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Build a 50/30/20 budget from your income and see exactly where every dollar should go

Calculate your savings rate and see how it affects your path to financial independence. FI number, years to FI, projected retirement balance, and a sensitivity table across 5–70% savings rates.

Compare debt snowball vs avalanche — find your fastest path to debt freedom

Find out if you're on track to retire comfortably. See your projected balance, inflation-adjusted income, and exactly how much more to save each month to close any gap.

What are you actually worth? Enter assets and liabilities (including business equity and business loans) — get net worth, liquid net worth, debt-to-asset ratio, wealth rating, next milestone, and a 10-year trajectory.

Four calculators chained into one: net income after SE tax → full tax picture → monthly cash flow → retirement projection. Generates a shareable snapshot of your entire financial picture.

Are you actually on track to retire? Get a 0–100 readiness score based on projected balance, 4% rule income, Social Security, and your monthly expense target. Includes employer match modeling and Fidelity age benchmarks.

Compare Roth and Traditional IRA after-tax outcomes side by side. Enter your current and expected retirement tax brackets to see which account wins, the break-even retirement rate, and whether a Roth conversion makes sense for your situation.

Find the optimal 401(k) contribution to maximize your employer match, minimize taxes, and hit your retirement goal. Shows the real cost of under-contributing — before and after employer match.

Calculate your monthly payment, total interest, and true cost of any auto loan. See a full amortization schedule and compare the impact of different down payments.

Calculate monthly payments, total interest, and true cost for any personal loan. Compare how term length and rate affect your bottom line — with the full amortization schedule.

Compare up to 3 loan offers side by side — monthly payment, total interest, and true cost.

DTI is the primary number lenders use to approve mortgages. Contractors get flagged because lenders use 2-year net income, not gross revenue. See your front-end and back-end DTI, loan qualification status, and exactly how much debt to pay off or income to add to qualify.

Your marginal bracket isn't what you actually pay. See your combined effective rate across federal, SE/FICA, and state — for W-2 or 1099 income. Bracket breakdown, take-home pay, and income scenario table.

Estimate your Social Security benefit at different claiming ages — 62, 67, or 70.

Estimate your 2024 federal income tax, effective rate, and refund or amount owed. Includes bracket breakdown, itemized deductions, and withholding analysis.

Should you pay off your mortgage early or invest the extra? Punch in your numbers, see both paths side by side, get a plain-English recommendation.

Calculate your stock trade profit or loss including taxes and fees

Find out exactly how much to buy or sell to rebalance your investment portfolio

Systematic options income engine. Sell cash-secured puts, collect premium, sell covered calls. Connected to Alpaca paper trading.

Calculate profit, loss, and breakeven for call and put options strategies.

Convert between currencies with live-ish rates and historical context

See how your money grows with compound interest and regular contributions. Watch year-by-year growth, apply the Rule of 72, and see the real power of compounding.

1099 contractors have no unemployment insurance — your emergency fund IS your safety net. Find your recommended fund size based on employment type and income stability, then see exactly when you'll be fully funded.

Find out exactly when you'll reach your savings goal — and what monthly contribution gets you there faster. Shows time to goal, total contributions, and interest earned.

Calculate how much your CD or high-yield savings account will earn. Compare terms, rates, and compounding frequencies — see your exact interest earned, APY vs APR, and a month-by-month schedule.

Model the tax impact of ISO, NSO, and RSU equity grants. Compare sell-now vs hold-to-exit scenarios, calculate AMT spread for ISOs, and see your true net after federal, state, and capital gains taxes.

Calculate monthly payments, total interest, and whether you can actually afford a business loan. Shows DSCR (Debt Service Coverage Ratio) with lender thresholds, maximum affordable payment, and a 12-month amortization table.

Calculate your FI number at three expense tiers: essential-only, full lifestyle, and dream life. See years to each tier at your savings rate, your Coast FI number, and the monthly savings needed to retire by your target age.

Evaluate rental property deals with cap rate, cash-on-cash return, monthly cash flow, the 1% rule check, and a 10-year equity projection. Full mortgage payment and operating expense breakdown included.

Compare your current retirement savings pace vs an aggressive catch-up scenario. Projected balance at retirement, monthly income (4% SWR), milestone timeline, and Solo 401k contribution limits for self-employed contractors.

Solve any TVM variable: present value, future value, payment, interest rate, or number of periods. Supports ordinary annuity and annuity-due with amortization schedule and sensitivity analysis.

1099 contractors: see what lenders actually use as your income (net SE, not gross), calculate front-end and back-end DTI, get loan qualification likelihood, and credit improvement actions ranked by impact.

Know if your business has enough liquidity to cover short-term obligations. Essential for contractors and freelancers.

Calculate your personal inflation rate based on your actual spending mix — housing, groceries, healthcare, and more. See how your cost-of-living increase compares to the official CPI and the salary raise you need just to break even.

