Calculators

Every tool answers in money and prints the formula it used.

16 Rates & pricing

001 Hourly rate calculator From target income to a defensible quote.
002 What should I charge? quiz Your income floor crossed with sourced market benchmarks.
003 W-2 vs 1099 rate calculator What a salary is really worth as a contract rate.
004 Project price calculator From an hourly estimate to a fixed quote with margins.
005 Rate converter Hourly to day, week, month, year, on real billable time.
006 Billable hours calculator How many billable hours your year really holds.
007 Day rate calculator Price a booked day, premium included.
008 Rate increase calculator What a raise earns and how much churn it survives.
009 Rush fee calculator Deadlines cost extra. Price the premium.
010 Scope creep calculator What free extras really cost you per year.
011 Break-even rate calculator The survival rate every quote must clear.
012 Retainer calculator Reserved hours priced for predictable revenue.
013 Hourly to salary calculator What your contract hourly rate equals as a W-2 salary, benefits included.
014 Per-word rate calculator What a per-word rate really pays per hour.
015 Effective hourly rate calculator What you actually earned per hour worked.
016 Income goal calculator The hourly rate your income target actually requires.

001 Quarterly tax estimator Four payments, no April surprise.
002 1099 take-home calculator From contract rate to what lands in your account.
003 S-corp vs sole-prop comparison When the paperwork starts paying for itself.
004 Freelance expense tracker Schedule C categories, deductible totals, CSV export.
005 1099 tax prep checklist Six questions, a personalized filing checklist.
006 Self-employment tax calculator The 15.3% nobody warned you about, itemized.
007 Tax set-aside calculator The percent of every invoice to move, from real math.
008 Home office deduction Simplified vs actual method, side by side.
009 Mileage deduction calculator Business miles into 2025 deduction dollars.
010 Safe harbor calculator The quarterly payment that makes penalties impossible.
011 QBI deduction calculator The 20% deduction most freelancers under-claim.
012 Year-end tax checklist The December moves that stop working on January 1, sorted by your situation.
013 Estimated tax penalty calculator What the IRS charges for missed or short quarterly payments, at the real quarterly rates.
014 Conference trip cost calculator Ticket, travel and hotel plus the days you do not bill, minus what the deduction gives back.

001 Invoice late fee calculator Interest on overdue invoices, computed defensibly.
002 Deposit & milestones calculator Split a project into deposit and payments.
003 Kill fee calculator Bill a cancelled project fairly, and get paid.
004 Payment processor fees Stripe vs PayPal vs Square on your invoices.
005 Platform fee calculator What Upwork and Fiverr keep from your earnings.
006 Timesheet invoice calculator Hours and minutes into a billable total.
007 Net terms & early payment What waiting costs and what discounts are worth.
008 International transfer fee calculator What a cross-border payment really costs once the exchange-rate markup is counted.
009 Invoice aging tracker Who owes you what, how overdue it is, and what the delay is costing.
010 US freelance invoice template A US invoice you fill in and print, with what to put on it and why there is no official format.
011 EU VAT invoice template The article 226 particulars, including the reverse charge wording a cross-border invoice needs.

001 Freelancer runway calculator How many slow months your savings survive.
002 Freelance income tracker Log payments; see YTD income, tax set-aside, and the next deadline.
003 Freelance finance score One number out of 100, and the three gaps in your year priced in dollars.
004 Compound interest calculator What a monthly investing habit becomes, year by year.
005 Solo 401(k) / SEP-IRA calculator How much you can shelter this year, both plans compared.
006 Social Security benefit estimator The 2026 formula, with the self-employment haircut.
007 Card rewards calculator Whether the annual fee survives your real spend.
008 Cash flow forecaster Your next 90 days of cash, day by day, from expected invoices and fixed costs.
009 Freelance savings goal calculator Size your emergency fund in months of expenses and see when you get there.
010 Vacation cost calculator What time off really costs when nobody pays you for it.
011 Side hustle to full-time calculator Months until the side income replaces the job.
012 Debt payoff calculator Months to zero and the interest bill, month by month.
013 Self-employed mortgage calculator What your net profit borrows in the US, Spain or the UK, and what each deduction costs you in borrowing power.

001 Dollar-cost averaging calculator A fixed monthly contribution, compounded: invested vs growth.
002 Crypto gains calculator (FIFO) Realized gain across your buys and sells, oldest lots first.
003 Position size calculator How much to buy so a stopped-out trade costs what you chose.
004 Wash sale calculator Which of your harvested losses the 61-day window disallows.

001 Invoice generator Professional invoices in the browser, print to PDF.
002 Payment reminder generator The overdue-invoice email, written for you in three tones.
003 Contract clause library Copy-paste clauses: late fees, kill fees, deposits, scope.
004 Contract generator A printable service agreement from eight editable clauses.
005 Quote generator Professional project quotes, print to PDF.
006 Proposal generator A client-ready proposal: story, scope, and price on one page.
007 Rate increase letter generator The email that raises your rate without losing the client.

001 Profit margin calculator Margin, markup, and the difference that costs money.
002 Markup vs margin calculator 50% markup is a 33% margin. Convert both ways.
003 Break-even point calculator Units and revenue where the business stops losing.
004 Employee cost calculator What a hire really costs beyond the salary.
005 Subcontractor markup calculator Price outsourced work with your management time in.
006 Cost-plus pricing calculator From costs and overhead to a margin-true price.
007 ROAS calculator Return on ad spend, with the breakeven your margin sets.
008 Coworking vs home office calculator The real annual cost gap between a desk and your spare room.
009 Proposal win rate calculator What each proposal costs you, and what a win really nets.

001 YouTube earnings calculator Views into revenue, with the RPM in your hands.
002 Sponsorship rate calculator What to charge per sponsored post, engagement priced in.
003 Engagement rate calculator Your real engagement, benchmarked honestly.
004 Newsletter sponsorship calculator What your opens are worth to sponsors.
005 Podcast sponsorship calculator Downloads into ad revenue at real CPMs.