CalcWise Calculator Library
Every CalcWise calculator in one place: finance, tax, depreciation, bookkeeping, payroll, retirement, cash flow, and loans for U.S. self-employed people and small businesses.
56 Total
7 Live
49 Planned
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Business Taxes
7Estimate what you'll owe and set money aside before it's due.
Self-Employed Health Insurance Deduction Calculate your above-the-line self-employed health insurance deduction with the Form 7206 worksheet, S-corp flow-through rules, and LTC age limits. Planned
Home Office Deduction Compare the simplified and actual home office deduction methods side by side, with the IRS formula, Form 8829, and exclusive-use test. Planned
Mileage Deduction Compare the IRS standard mileage rate vs actual expense method side by side, with the business-use percentage and first-year method lock rule. Planned
Net Investment Income Tax Calculate your 3.8% Net Investment Income Tax on investment income above the $200k/$250k MAGI thresholds. Planned
QBI Deduction Calculate your Qualified Business Income 20% deduction under Section 199A. See how SSTB classification, income thresholds, and W-2 wage limits apply. Planned
Depreciation & Assets
5Write off equipment the right way, with the full schedule shown.
Vehicle Tax Depreciation Calculate the tax depreciation of a business vehicle under Section 280F. See the luxury car caps, SUV exceptions, and bonus depreciation interaction. Planned
Section 197 Amortization Calculate the 15-year straight-line amortization of Section 197 intangibles: goodwill, trademarks, customer lists, and patents. Planned
Bookkeeping & Margins
2Keep the books straight and price with confidence.
Profit Margins & Markup Calculate gross margin, operating margin, net profit margin, and the markup-vs-margin relationship in one tool. Planned
Break-Even Point Calculate your break-even point in units and revenue dollars. See the contribution margin, margin of safety, and what-if scenarios. Planned
Pricing & Invoicing
12Price every job and invoice with the math behind the number.
Freelance Hourly Rate Calculate the hourly rate you need to charge to hit your target take-home pay, accounting for non-billable time, overhead, and self-employment tax. Planned
Project / Flat-Rate Pricing Price a flat-rate project with confidence: estimate hours, apply your loaded rate, add a scope buffer, and see the margin before you send the quote. Planned
Retainer Pricing Size a monthly retainer that covers expected hours, builds in availability, and sets a clear overage rate so scope creep doesn't erode your margin. Planned
Early Payment Discount (Net 30 APR) See the true annualized cost of offering a 2/10 net 30 early payment discount, so you know what you're actually paying for faster cash. Planned
Discount Impact Analyzer See what a percentage discount does to your gross profit and how much more volume you need to sell to break even. Planned
Payment Terms Impact Compare how different payment terms (Net 15, 30, 60, 90) affect your cash flow and carrying cost. Planned
Late Payment Cost (Carrying Cost) Calculate the real carrying cost of overdue invoices: interest, opportunity cost, and collection effort, not a statutory late fee. Planned
Billable Utilization Rate Calculate what percentage of your time is billable, set a target utilization rate, and see how non-billable hours affect your effective rate. Planned
Target Billable Hours Figure out how many billable hours you need to work each week to hit your target income, given your rate and utilization. Planned
Capacity Planning (Service Business) See whether you can take on another client based on your team's available hours, utilization rate, and current commitments. Planned
Realization Rate Calculate your realization rate: the percentage of your standard billing rate that you actually collect, after write-offs and discounts. Planned
Effective Hourly Rate Calculate your effective hourly rate: what you actually earned per hour worked, including unpaid admin and non-billable time. Planned
Job Costing & Projects
7Bid, track, and price jobs so each one makes money.
