected.
See how it appliesSimple pricing
Start free. Upgrade only when you want the full plan.
Free
$0
always
See where you stand.
- Free Tax Advantage Checkup
- Your opportunity count and categories
- Your #1 recommendation with why it may apply
- Household profile and basic dashboard
EarnSurge Plus
$12
per month, or $99 per year
Decide what to do all year.
- Your full Top 3 plan and every opportunity
- What-if bonus and commission scenarios
- Recommended allocation of your next $X (Tax-Smart Money Order)
- Year-round income tracking and withholding projections
- Backdoor Roth analysis and pro-rata warnings
- Tax-loss harvesting with wash-sale checks
- Rental property analysis
- Downloadable Tax Planning Summary for your CPA
The free tier does not expire and there is no trial countdown.
Questions
Take the Free Tax Advantage Checkup
Twelve to fifteen questions about how your household earns, saves and gives. You see your results immediately — how many opportunities we found and what your first move could be — before anyone asks for an email.
EarnSurge is an educational household planning tool. It is not tax-filing software and not a replacement for advice from a CPA, EA or financial professional. Estimates use published tax-year rules you can inspect, and we say “estimate unavailable” rather than guess where a state's rules are not verified.
Upgrade waitlist
The planning app is free while we build. These are the paid features under consideration — join the list and we'll ask you first.
- Multi-year projections and Roth conversion ladders
- Shared household access for both spouses
- Document vault for receipts and closing statements
- Export a year-end summary pack for your CPA
We only use your email for product updates. No payment is collected and nothing is charged.