Year-End Tax Planning: Can You Deduct a Sauna or Cold Plunge

By Sarah Chen, MS, CSCS, Wellness Equipment Specialist | Last Updated: February 2026 | Reviewed by Dr. Michael Torres, MD, CAQSM

This guide covers everything you need to know about year-end tax planning — can you deduct a sauna or cold plunge. Whether you are a beginner or an experienced cold plunge user, you will find practical, evidence-based information to help you make informed decisions.

TL;DR — Key Takeaways

• Key facts and figures about year end tax planning deduct sauna cold plunge
• Expert-verified information from our team of specialists
• Practical steps you can take based on the information in this guide
• Common misconceptions addressed with scientific evidence
• Recommended resources and next steps for further learning

What You Need to Know About Year-End Tax Planning

Understanding year end tax planning deduct sauna cold plunge starts with separating fact from marketing hype. Cold water immersion has genuine, measurable physiological effects — but the wellness industry has also made claims that outpace the current evidence.

The key principles to understand:

1. The dose-response relationship: How much benefit you get depends on temperature, duration, frequency, and consistency. More is not always better — there is an optimal range for each variable.

2. Individual variation matters: Your response to cold plunge practice depends on your genetics, baseline health, fitness level, and adaptation state. What works for someone else may not be optimal for you.

3. Consistency beats intensity: A moderate, sustainable practice performed regularly will always outperform occasional extreme sessions. Build habits, not stunts.

4. Safety is non-negotiable: Cold shock can be dangerous — it causes an involuntary gasp reflex, rapid heart rate increase, and blood pressure spike. Never practice alone as a beginner.

A Practical Guide to Year-End Tax Planning

Getting Started

Begin with cold showers (30-60 seconds of cold water at the end of a warm shower) to test your cold tolerance and gauge your body’s response. If you tolerate this well for 2 weeks, you are ready for dedicated cold water immersion.

Building Your Practice

• Week 1-2: 60-65°F for 30-60 seconds, 3x/week
• Week 3-4: 55-60°F for 1-2 minutes, 4-5x/week
• Week 5+: 50-55°F for 2-3 minutes, daily

Optimizing Your Results

1. Track your response — keep a journal of session details and how you feel afterward
2. Time your sessions strategically — morning for energy and focus, avoid 4 hours before bed
3. Stay consistent — the biggest factor in long-term results is regular practice
4. Listen to your body — adjust based on how you feel, not what social media says you should do

Equipment and Cost Considerations

Budget Options (Under $2,000)

The Ice Barrel 400 ($1,299) is the standout in this price range. It provides an 80-gallon barrel-style vessel with good insulation but no chiller. You will need to add ice manually for each session.

Mid-Range Options ($4,000-$6,000)

The Plunge Classic ($4,990), Cold Life Pro ($5,990), and Sun Home ($5,990) all include integrated chillers. The Cold Life Pro offers the best warranty (3 years), while the Sun Home uniquely provides both hot and cold capability (37-185°F).

Premium Options ($7,000+)

The Morozko Forge ($10,900) is the gold standard — 1.5HP commercial chiller, stainless steel construction, 110-gallon capacity, reaches 32°F, and carries a 5-year warranty. This is the buy-once option for serious practitioners.

Recommended Equipment

Budget Pick: Ice Barrel 400 ($1,299) - Capacity: 80 gallons - Temperature Range: Ambient (no chiller)°F - Chiller: None (manual ice required) - Power: None - Material: Rotomolded polyethylene - Warranty: 2 years - Best For: Budget-conscious buyers who don’t mind adding ice

Best Value: Cold Life Pro ($5,990) - Capacity: 95 gallons - Temperature Range: 39-102°F - Chiller: Integrated 1.0HP - Power: 110V standard outlet - Material: Fiberglass composite - Warranty: 3 years - Best For: Value-focused buyers who want premium performance

Premium Choice: Morozko Forge ($10,900) - Capacity: 110 gallons - Temperature Range: 32-104°F - Chiller: Commercial 1.5HP - Power: 220V dedicated circuit - Material: Stainless steel - Warranty: 5 years - Best For: Performance enthusiasts who want the absolute best

Frequently Asked Questions

How long should you stay in a cold plunge?

Most research showing meaningful benefits uses durations of 1-5 minutes at 50-59°F. For beginners, 30-60 seconds is sufficient to trigger the cold shock response and begin adaptation. There is no evidence that sessions beyond 5 minutes provide additional health benefits, and longer immersions increase hypothermia risk. Quality of exposure (proper temperature, controlled breathing) matters more than duration.

