Tax Deductible Expense Screener

Paste expenses and an AI model in your browser flags ones to ask a tax pro about and records to keep.

Private, no signup.

Not tax advice.

Last updatedHow we build & check our tools
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Interactive Tool

This tool runs in your browser and is loading now.

Enter your values once it appears to see your results.

How Tax Deductible Expense Screener works

Press Load model once: your browser downloads Gemma 4 E2B instruction-tuned (web build) (2.0 GB) from this site and keeps it in its cache. Then add your text and press Analyze locally. The model runs on this device using your graphics card, so nothing you enter is sent to a server. Until the model is loaded, or if your device cannot run it, the tool falls back to a simple keyword check and labels the result as the fallback.

Gemma 4 E2B instruction-tuned (web build) is a small open language model from Google. The tool sends it the instruction below plus your text, asks for a JSON answer with fixed fields, and shows each field as a card. It runs at temperature 0, so the same input gives the same answer on the same device, though different graphics cards can word it slightly differently.

Inputs longer than 6,000 characters are cut to that length before they reach the model, and the result says so. The model only sees what you paste: it does not look anything up.

The instruction the model gets

You screen a list of expenses and flag which ones are worth asking a tax professional about, using general US rules of thumb: business, freelance and self-employment costs, home office use, charitable gifts, medical costs and education often matter; personal costs and commuting to a regular W-2 job usually do not. For each expense say Worth asking about, Usually not deductible, or Depends on details, with the reason in a few words. Copy amounts and any business-use percentage exactly as written, and never compute the deductible amount or the tax saved. You are not giving tax advice and must not say an expense is definitely deductible; the person should confirm with a tax professional or official guidance.

What it returns

  • Screen per expense: One entry per expense, written exactly as 'expense → Worth asking about / Usually not deductible / Depends on details: reason'.
  • Records to keep: Receipts, logs or notes that would back up the flagged expenses.
  • Questions for your tax preparer: Two or three questions to bring to a tax professional.

Worked example

The model's output for the built-in sample, recorded on a desktop browser. Your run may word things slightly differently.

Expense notes: $420 home office chair, $68 client lunch, $1,200 laptop used 70% for freelance work, $39 parking for W-2 job commute, $240 tax prep software.
Screen per expense
home office chair → Worth asking about: Home office use deduction depends on business use percentage. client lunch → Depends on details: Depends on whether it is a business expense. laptop used 70% for freelance work → Worth asking about: Business use percentage is key for deduction. parking for W-2 job commute → Usually not deductible: Commuting to a regular W-2 job is generally personal. tax prep software → Worth asking about: Software used for business purposes may be deductible.
Records to keep
Receipts for home office chair. Records showing business use percentage for the laptop. Receipts for client lunches.
Questions for your tax preparer
What is the appropriate business use percentage for the laptop? Are client lunches deductible for this freelance work? What documentation is needed for the home office chair expense?

The model

The files are served from this site, versioned so a cached copy is never stale. Nothing is fetched from a third party while you use the tool.

ModelDownloadRuns onLicence
Gemma 4 E2B instruction-tuned (web build)2.0 GBGraphics card (WebGPU)Apache-2.0

Limitations

  • Small language models make mistakes: they can miss an item, merge two, or state something more confidently than the text supports. Check the result against your input before you rely on it.
  • It needs WebGPU and about 8 GB of memory, so it is offered on desktops and laptops, not on phones and tablets. Devices that cannot run it get the keyword fallback, clearly labelled.
  • Results describe the input you gave, not the real-world situation behind it. Review them yourself before acting.
  • This is not financial, tax or legal advice. Confirm anything important against your own records and with a qualified professional.
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Frequently Asked Questions

Common questions about the Tax Deductible Expense Screener

No. The model files download from this site once, and then everything runs in your browser tab. The text you enter is never sent to a server, and closing the tab discards it.
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Sources & References

Federal Reserve Survey of Consumer Finances

The most authoritative source for U.S. household net worth data. Conducted every 3 years with ~6,000 families.

Average vs. Median Net Worth by Age (2022 Data)

• Under 35: Median $39,040 | Average $183,500
• 35-44: Median $135,600 | Average $549,600
• 45-54: Median $246,700 | Average $975,800
• 55-64: Median $364,270 | Average $1,566,900
• 65-74: Median $409,900 | Average $1,794,600
• 75+: Median $335,600 | Average $1,624,100

Why Average is Higher Than Median

Median represents the middle household (50th percentile). Average is skewed higher by ultra-wealthy households. Median is a better benchmark for typical American households.

Net Worth by Income Percentile (2022)

• Bottom 50%: Median $27,970 (2.6% of total wealth)
• 50-90th percentile: Median $379,700 (36.5% of total wealth)
• 90-99th percentile: Median $2,265,000 (36.6% of total wealth)
• Top 1%: Median $16,740,000 (24.3% of total wealth)

Components of Net Worth

Net worth = Total Assets - Total Liabilities

Assets include: Home equity, retirement accounts (401k, IRA), investment accounts, vehicles, cash/savings

Liabilities include: Mortgage, student loans, credit cards, auto loans, personal loans

Millionaire Statistics (U.S.)

• ~14.6 million millionaire households in U.S. (2024)
• Represents ~10.8% of all U.S. households
• Average age of first-time millionaire: 59 years old

Tip

Focus on your personal financial goals rather than comparisons. These benchmarks provide context, not targets. Your ideal net worth depends on your age, income, goals, and lifestyle.