Useful numbers, with the assumptions in plain sight.

Start simple. Open the advanced view when your income, employees, filing situation or business records call for more context.

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2026 SEP IRA contribution calculator

Estimate a Schedule C owner contribution, inspect the reduced-rate formula, add eligible employee compensation and see total employer cost.

Basic
Quick owner estimate
Advanced
Formula, outside wages and employee costs
Open the SEP calculator

A growing planning toolkit

Preview the Basic and Advanced scope for each calculator.

Showing 88 calculators.

Retirement

401(k) contribution planner

See how a contribution election changes annual savings and estimated take-home pay.

Quick contribution view
Uses
Annual salary · Contribution percentage
Shows
Annual and per-paycheck contribution
Open calculator
Pay & withholding

Salary and paycheck estimator

Translate annual compensation into a practical gross-pay and withholding planning view.

Gross paycheck view
Uses
Annual salary · Pay frequency
Shows
Gross pay by paycheck, month and year
Open calculator
Retirement

Traditional or Roth IRA planner

Compare contribution room and the planning questions that separate Traditional and Roth choices.

Contribution room
Uses
Age · Contribution already made
Shows
Remaining annual contribution room
Open calculator
Business planning

Quarterly estimated tax planner

Turn a full-year tax estimate into a clearer payment schedule for self-employed income.

Quarterly payment split
Uses
Expected annual tax · Withholding and credits
Shows
Estimated balance and four-payment schedule
Open calculator
Business planning

Home office and mileage estimator

Organize two common business-use deductions without mixing personal and business activity.

Fast deduction estimate
Uses
Business-use square feet · Business miles
Shows
Simplified-method home office and mileage estimate
Open calculator
Personal finance

RSU withholding gap planner

Compare estimated tax on vested RSU income with shares or cash withheld, then plan a review amount.

Quick estimate
Uses
Value of RSUs vesting this year · Employer withholding rate · Assumed marginal federal rate
Shows
Core result and transparent assumptions
Open calculator
Personal finance

High-income tax projection

Build a directional household projection from wages, equity, business, investment, deductions, and credits.

Quick estimate
Uses
Wages and bonus income · Equity compensation and investment income · Estimated deductions · Blended federal planning rate
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Rental-loss usability screener

Screen whether entered rental losses may be limited by basis, at-risk, passive-activity, or income assumptions.

Quick estimate
Uses
Current-year rental loss · Tax basis available · Amount economically at risk · Modified AGI before rental loss
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Cost-segregation feasibility planner

Compare a rough accelerated-depreciation scenario with a conventional building schedule.

Quick estimate
Uses
Depreciable building basis · Potential 5-, 7-, or 15-year component percentage
Shows
Core result and transparent assumptions
Open calculator
Personal finance

ISO exercise and AMT planning screen

Estimate the ISO bargain element and a directional alternative-minimum-tax exposure before exercising.

Quick estimate
Uses
Shares exercised · Exercise price per share · Fair market value at exercise · Assumed AMT planning rate
Shows
Core result and transparent assumptions
Open calculator
Personal finance

ESPP disposition analyzer

Compare a qualifying and disqualifying disposition using entered purchase, grant, and sale facts.

Quick estimate
Uses
Shares sold · ESPP purchase price per share · Fair value at purchase · Fair value at offering date · Sale price per share
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Concentrated stock exposure planner

Show household concentration, downside scenarios, and a directional tax-aware sale budget.

Quick estimate
Uses
Employer or single-stock value · Total investable portfolio · Estimated stock basis
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Qualifying child and dependent evidence screener

Walk through relationship, age, residency, support, and joint-return facts before claiming a dependent or child credit.

Quick estimate
Uses
Relationship test met? · Age at year end · Months lived with taxpayer
Shows
Core result and transparent assumptions
Open calculator
Personal finance

1098-T and education-credit evidence planner

Organize tuition, scholarships, enrollment, and 1098-T records before testing education credits.

Quick estimate
Uses
Qualified expenses paid · Scholarships and grants · Student enrolled at least half-time?
Shows
Core result and transparent assumptions
Open calculator
Retirement

2026 Roth 401(k) contribution planner

Estimate after-tax Roth deferrals and remaining employee contribution room.

Quick estimate
Uses
Annual eligible compensation · Roth contribution rate
Shows
Core result and transparent assumptions
Open calculator
Retirement

Employer 401(k) match calculator

Translate a common matching formula into employee and employer dollars.