Should I take a hot shower after cold plunging?

No — at least not immediately. The natural rewarming process after cold immersion is when much of the metabolic and circulatory benefit occurs. Taking a hot shower immediately after short-circuits this process. Allow your body to warm itself naturally for 15-20 minutes. Gentle movement (walking, light stretching) supports the rewarming process. After 20+ minutes, a warm (not hot) shower is fine.

What temperature should a cold plunge be?

Research supports 50-59°F (10-15°C) for optimal physiological benefits. This range produces significant norepinephrine (up to 530%) and dopamine (up to 250%) elevation while remaining safe for regular practice. Going colder increases risk without proportional benefit for most people. Beginners should start at 60-65°F and work down gradually over several weeks.

Can cold plunging help with tax season?

The connection between cold plunging and tax season is based on the physiological responses cold immersion triggers — including neurotransmitter modulation, inflammatory pathway changes, and autonomic nervous system training. While the mechanistic rationale is strong, direct clinical trials on cold plunging specifically for tax season are limited. It should be viewed as a potential complementary practice, not a replacement for established medical treatments.

Is cold plunging safe?

Cold plunging is generally safe for healthy individuals who follow progressive protocols. However, cold shock produces immediate cardiovascular stress — vasoconstriction, elevated heart rate, and blood pressure spikes. People with cardiovascular disease, Raynaud’s disease, cold urticaria, or uncontrolled epilepsy should avoid cold immersion. Always consult your physician before starting, especially if you take medications that affect heart rate or blood pressure.

How often should you cold plunge?

For sustained physiological adaptations, daily practice produces the best results. Research on cold adaptation shows that regular exposure maintains elevated baseline catecholamine levels. A minimum of 3-5 sessions per week is recommended for meaningful adaptation. The Finnish research on cold swimmers showed the most benefits in daily practitioners.

Do I need a chiller for my cold plunge?

A chiller is not required but dramatically improves consistency and convenience. Without a chiller (e.g., Ice Barrel 400 at $1,299), you add ice manually each session — this costs $5-$20 per session and produces inconsistent temperatures. Chiller-equipped units ($4,200-$10,900) maintain your target temperature automatically. If you plan to plunge daily, a chiller typically pays for itself within 6-18 months versus ongoing ice costs.

What is the best cold plunge for beginners?

For beginners, the choice depends on your budget and commitment level. If you want to test cold plunging before a major investment, the Ice Barrel 400 ($1,299) provides a quality vessel without chiller cost. If you are committed to daily practice, the Plunge Classic ($4,990) offers the best combination of features, reliability, and ease of use with its integrated 0.75HP chiller, WiFi control, and 80-gallon capacity. Start with the equipment that removes the most friction from your daily practice.

Sources

1. Søberg S, Löfgren J, Philipsen FE, et al. Altered brown fat thermoregulation and enhanced cold-induced thermogenesis in young, healthy, winter-swimming men. Cell Reports Medicine. 2021;2(10). doi:10.1016/j.xcrm.2021.100408
2. Shevchuk NA Adapted cold shower as a potential treatment for depression. Medical Hypotheses. 2008;70(5):995-1001. doi:10.1016/j.mehy.2007.04.052
3. Bleakley C, McDonough S, Gardner E, et al. Cold-water immersion (cryotherapy) for preventing and treating muscle soreness after exercise. Cochrane Database of Systematic Reviews. 2012;2012(2). doi:10.1002/14651858.CD008262.pub2
4. Mooventhan A, Nivethitha L Scientific evidence-based effects of hydrotherapy on various systems of the body. North American Journal of Medical Sciences. 2014;6(5):199-209. doi:10.4103/1947-2714.132935
5. Tipton MJ, Collier N, Massey H, et al. Cold water immersion: kill or cure?. Experimental Physiology. 2017;102(11):1335-1355. doi:10.1113/EP086283

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Reviewed by Dr. Michael Torres, MD, CAQSM. Sarah Chen holds a Master’s in Exercise Science from UCLA and is a Certified Strength and Conditioning Specialist (CSCS). She has reviewed over 300 cold plunges and saunas since 2019 and previously worked as a recovery specialist for the Los Angeles Lakers organization. Her equipment reviews have been featured in Men’s Health, Outside Magazine, and Well+Good. For more expert guides, visit SweatDecks.com.