Pittsburgh Tax-Saving Tips for 2025
A Year-End Tax Planning Guide from Pittsburgh Logos Tax and Business Solutions
November 2025
As the end of the year approaches, now is the best time to take control of your taxes. With the right planning, you can reduce your tax bill, improve cash flow, and start 2026 in a stronger financial position.
At Pittsburgh Logos Tax and Business Solutions, we help Pittsburgh small business owners, self-employed professionals, and families make smart, IRS-approved tax decisions all year long—not just at filing time.
Below are practical year-end tax planning tips for Pittsburgh taxpayers to consider before December 31, 2025.
1. Year-End Business Tax Deductions for Pittsburgh Small Businesses
If you own a business in Pittsburgh or Allegheny County, timing your expenses correctly can lower your 2025 tax bill.
Prepay Business Expenses Before December 31
Cash-basis businesses can often deduct certain expenses paid in advance, including:
Office rent
Business insurance
Equipment leases
Prepaying expenses is a common Pittsburgh small business tax strategy we review with our clients every year.
Delay Invoicing Until January
If your cash flow allows, waiting until January to bill clients can move income into 2026 and reduce 2025 taxable income.
Buy Equipment Before Year-End
Purchasing computers, office furniture, or tools before December 31 may qualify for:
Section 179 expensing
Bonus depreciation
These deductions are especially helpful for contractors, consultants, and service businesses in Pittsburgh.
Use Business Credit Cards
Business purchases charged in December count as 2025 deductions—even if the bill is paid in January.
2. Retirement Planning Strategies for Pittsburgh Business Owners
Retirement contributions are one of the most powerful tools for reducing taxes.
Solo 401(k) Plans
Self-employed individuals and single-owner businesses in Pittsburgh may benefit from a Solo 401(k).
2025 contribution limits include:
Up to $23,500 if under 50
Higher limits if age 50 or older
At Pittsburgh Logos Tax and Business Solutions, we help business owners decide which retirement plan fits their tax situation best.
Retirement Tax Credits
You may qualify for valuable tax credits when starting or contributing to a retirement plan. These credits reduce taxes dollar-for-dollar.
3. Business Vehicle Tax Deductions in Pittsburgh
Heavy SUVs, Trucks, and Vans
Vehicles over 6,000 pounds used primarily for business may qualify for large first-year deductions.
Standard Vehicles
Cars and lighter SUVs still offer deductions but with limits.
To qualify for 2025 deductions, the vehicle must be purchased and placed in service before December 31.
4. Crypto Tax Planning for Pittsburgh Investors
If you traded cryptocurrency in 2025, year-end planning is essential.
Sell losing assets to offset gains
Sell gains now if you expect higher income in 2026
Donate appreciated crypto to charity
Crypto tax rules are different from stocks, and mistakes can be costly.
5. Stock Tax Planning Before Year-End
Smart investment moves can reduce your tax bill:
Offset gains with losses
Avoid wash-sale rules
Donate appreciated stock instead of cash
These strategies are often used by higher-income Pittsburgh taxpayers.
6. Health Insurance Tax Deductions for Pittsburgh Small Businesses
Health Reimbursement Arrangements (HRAs)
Small businesses may deduct medical costs through:
QSEHRA
ICHRA
S Corporation Health Insurance Rules
S-Corp owners must follow specific rules for health insurance deductions. This is an area we frequently review at Pittsburgh Logos Tax and Business Solutions.
7. Family Tax Strategies That Save Money
Hiring Your Children
Paying your child for real work in your business can:
Create a business deduction
Avoid payroll taxes
Provide tax-free income for your child
Marriage and Filing Status
Your marital status on December 31 determines your filing status for the entire year.
8. Section 199A Deduction for Pittsburgh Business Owners
Many pass-through businesses qualify for the 20% Qualified Business Income deduction.
Income limits apply, but deductions like:
Equipment purchases
Retirement contributions
Charitable giving
may help you qualify.
9. Pittsburgh Year-End Tax Planning Checklist
Before December 31, review:
Business expenses and prepaid deductions
Equipment and vehicle purchases
Retirement contributions
Stock and crypto gains or losses
Health insurance reimbursements
Payroll for family members
Work with a Local Pittsburgh Tax Professional
Tax laws are complex, and the best strategies depend on your income, business type, and goals.
At Pittsburgh Logos Tax and Business Solutions, we provide:
Pittsburgh tax preparation
Small business tax planning
Year-end tax strategy reviews
Ongoing business advisory support
If you’re looking for a trusted Pittsburgh tax preparer, now is the time to plan—before the year ends.
Ready to Plan Your Taxes?
Pittsburgh Logos Tax and Business Solutions proudly serves Pittsburgh and the surrounding communities with personalized tax and business services.
Local. Reliable. Proactive tax planning for Pittsburgh businesses and families.