Estimate accountable-plan reimbursements
estimate_accountable_planUse this when an S-corp or C-corp owner asks how an accountable plan handles substantiated home-office, mileage, cell-phone, or other out-of-pocket business expenses. Estimates the reimbursement and tax effect, applies the two separate 2026 mileage rates by date, and explains the three requirements: business connection, substantiation, and return of excess.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| business_miles | No | Business miles driven in your personal vehicle. For 2026, also identify whether the miles were before July 1, on or after July 1, or span both periods because the IRS changed the rate midyear. | |
| cell_internet_usd | No | Annual business-use portion of your cell phone and home internet. | |
| marginal_tax_rate_pct | No | Your combined marginal tax rate as a percent (e.g. 24, or 33 to include state). Used to estimate the tax saving. Defaults to 22. | |
| business_mileage_period | No | When the business miles occurred. Defaults to mixed_or_unknown, which returns a reimbursement range rather than inventing a single rate. For miles in both 2026 periods, call the tool once per period and add the results. | |
| home_office_expense_usd | No | Annual business-use portion of your home costs (rent/mortgage interest, utilities, insurance x business-use %). If you only know square footage, use the simplified method: $5/sq ft up to 300 sq ft = $1,500 max. | |
| other_business_expense_usd | No | Other out-of-pocket business expenses you personally paid (supplies, travel, professional dues, etc.). |
Output Schema
| Name | Required | Description | Default |
|---|---|---|---|
| relay | Yes | Instruction to the calling assistant: relay figures and dates verbatim (identical on every response). | |
| next_step | Yes | A single review link appropriate to this server surface. | |
| disclaimer | Yes | General-information disclaimer (identical on every response). | |
| source_url | Yes | The arcandledger.com page that backs this answer. | |
| server_version | No | Server release that produced this response (matches GET /version). |