Model a full year of cash flow as a freelancer or contractor. Separate invoices from collections, auto-reserve for taxes via set-aside %, add up to 5 one-time expenses, flag risk months below your safety buffer, and see year-end balance.

Calculate your 2024 HSA contribution limit, federal tax savings at your marginal rate, and 20-year investment growth. See exactly how the government subsidizes every dollar you put in the only triple-tax-free account.

See how your credit score affects loan rates, APR, and total interest — with contractor-specific advice.

Calculate SE tax on crypto received as payment and capital gains tax on crypto sales. LTCG/STCG rates, every IRS formula shown.

Find out what any dollar amount is worth across time — past or future. Powered by CPI data from 1913–2024 with actual historical rates. See how inflation erodes purchasing power and what you need to earn to keep up.

Interactive tax season checklist for freelancers and 1099 workers. Income documents (1099-NEC, 1099-K), deductible expenses, estimated tax payments, required forms (Schedule C, SE, 8829), and W-9/contractor records. Check off items, track progress %, copy as text.

Interactive year-end tax checklist for self-employed workers and freelancers. Organized by deadline: Dec 31 action window (Solo 401k, §179 assets, mileage log), Jan 31 (1099-NEC, bank reconciliation), and April 15 (SEP-IRA, Schedule C, QBI deduction). Three-state items: checked / N/A / unchecked. localStorage persistence. Tax savings calculator for retirement, health insurance, and home office deductions.

Calculate late fees on overdue invoices. Choose flat fee, daily %, or monthly % with optional compounding. See days overdue, fees accrued, daily accrual rate, total owed, and 30/60/90-day projections. Includes 3 copy-paste contract language templates.

Enter an invoice date and payment terms (Net 15/30/45/60) to get the exact due date, follow-up reminder date, and overdue status. Includes .ics calendar export with a 3-day reminder.

For freelancers and self-employed workers: estimate SS credits earned, AIME, PIA, and monthly benefit at 62/67/70. Shows break-even ages for claiming decisions and the impact of working more years. Includes credit eligibility tracker.

What is net-60 actually costing you? Working capital tied up in AR, opportunity cost at your savings rate, invoice float count, and the annual value of switching to net-15 or net-30. Includes late-payer adjustment.

The flagship freelance tax overview. Enter your full year of 1099 income, expense categories (home office, mileage, software, equipment, meals, other), retirement contributions, health insurance, state, and filing status to see the complete tax waterfall: net SE income, SE tax, AGI, federal income tax with bracket breakdown, state income tax, total liability, quarterly payments, safe harbor, and net take-home.

Your 1099-K isn't your taxable income. Enter eBay gross sales, COGS, platform fees, and expenses — get your actual taxable profit, SE tax estimate, and the difference between what eBay reported and what you actually owe tax on.

Compare selling fees across eBay, Etsy, Poshmark, Depop, Facebook Marketplace, and Mercari. Enter sale price, shipping, and item cost — see net proceeds and profit on all 6 platforms side by side with the winner highlighted.

Multi-platform reseller tax calculator. Enter income per platform (eBay, Etsy, Poshmark, other), COGS, fees, filing status, and state — get taxable profit, SE tax, federal + state estimate, quarterly payment, and the set-aside percentage to save per sale.

Score Amazon FBA product opportunities across profitability, demand, and competition. Enter BSR, COGS, referral fee category, FBA size tier, and competing seller count — get net profit, ROI, monthly profit, and an overall Hot/Good/Maybe/Skip verdict.

Same item, 7 platforms — which one nets more? Compare selling fees across eBay, Amazon FBM, Etsy, Depop, Poshmark, Mercari, and Facebook Marketplace with 2024 fee structures. Ranked best to worst with winner badge.

Calculate true dropshipping net margin after supplier cost, shipping, payment processing, return rate, and optional ad spend. See break-even sale price and ROAS needed to be profitable before running paid traffic.

Track what you paid for inventory, what you sold it for, and on which platform. Per-item COGS, platform fees, profit, margin, and days-to-sell. Export as CSV for your tax spreadsheet or CPA. Built so tax season takes 30 minutes, not 7 hours.

eBay, Etsy, Poshmark, and Amazon handle sales tax for you in most states. See which platforms are marketplace facilitators, your economic nexus exposure by state, and whether you need to register anywhere.

Calculate your exact eBay Final Value Fees by category, Top Rated Seller discount (10%), promoted listings cost, and true net profit. See the full fee stack before you list.

Compare Sole Proprietorship, Single-Member LLC, and S-Corp election side by side. See exactly how much SE tax you save with an S-Corp, when the break-even is, and whether to elect now.

Answer 11 questions to see how the IRS classifies your work arrangement. Covers behavioral control, financial control, and relationship type — plus the stricter ABC test used in CA, NJ, and MA.

Calculate your 2024 gig platform taxes for Uber, Lyft, DoorDash, Instacart, Upwork, Fiverr, or TaskRabbit. Net profit, SE tax, quarterly estimated payments, mileage deduction, and 1099-K threshold — all in one place.

