Taxes, checked every payday

Find out now, not April.

You upload your payslips and statements. We tell you if you'll owe, how to fix it before it’s too late, and dig for every deduction. Your data, your plan.

We don’t connect to your bank. No logins to hand over, ever.

Join the waitlist Take the tour
Paycheck 14 of 26 · July 10 Example
This paycheckCurrentYear to date Gross pay$3,692$51,692 Federal tax withheld$595$8,330
Try $400, then turn on the second job.
Free loan to the IRS $3,180 refund Keep $265 more of each of your 12 remaining paychecks.
Tax paid by Dec 31
Paid Safe harbor Your tax
What else happened this year?

Single filer, $96,000 salary, 2026 federal tax. Last year's tax: $12,000. No penalty if you pay 90% of this year's tax or 100% of last year's.

Your money, your paycheck

Don't give the IRS a free loan.

A big refund is money you overpaid all year, returned with no interest. Pfifi keeps it in your paycheck and stops short of a penalty.

$120overpaid per paycheck
$3,120refund, a year later
$0interest paid to you
Your money held by the IRS, with $120 overpaid every two weeks
$0 $1k $2k $3k Jan Apr Jul Oct Jan Apr Dec 31 Refund: $3,120 your money, interest-free for the IRS

No surprise penalties

Your W-2 only covers your wages.

Interest, dividends, stock sales and side income have no tax withheld, and the IRS charges a penalty plus interest when that tax goes unpaid during the year. Pfifi counts every taxable dollar on your statements, not just your paycheck, so you pay on time.

Your 2026 incomeExample
Wages$96,000Withheld
Savings interest$1,800Not withheld
Dividends$2,310Not withheld
Stock sales$4,000Not withheld
Side income$8,000Not withheld
Tax nobody withheld$4,130
Add $345 per paycheck for the 12 left, or pay it as estimated tax, and you owe no penalty or interest.

Who it's for

Simple when your taxes are. Thorough when they aren't.

Most years

W-2

Your paycheck

Every payslip updates your estimate.

Payslips 1099-INT

Bank interest

Counted before the form arrives.

Interest & dividends 1099-DIV

Dividends

Qualified ones taxed at the lower rate.

Interest & dividends 1099-B

Stock sales

Every lot tracked and checked.

Stock sales 401(k) · IRA

Retirement accounts

Limits, pro rata and backdoor Roths.

Retirement 1098

Your home

Mortgage interest and property tax.

Home & property

When it gets complicated

  • RSUs and ESPP

    Fixes the $0 basis that gets you taxed twice.

  • Wash sales

    Checked across all your accounts, IRAs included.

  • More than one state

    Part-year and nonresident returns.

  • K-1s

    Every box routed, basis carried forward.

  • Carryovers

    Losses and credits picked up from prior years.

  • Foreign tax credit

    Fund and dividend foreign tax, claimed.

  • Side business

    Schedule C, home office, depreciation.

  • Rentals

    Schedule E, passive losses, real estate pros.

  • Amended returns

    Find refunds in the last three years.

Take the tour

How it works

Upload once. Know all year.

  1. Upload

    Payslips and statements. No bank logins.

  2. See your number

    Federal and state, with the source of every figure.

  3. Fix it early

    The W-4 change that closes the gap.

Always up to date

The tax code changes. Your estimate keeps up.

Pfifi updates with the tax code and the IRS forms, and tells you when a change in the middle of the year affects your taxes.

AlertsExample
  • Finch spotted a new deduction for overtime payJul 7

    A new law lets you deduct part of your overtime pay. From your payslips, about $2,140 qualifies this year.

    Estimate updated: refund up $470
  • 2026 brackets and standard deductionJan 2

    Applied to your estimate and your withholding check.

  • Final 2026 forms are inJan 20

    Your return now uses the IRS's final Form 1040 and schedules.

Your CPA

Bring your CPA, free.

Pfifi isn't a CPA. If you work with one, invite them at no cost. They see what you see and can step in where it matters.

  • Notes on any figureQuestions and advice sit right next to the number.
  • Overrides when neededYour CPA can change a figure, with a reason you can see.
  • Nothing hiddenEvery change shows who made it, and the original is kept.
Qualified dividendsForm 1040 · line 3a · Example
From your 1099-DIV$1,960
Used on your return$1,820
Two of these dividends didn't meet the 61-day holding period, so they're taxed as ordinary dividends.
Jordan Lee, CPA · overridden Mar 3
The original $1,960 is kept with the note, so you can see exactly what changed.

Your AI agent

Bring your AI agent, too.

Connect the AI assistant you already use, or any AI assistant that supports MCP, and let it check everything over. Because we never connect to your bank, an agent can only see what you’ve uploaded, and only the parts you allow.

  • One source of truthYour data lives in Pfifi, not in an agent’s memory. Switch agents any time, or use several at once: they all read the same numbers, and nothing is lost when you change.
  • You set the permissionsRead your estimate only, read everything, or leave notes. Advanced Fine-grained OAuth roles, one per agent.
  • Nothing changes without youAgents suggest; you approve. Every change shows who made it.
  • Revoke any timeOne click and the agent’s access ends.
Connected agentsExample

Your assistant wants to connect

  • Read your tax estimate and withholding
  • Leave notes on figures
  • See your documents
  • Change anything
AllowCancel
  • Your AI assistant Reviewer: reads everything, leaves notesRevoke
  • Your own agent Any MCP-compatible assistantRevoke

Plan for FI

Financial independence, step by step.

FI means having enough saved and invested that work becomes optional. Pfifi helps you find your number, see how close you are, and get there sooner, because taxes are often your biggest bill.

  1. Know your numberAbout 25 times what you spend in a year.
  2. See your progressEvery account in one place, all year.
  3. Get there soonerEvery tax dollar you keep moves your FI date closer.
Try it on the What-ifs page
Your FI planExample
Your FI number$1,500,000
Invested today$465,000
31% of the way25 × $60,000 a year
At your savings rate you reach FI at 52. This year’s tax savings moved it 4 months sooner.

At your life expectancy of 90, you’ll leave about $1.9 million in today’s dollars to your heirs, including $610,000 of investment gains that will never be taxed, thanks to the stepped-up cost basis. Your estate tax is estimated at $0, well under the $15 million federal exemption.

Join the waitlist

We're inviting people in small groups.

Upload your documents after you join to go first, with your first year free.

Questions

Good to know

What does it cost?

Free for your first year if you share a document. Pricing comes before any paid year, and nothing renews on its own.

Does it file my return?

Pfifi prepares your complete return, ready to sign and mail. E-filing is on the way.

Is Pfifi a CPA?

No. Pfifi is organizational software and doesn't give tax advice. If you have a CPA, invite them for free. They can leave notes on any figure and override it when needed.

Can AI agents see my data?

Only the agents you connect, only what you allow, and only until you revoke them. They never reach your bank, because we don’t connect to it.

Do you connect to my bank?

No. You upload documents yourself, so there are no bank logins to share and nothing reaching into your accounts. You can export or delete everything.

Which states?

Federal for everyone, California first. Your answers set the order we add more states.