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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.

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

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.

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.

Run a personal CFO review on your contracting year. Score profit margin, collection rate, tax efficiency, retirement savings rate, and net worth growth on a 0-100 scale with prioritized goals for next year.

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.

Calculate your working capital ratio, days of runway, and asset/liability breakdown as a freelancer or contractor. Get prioritized recommendations to improve liquidity before a cash crunch hits.

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 your next 3 months of cash flow as a freelancer or contractor. Separate invoices sent from collections received, flag negative cash months, calculate runway, and see what reserve balance you need to cover 3–6 months of expenses.

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.

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.

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

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.

Calculate your IRS mileage deduction for 2024 (67¢/mile) or 2023 (65.5¢/mile). Compares standard mileage vs actual expense method to find the larger deduction — with tax savings at your rate and IRS log reminders.

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 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.

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 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.

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.

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.

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.

Project W2 salary vs contractor net earnings over 5, 10, or 20 years. See the crossover year where cumulative contractor income surpasses employment, with a live SVG earnings trajectory chart.

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.

See if a freelance project is worth taking before you sign. Calculates gross profit, after-tax net margin, true hourly rate including unpaid revisions, overhead allocation, and the minimum fee needed to break even.

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.

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.

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

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.