What is TaxTools AI?
TaxTools AI is a free web-based tax calculator focused on Chinese tax residents who hold US stocks and on US household paycheck calculations across multiple income types. The page covers capital gains and dividend tax on US securities with automatic currency conversion, plus year-end bonus optimization and family tax distribution scenarios. Calculations reference 2025 brackets and include penalty and supplementary tax computation.
Why TaxTools AI works
Cross-border investors and dual-income households face tax math that spans multiple jurisdictions and filing methods, and getting it wrong means either overpaying or facing penalties. The platform centralizes the rules into automated calculators, including a dual-method comparison for year-end bonuses and household scenarios, so users see the cheaper path without hiring an accountant for what should be a math problem.
TaxTools AI features
- US stock capital gains and dividend calc. Computes capital gains, dividend tax, and automatic currency conversion for Chinese residents holding US securities.
- Year-end bonus optimization. Compares two tax methods for year-end bonuses and recommends the cheaper option, useful at year-end planning time.
- Family tax distribution scenarios. Couples can model different income splits to find the household structure that minimizes total tax.
- Penalty and supplementary tax computation. Calculates supplementary tax and late-payment penalties on US stock gains, helpful for users catching up on prior years.
- Multi-income personal tax. Supports several income types with automatic rate updates as brackets change.
Who TaxTools AI is for
- Chinese tax residents holding US stocks through brokers like Tiger and Futu who need to compute capital gains and dividend tax for annual filing.
- Dual-income couples planning year-end bonus declarations who want to test both tax-calculation methods before locking one in.
- Chinese employees with mixed income from salary, side projects, and equity grants who need to model the combined tax bill.
- Cross-border professionals catching up on prior-year US stock filings who need to estimate supplementary tax and late-payment penalties.
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