Type any freelance expense to instantly see the IRS deduction category, Schedule C line number, deductibility %, caveats, and IRC section. 40+ common expenses covered — software, home office, equipment, meals, travel, and more.

Plan all 4 quarters of estimated self-employment tax payments at once. Enter income and expenses per quarter, get cumulative YTD tax liability, safe harbor minimums, underpayment penalty risk, and the recommended payment for each quarter. Supports all 50 states.

Student tool for ages 13-21. Interactive sliders for starting amount, monthly contribution, annual interest rate (1-15%), and years (1-40). SVG line chart shows compound growth vs saving-only side by side. Rule of 72 doubling time. Preset scenarios (first job paycheck, $25/week from age 16, birthday money). ShowMath walks through every formula including A = P(1 + r/n)^(nt). Outputs: final balance, total contributed, total interest earned (the wow number), interest multiplier.

Student tool for ages 16-21. Enter hourly wage and hours per week to see exactly where every dollar goes. Shows gross pay → federal income tax (2024 standard withholding) → Social Security (6.2%) → Medicare (1.45%) → state income tax → net take-home. Friendly explanations for each deduction. W-2 vs 1099 contractor comparison showing why contractors pay more. ShowMath walks through every step.

Month-by-month tax deadline reference for self-employed workers. Covers Jan 2025 through Dec 2026: Q1-Q4 estimated taxes, 1099-NEC deadlines, S-Corp/Partnership returns, individual return deadlines (original + extension), SEP-IRA and Solo 401k contribution deadlines, and year-end deduction purchase cutoffs. Filter by entity type. Add any deadline to Google Calendar in one click. Countdown to next deadline.

Find every tax deduction available to freelance writers, authors, and journalists. Schedule C vs Schedule E royalty determination, home office (Form 8829), equipment (Section 179), research expenses, professional memberships, and SE tax with take-home calculator.

Calculate real estate agent taxes after broker split. Standard mileage vs actual vehicle expenses comparison, MLS fees, E&O insurance, desk fees, association dues, signage, photography, open house expenses, marketing, CRM software, home office deduction, and full SE tax breakdown.

Calculate the K-12 educator expense deduction: $300 per eligible teacher, up to $600 married filing jointly. Eligible classroom expense checklist, estimated federal + state tax savings, and SE tax calculation for tutoring and curriculum development side income.

Calculate taxes for musicians, artists, and performers. Covers performance fees, royalties, lesson income, and merch revenue. Includes SE tax, federal income tax, quarterly estimated payments, and IRC §183 hobby loss risk flag.

See exactly how FICO scores are calculated — payment history, utilization, account age, and more. Simulate your score and explore what-if scenarios.

Translate your hourly rate into real take-home pay after taxes. See what your paycheck actually covers — and what things really cost in hours of work.

See the true cost of your student loan — total interest, monthly payment, and exactly how much you'll pay back vs. what you borrowed.

Set up to 3 savings goals and see exactly how long it takes to reach each one. Compound interest, target date, total interest earned, and a 'what if I save more?' sensitivity table. Works for emergency funds, used cars, college costs, and house down payments.

See how inflation erodes purchasing power over time. Enter your salary or savings to see what it buys in today's dollars vs 5, 10, 20, or 30 years from now. Compare inflation vs HYSA (4.5%) vs S&P 500 (10%). Historical presets for 1970s, 2022 peak, and current 2024 CPI.

The sticker price is just the beginning. Calculate your real monthly cost (loan + insurance + fuel + maintenance + registration), 5-year total ownership cost, cost per mile, depreciation schedule, and net cost after resale. Includes buy vs lease comparison.

Compare the avalanche method (highest APR first) vs snowball method (lowest balance first) for paying off up to 5 debts. See total interest paid, months to payoff, payoff order, and a balance-over-time chart for each strategy.

Calculate the exact additional tax on side hustle income when you also have a W-2 job. Side income stacks on top of your salary and is taxed at your marginal rate — plus 15.3% self-employment tax. Shows SE tax, additional federal tax, state tax, effective rate, and quarterly estimate.

Calculate your true Amazon profit before listing. Enter product category, sale price, weight, dimensions, and COGS to get a full FBA or FBM fee breakdown — referral fee, fulfillment fee, storage fee — plus net profit per unit, monthly profit, annual profit, margin %, and breakeven price.

Model four depreciation methods for any business asset: MACRS (IRS standard half-year convention), Straight-Line, Section 179 full first-year expensing (2024 limit $1.22M), and 60% Bonus Depreciation. Enter asset cost, class (5-yr, 7-yr, 27.5-yr, 39-yr), business use %, and marginal rate to get a year-by-year deduction schedule, total tax savings, and NPV at 7%.

Build your budget with the 50/30/20 rule. Enter your income and expenses — get real-time feedback on each spending bucket with colored progress bars and gap analysis.

