Show prospects their real 2026 tax and health savings in 90 seconds.

No name required up front. Phone-verified CPA report when they choose to unlock. Every prospect who unlocks delivers a verified contact and their full financial picture to your CRM, before you get on the call. White‑labeled to your brand on every paid plan. Prospects see your name, not ours.

Get your calculator →


Launch the live demo


Book a 20-minute call

14-dayActivation guarantee
2026Live IRS + state math
1-lineJavaScript embed
Phone‑verifiedEvery lead, every time



▶ Try it interactively

More small business owners are looking for help with healthcare costs than ever before.

The ACA subsidy cliff is here. Millions of self-employed Americans and small business owners are watching their healthcare premiums jump in 2026. Most of them have no idea what a PEO structure could do for their personal taxes and their monthly health costs.

The brokers who win this year won’t be the ones with the prettiest website. They’ll be the ones who can answer the prospect’s real financial question, in the prospect’s own numbers, before any sales conversation happens.

Conversion in 2026 doesn’t come from more leads. It comes from removing the financial uncertainty that’s killing the leads you already have.

~4M
Americans losing
ACA subsidies in 2026
38%
Avg. ACA premium
increase, marketplace
~33M
Small businesses
in the US
< 1%
Brokers offering
real math up‑front

Every major network is telling them their costs are going up.

The ACA subsidy story has been on every newscast since December. Your prospects are searching for a solution right now. Most brokers have nothing to hand them but a “Schedule a call” button.

♪
ABCJan 5, 2026
Health insurance premiums · ACA subsidy expiration coverage

♪
CNBCFeb 24, 2026
The financial fallout of the 2026 subsidy cliff

♪
CNNJan 7, 2026
Millions face higher healthcare costs in 2026

♪
FOXDec 29, 2025
Subsidy expiration · what consumers should expect

♪
MS NOWJan 4, 2026
Healthcare premiums · small business impact

♪
NBCJan 2, 2026
Premium increases · nationwide reporting
ABC, CNBC, CNN, FOX, MS NOW, NBC. Every newsroom is doing your top-of-funnel education for you. The only question is whether the prospect lands on your site, or somebody else’s, when they go looking for the math.

Run the demo. Complete the verification. See your own data arrive.

This is the entire prospect funnel, end to end. Run the calculator with your own numbers. Verify by phone. Unlock the full report. Then use the contact form inside the unlocked report and watch your message land in our system in real time. That is how your leads will reach you.

The whole point is to feel it.

Three minutes from open to verified report. You’ll see exactly what every one of your prospects sees, what they’re asked, and what happens the moment they trust you with their phone number.

Launch the live demo →


▶
Watch the 45-second tour

• STEP 1Run the calculator. ~60 seconds.
• STEP 2Phone + TOTP verify.
• STEP 3Unlocked CPA-grade report.
• STEP 4Contact us from inside the report. See it work.

2026 IRSUpdated federal brackets, FICA & SE thresholds
50‑statePer-state effective tax rates baked in
3 PlansRepresentative high / mid / low deductible
Your ratesEdit admin fee & rate card from your portal

The actual math on what this is worth.

// based on $50/month recurring commission per placed client
How many leads do you work each month?

Your monthly commission per placed client
$
Conservative estimated annual lift
$0
Calculating…
// assumes 10% baseline close rate vs 25% close rate on pre-qualified, financially educated leads. $50/month per placed client = $600/year recurring. One closed client a month covers a year of the top tier.
Move the numbers. See it for yourself.

The full CPA-grade report. End to end.

This is the deliverable. Every prospect who phone-verifies sees the complete employer report on screen, then receives a tokenized link they can revisit. You control when that link expires. Scroll the live preview below, or let it scroll itself.

LIVE
your‑brokerage.com / report / verified

Auto-scrolling · scroll to take control
DELIVERED
On screen the moment phone is verified. Tokenized link for return visits, with expiry you control.

See it built in the live demo →

See it through their eyes.

”
What is this actually going to cost me, and how does it affect my taxes, my family, my premiums?
The first obstacle

That’s the only question in their head. Every form, every Calendly link, every “schedule a discovery call” CTA forces them to give up their information before they get an answer to it.

So they leave.

Nobody wants to commit to a form, hand over their phone number, and talk to a stranger about their business and their taxes without knowing what it’s going to cost first. They’ll do it eventually. They just don’t want to.

Our calculator inverts the deal. They get personalized 2026 math first, with pricing they can see on the screen. Then, and only then, do they verify by phone to unlock the full report. When prospects see clear pricing up front, conversion goes up. Every time.

Three steps. Zero friction at the start.

