Practical calculators for clearer financial decisions.
Use free educational calculators for taxes, withholding, retirement, cash flow, borrowing, and business planning from a Houston CPA.
Estimated Quarterly Tax Calculator
Estimate quarterly federal tax payments for self-employed income and start a more informed tax planning conversation.
Estimated Quarterly Tax CalculatorPaycheck Withholding Calculator
Compare estimated annual federal tax with paycheck withholding and identify questions to discuss with a tax professional.
Paycheck Withholding CalculatorMonthly Cash Flow Calculator
Estimate monthly cash flow, spending, and savings capacity with this free educational budgeting calculator.
Monthly Cash Flow CalculatorLoan Payoff Calculator
Calculate amortized loan payments and see how extra principal may change total interest and payoff timing.
Loan Payoff CalculatorBusiness Break-Even Calculator
Estimate the sales volume a small business needs to cover fixed and variable costs.
Business Break-Even CalculatorStartup Runway Calculator
Estimate how many months a business can operate using its current cash balance and monthly burn rate.
Startup Runway CalculatorSelf-Employment Tax Calculator
Estimate Social Security and Medicare tax on contractor, freelance, or sole proprietorship income.
Self-Employment Tax CalculatorCapital Gains Tax Calculator
Estimate federal tax on short-term and long-term asset gains and check possible net investment income tax.
Capital Gains Tax CalculatorHome Office Deduction Calculator
Compare the simplified home-office deduction with an estimate based on actual business-use expenses.
Home Office Deduction CalculatorEstimated Tax Payment Calendar
Create an educational schedule of quarterly estimated federal tax installments and due dates.
Estimated Tax Payment CalendarRoth Conversion Tax Calculator
Estimate the federal income-tax impact of converting traditional retirement savings to a Roth IRA.
Roth Conversion Tax CalculatorRetirement Contribution Calculator
Review educational contribution limits for IRAs, SEP IRAs, and individual 401(k) plans.
Retirement Contribution CalculatorRequired Minimum Distribution Calculator
Estimate a required minimum distribution for a traditional IRA or retirement plan using IRS life-expectancy tables.
Required Minimum Distribution CalculatorRetirement Readiness Calculator
Project retirement savings and compare a future nest egg with an educational retirement-income target.
Retirement Readiness CalculatorSocial Security Timing Estimator
Compare illustrative Social Security claiming ages and estimated lifetime benefits.
Social Security Timing EstimatorPaycheck Withholding Health Check
Review whether paycheck withholding may need attention before the next federal tax return is due.
Paycheck Withholding Health CheckBusiness Cash Reserve Calculator
Estimate a target business cash reserve based on recurring expenses and desired months of coverage.
Business Cash Reserve CalculatorEmployee vs. Contractor Cost Calculator
Compare an employee’s estimated fully loaded cost with an independent contractor arrangement.
Employee vs. Contractor Cost CalculatorEquipment Depreciation Calculator
Compare educational first-year equipment deductions using Section 179 and bonus depreciation assumptions.
Equipment Depreciation CalculatorTarget Profit Calculator
Estimate the sales volume required for a business to cover costs and reach a target profit.
Target Profit CalculatorHiring Affordability Calculator
Estimate the additional revenue a business may need to support the cost of a new employee.
Hiring Affordability CalculatorBusiness Entity Comparison Guide
Compare general features of sole proprietorships, LLCs, S corporations, and C corporations.
Business Entity Comparison GuideS Corporation Salary Calculator
Explore an educational comparison of S corporation wages, payroll costs, distributions, and possible tax effects.
S Corporation Salary CalculatorTax Document Checklist
Build a printable checklist of common tax documents to organize before meeting with a CPA.
Tax Document ChecklistIRS Notice Triage Guide
Identify practical first steps, deadlines, and records to gather after receiving an IRS notice or letter.
IRS Notice Triage Guide