See exactly how the 2024 federal tax brackets work. Enter your income and filing status to see how much falls in each bracket, total tax, effective (average) rate vs marginal rate, and why a raise never makes you poorer. Stacked bar chart + bracket table.

Assets minus liabilities — your complete financial snapshot. Track progress over time with localStorage snapshots and benchmark against your age group.

Calculate your FI number (expenses × 25), years to financial independence, and see exactly how dramatically your savings rate shortens the timeline.

Full FBA P&L: referral fee, fulfillment fee, storage, PPC, returns — net margin, ROI, break-even price, and FBA vs FBM comparison.

Monthly payment, total interest, true APR (fees included), amortization schedule, and ROI analysis — is this loan worth it?

Cash donations, appreciated stock, DAF bunching strategy — see your true after-tax cost of giving and whether itemizing beats the standard deduction.

Stop giving the IRS an interest-free loan. Enter your income, deductions, credits, and current withholding to see if you're over- or under-withholding, and get exact W-4 Step 3 and Step 4(c) adjustments to land within $500 of $0 owed at filing.

Understand P/E ratios, earnings yield, market cap, and dollar-cost averaging with interactive simulators. See why index funds beat most active managers.

Project your freelance revenue month by month with growth rates, seasonality toggles, best/base/worst scenarios, and gap analysis to your annual goal.

Calculate real profit margins for Printful and Printify products sold on Etsy or Shopify. Shows profit per unit, margin %, monthly profit, break-even price, and effective hourly rate. Includes full fee breakdown for all platform charges.

Calculate tax on your full crypto portfolio. Short-term vs long-term capital gains, staking income (Rev. Rul. 2023-14), mining SE tax, and loss harvesting opportunities. Key highlight: crypto is NOT subject to the wash sale rule.

Calculate the real ROI of a rental property: monthly cash flow, cap rate, cash-on-cash return, gross rent multiplier. Includes 3% and 5% appreciation scenarios with 5/10/30-year equity projections and a full monthly expense breakdown.

How far behind are you on retirement? Uses Fidelity benchmarks, projects your balance to retirement, calculates your FI number (expenses × 25), estimates Social Security income, and tells you exactly how much more to save monthly to close the gap.

Add up all your subscriptions, flag the ones you barely use, and see what that dead weight would be worth invested over 10, 20, and 30 years.

HSAs are the most tax-advantaged account most people never maximize. See immediate tax savings (contributions reduce AGI + save FICA), projected tax-free growth, the Stealth IRA strategy, and your total tax benefit vs a taxable account over your career.

Turn investment losses into tax savings. See IRS netting rules applied (STCL vs STCG first, then LTCL vs LTCG, then cross-netting), total tax saved, ordinary income deduction up to $3,000 (IRC §1211), carry-forward loss, and whether harvesting is worth the transaction costs.

Filed Form 4868? An extension delays your filing deadline — not your payment. Calculate your April 15 balance due, 0.5%/month failure-to-pay penalty, daily IRS interest, and total cost of waiting until October 15.

How much capital do you need to replace your income? Build your income mix across dividends, REITs, bonds, and HYSA — see blended yield, capital needed, years to target, and a 20-year projection.

When should you claim Social Security? See your break-even age, cumulative lifetime benefits at 62 vs 67 vs 70, and the optimal claiming age based on your life expectancy. Spousal benefit included.

See how Fed rate changes ripple through your mortgage, car loan, savings account, and credit card. Enter your actual balances and simulate a rate cut or hike to see your net monthly impact.

See the true cost of everyday spending habits. That daily $5 coffee is $170,000 in 30 years if invested at 7%. Calculate what any habit costs in foregone investment returns — with year-by-year growth table.

Connect macro economics to your finances. Learn real vs nominal GDP, track CPI inflation 2015–2024, calculate your personal inflation rate based on your spending mix, and find your real return with the Fisher equation.

Future value, present value, required return, and required time — with annuity mode, inflation adjustment via Fisher equation, and year-by-year compound schedule.

10-question quiz reveals your financial archetype: Builder, Spender, Avoider, or Protector — with personalized strengths, blind spots, and 3 action steps.

Enter your monthly take-home, fixed and variable expenses, and savings to get a paycheck-to-paycheck score, 50/30/20 budget gap analysis, and a ranked action plan.

See the real cost of minimum payments in total interest paid, years to payoff, and how much you save by doubling your payment. Works for credit cards, car loans, mortgages, student loans.

Visual explainer of neural networks, training, tokenization, and the perceptron math behind AI. Interactive sliders show how changing weights shifts output probability.

See why small growth rates become huge over time. Visualize compound interest, viral spread, Moore's Law, and bacteria doubling on the same chart with linear comparison.

Interactive visualizer of core probability concepts: coin flip law of large numbers, normal distribution bell curve, expected value, and Bayes' theorem with medical test example.

Convert between 1099 contractor rates and W-2 salaries. See the SE tax gap, employer payroll tax, health insurance, retirement match, and PTO value — and the exact premium a contractor must charge to break even.