Quick estimate
Uses
Eligible compensation · Employee contribution rate · Employer match per employee dollar
Shows
Core result and transparent assumptions
Open calculator
Retirement

2026 HSA contribution planner

Estimate remaining HSA room for self-only or family coverage.

Quick estimate
Uses
Coverage type · Age at year end
Shows
Core result and transparent assumptions
Open calculator
Retirement

Health FSA election planner

Translate an annual health FSA election into paycheck reductions and an estimated tax effect.

Quick estimate
Uses
Annual FSA election · Paychecks per year
Shows
Core result and transparent assumptions
Open calculator
Retirement

Social Security claiming comparison

Compare a stated full-retirement-age benefit across simplified claiming ages.

Quick estimate
Uses
Monthly benefit at full retirement age · Planned claiming age
Shows
Core result and transparent assumptions
Open calculator
Retirement

Required minimum distribution estimator

Divide a prior year-end account balance by the entered IRS life-expectancy factor.

Quick estimate
Uses
Prior December 31 account balance · Applicable distribution-period divisor
Shows
Core result and transparent assumptions
Open calculator
Retirement

Compound interest calculator

Project a starting balance and recurring monthly contributions.

Quick estimate
Uses
Starting balance · Monthly contribution · Annual return assumption · Years
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Debt payoff calculator

Estimate payoff time and interest for a fixed monthly payment.

Quick estimate
Uses
Current balance · Annual interest rate · Monthly payment
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Mortgage payment calculator

Estimate principal-and-interest payment plus entered housing costs.

Quick estimate
Uses
Home price · Down payment · Annual mortgage rate · Loan term in years
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Mortgage refinance break-even calculator

Compare current and proposed principal-and-interest payments and closing-cost recovery.

Quick estimate
Uses
Remaining loan balance · Current annual rate · Proposed annual rate · New loan term in years
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Capital gains tax budget planner

Estimate gain after entered losses and a cautious combined tax budget.

Quick estimate
Uses
Sale proceeds · Adjusted tax basis · Selling costs
Shows
Core result and transparent assumptions
Open calculator
Business planning

2026 self-employment tax estimator

Estimate Social Security and Medicare portions from Schedule C profit.

Quick estimate
Uses
Schedule C net profit
Shows
Core result and transparent assumptions
Open calculator
Business planning

S corporation break-even comparison

Compare a simplified sole-proprietor model with an S corporation wage, payroll, state-tax, retirement-contribution and administration assumptions.

Quick estimate
Uses
Business profit before owner compensation · Proposed S corporation wage
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Small-business retirement plan selector

Compare a simplified SEP IRA, SIMPLE IRA and solo 401(k) fit using owner status, staff, contributions and administration.

Quick estimate
Uses
Eligible employees besides owner · Owner compensation or net profit
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Accountable plan reimbursement organizer

Estimate documented employee or owner business reimbursements for mileage, supplies, phone and home-office costs.

Quick estimate
Uses
Business miles reimbursed · Entered mileage rate · Documented supplies and software
Shows
Core result and transparent assumptions
Open calculator
Pay & withholding

Employer payroll cost estimator

Estimate gross payroll plus entered employer tax and benefit rates.

Quick estimate
Uses
Annual gross wages · Employee count · Employer payroll tax rate
Shows
Core result and transparent assumptions
Open calculator
Business planning

Sales tax calculator

Calculate tax to add or back tax out of a tax-inclusive total.

Quick estimate
Uses
Sale amount · Combined sales tax rate
Shows
Core result and transparent assumptions
Open calculator
Business planning

2026 business mileage calculator

Apply the two official 2026 business mileage rates to separately entered miles.

Quick estimate
Uses
Business miles Jan. 1–June 30 · Business miles July 1–Dec. 31
Shows
Core result and transparent assumptions
Open calculator
Business planning

Straight-line depreciation estimator

Create a simple annual and monthly straight-line depreciation estimate.

Quick estimate
Uses
Asset cost · Expected salvage value · Useful life in years
Shows
Core result and transparent assumptions
Open calculator
Business planning

Business startup cost estimator

Estimate the common initial deduction and remaining amortizable startup costs.

Quick estimate
Uses
Startup costs
Shows
Core result and transparent assumptions
Open calculator
Business planning

Bookkeeping cleanup effort estimator

Scope transaction cleanup, reconciliation and review time.

Quick estimate
Uses
Transactions to review · Average minutes per transaction
Shows
Core result and transparent assumptions
Open calculator
Compliance

Nonprofit Form 990 filing selector

Screen Form 990-N, 990-EZ, 990, 990-PF, 990-T and fiscal-year filing context while flagging organization-type exceptions.

