Tax Document Organizer & Deduction Finder

# Tax Document Organizer & Deduction Finder

Organize your tax documents, identify eligible deductions, and generate a prep package for your accountant or tax software.

## When to Use

- "Help me organize my tax documents"
- "What deductions can I claim as a freelancer?"
- "Create a tax prep checklist for 2025"

## Requirements

- **Brave Search MCP** for current tax rules and deduction limits
- **python3** for calculations

## Workflow

### Step 1 — Determine Filing Profile

Collect:
- **Filing status** (single, married filing jointly, head of household)
- **Employment type** (W-2 employee, 1099 freelancer, business owner, mix)
- **State** (for state-specific deductions)
- **Major life events** (home purchase, marriage, baby, job change)
- **Income sources** (salary, freelance, investments, rental)

### Step 2 — Research Current Deductions

```
brave_web_search: "tax deductions {FILING_STATUS} {EMPLOYMENT_TYPE} {TAX_YEAR}"
brave_web_search: "{STATE} state tax deductions {TAX_YEAR}"
brave_web_search: "standard deduction vs itemized {TAX_YEAR} amounts"
brave_web_search: "self-employed tax deductions {TAX_YEAR} home office"
```

### Step 3 — Generate Document Checklist

Based on filing profile:

```markdown
# Tax Prep Checklist — {TAX_YEAR}
Filing as: {STATUS} | Type: {EMPLOYMENT_TYPE} | State: {STATE}

## 📄 Required Documents
### Income
- [ ] W-2 forms (from each employer)
- [ ] 1099-NEC (freelance/contract income)
- [ ] 1099-INT (bank interest)
- [ ] 1099-DIV (dividends)
- [ ] 1099-B (stock/crypto sales)
- [ ] K-1 (partnership/S-corp income)
- [ ] Rental income records

### Deductions
- [ ] Mortgage interest statement (1098)
- [ ] Property tax receipts
- [ ] State/local tax payments
- [ ] Charitable donation receipts (cash + non-cash)
- [ ] Medical expense receipts (if > 7.5% AGI)
- [ ] Student loan interest (1098-E)

### Self-Employed (if applicable)
- [ ] Business income/expense records
- [ ] Home office measurements (sq ft)
- [ ] Vehicle mileage log
- [ ] Health insurance premiums (1095-A)
- [ ] Retirement contributions (SEP-IRA, Solo 401k)
- [ ] Business equipment receipts

### Credits
- [ ] Child/dependent info (SSN, DOB)
- [ ] Childcare expenses (provider EIN)
- [ ] Education expenses (1098-T)
- [ ] Energy efficiency improvements
```

### Step 4 — Calculate Deduction Estimates

```bash
python3 << 'PYEOF'
standard_deduction = {STANDARD_DEDUCTION}  # e.g., 15700 for single 2025

itemized = {
    "Mortgage interest": 0,
    "State/local taxes (max $10k)": 0,
    "Charitable donations": 0,
    "Medical (above 7.5% AGI)": 0,
}

total_itemized = sum(itemized.values())

print(f"Standard deduction: ${standard_deduction:,}")
print(f"Itemized total: ${total_itemized:,}")
print(f"Recommendation: {'Itemize' if total_itemized > standard_deduction else 'Take standard deduction'}")
print(f"Tax savings: ${max(total_itemized, standard_deduction) * 0.22:,.0f} (est. at 22% bracket)")
PYEOF
```

### Step 5 — Save Tax Prep Package

```bash
mkdir -p outputs/finance/tax-{YEAR}
cat > "outputs/finance/tax-{YEAR}/prep-summary.md" << 'EOF'
{TAX_SUMMARY}
EOF
```

## Important Rules

- **Not tax advice** — always recommend consulting a CPA/tax professional
- Use Brave Search for current year limits and thresholds (they change annually)
- Never ask for SSN, EIN, or other sensitive identifiers
- Flag potential audit triggers (unusual deductions, large charitable gifts)

## Example Prompts

- "Create a tax prep checklist for my 2025 taxes — I'm a freelancer in California"
- "What deductions can I take for a home office?"
- "Should I itemize or take the standard deduction?"