What We've Built

Full IRS formula: net SE income → SE base (×0.9235) → SS tax (12.4%, $168,600 cap) → Medicare (2.9%) → half-SE deduction → AGI → 2024 federal brackets. ShowMath panel with 11 labeled steps. Quarterly estimated payment. Orange accent. Also added /better-than/self-employment-tax-calculator SEO page targeting tax season traffic.

Audited every tool page using useSearchParams(). Added fallback={<ToolSkeleton />} to bare <Suspense> in fi-number, freelance-rate, home-affordability, quarterly-tax, and retirement. Fixed RelatedToolsStrip placement (was inside Suspense in fi-number and home-affordability). No prerender errors remain.

BetterThanKeywordTemplate used to build 8 high-intent comparison pages targeting 'best X calculator' queries: freelance-rate-calculator, self-employment-tax-calculator, mortgage-calculator, budget-calculator, debt-payoff-calculator, retirement-calculator, emergency-fund-calculator, quarterly-tax-calculator. Each page has typicalGaps, features, comparison table, and ShowMath callout.

FI Number: 3-tier system (essential / lifestyle / dream), Coast FI calculation, years to each tier, milestone tracker, 8-step ShowMath. Emergency Fund: months-of-expenses view, coverage ratio, rebuild timeline, dynamic insight banner, 7-step ShowMath.

3 savings rate views (gross / net / investable), Coast FI number, years to financial independence, insight banner when savings rate exceeds 50%. 8-step ShowMath panel.

PITI breakdown (principal + interest + taxes + insurance), PMI removal date, DTI flags, rent-increase rate input, SE affordability note, CalculatorChain handoff. 8-step ShowMath with amortization derivation.

Debt type selector, SimulationSummary component, high-APR insight banner, minimums-only baseline for comparison, CalculatorChain to quarterly-taxes. 8-step ShowMath.

Gap analysis (projected balance vs needed), Coast FI shortcut, inflation-adjusted projections, monthly savings needed to close gap. 8-step ShowMath panel.

WFH break-even calculation, job cost to employer, commute cost in dollars, benefits valuation. 7-step ShowMath showing gross wage → deductions → real hourly rate.

Safe harbor rule (100%/110% of prior year tax), state tax (51 flat-rate estimates), all 4 IRS payment due dates, recommended payment card. 8-step ShowMath with SE tax base, deduction, and bracket decomposition.

Benefits valuation (health, 401k match, PTO, FICA employer share), QBI deduction (Section 199A), total-comp break-even calculation. 10-step ShowMath comparing both scenarios side by side.

Minimum Viable Rate (MVR) calculation, effective rate vs. billing rate, profit margin input, utilization rate, benefit replacement as dollar line items. 7-step ShowMath from salary target to final rate.

New CalculatorChain component passes outputs from one calculator to another via URL params, creating guided financial workflows. Integrated into 8 flagship tools. Going 1099 workflow page uses it end-to-end.

Step-by-step guided workflow for W-2 employees considering going 1099. Links through W-2 vs 1099 → Freelance Rate → Quarterly Tax → True Hourly Rate with CalculatorChain handoffs at each step.

Reached 100 live calculators. Milestone tools: CD & HYSA Calculator (daily vs monthly compounding, APY vs APR), Home Office Deduction (IRS simplified + regular method), Overtime Pay Calculator (FLSA, CA daily OT, custom). All 100+ tools have ShowMath, RelatedToolsStrip, and ToolFeedback.

Historical CPI data back to 1913. Dual Past/Future modes. Calculates purchasing power change over any time period. 98th tool on the platform.

401k Optimizer: contribution limit comparison, employer match capture, tax savings by bracket. Personal Loan: APR vs flat rate, total interest, amortization schedule.

5-year TCO comparison: mortgage + PMI + maintenance + opportunity cost vs rent + renter's insurance. Break-even month shown. Blog internal links added.

Car Loan: monthly payment, total interest, amortization. Savings Goal: monthly contribution needed to hit a target by a date, with and without existing balance.

Working Capital: current ratio, quick ratio, cash conversion cycle for business health checks. Annual Review: year-in-review financial summary with net worth delta and savings rate.

First batch: bankrate-mortgage, budget-calculator, creditkarma-debt, dave-ramsey-budget. BetterThanTemplate component built. Sitemap updated.

Every ShowMath panel now has a dynamic insight callout personalized to the user's inputs — showing the highest-leverage action for their specific situation (e.g., 'At your income, the QBI deduction saves you $X').

RelatedToolsStrip coverage expanded to all 101 live tools. ToolFeedback added to 35 tools that were missing it. All tool counts updated from hardcoded '60+' to dynamic registry count. Fixed analytics infinite recursion bug.