Quick estimate
Uses
Annual gross receipts · Total year-end assets · Fiscal year-end month (1–12) · Organization type
Shows
Core result and transparent assumptions
Open calculator
Compliance

Foreign account and FBAR screener

Screen the aggregate maximum value of foreign financial accounts against the basic FBAR threshold.

Quick estimate
Uses
Maximum value—account 1 · Maximum value—account 2
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Savings goal calculator

Estimate the monthly savings needed to reach a target.

Quick estimate
Uses
Savings target · Current savings · Years to goal
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Emergency fund target calculator

Build a reserve target from essential monthly costs.

Quick estimate
Uses
Monthly housing · Monthly food and utilities · Monthly debt and insurance
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Auto loan payment calculator

Estimate fixed monthly payment and total interest.

Quick estimate
Uses
Vehicle price · Down payment and trade equity · Annual interest rate · Loan term in months
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Student loan payment estimator

Estimate standard amortized payment and an entered extra-payment scenario.

Quick estimate
Uses
Loan balance · Annual interest rate · Repayment term in years
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Credit card payoff calculator

Estimate payoff under a fixed monthly payment.

Quick estimate
Uses
Balance · Annual percentage rate · Monthly payment
Shows
Core result and transparent assumptions
Open calculator
Business planning

Rental property cash-flow estimator

Estimate monthly cash flow and simple cash-on-cash return.

Quick estimate
Uses
Monthly rent · Vacancy rate · Monthly operating expenses
Shows
Core result and transparent assumptions
Open calculator
Business planning

Business break-even calculator

Estimate units and revenue needed to cover fixed costs.

Quick estimate
Uses
Monthly fixed costs · Average selling price per unit · Variable cost per unit
Shows
Core result and transparent assumptions
Open calculator
Business planning

Gross margin calculator

Calculate gross profit, margin and markup.

Quick estimate
Uses
Revenue · Cost of goods sold
Shows
Core result and transparent assumptions
Open calculator
Business planning

Business cash runway calculator

Estimate months of runway from cash and net monthly burn.

Quick estimate
Uses
Available cash · Monthly cash expenses · Monthly cash revenue
Shows
Core result and transparent assumptions
Open calculator
Business planning

Inventory turnover calculator

Estimate turnover and days inventory held.

Quick estimate
Uses
Annual cost of goods sold · Beginning inventory · Ending inventory
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Charitable giving tax-context estimator

Apply an entered deductible percentage and marginal rate to a contribution.

Quick estimate
Uses
Cash contribution · Estimated deductible percentage
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Education credit screener

Compare entered qualified expenses with headline AOTC and LLC formulas before eligibility review.

Quick estimate
Uses
Qualified education expenses · First four postsecondary years?
Shows
Core result and transparent assumptions
Open calculator
Pay & withholding

Tax withholding gap estimator

Compare expected total tax with withholding and payments.

Quick estimate
Uses
Expected total tax · Expected annual withholding
Shows
Core result and transparent assumptions
Open calculator
Business planning

Business loan payment calculator

Estimate fixed debt service and a simple debt-service coverage ratio.

Quick estimate
Uses
Loan amount · Annual interest rate · Term in years
Shows
Core result and transparent assumptions
Open calculator
Business planning

LLC, S corporation, and C corporation tax comparison

Compare user-controlled tax assumptions across three common business tax models.

Quick estimate
Uses
Business profit before owner compensation · Modeled owner wage · Assumed individual income-tax rate
Shows
Core result and transparent assumptions
Open calculator
Business planning

Startup formation cost planner

Organize one-time formation costs and the first year of recurring compliance costs.

Quick estimate
Uses
State formation and initial-report fees · Legal and tax setup · Licenses, permits, and registrations
Shows
Core result and transparent assumptions
Open calculator
Business planning

Gig worker quarterly tax estimator

Estimate income and self-employment tax from gig receipts and business expenses.

Quick estimate
Uses
Expected annual gig receipts · Expected deductible business expenses · Assumed federal and state income-tax rate
Shows
Core result and transparent assumptions
Open calculator
Personal finance

529 plan vs. Trump Account comparison

Compare contribution projections while keeping the accounts’ different purposes and access rules visible.

Quick estimate
Uses
Annual family contribution · Years until comparison date · Annual return assumption
Shows
Core result and transparent assumptions
Open calculator
Retirement

2026 HSA eligibility and contribution estimator

Screen eligible months and estimate prorated HSA contribution room.

