Lettuce: Free Tool

Should your creator business become an S Corp?

Earning from sponsorships, subscribers, or affiliate sales? Self-employment taxes are probably your biggest expense. See what you'd keep as an S Corp, and what you could build for in retirement with a Solo 401(k).

1Your revenue

Add every stream that applies — most creators earn from more than one.

Brand deals$0/mo
$
Paid subscribers$0/mo
$
Digital products & courses$0/mo
$
Ad revenue$0/mo
$
Active revenue-earning months
Creator income is often lumpy — brand deal seasons, launch windows, content breaks. Lower this if your revenue isn't steady all 12 months.
Total annual revenue $0

2Your expenses

What it actually costs to run the business.

Camera, lighting, props, wardrobe, studio
$
Editing tools, editor/VA, design, scheduling
$
Usually 15–20% of earnings
%
Locations, flights, meals
$
COGS on anything you sell
$

3S-Corp salary

What you'd pay yourself as a W-2 salary — the rest becomes a distribution, which isn't hit by self-employment tax.

$
Filing status & state tax
%
Est. annual tax savings as an S-Corp

$0 / year

As Sole Prop / LLC
$0
As S-Corp
$0
 
Solo 401(k) contribution room
As Sole Prop
$0
As S-Corp
$0

S-Corp employer contributions are 25% of your W-2 wages; sole prop employer contributions are limited to an effective ~20% of net self-employment earnings. Both cap at $72,000 combined for 2026.

 

See your result

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Used by creators comparing Sole Prop vs S-Corp. No spam.
Health insurance counts too. As an S-Corp owner, your premiums can run through the business and show up on your W-2 — making them deductible via the self-employed health insurance deduction on your personal return. Lettuce sets this up alongside your payroll.
Estimates only, based on 2026 IRS figures. This isn't tax advice — every creator's situation is different.

Lettuce runs the numbers — and the payroll

We set up your S-Corp, run your payroll, and handle your Solo 401(k) and health insurance, built for creator income.

See How it Works

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Specialized tax and accounting strategies for businesses-of-one.

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