Business & Tax Tools
Free, private, no sign-up calculators for freelancers, 1099 contractors, and small business owners.
Tax tools are educational estimates based on official IRS formulas — verify tax-year figures at IRS.gov.
Tax Calculators
- 2026 Self-Employment Tax CalculatorMax IRS deductions for 1099 contractors. Calculate self-employment tax instantly.
- 2026 Quarterly Estimated Tax CalculatorAvoid IRS late penalties. Calculate quarterly estimated tax payments.
- 2026 1099 Tax EstimatorCalculate estimated taxes for independent contractors and gig workers.
Deduction Tools
- Home Office Deduction CalculatorCompare simplified vs regular method for maximum tax savings.
- MACRS Depreciation CalculatorCalculate equipment depreciation using IRS MACRS rules.
- Quick Tax Deduction FinderFind tax deductions you might be missing as a self-employed worker.
Compliance Tools
- 2026 IRS Tax Deadline CalculatorFind official tax due dates based on IRS Publication 509.
- 2026 Sales Tax CalculatorCalculate sales tax for US states and local jurisdictions.
- 2026 Employer Payroll Tax CalculatorEstimate employer Social Security, Medicare, FUTA, and SUTA on payroll.
Income Tools
- Hourly to Salary CalculatorConvert hourly wage to annual salary with pre-tax and post-tax estimates.
- 2026 SBA 7(a) Loan CalculatorEstimate SBA 7(a) loan payment, interest, and guarantee fee before you apply.
- 2026 Cash Flow CalculatorProject cash flow, burn rate, and runway. Spot cash-short months early.
- 2026 AR Turnover CalculatorMeasure receivables turnover and days sales outstanding (DSO).
- 2026 BC Tax Credits EstimatorEstimate BC Climate Action and GST/HST refundable tax credits (Canada).
- 2026 Business Line of Credit CalculatorEstimate available credit and interest cost on a revolving line of credit.
- 2026 1099 vs W2 Take-Home CalculatorCompare take-home pay as a 1099 contractor vs a W2 employee for the same gross pay.
- 2026 Small Business Profit EstimatorEstimate gross profit, operating income, and net profit before tax with margins.
- 2026 Break-Even CalculatorFind your break-even point in units and revenue from fixed costs, price, and variable cost.
- 2026 Profit Margin & Markup CalculatorSee profit margin, markup, and profit per unit — or solve for the price that hits your target margin.
- Cash Runway SimulatorSimulate monthly burn to see exactly when your cash runs out and plan your runway.
- Hire vs Outsource ComparisonCompare employee vs contractor cost side by side for your small business.
- Price Up vs Price Down ComparisonSee whether raising or lowering your price earns more revenue at your sales volume.
- Pricing SimulatorFind your break-even price and target profit across different price points.
- Runway Reverse CalculatorFind your max monthly spend to hit a target runway with your current cash balance.
- Target Profit Reverse CalculatorFind the revenue you need to reach your profit goal at your current margin.
Business Operations
- Markup Calculator for Small BusinessSet a price from your cost and a markup percentage. See sale price, profit, and the resulting margin for freelancers and small businesses.
- Profit Margin CalculatorFind your profit margin and markup from a sale price and unit cost. Check whether your pricing covers overhead before you sell.
- Reverse Price Calculator (Target Margin)Reverse pricing tool: enter your cost and the margin you must earn, and see the exact sale price and profit per unit.
- Reverse Break-Even (Target Profit) CalculatorReverse break-even tool: enter a target profit and your contribution margin to see the exact revenue (and units) you must sell.
- Freelance Hourly Rate Reverse CalculatorReverse rate tool for freelancers and 1099 contractors: enter the income you need, billable hours, and overhead to get the hourly rate that hits your goal.
- Restaurant Menu Price Reverse CalculatorReverse menu-pricing tool for restaurants and cafes: enter ingredient cost and your target food-cost percentage to get the price that protects your margin.
- Contractor Bid Calculator (Reverse Margin)Reverse bid tool for contractors: enter labor, materials, and the margin you need to see the client price that protects profit.
- Discount & Markdown CalculatorSee the sale price, markdown dollars, and the new margin after a discount \u2014 for retail and promotion planning.
- Price Change Test (Elasticity Simulator)Simulate the revenue impact of a price change and find the maximum volume drop you can absorb before revenue falls.
- Net Burn Rate CalculatorCalculate your monthly net burn and cash runway from cash on hand, inflows, and outflows \u2014 the number every small business must watch.
- Working Capital CalculatorCompute working capital and the current ratio from current assets and liabilities \u2014 your short-term solvency check.