Quick estimate
Uses
HDHP coverage · HSA-eligible months · Age at year end
Shows
Core result and transparent assumptions
Open calculator
Personal finance

2026 Medicare IRMAA estimator

Screen 2026 Part B and Part D income-related adjustments using entered MAGI and filing status.

Quick estimate
Uses
IRMAA modified adjusted gross income · Tax filing status
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Student loan accelerated payoff calculator

Compare scheduled repayment with a fixed extra-payment strategy.

Quick estimate
Uses
Current loan balance · Weighted annual interest rate · Scheduled term remaining in years
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Income stacking tax estimator

Layer ordinary income and investment gains using transparent user-entered marginal rates.

Quick estimate
Uses
Ordinary taxable income · Long-term capital gains and qualified dividends · Assumed marginal ordinary rate · Assumed long-term gain rate
Shows
Core result and transparent assumptions
Open calculator
Business planning

2026 Section 179 eligibility and phaseout planner

Screen business use, placed-in-service spending, income, and the 2026 Section 179 phaseout.

Quick estimate
Uses
Cost of this asset · Total Section 179 property placed in service · Business-use percentage · Eligible Section 179 property?
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Home sale gain and exclusion estimator

Estimate adjusted gain and screen the common $250,000 or $500,000 main-home exclusion.

Quick estimate
Uses
Sale price · Adjusted basis before selling costs · Selling expenses · Married filing jointly and both-use test?
Shows
Core result and transparent assumptions
Open calculator
Business planning

Rental and Airbnb expense allocation estimator

Allocate shared property costs between rental and personal-use days.

Quick estimate
Uses
Shared annual property expenses · Fair-rental days · Personal-use days
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Tax-loss harvesting estimator

Model how an entered harvested loss could offset gains and a limited amount of ordinary income.

Quick estimate
Uses
Realized capital gains · Realized capital losses · Additional unrealized loss considered for sale
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Wash-sale risk screener

Screen replacement timing and substantially identical holdings around a loss sale.

Quick estimate
Uses
Loss realized or expected · Days between prior purchase and loss sale · Days between loss sale and replacement purchase · Replacement substantially identical?
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Capital-loss carryover estimator

Apply entered prior carryovers against current gains and the common annual ordinary-income limit.

Quick estimate
Uses
Short-term loss carryover · Long-term loss carryover · Current-year net capital gains before carryovers
Shows
Core result and transparent assumptions
Open calculator
Business planning

Business vehicle deduction comparison

Compare 2026 standard mileage with an entered actual-cost business allocation.

Quick estimate
Uses
Business miles Jan. 1–June 30 · Business miles July 1–Dec. 31 · Total annual vehicle costs · Business-use percentage
Shows
Core result and transparent assumptions
Open calculator
Business planning

Business deduction myth selector

Choose a common deduction claim and see the records and rule questions it actually raises.

Quick estimate
Uses
Claim to review
Shows
Core result and transparent assumptions
Open calculator
Personal finance

2026 Social Security earnings test estimator

Estimate benefits potentially withheld when working before full retirement age.

Quick estimate
Uses
2026 wages and net self-employment earnings · Monthly Social Security benefit · Full retirement age status in 2026
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Social Security claiming break-even calculator

Compare two claiming ages and entered monthly benefit estimates.

Quick estimate
Uses
Earlier claiming age · Monthly benefit at earlier age · Later claiming age · Monthly benefit at later age
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Taxable Social Security benefits estimator

Estimate the federal portion of benefits included in income using provisional-income thresholds.

Quick estimate
Uses
Annual Social Security benefits · Other adjusted gross income · Tax-exempt interest · Filing status threshold set
Shows
Core result and transparent assumptions
Open calculator
Personal finance

RMD and qualified charitable distribution planner

Estimate an RMD and show how an entered QCD could satisfy part of it.

Quick estimate
Uses
Prior December 31 account balance · Applicable IRS distribution-period divisor · Qualified charitable distribution planned
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Railroad Retirement Tier I and Tier II planner

Combine entered Tier I, Tier II, supplemental, and withholding amounts for a planning view.

Quick estimate
Uses
Monthly Tier I benefit estimate · Monthly Tier II benefit estimate
Shows
Core result and transparent assumptions
Open calculator
Personal finance

FERS and CSRS annuity estimator

Apply the standard entered-service formulas to a high-3 salary estimate.

Quick estimate
Uses
High-3 average salary · Creditable service years · Retirement system
Shows
Core result and transparent assumptions
Open calculator
Personal finance

FEHB and Medicare premium coordination planner

Compare entered FEHB premiums with Medicare Part B and Part D/IRMAA amounts.