Labor Burden Calculator Calculate the fully loaded cost of an hour of labor: gross wage plus payroll taxes, workers' comp, benefits, and overhead allocation. Planned
Job Cost Estimator (Construction) Build a job cost estimate from materials, labor burden, subcontractors, equipment, and overhead, with a profit margin on top. Planned
WIP Schedule (Construction) Calculate your work-in-progress schedule using the AICPA percentage-of-completion method: earned revenue, costs to date, and over/under-billing. Planned
Progress Billing Calculator Calculate an AIA-style progress billing: percent complete, retainage held, prior billings, and amount due this period. Planned
Overhead Allocation Calculator Allocate overhead to jobs using your chosen base (direct labor hours, machine hours, or cost), so each job carries its fair share of indirect costs. Planned
Equipment Cost Per Hour Calculate the true hourly cost of owning and operating a piece of equipment: depreciation, fuel, maintenance, operator, and overhead. Planned
Project Break-Even (Construction) Calculate the break-even point for a construction project: how much revenue you need to cover committed costs before you see profit. Planned
Payroll & Owner Pay
11Pay yourself and your team correctly, down to the paycheck.
S-Corp Reasonable Salary Build a documented reasonable compensation analysis for your S-corp using IRS factors: comparable salaries, duties, hours, and revenue. Planned
Owner's Draw vs Salary Compare your take-home cash as an owner's draw vs W-2 salary plus distributions. See the after-tax difference in your pocket. Planned
Fully Loaded Employee Cost Calculate the true cost of an employee: salary plus employer payroll taxes, benefits, workers' comp, equipment, and overhead. Planned
FLSA Overtime Calculator (Employer Cost) Calculate overtime pay using the FLSA regular-rate-of-pay rule, including bonuses and shift differentials, and see the employer cost per hour. Planned
Employee Turnover Cost Calculate the full cost of replacing an employee: separation, recruitment, training, and lost productivity, using the SHRM methodology. Planned
Bonus Tax (Employer Gross-Up) Calculate the gross-up needed to deliver a target net bonus after federal supplemental withholding, using IRS Pub. 15-T rules. Planned
1099 vs W-2 Cost Comparison Compare the fully loaded cost of a 1099 contractor vs a W-2 employee at the same hourly rate, including payroll taxes, benefits, and classification risk. Planned
Workers' Comp Cost (Methodology) Calculate workers' compensation cost using your state rate, class code, and payroll, with the experience modification factor. Planned
Safe Distribution Amount (S Corp) Calculate how much you can safely distribute from your S-corp without triggering excess-distribution tax, based on stock basis, AAA, and E&P. Planned
Profit Distribution (Multi-Owner) Calculate how to split profit among multiple owners: ownership percentages, special allocations, guaranteed payments, and K-1 implications. Planned
Cash Flow & Planning
6Know what's coming and how long the runway lasts.
Tax Set-Aside Calculate how much to set aside for taxes on every 1099 paycheck. See your recommended savings percentage and dollar amount per pay period. Planned
Cash Runway & Burn Rate Calculate your cash runway and burn rate in one tool. See how many months until cash runs out and what extends your runway. Planned
Profit First Allocation Split every deposit across tax, operating expenses, profit, and owner pay using target allocation percentages, so you set money aside before you spend it. Planned
Business Emergency Fund Target Calculate how many months of operating expenses to keep in reserve, and how much to set aside each month to hit your target. Planned
Sinking Fund (Planned Purchases) Calculate how much to set aside each month for planned purchases: equipment replacement, taxes, insurance, and irregular expenses. Planned
Cash Position Projection (13-Week) Project your cash position week by week for the next 13 weeks, so you can see a shortfall coming and arrange financing before you're out of cash. Planned
Entity & Setup
2Compare business structures and how each is taxed.
Startup Cost Amortization Calculate your first-year startup cost deduction under Section 195: the $5,000 immediate deduction, $50,000 phase-out, and 180-month amortization. Planned
Retirement (Self-Employed)
2Save for retirement as your own boss, within the limits.
SEP-IRA Contribution Calculate your SEP-IRA contribution limit from Schedule C net profit, with the 20% effective rate and the annual IRS cap shown step by step. Planned
Solo 401(k) Contribution Calculate your Solo 401(k) contribution limit from self-employment income, with the employee deferral, employer profit-sharing portion, and total cap. Planned
Loans & Financing
2Understand the real cost of borrowing before you sign.
SBA Loan Calculate your SBA 7(a) or 504 loan payment with guarantee fees, CDC fees, and the full amortization schedule. Planned
Business Loan Calculate your business loan monthly payment, total interest, and effective APR with the full amortization schedule. Planned