Calculate the full tax picture on gig / 1099 income: SE tax, federal brackets, state tax, mileage deduction, home office, and quarterly estimated payments — all in one tool.

Calculate your home office tax deduction using the IRS simplified method ($5/sq ft, max $1,500) or the regular method (actual expenses × business-use %). See your estimated tax savings for freelancers and 1099 contractors.

Side-by-side comparison of SEP-IRA, Solo 401(k), SIMPLE IRA, and Traditional IRA for 1099 workers. Enter your net SE income to see max contribution, immediate tax savings, projected balance at retirement, and monthly income at 4% withdrawal — for all four accounts simultaneously.

Calculate your 2024 business meal deduction under TCJA 2017 rules. 50% for documented client/team meals, 100% for on-premises employer meals, 50% for office snacks. Covers the entertainment-vs-meal distinction, IRC §274(d) documentation requirements, and your quarterly tax savings.

Compare IRS Simplified ($5/sq ft, max $1,500) vs Regular/Form 8829 side by side. Enter rent or mortgage expenses, see both deductions, the winner, tax savings at your rate, and quarterly payment reduction.

Find out if PayPal, Venmo, Stripe, Etsy, or Square will send you a 1099-K. Enter income per platform, see which cross the IRS threshold ($5,000 in 2024, $2,500 in 2025, $600 in 2026+), and get your SE tax estimate regardless of the form.

Determine whether your payment triggers a 1099-NEC or 1099-MISC — and what to do with it. Covers freelance income, rent, royalties, prizes, attorney fees, and more. SE tax impact included.

Calculate your overtime pay for any week. Supports FLSA time-and-a-half (federal), double-time, and California's daily overtime rules. See your gross pay breakdown by regular vs overtime hours.

What should you actually charge per hour? Account for taxes, health insurance, retirement, and the hours you can't bill — get the real number.

Enter your invoice amount, expenses, filing status, and state — see your SE tax, federal income tax, state tax, net take-home, and what to set aside quarterly. True after-tax $/hr included.

Side-by-side comparison of a job offer vs freelance income after all taxes. Accounts for SE tax, FICA, benefits, 401k match, expenses, and retirement — the winner highlighted in emerald.

Same gross pay, wildly different take-home. See exactly how W-2 and 1099 offers compare after self-employment tax, FICA, and employer benefits — then get the break-even number that tells you exactly what to negotiate.

Convert between hourly rate and annual salary — including overtime, PTO, and taxes

Calculate your exact take-home pay after taxes, benefits, and deductions

Your salary ÷ 40 hours isn't your real rate. Factor in taxes, commute, decompression, and work expenses to find what an hour of your life actually earns.

Have a W-2 job and 1099 side income? Find out exactly how much to add on W-4 line 4c to cover your 1099 tax without paying quarterly estimates. Shows total liability, withholding gap, safe harbor status, and recommended amount per paycheck.

2024 IRS mileage rates: $0.67/mi business, $0.21/mi medical, $0.14/mi charity. Split your miles by purpose, compare standard rate vs actual expenses (gas, insurance, depreciation, maintenance), and see your tax savings and quarterly payment reduction.

Calculate how long it takes to pay off IRS tax debt with interest and failure-to-pay penalties. See the true cost, compare extra payment scenarios, model a one-time lump sum, and learn about IRS Fresh Start program options.

Compare the true financial cost of working from home vs going into the office. Factor in commute, wardrobe, lunches, parking, home internet, utilities, and coworking — and see which offer pays more in take-home dollars.

Compare Section 179 expensing, bonus depreciation (60% in 2024), and MACRS for any business asset. See year-1 deduction, estimated tax savings, and a full multi-year MACRS schedule.

See the full long-term impact of your raise — real income after inflation, retirement boost, and lifetime earnings.

See your real take-home from a raise after taxes and inflation. Most people are surprised how little extra they keep.

2024 income tax rates for all 50 states and DC, ranked by freelancer-friendliness. Filter no-income-tax states, sort by rate, and read contractor-specific notes for every jurisdiction.

Visual, educational tool showing exactly how 2024 federal tax brackets work. Stacked bar chart for each bracket, effective vs marginal rate, pre-tax deductions, and the bracket bump myth — busted with the math shown.

Calculate your Form 1040 Line 17 health insurance deduction as a self-employed person. Covers health, dental, vision, and LTC premiums. Shows deduction cap at net SE income, federal and state tax savings, and effective monthly premium cost after the government subsidy.

Calculate your IRC §162(l) health insurance deduction: medical, dental, vision, and long-term care premiums. Includes income cap logic, marketplace subsidy interaction, and combined AGI reduction with the ½ SE tax deduction.

Was that project actually worth it? Enter hours by type (calls, work, revisions, admin), project expenses, payment received vs outstanding, and opportunity cost. See your true effective hourly rate, profit margin, and a composite client score (0–100).

