Money & Finance
Plan a home purchase, a paycheck, an early-retirement number, or a way out of debt.
Self-Employed Mortgage Affordability
How much house you can afford on 1099 income — the 2-year average method with add-backs, the declining-income rule, and DTI limits underwriters actually use.
Open calculator FinancePaycheck Calculator by State
Take-home pay for any US state — 2026 federal brackets, FICA, and state income tax, broken down per paycheck for your pay schedule.
Open calculator FinanceFIRE & Compound Interest Planner
Project your portfolio to your financial-independence number (the 25× rule), see the crossover year, and test inflation-adjusted returns.
Open calculator FinanceDebt Payoff Planner
Avalanche vs snowball, side by side — debt-free date, total interest, and how much the smarter order saves you, with the rollover method built in.
Open calculator FinanceSelf-Employment Tax Calculator
The 15.3% self-employment tax on 1099 income, worked like Schedule SE — the 92.35% adjustment, the Social Security wage-base cap, and the deductible half.
Open calculator FinanceQuarterly Estimated Tax
What to send the IRS every quarter on 1099 income — self-employment + income tax, the safe-harbor rule, and your four 2026 due dates.
Open calculator FinanceFreelance Hourly Rate
What to charge as a 1099 contractor — turn a target take-home into an hourly rate that actually covers taxes, unpaid time off, and benefits.
Open calculator FinanceRent vs Buy
The real multi-year cost of buying vs renting and investing the difference — total cost, equity built, and the break-even year for how long you'll stay.
Open calculator FinanceEmergency Fund
How big your safety net should be and how long it'll take to build — months of expenses covered, the gap to your goal, and your funded date.
Open calculatorLegal & Business
Start a company, read a contract, or bill a client.
LLC Formation Cost by State
What an LLC really costs where you live — filing fee, annual report, franchise tax, and the publication requirement in NY, AZ, and NE — over year one and five years.
Open calculator LegalContract Readability Scorer
Paste any contract and get its reading grade, passive-voice load, and legalese density — with plain-language fixes. The text never leaves your browser.
Open tool BusinessFreelance Invoice Generator
Fill in line items, get a clean professional invoice, and print or save it as a PDF. No signup, no watermark — the invoice lives in a shareable link.
Open toolInsurance, Home & Health
Estimate a premium, a renovation's payback, or your daily calories and macros.
Term Life Premium Estimator
A ballpark monthly range for term life by age, sex, term, and coverage — shown as a band, because a real premium always depends on full underwriting.
Open calculator HomeHome Renovation ROI
Which projects pay you back — cost vs resale value added across 13 common renovations, from the national Cost-vs-Value data, with your project highlighted.
Open calculator HealthTDEE & Macro Calculator
Your maintenance calories via the Mifflin-St Jeor equation, a goal-adjusted target, and protein/fat/carb grams for the split you pick. Metric or imperial.
Open calculatorGuides & explainers
Fourteen plain-English deep-dives that pair with the calculators — how each number is actually worked out, across money, taxes, business, debt, insurance, and health.
Self-employed mortgages
Paychecks & taxes
Starting an LLC
Debt & early retirement
Insurance & health
No accounts. No servers. No catch.
Everything runs in your browser
Each calculator is a single self-contained page. The math happens on your device — there's no backend that could receive your numbers, so there's nothing for us to store or leak.
Your results live in a link
Hit "copy link" and your inputs are encoded into the URL itself. Bookmark it or send it — that link is the only place your scenario exists.
Honest by design
Every tool shows the formula it uses and dates its data. Estimates are labeled as estimates. Nothing here is financial, legal, or medical advice.