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The Cash Navigator
Tax Strategy10 min read • June 2026

LLC vs. S-Corp vs. C-Corp: Which Entity Saves You the Most Tax?

Your business structure is one of the biggest tax decisions you will make. Here is a plain-English breakdown of how each entity is taxed — and when to switch.

LLC (Single-Member)

Solopreneurs and early-stage businesses under $50K net profit

Tax Type

Pass-through (Schedule C)

SE Tax

Yes — 15.3% on all net profit

Corp Tax

None

Pros

Simplest to set up and maintain
No separate business tax return
Flexible profit distribution

Cons

Full SE tax on all profits
No ability to split salary vs. distributions
Less credibility with investors

S-Corporation

Profitable businesses with $50K+ net profit who want to reduce SE tax

Tax Type

Pass-through (Form 1120-S)

SE Tax

Only on reasonable salary

Corp Tax

None

Pros

SE tax only on salary, not distributions
Can save $5K–$20K+ in taxes annually
Pass-through taxation

Cons

Must pay yourself a "reasonable salary"
More complex — payroll required
Restrictions on shareholders

C-Corporation

Startups seeking VC funding or businesses retaining large profits

Tax Type

Corporate tax (Form 1120)

SE Tax

No SE tax

Corp Tax

21% flat corporate rate

Pros

Best for raising venture capital
Unlimited shareholders
Can retain earnings at 21% rate

Cons

Double taxation on dividends
Most complex structure
Not ideal for most small businesses