What hourly rate do you need as a contractor to match your current W-2 salary? Enter your employer's exact benefits package (health, 401k match, PTO), expected contractor expenses, and billable hours to see your break-even rate and contractor premium.

Calculate the exact quarterly estimated tax payment to avoid the IRS underpayment penalty. Computes both safe harbor methods — 100%/110% of prior year tax vs 90% of current year — recommends the lower one, and shows your per-quarter payment schedule.

Calculate your exact self-employment tax using the IRS formula. Shows SE tax (SS + Medicare), the half-SE deduction, 2024 federal income tax brackets, effective rate, take-home pay, and quarterly estimated payment.

Remote freelancer with clients in multiple states? Calculate state taxes owed in each state, credits that prevent double taxation, and your true multi-state tax burden. Covers all 50 states + DC.

Calculate your estimated quarterly tax payments as a freelancer or 1099 contractor. Covers self-employment tax, federal income tax by bracket, state tax, and IRS safe harbor rules.

Calculate your quarterly IRS payments with QBI deduction (Section 199A), safe harbor, and all 4 due dates. Adds the 20% pass-through deduction that most freelancers forget to claim.

IRS-compliant mileage log with 2024 standard rates ($0.67/mi business). Log trips with date, destination, and business purpose, see monthly deduction summaries, and export to CSV for your tax preparer.

Calculate your SE tax (15.3%), the ½ SE tax deduction, federal income tax by bracket, total annual tax bill, effective rate, take-home pay, and quarterly estimated payment. Every IRS formula step shown.

Calculate your IRC §162(l) health insurance deduction. See federal + state tax savings, effective monthly premium after tax benefit, net SE income limit check, and ACA Premium Tax Credit eligibility flag.

Is your side gig actually worth it? Enter hourly rate, hours per week, and expenses to see net income after SE tax, effective hourly rate, and whether you're beating the opportunity cost of those hours at your day job.

Stop guessing your rate. Work backwards from desired take-home to find your walk-away floor, target ask, and W-2 salary equivalent. Includes a ready-to-use negotiation script and rate schedule for hourly, daily, weekly, and monthly contracts.

Quantify every W-2 benefit you have to replace as a 1099 worker — health, dental, HSA, 401k match, PTO, sick days, life, disability — with correct tax treatment for each. Outputs the freelance hourly rate needed to net the same take-home as a specific W-2 salary.

True annual cost of a W-2 employee vs 1099 contractor vs doing the work yourself. Employer FICA (7.65%), benefits, recruiting, onboarding productivity loss, overhead, and management time — all modeled. Includes break-even bill rate and the 1.3–1.5× salary rule explained.

When to raise your freelance rates and by how much. CPI compound inflation adjustment, market range by discipline (design/dev/writing/marketing/consulting), income target rate, and a client attrition model — what happens to income if 20% of clients leave after the raise.

Is your freelance rate actually competitive? Enter your category, years of experience, location tier, and specialization level to see your rate percentile, market low/median/high for your segment, the dollar gap to market rate, and what raising to median means annually. Benchmarks from BLS OES, Upwork, and Toptal 2024.

Score your freelance income stability 0–100 based on client concentration (35 pts), contract type (25 pts), payment terms (15 pts), and emergency fund runway (25 pts). Get a rating badge (Unstable / Developing / Stable / Resilient), per-factor breakdown, improvement actions, and recommended emergency fund runway.

Data-driven answer to the rate-raise question. Enter utilization %, proposal rejection rate, months since last raise, and CPI to get a Raise Now / Raise Soon / Hold verdict, suggested rate range with demand premium, annual revenue impact, and a step-by-step transition strategy.

Calculate the floor price for any freelance project. Enter estimated hours, complexity buffer, revision rounds, rush factor, and expenses to get a defensible minimum quote and value-based upper bound.

Quantify the true cost of a bad client: scope creep hours, communication overhead, late payment fees, and opportunity cost. Get a data-driven fire-this-client verdict and break-even rate for future work.

Calculate how much to save each month across 4 buckets: tax reserve (SE + federal + state), retirement (SEP-IRA up to $69k), emergency fund, and equipment reserve. Get a recommended savings rate and monthly take-home.

Calculate exactly what percentage to set aside from every 1099 payment. Covers SE tax, federal income tax by bracket, and all 50 states. Per-invoice set-aside + quarterly payment schedule with 2025 due dates.

Quantify the real annual cost of Net 30, Net 15, or Net 60 payment terms vs getting paid upfront. See outstanding AR, opportunity cost, cash flow gap, and exactly how much you save by tightening terms.

Log your freelance rate history over time. Track rate changes, see your % growth since starting, get a nudge when you are overdue for a raise, and export your history as CSV. localStorage-based — no account needed.

Know your number before you walk into the room. Enter your current salary, target, competing offer, industry, experience, and metro area to get a negotiation range, market rate estimate, and a ready-to-use counter-offer script.