STEP 01

They run their own numbers.

No name. No phone. Just straightforward financial inputs (income, state, healthcare, employees) and an instant side-by-side they can audit themselves.

STEP 02

They see what actually matters.

Personal tax impact. Real healthcare cost. Monthly and annual numbers using your rate card, all under your logo and your accent color. The picture they came for, in 12 seconds. And it looks like your tool.

STEP 03

They unlock + verify.

Phone verification unlocks the full CPA-approved report. You receive every answer they gave plus a verified contact, in real time, optionally piped into your CRM.

Your brand. Your calculator.

PEOTools was built from the ground up to disappear behind your name. On every paid plan, your prospects see sophisticated 2026 IRS + state math under your logo, your colors, your identity. Never ours. They walk away thinking you built this.

🔒 your‑brokerage.com / calculator
[YOUR LOGO]
Your Brokerage
2026 PEO & healthcare estimator
Path A
Path B
Path C
Without PEO
$58,420
all-in 2026
With your PEO match
$42,180
save $16,240
Unlock the full CPA report  →
A service of Your Brokerage · CPA-reviewed math
No PEOTools footer on paid plans

Your logo.
Every screen.
Your accent color.
Cards. Buttons. Highlights.
Your name in the footer.
Ours nowhere.

PEOTools was built to disappear.

On every paid plan, your prospects experience the entire calculator, from the first input to the unlocked CPA-grade report, under your logo, your colors, and your name. They never see ours.

This positions you as the broker who brings clarity and sophisticated financial insight before the first conversation. Prospects associate the 2026 math with your brand, not a third-party vendor.

What actually gets branded

• The calculator interface and inputs
• The side-by-side comparison
• The unlocked CPA-grade report
• Verification screens and the tokenized report link

You hand them a calculator that looks, feels, and reads like it was built by you. That is a credibility advantage most brokers cannot match with a basic form.

Free plan
Your brand · small “Powered by” footer
Calculator and report are fully branded to you. A subtle Powered by PEOTools sits at the very bottom of the unlocked report.
Every paid plan
Zero PEOTools branding. Anywhere.
Every visible surface carries your brand alone. Calculator chrome, inputs, comparison, unlocked report, verification, and the tokenized report link. We disappear.

The Broker Portal you’ll actually use every day.

Configure your rate card. Watch verified leads arrive live. Track every funnel step from first calculator load to the moment a prospect’s phone is verified. No spreadsheets, no guesswork, no waiting on us.

01 / LEADS

Every verified lead, the moment it arrives.

Table view with filters by source (website embed, reactivation link, CPA channel), verification status, and date. One click to your CRM.

02 / DETAIL

The complete financial profile.

Income, employees, current healthcare spend, current vs PEO outcomes, plan chosen, TOTP confirmation, shareable report token. All in one view.

03 / RATE CARD

You control the pricing.

Set your three representative plans (high, medium, low deductible) and your admin fee (percent of payroll or flat per employee). Update anytime. Math reflects instantly.

04 / ANALYTICS

Funnel + per-page performance.

Loads, runs, unlocks, phone verifications, TOTP success rate, per-page conversion. Know exactly which placement and which referrer is delivering.

▶
60-second portal walkthrough · how a verified lead lands in your view

Real-time delivery. Zero friction.

Every verified lead is delivered the moment they finish TOTP. Email, text, webhook, CRM tag, portal entry. The prospect is still on the success screen when you already know they exist.

1

Prospect runs the calculator

No name. No phone. Instant side-by-side with their own 2026 numbers.

2

They unlock the full report

Phone verification with a 6-digit TOTP code. Spam-proof, ~30 seconds.

3

You’re notified instantly

Email, SMS, webhook, CRM tag “Calculator – Verified”. All at once.

4

You call within the hour

Lead’s still warm. You already have every financial answer they gave.

Email notification
New verified lead: Daniel R. Aguirre (TX)
$185,000 projected 2026 income · 3 employees · ACA marketplace
Estimated savings: $9,973 / yr
Phone verified at 2:22 PM · Open lead →
SMS
PEOTools: New verified lead in your portal. D. Aguirre, TX, $9,973 est. savings. Reply CALL to get their number now.
CRM webhook
POST → your.crm.com/hooks/peotools
tag: Calculator – Verified
source: website_embed
full payload + report_token attached

Not another lead form. Positioning.

Most of your competition still runs a 1998-grade contact form. You’ll be the broker who shows up with auditable math and pre-qualified prospects. That gap doesn’t close. It widens.

01 / EMBED

One-line embed, fully white-labeled.

