Free money calculators that show their work

5 focused tools for the decisions that cost real money: how much tax to set aside, what a marketplace sale really leaves you, how fast you can clear debt, how early you can retire. Every calculator runs in your browser, needs no account and explains the formula behind each number.

Taxes & freelancing

Set aside the right amount for self-employment tax and quarterly payments.

Freelance Tax Desk

1099 and self-employment tax planner for US freelancers.

Self-employed people owe self-employment tax on top of income tax and pay in quarters, which catches many first-year freelancers off guard. We made this to estimate what to set aside from each invoice.

Retirement & debt

Plan when you can stop working and the fastest way out of debt.

FireLine

Find the year you can stop working.

Financial independence comes down to two numbers: what you spend and what your portfolio can safely support. This calculator ties them together so you can see how savings rate and withdrawal rate move your target date.

DebtFree Planner

Snowball vs avalanche debt payoff planner.

Most payoff advice stops at "pay more than the minimum". This tool shows how the order you pick, snowball or avalanche, changes the month you finish and the interest you pay, so you can choose with numbers instead of guesses.

Business & pricing

Compare loans, account for marketplace fees and price for the margin you want.

BizLoan Desk

Compare business loan offers side by side.

Small business loans differ in rate, fees and term in ways that are hard to compare. This calculator shows the real monthly payment and total cost so you can judge an offer before signing.

SellerNet

What you really keep from every sale.

Marketplace sellers see revenue but often miss how fees, shipping and returns eat into it. We calculate the profit that is actually left per sale and the price needed to hit a target margin.

Tools for tax season and freelancers

Eligibility checkers, generators and 2026 reference tables.

EITC Eligibility Checker (2026)

Step-by-step questionnaire

Answer a few questions to see whether you may qualify for the 2026 Earned Income Tax Credit and get a rough credit estimate.

Filing Status Finder

Decision tree

Follow a short decision tree to find the right federal filing status: single, married filing jointly or separately, head of household or qualifying surviving spouse.

Freelance Proposal and Agreement Generator

Document builder with clause toggles

Build a freelance project proposal with scope, timeline, pricing and optional clauses. Copy the text or print it as a PDF.

2026 Federal Tax Brackets and Standard Deduction

Reference table

Official 2026 federal tax brackets and standard deduction for every filing status, with your bracket highlighted from your income.

2026 Retirement and HSA Contribution Limits

Reference by age and account

See your 2026 maximum contribution for a 401(k), IRA, SEP-IRA, SIMPLE IRA and HSA based on your age and coverage, with Roth and deduction income limits.

Freelancer Year-End Tax Checklist

Interactive checklist

A tick-off checklist of the money moves, record-keeping and filing tasks freelancers should finish before December 31 and before tax day. Progress is saved in your browser.

Quarterly Estimated Tax Deadlines

Calendar with countdown

Federal estimated tax due dates for 2026 and 2027 with a countdown to your next payment, the safe-harbor rule and a reminder file for your calendar.

How we keep them reliable

Each tool is built around one decision, uses published rates and rules, and links to a written guide explaining the assumptions. Read the methodology to see how we source and update the numbers.