The financial engine behind every serious PEO decision
Your next client is asking AI what a PEO does to their taxes. It's answering without you.
Owners research on AI and Google before they call anyone, and the first thing they want is a number. The engine puts a real one on your site, under your brand: a sourced report showing what a PEO structure does to their taxes, against their real costs. You become the broker with the answer.
Their numbers
2026 outcome, side by side
No account needed. The full report goes to your broker.
What changed in 2026
The funnel that worked for twenty years is the thing losing you deals now.
For two decades, broker conversion was a contact form, a calendar link, and a discovery call. That funnel assumes the prospect will trade their information for a conversation. In 2026 they won't. They open an AI tool or a search bar, ask what a PEO would actually do for them, and expect a number back. When your site has nothing to give them but a form, they read the silence as their answer and leave.
This is not a lead-volume problem. It is an answer-delivery problem. And it is happening earlier in the journey than most brokers realize, before the prospect ever lands on your site.
Business buyers now name AI or conversational search as a more meaningful source than any other, outranking vendor sites, product experts, and sales reps.
Use AI to compare vendors against each other, and to build their internal case, before they ever contact a vendor.
Now use AI somewhere in their buying process. It is no longer an early-adopter habit. It is how buying works.
Forrester, State of Business Buying 2026 (Buyers' Journey Survey)
You already know how this feels, because you do it too. When you shop a vendor, a tool, a service, you want the price before you spend an hour on a call. You of all people know which PEOs lock a client in, which ones nickel-and-dime, which ones make demands that cost the owner later. You would never engage a vendor who hid the number and forced a meeting first.
Your prospects are now exactly that sophisticated. The engine gives them what you would want: the real math first, on their own numbers, before anyone asks them to talk.
Buyers now form their view before they ever reach you. The engine is how you put a real answer in front of them at that moment, on their own numbers. What that answer is worth to your book is a figure you can run yourself.
Your numbers, in three minutes.
Enter your details below. Every figure in the result cites its source.
Every PEO decision starts with the same unanswered question.
What does moving health premiums from post-tax to pre-tax actually do to this owner's tax picture, in their state, in their entity structure? Business owners, CPAs, brokers, and advisors all eventually need the same answer.
Generic calculators use industry averages. Broker estimates are optimized for enrollment. CPAs do it by hand in thirty minutes, if they do it at all. This engine does it in three minutes, with every rate cited.
If the math does not support a PEO, the engine says so. That is what makes it credible.
What goes into the math.
Eight inputs, computed against current federal and state law, for the specific owner in front of you.
Six different people. One engine.
PEO Broker
You send prospects a link. They enter their numbers. You get a phone-verified lead who already understands the financial case, with no discovery call needed to establish value.
Broker plans →CPA / Tax Professional
Your client asks about a PEO. You run their numbers in the meeting and hand them a sourced, line-item document with your firm name in the header. The conversation moves forward instead of stalling.
Professional plans →Business Owner
You're considering a PEO but not ready to talk to a broker. You enter your own numbers, see your picture privately, and decide whether the math works before any sales conversation.
Run your numbers →Fractional CFO / Advisor
Annual review, one more optimization to scan for, two minutes per client. If the delta is meaningful the conversation starts itself. If not, you move on. Either way it's documented.
Professional plans →Bookkeeper
You see the health insurance premium line every month. Now you can surface what it means for your client's tax picture without doing the math yourself or overstepping your scope.
Professional plans →PEO Sales Team
Your rep runs the prospect's numbers live in the discovery call. The output is sourced and auditable, so the prospect's CFO can verify it. The conversation starts at a higher level than any generic estimate.
Platform plans →What the report looks like.
A complete sample for a fictional S-Corp owner in Georgia. Every number is real. Every rate is sourced. This is exactly what gets produced.
| Line item | Current (post-tax) | With PEO (pre-tax) | Change |
|---|---|---|---|
| Owner W-2 salary | $120,000 | $120,000 | — |
| Annual health premium | $18,400 | $18,400 | — |
| Premium tax treatment | Post-tax | Pre-tax (§125) | — |
| Federal taxable income | $120,000 | $101,600 | −$18,400 |
| Federal income tax | $17,128 | $13,080 | −$4,048 |
| Georgia state tax (5.39%) | $6,468 | $5,476 | −$992 |
| FICA on salary | $9,180 | $9,180 | — |
| Total tax | $32,776 | $27,736 | −$5,040 |
Scope: this report covers federal income tax, Georgia state income tax, FICA, and Section 125 premium treatment for the owner. It does not include workers compensation, SUTA, PEO administrative fees, or co-employment liability, which require a formal proposal. Rates: IRS Rev. Proc. 2025-32 (TY2026 brackets); Georgia DOR 2026 rate schedule.
Three ways to access the engine.
Every plan is free to try. You pay when the engine produces something useful to you.
Why cited sources matter in a tax tool.
Every PEO savings estimate on the internet uses industry averages. The gap between an average-based estimate and an entity-specific calculation for a specific owner in a specific state can run into thousands of dollars.
A CPA reviewing a PEO decision needs to see the rate source, not just the number. A number without a source is an opinion. Every figure this engine produces shows where its rate came from.
The engine was built to be audited. That is not a marketing claim, it is a design requirement. If the math does not hold up under CPA review, the tool fails its primary purpose.
Rate sources — TY2026Federal brackets · IRS Rev. Proc. 2025-32
State rates · each state’s Department of Revenue 2026 schedule
FICA · SSA 2026 wage base
Updated every tax year. Each report cites the exact source per line.
Before you use this.
The engine as conversion infrastructure.
Warm demand dies against a contact form. This inverts the order: math first, contact information second.
Understand the math before you use the tool.
The math is already running. See your number.
No broker call required. No sales pitch. Just your numbers.