The Augusta Rule Explained: How to Pay Yourself Tax-Free

Author: Arnaldo León

Business owner using the Augusta Rule to save taxes

Introduction: A Tax Strategy Hidden in Plain Sight

Most business owners search for legal ways to lower their tax bill, but few know about one of the most powerful and IRS-approved tax strategies available today—The Augusta Rule. Originally created for residents of Augusta, Georgia during the Masters Tournament, this tax code now benefits millions of homeowners and entrepreneurs nationwide.

If you own a home and operate a business (LLC, S-Corp, C-Corp, or partnership), this should be part of your annual business tax planning.

What Is the Augusta Rule? (IRS Section 280A(g) Explained)

Internal Revenue Code §280A(g) — commonly known as the Augusta Rule — allows homeowners to:

  • Rent their primary residence to a business for up to 14 days per year
  • Charge fair market rent (based on local hotels, Airbnb, or event venues)
  • Receive that rental income entirely tax-free
  • Allow the business to claim a deduction for those rental payments

This creates:
✔️ Tax-free income for you
✔️ A tax deduction for your business
✔️ A legal, IRS-compliant tax strategy

This tax rule works extremely well for business owners who regularly conduct:

  • Strategic planning meetings
  • Annual retreats
  • Content creation days
  • Board meetings
  • Client events
  • Training or development workshops
  • Company dinners and team sessions

These are all legitimate business-use events supported by the IRS guidelines.

How the Augusta Rule Works — Simple Breakdown

Here is how business owners use the Augusta Rule legally:

1. Identify legitimate business events
Your business must have a valid reason to rent the space (meetings, events, planning, training, etc.).

2. Determine market-rate rent
Compare your home to available:

  • Airbnb rentals
  • Hotels
  • Local event spaces

Many homeowners charge $800–$1,200 per day depending on location.

3. Document the meeting
Keep:

  • A meeting agenda
  • The date and purpose
  • Photos or sign-in sheets
  • Comparable market rent screenshots

4. Pay yourself
Your business pays your personal account directly.
This is not payroll. Not a dividend. Not a distribution.

5. File taxes correctly
Your business deducts the rental expense, and you do NOT report it as personal income because:
✔️ The IRS excludes income from renting your residence for fewer than 15 days per year.

This is one of the cleanest legal tax strategies for small business owners.

Why This Strategy Saves So Much Tax

The Augusta Rule enables you to:

  • Reduce your business’s taxable income
  • Legally increase personal tax-free income
  • Avoid issuing a 1099
  • Avoid reporting rental income entirely
  • Maximize deductions for meetings or events already happening

If you’re in a 24%–32% tax bracket, saving $14,000 in taxable deductions is equivalent to:
💰 $3,300–$4,500 in tax savings every year

This is why the Augusta Rule is considered one of the best tax strategies for business owners.

Real Example for a Business Owner (Easy to Understand)

A business owner in Orlando uses their home for:

  • 4 quarterly board meetings
  • 4 employee training days
  • 2 marketing strategy days
  • 4 content creation days

They charge their business $1,000 per day based on comparable Airbnb rates.

Business deduction:
$1,000 × 14 days = $14,000 deduction

Personal income received:
$14,000 tax-free

Since they are in the 28% tax bracket, that’s nearly $4,000 saved in taxes, plus $14,000 in personal cash flow to redirect into wealth-building strategies.

Conclusion: A Legal and Powerful Way to Keep More of What You Earn

The Augusta Rule is one of the simplest, most effective ways for entrepreneurs to legally reduce taxes while boosting cash flow. With proper documentation and compliance, it becomes a predictable annual tax strategy that puts thousands of tax-free dollars back into your pocket.

You lower taxes today. Improve cash flow immediately. Strengthen your long-term financial foundation.

Disclaimer: The information provided in this article is for educational purposes only and does not constitute tax, legal, or accounting advice. Planwise Partners Insurance Agency and Arnaldo León are not CPAs, Enrolled Agents, or licensed tax professionals. For advice specific to your situation, please consult a qualified tax or legal expert. Planwise Partners collaborates with trusted tax and legal professionals, and we can provide an introduction upon request.

 

“A good person leaves an inheritance for their children’s children.” — Proverbs 13:22

 

At Planwise Partners, we believe wealth is more than numbers — it’s stewardship. The choices you make today are the seeds of tomorrow’s prosperity.

Share This Post

Recent Posts

Schedule a Consultation

Take control of your financial future and schedule your free consultation today.

Scroll to Top