Drop one line of JavaScript on WordPress, Wix, Squarespace, Webflow, or any custom site. The calculator wears your logo, your colors, your name. No PEOTools branding visible to your prospect on paid plans. It reads as part of your site, not a third-party widget.

02 / CONTEXT

Pre-qualified prospects with full financial context.

Income, state, employee count, current healthcare situation, filing status. Every input plus a phone-verified contact lands in your portal in real time. You walk into every call already knowing the numbers.

03 / WEBHOOK

Direct to your CRM.

Optional webhook delivery into HubSpot, Salesforce, GoHighLevel, Pipedrive, or any endpoint that speaks JSON. No more re-keying.

04 / BRANDING

Your pricing. Your brand. Your control.

Set admin fee (% of payroll or fixed per person), three representative plans, your logo, and your accent color. The math reflects how you place business. Every screen the prospect sees, from inputs to unlocked report, carries your identity, not ours.

05 / REACTIVATION

Reactivate old leads on their own schedule.

Drop a direct link into a re-engagement email or SMS. Old prospects run their 2026 numbers on their own time, then phone-verify back into your funnel as warm, qualified conversations.

06 / REFERRALS

Dedicated CPA / advisor pages.

Spin up white-labeled landing pages per referrer. Track which CPA sent what. Give them a real reason to send you their best clients.

A precision instrument. Not a form.

Forms collect names. Quizzes collect answers. This calculator delivers a complete, defensible financial profile of the prospect, verified by phone, in real time. You see their actual 2026 numbers before you ever pick up the phone.

Every submission is targeted, factual, and auditable. The math is real 2026 IRS and state tax math. The healthcare plans reflect rate cards you control. Nothing is generic, nothing is filler.

• Verification Phone OTP, real-time
• Delivery Webhook, JSON, CSV, CRM
• Latency Under 2 seconds
• Math source 2026 IRS + 50-state
• Auditable Every line item

POST  /your-webhook  ·  verified lead

// PEOTools, phone-verified submission
{
  "event": "calculator.unlock.verified",
  "received_at": "2026-05-13T14:22:08Z",
  "broker_id": "acme-peo-brokers",
  "lead": {
    "name":        "Daniel R. Aguirre",
    "phone":       "+1-512-555-0144",
    "phone_verified": true,
    "email":       "[email protected]",
    "state":       "TX",
    "filing_status": "single"
  },
  "financial_profile": {
    "projected_2026_income":   185000,
    "employees":               3,
    "current_premium_monthly": 1850,
    "current_coverage_type":   "aca_marketplace",
    "plan_chosen":             "mid_deductible"
  },
  "calculated_outcome": {
    "current_total_annual": 73342,
    "peo_total_annual":     63369,
    "estimated_savings":    9973
  },
  "meta": {
    "referrer":    "cpa-channel:reyes-tax",
    "page":        "/calculator",
    "report_token": "rpt_4Hk29x...QvP",
    "cpa_shareable": true
  }
}

Your current lead tools are collecting names. This one delivers financial truth.

If you’re already running a serious stack, you’re ahead of most of the market. Now look at what’s still missing from every form, funnel and quiz tool out there: the actual financial answer the prospect came for.

“You can’t possibly reduce my book to three plans.”

The honest broker objection
“Every PEO I work with has different rate cards and commission structures. How can a calculator possibly handle that?”

It doesn’t, and it shouldn’t try to. This is a top-of-funnel financial estimator, not a quoting system.

It shows three representative plans (typically high, medium, and low deductible) using averaged pricing you control. The math is driven by the prospect’s own 2026 income and your admin fee setting. It gives them a defensible picture of personal tax impact and healthcare cost without forcing them through the cognitive overload of every possible variation.

You still do the real matching work later. The calculator just makes sure the prospect arrives at that conversation already educated, already motivated, and already comparing the right things.

We actively invite brokers, and the CPAs they trust, to audit the unlocked report line by line. The math is built to be reviewed. That’s the whole point.

One tool. Three growth motions.

01

Main site conversion.

Embed it on your homepage and primary landing pages. Convert the warm traffic you’re already paying for. Stop losing it to the back button.

02

Cold pipeline reactivation.

Email or text every dead lead from the last 24 months with a direct, personalized calculator link. Watch a percentage come back qualified.

03

CPA & advisor channel.

Build white-labeled pages per CPA partner. Give them a tool worth sending business through. Track every lead back to the right referrer.

We do the heavy lifting. Live in under an hour.

You send us your typical admin fee and three plans. We do everything else. Calculator embedded on your site or a hosted landing page. Webhook wired into your CRM. First-week reactivation campaign for your old leads, optional. If you don’t have two phone-verified prospects by Day 14, your first month is free.

