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Decode

AI-powered tax return analyzer offering savings recommendations
Added:
July 2, 2025

TL;DR

  • Upload your U.S. tax return and get instant AI analysis.
  • Receive personalized, actionable tips to legally lower your tax bill.
  • Privacy-first design: no long-term storage or data sharing.
  • Ideal for freelancers, investors, and anyone who wants to stop overpaying.

What is Decode

Decode is an AI-driven tax analysis platform that lets U.S. taxpayers securely upload their completed returns (Form 1040 and schedules) and instantly receive a plain-language breakdown of income, gains, deductions, and self-employment taxes, along with individualized recommendations to reduce future tax liability. Positioned as an AI Tax Advisor, it solves the common problem of confusing, under-optimized tax filings by translating complex IRS data into clear insights and cost-saving actions.

Key Features
  • AI Tax Return Parsing – Automatically reads and extracts data from uploaded U.S. tax returns, eliminating manual spreadsheet work.
  • Personalized Savings Recommendations – Generates tailored suggestions (e.g., retirement contributions, entity structure changes) to legally reduce upcoming tax bills.
  • Comprehensive Category Breakdown – Displays income, deductions, short-/long-term gains, interest, dividends, marginal tax rates, and self-employment taxes in easy-to-scan sections.
  • Privacy & Data Control – Does not permanently store PDFs and allows users to delete 100% of their data at any moment, ensuring confidentiality.
  • Free Instant Trial – Users can test the service at no cost by uploading a return, helping them evaluate accuracy before committing.

Who is Decode for?

Decode is an AI-driven tax analysis platform that lets U.S. taxpayers securely upload their completed returns (Form 1040 and schedules) and instantly receive a plain-language breakdown of income, gains, deductions, and self-employment taxes, along with individualized recommendations to reduce future tax liability. Positioned as an AI Tax Advisor, it solves the common problem of confusing, under-optimized tax filings by translating complex IRS data into clear insights and cost-saving actions.

Key Use Cases & Applications

  • Identifying overlooked deductions for self-employed professionals.
  • Comparing tax impact of short- vs. long-term capital gains.
  • Planning quarterly estimated taxes to avoid penalties.
  • Evaluating benefits of switching to an S-Corp structure.
  • Creating a tax-efficient investment withdrawal strategy.
Pros
  • Quick, automated analysis saves hours of manual review.
  • User-friendly explanations make complex tax rules understandable.
  • Privacy-centric approach with no data retention.
  • Free trial lowers the barrier to trying the service.
Cons
  • Pricing structure not fully transparent on the site.
  • Requires completed return; cannot prepare taxes from scratch.

Pricing Info

Pricing details are not publicly listed—visit the official Decode website to explore the free option.

FAQs
Decode currently accepts standard PDF versions of U.S. federal tax returns (Form 1040 and associated schedules).
No. Decode processes your return temporarily, and you can delete 100% of your data at any time; no permanent storage or sharing occurs.
Decode provides AI-generated insights and recommendations but is intended to complement, not replace, professional tax advice from a CPA or EA.
At this time, Decode focuses on individual U.S. federal returns; support for corporate forms is on the product roadmap.
Yes, you can try Decode for free by uploading your return and receiving an initial analysis before deciding on any paid services.
Still have questions? We're here to help!
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