Practice salary and freelance rate negotiation with ready-to-use opening scripts, objection handlers, and a 10-year compounding stakes calculator.

Market rate ranges for 14 freelance skill categories by junior/mid/senior level and location. See where your rate falls and the gap to the next tier.

Calculate monthly payments, total interest, and full amortization schedule

Find out how much house you can afford based on income, debts, and down payment.

Analyze a rental property investment — cash flow, cap rate, and return on investment.

Should you rent or buy? See the true break-even timeline, total costs over 5–30 years, and which option wins given your market and lifestyle — with the math shown.

Should you refinance? Calculate your break-even point, monthly payment savings, and lifetime interest saved vs. your current loan — with a year-by-year amortization comparison.

Choose the right pricing model for your next project. Compare fixed price, hourly, retainer, value-based, and milestone billing — with risk-adjusted quotes, revision buffers, and a model recommendation based on your project details.

Calculate your Net Promoter Score from client survey results. See your NPS vs the B2B services benchmark (41), simulate converting a detractor, get action recommendations, and learn how to run an NPS survey as a solo contractor.

Quantify the hidden cost of scope creep on your freelance projects. See your original vs actual effective rate, revenue lost to unscoped hours, revision cost, and what to quote next time.

Compare the real cost of hiring a W2 employee vs a 1099 subcontractor. Includes employer FICA, unemployment insurance, workers comp, benefits, PTO, and payroll admin — with misclassification risk guidance.

Decision framework for contractors choosing between raising rates or bringing on subcontractors. Compare revenue per hour of your time for each path, sub margin analysis, capacity utilization, and a data-driven recommendation.

Score your freelance pricing power 0-100 across 7 weighted dimensions. Get your market tier (Commodity → Elite), conservative and aggressive rate raise potential, and your top 3 priority actions.

Evaluate any contract before responding. Compare gross vs net for W2, 1099, or Corp-to-Corp. See effective hourly rate after taxes, W2 equivalent salary, commute costs, and a Respond with Confidence verdict.

Put a real dollar number on your W2 benefits package — health insurance, 401k match, PTO, disability, and perqs. Calculate total compensation and the 1099 equivalent daily rate needed to match the full package.

Calculate your overhead rate, fringe rate, G&A rate, and fully burdened labor cost. See the billing rate you need to hit your profit target — with the per-$100 breakdown used in government contracting proposals and project bids.

Before you buy equipment, hire a subcontractor, or rent an office — know your break-even point. Enter fixed costs, variable cost per unit/hour, and your price to get break-even units, revenue, contribution margin, and profit at your current revenue level.

See your full profit waterfall — gross, operating, and net margin — with a freelance/small-business rating and sensitivity analysis. Know if you're struggling, viable, healthy, or strong before your next client negotiation.

Calculate your Net Promoter Score from survey responses and benchmark against your industry.

How much is a single client really worth? Enter monthly revenue, margin, retention, and acquisition cost — get gross LTV, net LTV after CAC, LTV:CAC ratio, payback period, and how retention changes every number.

See how expense ratios and advisor fees compound to erode your portfolio over time.

Model the power of dividend reinvestment over time with compounding share growth.

Track live prices for Bitcoin, Ethereum, Monero, and top crypto assets.

Track your crypto portfolio value, allocation, and profit/loss across multiple coins.

Full-featured scientific calculator with history, memory, and common math functions.

Create professional invoices with your business info, client details, line items, and tax. Print or save as PDF instantly. Your sender info is saved locally — no account needed.

Compare the true net present value cost of leasing vs buying business equipment. Accounts for the §179 first-year deduction, salvage value, opportunity cost of capital, and after-tax lease payments.

Look up whether your digital service — SaaS, online courses, digital downloads, consulting, or design — is taxable in all 50 states + DC. Includes post-Wayfair economic nexus thresholds and estimated tax exposure.

Sole Prop vs LLC vs S-Corp: the biggest financial decision a new contractor faces. See SE tax burden, formation cost, complexity, and exact savings side-by-side — with the break-even threshold for your situation.

How much can your idle GPU earn via compute sharing or XMR mining? Pick your GPU model, electricity rate, and hours per day — get net monthly earnings and payback period.

Is a retainer worth the discount? Enter your rate, estimated hours, and discount offered — see your monthly retainer price, total contract value, effective hourly rate, and exactly how many months until the guaranteed income recoups the discount vs client churn.

What does it actually cost to run your freelance business? Calculate your true overhead rate across software, equipment, professional development, accounting, legal, and marketing — and see the minimum hourly rate you must charge just to cover costs before paying yourself.

Score your clients on effective hourly rate, payment speed, revision overhead, and enjoyment. Get an A/B/C/D grade and a keep/negotiate/sunset recommendation. See how much revenue you're leaving on the table vs your target rate.

Calculate the true value and risk-adjusted value of a freelance contract before signing. Gross value, effective hourly rate with revisions, payment timing discount (net 60 = 15% off), kill fee protection, opportunity cost comparison, and a Strong / Acceptable / Risky / Walk Away verdict.