Live in under an hour
CRM connection included
14-day measured trial
White-glove onboarding

Claim my activation slot →

Four steps. No dev required.

You’ll spend more time answering our two onboarding questions than you will installing anything. We handle the embed, the webhook, the CRM tag, and the first-week reactivation campaign if you want it.

01

Send us your rate card.

Your typical admin fee and three representative plans. Two questions, five minutes.

You
02

We embed the script.

One line of JavaScript on your site, or a co-branded hosted landing page. Your choice.

Us
03

We wire your CRM.

Webhook configured. “Calculator Verified” tag created. Notifications routed to your inbox and phone.

Us
04

We run your reactivation.

Optional. First-week email and SMS to your top 50 dormant leads with a direct calculator link. Verified leads start coming back.

Us

What aggressive brokers are saying.

”

The first verified lead closed in nine days. The financial context made the discovery call effortless. I knew what to ask before I dialed.

Maya Reyes · PEO Broker
Austin, TX · replace with real quote
”

Reactivated forty-seven old leads with one email. Three phone-verified prospects in the pipeline within a week. The math is what changed the conversation.

Devon Halloran · CPA + PEO Channel
Denver, CO · replace with real quote

Built like the math. No surprises.

Four tiers. One free forever. Annual billing saves roughly 17%. Effectively two months free across every paid plan. The first 100 brokers get 40% off for life with code FOUNDER100 in exchange for a short video testimonial.

First 10 early adopters
White-glove setup · first-week reactivation campaign · direct line to the people building this

Apply for an early-adopter slot →


FOUNDING BROKER OFFER · First 100 only
40% off for life in exchange for a short video testimonial.
Use code FOUNDER100 at signup.

Claim founder pricing →


Monthly

Annual Save ~17% · 2 months free


Free
$0
forever · no card
 

• 25 verified leads / month
• 1 authorized domain
• All 3 calculator paths
• Phone (TOTP) verification
• Email lead delivery
• “Powered by PEOTools” footer
• Community support

Start free

Foundation
$79
/ month
14-day free trial

• 75 verified leads / month
• 3 authorized domains
• Everything in Free, plus:
• CSV export
• “Powered by” footer removed
• 90-day analytics retention
• Email support · 48h response

Start 14-day trial

Most popular
Principal
$149
/ month
 

• 250 verified leads / month
• 6 authorized domains
• Everything in Foundation, plus:
• Webhook + CRM integration
• Custom branding (colors, logo)
• Funnel analytics + goal tracking
• 12-month analytics retention
• Email + chat · 24h response

Sign up · Principal

Managing Partner
$249
/ month, billed annually
$2,988 / year · annual only

• Unlimited verified leads
• Unlimited domains
• Everything in Principal, plus:
• Full API access
• Custom analytics retention
• Dedicated account manager
• Onboarding call + quarterly review
• Email + chat + phone · 4h response

Talk to us · Sign up

All paid plans cancel anytime. Annual cadence locks in roughly two months free.
14-day free trial available on Foundation only · converts to paid billing on day 15.

Full feature comparison

Everything in every tier, laid out flat.

Built to withstand scrutiny. Built to be audited.

M

CPA-reviewed math

Every line item references real 2026 IRS and state tax rules. Auditable.

P

Phone + TOTP verification

Six-digit code. Spam-proof. Every lead is a real human with a real number.

D

Your data, your control

Export, delete, redirect anytime. No vendor lock-in. No funny business.

I

Independent of any PEO

Not affiliated. Not a referral funnel. Works for every broker, every book.

Built by operators who lived the exact problem.

PEOTools didn’t come from a marketing brainstorm. It came from small business owners who couldn’t get a straight answer on what a PEO structure would actually do to their personal taxes and healthcare costs. From the realization that most prospects walking into a broker’s website want the same thing.

The team combines deep quantitative and tax math experience, technical infrastructure, and a real understanding of how conversion works. The result is a precise, embeddable instrument for brokers who want to lead the next era of this industry, not get rolled by it.

It is not, and will never be, a quoting system or a partner-broker funnel for any specific PEO. It works for you, not against you.

Who this is built for

Independent & small-team brokers 1–10 people
Aggressive growth-mode not coasting
Multi-PEO matchmakers not partner-broker
Care about conversion care about math
Want defensible math not slick decks

Or skip the demo and talk to us.

If you’d rather skip the live demo and talk first, this form goes to the same inbox as the contact form inside the unlocked report. 20 minutes. We’ll walk you through the calculator, configure your rate card, and have your embed code in your hands.

LIVE
peotools.com / contact