Calculators · Updated for 2026
The numbers you keep guessing at, worked out properly.
Ten interactive calculators built on the same models we run in client engagements — the 2026 tax tables, the SBA fee schedule, the retirement limits, the real cost of a hire. Change an assumption and watch the answer move. Every calculator shows its math and cites its sources.
Tax
What you will owe, what the IRS expects you to prepay, and what an entity change is actually worth.
Quarterly Estimated & Self-Employment Tax
Self-employment tax, federal income tax with QBI, state tax, and the safe-harbor payment schedule that avoids the underpayment penalty.
Total tax · SE tax · safe-harbor payment per quarter
Open calculatorS-Corp vs. LLC Tax Savings
The full LLC-versus-S-Corp comparison: payroll tax, the §199A trade-off, administration and state costs, and a reasonable-compensation check.
Net annual savings · break-even salary · reasonable-comp flag
Open calculatorOwner Retirement & Solo 401(k)
Employee deferral, catch-up by age and the employer share done the Pub 560 way — Solo 401(k) vs. SEP vs. SIMPLE, tax saved, and a growth projection.
Max contribution by plan · tax saved · net cost · projected balance
Open calculatorOperations
Pricing, break-even, cash and headcount — the four numbers that decide whether a month was good.
Profit Margin, Markup & Pricing
Price from cost and target margin (or markup), net out card fees and variable costs, and see how much extra volume a discount demands.
Price · gross & net margin · discount volume math
Open calculatorBreak-Even & Target Profit
Break-even revenue and units, revenue for a profit target, margin of safety, operating leverage, and which lever moves the number most.
Break-even revenue & units · target-profit revenue · margin of safety
Open calculator13-Week Cash Flow & Runway
Recurring inflows and outflows, payroll by frequency, estimated-tax dates and an editable one-off grid — closing cash every week, the low point and runway.
Lowest cash point · weeks of runway · week-by-week closing cash
Open calculatorTrue Employee Cost & Hiring
Fully loaded cost with 2026 payroll taxes, 50-state unemployment rates, workers’ comp by class, benefits and ramp — plus cost per productive hour and payback month.
Loaded cost & multiplier · cost per productive hour · revenue needed · payback month
Open calculatorCapital & Investment
Debt capacity, what the business is worth, and whether a property pencils.
Business Loan, SBA Payment & DSCR
Conventional, SBA 7(a) and 504 payments with current rate caps and guaranty fees, effective APR, amortization, and the DSCR test lenders apply.
Monthly payment · effective APR · DSCR vs. lender minimum · max loan
Open calculatorBusiness Valuation & Exit Readiness
Seller's discretionary earnings, industry and deal-size multiples from closed-transaction data, an eight-factor exit-readiness score and the dollar value of each gap.
Value range · SDE & EBITDA · readiness score · what each gap is worth
Open calculatorRental Property ROI & DSCR
Full underwriting: NOI, cap rate, cash-on-cash, DSCR, rule-of-thumb screens, depreciation and passive-loss tax effects, and a hold-period projection with IRR.
Cash flow · cash-on-cash · cap rate · DSCR · after-tax · IRR at sale
Open calculatorHow we built these
Calculators that show their work.
Most free calculators are a lead form with arithmetic attached. These are the working models we use with clients, published with the assumptions exposed, so you can see exactly why the number is what it is — and argue with it.
Current-year figures
2026 brackets, the $184,500 Social Security wage base, the $24,500 deferral limit, the FY2026 SBA fee table. Each page lists its sources and the date they were checked.
Assumptions you can change
Defaults are sensible, not sacred. Every rate, reserve and multiple is an input, and the methodology section explains what each one does.
Private by design
The math runs in your browser. Nothing you type is transmitted or stored. Share a scenario by copying the link, which carries your inputs.
Honest about limits
A calculator is an estimate, not a return and not advice. Where a rule is simplified, the page says so — and says when to bring in a professional.
Questions
About the calculators
Are these accurate enough to plan on?
They are built from published 2026 figures and the standard formulas used in practice, and we test the math against hand calculations. They are accurate for what they model. What they cannot do is see your full return, your state’s quirks, or the facts that change an answer — so treat the output as a well-informed starting point, and confirm anything you are about to act on.
Do I have to give you my email?
No. There is no gate, no list, no follow-up sequence. Use them as often as you like.
Is my data stored anywhere?
No. Everything runs in your browser. If you copy a scenario link, your inputs travel in that link — and only to whoever you send it to.
How often are the figures updated?
Each calculator carries a “verified” date. We re-check after the IRS publishes the annual inflation adjustments (usually October or November), after the SBA’s fiscal-year fee notice (October), and whenever a rate the calculator relies on changes.
Can you run this against my actual numbers?
Yes. That is what a Strategy Session is for. Bring the scenario link and we will work from it.
Want the answer for your actual situation?
Run a scenario, copy the link, and bring it to a free Strategy Session. We will tell you whether the number holds up and what we would do about it.
Schedule a Free Strategy Session