This page is built for resellers, ecommerce operators, solo founders, and small business owners who need clearer unit economics. Compare fees, margins, fulfillment choices, runway, and profit drivers with tools that make every assumption easy to audit.
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.
Σ Shows workChoose 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.
Σ Shows workCalculate 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.
Σ Shows workQuantify 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.
Σ Shows workCompare 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.
Σ Shows workDecision 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.
Σ Shows workScore 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.
Σ Shows workEvaluate 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.
Σ Shows workPut 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.
Σ Shows workCalculate 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.
Σ Shows workBefore 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.
Σ Shows workSee 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.
Σ Shows workCalculate your Net Promoter Score from survey responses and benchmark against your industry.
Σ Shows workHow 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.
Σ Shows workSee how expense ratios and advisor fees compound to erode your portfolio over time.
Σ Shows workModel the power of dividend reinvestment over time with compounding share growth.
Σ Shows workTrack live prices for Bitcoin, Ethereum, Monero, and top crypto assets.
Σ Shows workTrack your crypto portfolio value, allocation, and profit/loss across multiple coins.
Σ Shows workFull-featured scientific calculator with history, memory, and common math functions.
Σ Shows workCreate 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.
Σ Shows workCompare 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.
Σ Shows workLook 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.
Σ Shows workSole 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.
Σ Shows workHow 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.
Σ Shows workCalculate 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.
Σ Shows workEnter 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.
Σ Shows workWhat 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.
Σ Shows workIs 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.
Σ Shows workWhat 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.
Σ Shows workScore 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.
Σ Shows workYour 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.
Σ Shows workCompare 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.
Σ Shows workScore 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.
Σ Shows workCompare 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.
Σ Shows workCalculate 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.
Σ Shows workTrack 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.
Σ Shows workeBay, 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.
Σ Shows workCalculate 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.
Σ Shows workCalculate 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.
Σ Shows workValue 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.
Σ Shows work18-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.
Σ Shows workAnalyze 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.
Σ Shows workShould 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.
Σ Shows workScore 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.
Σ Shows workCalculate 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.
Σ Shows workComprehensive 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.
Σ Shows workCalculate 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.
Σ Shows workFull FBA P&L: referral fee, fulfillment fee, storage, PPC, returns — net margin, ROI, break-even price, and FBA vs FBM comparison.
Σ Shows workMonthly payment, total interest, true APR (fees included), amortization schedule, and ROI analysis — is this loan worth it?
Σ Shows workCalculate 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.
Σ Shows work15-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.
Σ Shows workTrack 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.
Σ Shows workHow 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.
Σ Shows workLanded cost, customs duty, Amazon fees, ROI, break-even, and MOQ payback for importing from Alibaba and selling on Amazon FBA.
Σ Shows worklocalStorage-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.
Σ Shows workFull P&L for Shopify merchants: COGS, subscription, transaction fees, apps, ads, shipping, and returns. Compare all 3 plans and find your break-even revenue.
Σ Shows workCompare 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.
Σ Shows workTrack your reseller profit & loss each month. Calculate gross profit, net profit, margins, and expense ratios. Full P&L statement with expense breakdown visualization.
Σ Shows workCalculate 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.
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