Value your freelance prospect pipeline like a lightweight CRM. Enter up to 12 leads with project value, close probability, and duration — get weighted pipeline value, expected monthly revenue, pipeline health score (Thin / Adequate / Strong), gap to income target, and how many more prospects you need.

18-item interactive checklist across 4 phases: Before Signing, At Project Start, During Project, At Delivery. Each item explains why it matters and which risk it prevents (scope creep, late payment, unpaid work, liability, IP disputes, miscommunication, missed deadlines). Progress bar, risk counter, localStorage persistence, and print support.

Analyze what fraction of your working time actually pays. Enter total hours, billable hours, rate, and income target to get: billable utilization rate (industry benchmark 60-70%), true effective hourly rate (income / all hours worked), annual hidden cost of non-billable overhead, and the rate increase needed to hit your income target given current utilization. Non-billable time breakdown visualization.

Should you spend money on Google or Meta ads to get clients? Enter your budget, CPC, close rate, and project value to see your full funnel, LTV:CAC ratio, break-even, and a verdict on whether paid ads make sense for your freelance business.

Score your business credit readiness with a 12-question checklist. Covers EIN, LLC formation, business bank account, DUNS number, vendor accounts, business credit card, and more. Shows your score, badge, gaps, and prioritized next steps.

Comprehensive health check for solo freelancers across 6 dimensions: Cash Flow (emergency fund + payment terms), Rate Health (vs experience benchmark), Client Diversification (concentration risk), Tax Readiness (quarterly estimates), Retirement (contribution %), and Contract Protection. Get an overall 0-100 score, badge (Critical / Developing / Healthy / Thriving), dimension breakdown, and top 3 improvement actions.

Calculate your break-even churn rate: the exact percentage of clients that can leave after a price increase and you still make the same monthly revenue. Shows revenue impact, months to recoup, three increase scenarios (+7%, +15%, +25%), and timing recommendations.

15-question checklist to spot risky contract clauses before you sign. Checks kill fee, IP ownership, non-compete, payment schedule, liability cap, arbitration, work-for-hire, and more. Gives a Contract Health score with plain-English explanations and negotiation scripts for every red flag.

Track outstanding invoices with aging buckets (current, 1-30, 31-60, 61-90, 90+ days overdue). Late fee calculator at 1.5%/month default. Collection priority list ranks invoices by dollar amount × days overdue. Saves to browser, exports CSV.

How long can your business survive on current cash? Enter your cash balance, monthly revenue, and expenses to see monthly burn rate, runway in months, break-even revenue, and scenario analysis for a 25% or 50% revenue drop.

Landed cost, customs duty, Amazon fees, ROI, break-even, and MOQ payback for importing from Alibaba and selling on Amazon FBA.

localStorage-backed P&L tracker for item flippers. Log purchases and sales, track ROI and annualized returns, monitor your 1099-K threshold, and export to CSV.

Full P&L for Shopify merchants: COGS, subscription, transaction fees, apps, ads, shipping, and returns. Compare all 3 plans and find your break-even revenue.

Compare selling the same item across eBay, Amazon, Etsy, Mercari, and Poshmark. See net profit after platform fees, item cost, and shipping for each marketplace side by side.

Compare Fulfillment by Amazon (FBA) vs self-shipping (FBM) for any product. See size tier, FBA fees, and annual profit difference to find the most profitable fulfillment method.

Track your reseller profit & loss each month. Calculate gross profit, net profit, margins, and expense ratios. Full P&L statement with expense breakdown visualization.

Calculate how many units you need to sell to break even. See contribution margin, break-even point, and margin of safety at your expected sales volume.

Calculate your Body Mass Index, see your WHO category, and find your healthy weight range

Calculate your Basal Metabolic Rate and daily calorie needs based on your activity level.

Find your ideal bedtime or wake time based on 90-minute sleep cycles.

Calculate your Total Daily Energy Expenditure (TDEE) and personalized daily macro targets for protein, carbs, and fat. Uses the Mifflin-St Jeor BMR equation with activity-level adjustment.

Calculate your cumulative GPA on the 4.0 scale from letter grades and credit hours

Honest, data-driven college ROI calculator. Enter total cost, loan amount, expected salaries, and years to graduate to see lifetime earnings premium, break-even years, 40-year NPV, and side-by-side comparison with trade school. No spin — just the math.

Is your 529 on track? Project your balance at age 18, see the inflation-adjusted 4-year cost, close your funding gap, and estimate state tax deduction savings.

Calculate tips and split the bill instantly. Quick tip buttons, per-person total, and a service label — built for mobile.

Convert between common units of length, weight, temperature, and volume.

Calculate your exact age in years, months, days — plus upcoming birthday countdown.

How much can you earn with Reise Earn? Calculate your monthly earnings from ads, compute sharing, and sponsored offers — net of electricity costs.