Financial tools for people who work for themselves.
No HR department. No employer handling your withholding or benefits. These calculators are built for the people who deal with all of it themselves — 1099 contractors, sole proprietors, freelancers, and single-member LLCs.
Tax Deductions
Find every dollar you're allowed to subtract before the IRS gets involved.
Simplified vs. actual — which method wins for your space?
Compare the IRS simplified method ($5/sq ft, capped at $1,500) against your real expenses. The winning method depends on your rent or mortgage, and most people pick the wrong one.
Standard rate vs. actual vehicle costs.
Track business miles and calculate your deduction using the IRS standard mileage rate. Includes actual cost comparison for high-expense vehicles.
Your premiums are deductible. Most people undercount.
Self-employed workers can deduct 100% of health, dental, and vision premiums paid out of pocket. Model the exact deduction and its effect on your SE tax base.
Rate & Income
Know what to charge, what you'll owe, and whether a client is worth keeping.
What hourly rate do you actually need to quote?
Enter your take-home goal, hours, overhead, and tax brackets. Get the rate that covers everything — with a full tax waterfall, efficiency ratio, and peer band comparison.
What do you owe April, June, September, and January?
Model your quarterly estimated tax payments based on projected net income, filing status, and prior-year safe harbor. Know your numbers before the IRS penalty clock starts.
What's the right salary to pay yourself as an S-Corp?
Model the tax savings from splitting S-Corp income between salary (subject to payroll taxes) and distributions (not). Find the reasonable compensation threshold for your revenue level.
What's your effective hourly rate per client?
Enter actual hours and revenue per client. See who's profitable, who's dragging your average down, and what rate you'd need to make each client worth keeping.
Wealth & Retirement
No employer match, no pension. You're building this from scratch.
Assets minus liabilities. No accounts connected.
Enter your assets and liabilities and get a complete snapshot: liquid assets, retirement balances, real estate equity, and total net worth. Everything stays in your browser.
Avalanche vs. snowball — which saves you more?
Enter your debts, see both payoff strategies side by side: total interest paid, payoff date, and months saved. Drag to reorder which debt gets the extra payment first.
Seed it at birth. Roth rollover at 18. Tax-free at retirement.
Model the full Section 530A lifecycle: $1,000 government seed, family and employer contributions (up to $5K/year combined), Roth conversion at 18, and a Roth vs. traditional IRA comparison.
How much can you actually contribute this year?
Self-employed retirement contribution limits are a function of net earnings. Model your max employee + employer contribution across Solo 401k and SEP-IRA side by side.
From the Guides
Plain-English explanations behind the numbers.
All calculators are for informational purposes only. Results are estimates based on simplified models and user-provided inputs — not financial, tax, or legal advice. Consult a qualified professional before making decisions.