- Cash Conversion Cycle CalculatorMeasure the cash conversion cycle (CCC) from days inventory, receivables, and payables \u2014 shorten it to free cash without borrowing.
- Business Emergency Fund Calculator (Reverse)Reverse tool: enter your monthly operating expenses and how many months of cushion you want to see the cash reserve to keep on hand.
- 12-Month Cash Flow SimulatorSimulate a 12-month cash balance from starting cash, monthly revenue (with growth), and expenses \u2014 spot shortfall months before they hit.
- Loan Payment & Amortization CalculatorEstimate the monthly payment, total interest, and amortization of a term loan from principal, APR, and term.
- Equipment Lease vs Buy SimulatorSimulate total cost of leasing versus buying equipment over a term, including salvage value, to pick the cheaper path.
- Invoice Financing Cost CalculatorEstimate the cost and net advance of invoice financing from the fee rate, advance percentage, and term \u2014 before you factor a receivable.
- Debt Service Coverage Ratio (DSCR)Calculate DSCR from net operating income and total debt service \u2014 the ratio lenders use to approve business loans.
- APR vs APY CalculatorConvert a nominal APR to APY with a chosen compounding frequency \u2014 see how often interest compounds changes what you really pay or earn.
- Fully Loaded Employee Cost CalculatorCompute the true cost of an employee from salary plus benefits, payroll tax, and overhead \u2014 the number behind every hiring decision.
- Overtime Cost CalculatorEstimate total payroll for regular and overtime hours at a chosen OT multiplier \u2014 plan staffing and crunch periods accurately.
- Bonus Gross-Up Calculator (Reverse)Reverse payroll tool: enter the net bonus you want an employee to receive and the tax rate to see the gross you must pay.
- Revenue Needed to Cover a Hire (Reverse)Reverse tool: enter a new hire's loaded cost and your profit margin to see the added revenue required to break even on the hire.
- Business Mileage Deduction CalculatorCalculate your IRS business mileage deduction using the current standard mileage rate \u2014 for self-employed drivers, contractors, and small businesses.
- QBI Deduction Calculator (Section 199A)Estimate the Section 199A qualified business income deduction for pass-through entities, with the taxable-income threshold logic.
- SEP / SIMPLE Contribution CalculatorEstimate the maximum SEP-IRA (and SIMPLE) retirement contribution for the self-employed from net earnings.
- LLC vs S-Corp Tax ComparisonCompare self-employment tax between a default LLC (disregarded entity) and an S-Corporation election on the same profit.
- Section 179 Deduction CalculatorEstimate the tax impact of a Section 179 first-year equipment deduction from the purchase cost and your tax rate.
- Customer Acquisition Cost (CAC) CalculatorCompute CAC from marketing spend and new customers \u2014 the metric that decides whether growth is profitable.
- Customer Lifetime Value (LTV) CalculatorEstimate LTV from average order value, purchase frequency, lifespan, and margin \u2014 the other half of unit economics.
- Max CAC from LTV:CAC (Reverse)Reverse growth tool: enter LTV and your target LTV:CAC ratio to see the maximum acquisition cost you can afford per customer.
- Marketing ROI CalculatorCalculate marketing ROI and net profit from campaign spend, attributed revenue, and your margin.
- Max Ad Spend (Reverse) CalculatorReverse marketing tool: enter target campaign profit, attributed revenue, and margin to see the maximum ad spend that still hits your goal.
- Economic Order Quantity (EOQ) CalculatorCompute EOQ \u2014 the order size that minimizes total inventory cost \u2014 from annual demand, order cost, and holding cost.
- Reorder Point CalculatorCalculate the reorder point from daily demand, supplier lead time, and safety stock so you never stock out.
- Inventory Turnover CalculatorCompute inventory turnover and days-in-inventory from COGS and average inventory \u2014 a key retail and ops efficiency metric.
- Food Cost Percentage CalculatorCompute food cost percentage from ingredient cost and menu price, and compare it to your target \u2014 for restaurants and cafes.
- Labor Cost Percentage CalculatorCompute labor cost as a percentage of revenue \u2014 the other half of restaurant and service profitability.
- ROI CalculatorCalculate return on investment from gain and cost \u2014 the simplest profitability ratio for any business spend.
- Payback Period CalculatorEstimate the payback period from an upfront investment and recurring monthly savings \u2014 a quick risk screen for CapEx.
- NPV Calculator (Net Present Value)Compute NPV of a multi-year investment from initial outlay, annual cash flow, and discount rate \u2014 the gold-standard capital-budgeting test.