Contribute to a 401(k), 403(b), or traditional IRA
Use a Health Savings Account (HSA)
Maximize pre-tax payroll deductions
Contribute to a Flexible Spending Account (FSA)
Itemize deductions if they exceed the standard deduction
Deduct mortgage interest if eligible
Deduct state and local taxes within IRS limits
Deduct charitable contributions if eligible
Claim eligible business expenses
Use self-employed retirement plans such as SEP IRA, SIMPLE IRA, or Solo 401(k)
Deduct half of self-employment tax if eligible
Deduct health insurance premiums if self-employed and eligible
Harvest capital losses to offset capital gains
Defer income to a later tax year if possible
Accelerate deductible expenses into the current tax year if beneficial
Use tax credits where available
Claim education-related deductions or credits if eligible
Claim child and dependent care benefits if eligible
Use tax-advantaged accounts for dependent care or education
Review eligibility for above-the-line deductions
Keep accurate records of deductible expenses