Quick estimate
Uses
Monthly retiree FEHB premium · Monthly Medicare Part B premium per person · Covered Medicare beneficiaries
Shows
Core result and transparent assumptions
Open calculator
Personal finance

2026 Earned Income Tax Credit eligibility screener

Screen earned income, AGI, qualifying children, filing status, SSNs, and investment income against 2026 headline EITC rules.

Quick estimate
Uses
Earned income · Adjusted gross income · Qualifying children for EITC · Filing-status threshold set · Valid SSNs by the return due date?
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Federal filing status evidence selector

Organize year-end marital status, household costs, qualifying-person, and surviving-spouse facts before selecting a federal filing status.

Quick estimate
Uses
Married on the last day of the year? · Spouse died in either of the prior two years? · Qualifying child or person lived in the home? · Percentage of home costs you paid
Shows
Core result and transparent assumptions
Open calculator
Personal finance

2026 dependent care credit and FSA comparison

Compare an entered credit-rate estimate with the potential tax effect of dependent-care FSA benefits, without double counting the same expenses.

Quick estimate
Uses
Work-related qualified care expenses · Qualifying persons · Taxpayer earned income · Spouse earned income (joint return) · Dependent-care FSA benefits
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Final return and estate filing checklist

Flag final individual-return, post-death income, fiduciary-return, and estate-administration evidence for review.

Quick estimate
Uses
Income received through date of death · Income received by estate after death · Estimated gross estate assets · Executor or personal representative appointed? · All W-2, 1099, K-1, and benefit records gathered?
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Disabled dependent evidence screener

Organize disability, relationship, residency, income, support, and joint-return facts for qualifying-child or qualifying-relative review.

Quick estimate
Uses
Permanently and totally disabled? · Qualifying relationship or household-member test? · Months lived with taxpayer · Person’s gross income · Percentage of total support taxpayer provided
Shows
Core result and transparent assumptions
Open calculator
Personal finance

State move and part-year residency organizer

Organize move timing, days, domicile evidence, and income location for a state-by-state residency review.

Quick estimate
Uses
Move month (1–12) · Days in former state · Days in new state · Income sourced to former state · Income sourced to new state
Shows
Core result and transparent assumptions
Open calculator
Personal finance

FBAR and Form 8938 foreign-asset screener

Inventory foreign accounts and assets to identify which U.S. information-return reviews may be needed.

Quick estimate
Uses
Foreign bank and brokerage accounts · Highest combined foreign-account value · Other specified foreign financial assets · U.S. person for reporting purposes?
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Foreign gift and inheritance reporting screener

Organize gifts, inheritances, foreign estates, and transfers received by a U.S. person.

Quick estimate
Uses
Total received during the year · Received from a foreign individual or estate? · Inheritance from a foreign estate?
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Foreign mutual fund and PFIC risk screener

Flag foreign pooled investments that may require Form 8621 and specialist tax review.

Quick estimate
Uses
Foreign mutual fund, ETF, or pooled investment? · Highest value held · Distribution or sale during the year?
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Foreign-property sale tax organizer

Prepare basis, sale proceeds, foreign tax, currency, residency, and reporting records for property outside the United States.

Quick estimate
Uses
Sale proceeds in USD · Adjusted basis in USD · Was the property rented or business-used? · U.S. citizen or resident when sold?
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Cryptocurrency tax organizer

Organize wallet transfers, sales, swaps, staking, mining, airdrops, basis, and Form 8949 records.

Quick estimate
Uses
Digital-asset sale and exchange proceeds · Known cost basis · Wallet-to-wallet transfers included?
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Business tax deadline calendar generator

Create a planning calendar for entity, payroll, sales-tax, estimated-tax, state, and information-return obligations.

Quick estimate
Uses
Entity type · State/payroll filing frequency · Payroll processed?
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Nonprofit revocation risk checker

Screen missed annual filings and IRS status signals before automatic exemption revocation becomes an emergency.

Quick estimate
Uses
Consecutive required annual filings missed · IRS status currently verified?
Shows
Core result and transparent assumptions
Open calculator
Personal finance

Nonprofit reinstatement pathway tool

Organize the facts and records needed to discuss postmark, streamlined, or reasonable-cause reinstatement options.

Quick estimate
Uses
Required returns missed · Average annual gross receipts under $50,000?
Shows
Core result and transparent assumptions
Open calculator

A useful estimate should show its limits.

These tools are designed to make inputs, assumptions and next questions easier to see. They are planning aids—not replacements for a completed return, plan document or professional review.

Talk through the numbers