All 34 Financial & Business Calculators
Complete directory of our specialized financial engineering engines for freelancers, contractors, and small business owners. Calibrated for 2026 IRS rules, 100% private, with zero data sent to external servers.
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Tax Planning & Statutory Deduction Engines
9 Engines
2026 Rates
1099 Self-Employment Tax Calculator
Calculate 15.3% SE tax, Social Security wage base ($181,800), Medicare, and 50% above-the-line deduction with expense write-offs.
Flagship
W-2 vs 1099 Side-by-Side Comparison
Compare net take-home pay, benefits valuation, employer tax subsidies, and write-offs to find your exact equivalence rate.
IRS Form 8829
Home Office Deduction Calculator
Compare Simplified Method ($5/sq ft up to $1,500) vs Actual Expenses under Form 8829 with depreciation & utilities.
IRS Notice 2026-10
Mileage Deduction Calculator
Evaluate Standard Mileage Rates (72.5¢/76.0¢) vs Actual Vehicle Expenses with MACRS depreciation and parking fees.
Section 199A
QBI Deduction Calculator (Section 199A)
Calculate 20% Qualified Business Income deduction across SSTB & non-SSTB thresholds, W-2 wage caps, and UBIA limits.
IRS 1040-ES
Quarterly Estimated Tax Calculator
Calculate Q1-Q4 payment vouchers, safe harbor thresholds (90% vs 100%/110%), and state estimated tax schedules.
High ROI
S-Corp Tax Savings Calculator
Determine your exact payroll tax savings by splitting net profit into W-2 Reasonable Salary and K-1 distributions.
Business Entity Comparison (LLC vs S-Corp vs C-Corp)
Compare liability, pass-through taxation, compliance overhead, and tax brackets across sole props, LLCs, and corporations.
Tax Refund Estimator
Estimate your federal tax refund or balance due based on withholding, standard/itemized deductions, and eligible credits.
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Pricing Strategy & Profit Optimization
6 Engines
Most Popular
Profit Margin Calculator
Calculate gross profit margin, net profit margin, and markup percentage instantly with interactive revenue breakdowns.
Essential
Break-Even Point Calculator
Find the exact unit volume and dollar revenue required to cover all fixed and variable operating expenses.
Top Rated
Freelance Hourly Rate Calculator
Calculate your billable hourly and day rates factoring in billable efficiency, overhead, self-employment taxes, and PTO.
Product Pricing Calculator
Price e-commerce and physical goods factoring in COGS, marketplace fees, shipping costs, and target profit margins.
SaaS Pricing & Unit Economics Calculator
Model Monthly Recurring Revenue (MRR), Annual Recurring Revenue (ARR), Churn Rate, Lifetime Value (LTV), and CAC.
Business Revenue Potential Calculator
Forecast top-line growth across multiple revenue streams, pricing tiers, and customer acquisition funnels.
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Hiring, Payroll & Compensation
4 Engines
Fully Loaded
True Cost of an Employee Calculator
Compute the fully burdened cost of a W-2 hire including FICA (7.65%), FUTA/SUTA, health insurance, 401(k), and perks.
Take-Home Pay Salary Calculator
Calculate net paycheck after federal income tax, state taxes, FICA, and pre-tax benefit deductions.
Hourly to Salary Converter
Convert hourly wage to annual salary, monthly pay, and weekly checks with customizable overtime and paid time off.
Free Tool
Free Invoice Generator (PDF Download)
Generate professional, customizable client invoices with tax line items, payment terms, and instant client-side PDF export.
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Loans, Debt Payoff & Capital Structure
5 Engines
Amortization
Business Loan Calculator
Calculate monthly term loan payments, total interest cost, and complete amortization schedules for commercial debt.
Loan Comparison Calculator
Compare two competing loan offers side-by-side factoring in APR, origination fees, compounding schedules, and prepayment terms.
Snowball vs Avalanche
Debt Snowball vs Avalanche Calculator
Compare debt elimination strategies to see exact interest savings and payoff timeline acceleration.
Lease vs Buy Decision Tool
Analyze Net Present Value (NPV), tax depreciation write-offs, and residual values for equipment or vehicle acquisition.
Compound Interest Calculator
Project growth of business reserves or retirement accounts with recurring monthly contributions and visual charts.
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Valuation, Cash Flow & Financial Health
10 Engines
Section 195
Startup Cost & Runway Calculator
Itemize pre-opening capital expenditures, calculate runway months, and model the $5,000 Section 195 tax deduction.
SDE + EBITDA
Small Business Valuation Calculator
Estimate fair market business value using Seller’s Discretionary Earnings (SDE) and EBITDA multiple methodologies.
EBITDA Calculator & Multiple
Calculate operational earnings before interest, taxes, depreciation, and amortization with industry valuation multiples.
Monthly Cash Flow Projection Calculator
Forecast cash inflows, operating outflows, and cash burn rate to prevent solvency crunches.
Financial Health Score Calculator
Evaluate liquidity, solvency, profitability, and operational efficiency with an actionable 1-100 score.
Working Capital Ratio Calculator
Calculate Current Ratio, Quick Ratio, and Net Working Capital to evaluate short-term liquidity health.
Asset Depreciation Calculator
Calculate asset write-offs using Straight-Line, Declining Balance, and Double Declining depreciation methods.
Small Business Net Worth Calculator
Tally business assets and liabilities to calculate total business equity and balance sheet strength.
ROI & Payback Period Calculator
Calculate Return on Investment percentage, annualized ROI, and exact break-even payback timeline.
All-In-One
Financial OS 2026 System
Unified dashboard integrating revenue planning, margin targets, and tax reserve calculations.