Finance Calculators

🧾 Quarterly Tax Calculator Calculate estimated quarterly tax payments for self-employed, 1099, or freelance income — including self-employment tax, federal income tax, and state tax. Sources: IRS Pub. 505, Schedule SE, Form 1040-ES. 🧾 Self-Employed / 1099Freelance & gig workers 💼 W-2 + Side IncomeJob + freelance combo 🛡️ Safe HarborPenalty-proof method SE Tax = […]

🏦 Roth IRA Conversion Calculator Estimate the tax cost of converting a Traditional IRA or 401(k) to a Roth IRA — plus long-term growth comparison, backdoor Roth pro-rata calculation, and a multi-year conversion ladder planner. Sources: IRS 2025 brackets, Fidelity, Vanguard. 💰 Tax ImpactFull conversion analysis 🔄 Backdoor RothPro-rata rule calculator 📅 Conversion LadderMulti-year planner

💰 Tip Calculator Three modes: restaurant tip with bill split, proportional group split, and a tipping guide by service type with suggested rates. 🍽️ RestaurantTip + bill split 👥 Split BillPer-person amounts 🏨 By ServiceTipping guide Tip = Bill × Rate | Total = Bill + Tip | Per Person = Total ÷ Guests 🧾

🧾 Sales Tax Calculator Calculate exact sales tax on any purchase, work backwards from a tax-included total, or run a full multi-item business invoice. Standard: Tax = Price × Rate  |  Reverse: Pre-tax = Total ÷ (1 + Rate)  |  Total = Price + Tax 🛒 Standard (Add Tax) 🔄 Reverse (Remove Tax) 💼 Business

🏦 Free Retirement Savings Calculator Estimate how much you need to retire. Uses the standard FV accumulation formula, inflation adjustment, and the 4% Rule. Includes Social Security offset and gap analysis. 📋 Your Profile Current Age Retirement Age Life Expectancy (age) Annual Income (pre-tax, $) 💰 Savings & Contributions Current Savings ($) Annual Contribution ($)

💵 Salary to Hourly Calculator Convert annual salary to hourly rate — base rate, effective rate (adjusted for breaks and unpaid PTO), and overtime. Sources: OPM, FLSA, BLS. Base Rate = Annual Salary / (Hours/Week x Weeks/Year)  |  Effective Rate = Salary / Paid Hours (after breaks & PTO)  |  OT Rate = Base Rate

💵 Free Inflation Calculator Check purchasing power using real BLS CPI-U data (1913–2024), or project future value with a custom inflation rate. 📅 Historical CPI 🔮 Future Projection Formula: Adjusted Value = Initial Amount × (CPI_End ÷ CPI_Start)  |  Source: BLS CPI-U Initial Amount ($) Dollar amount to adjust CPI Index CPI-U (General — most

🏙️ Cost of Living Calculator 2026 Compare cities using C2ER COLI indices. See the salary you need and your real purchasing power after inflation and taxes. SalaryNew = SalaryCurrent × (COLINew ÷ COLICurrent) × (1 + inflation)  |  Real Wage = SalaryNew ÷ (1 + inflation) × (1 − Tax Rate) 🏠 Cities Current City

🧾 2026 Side Hustle Tax Calculator Estimate your self-employment tax, federal income tax, and quarterly payments using the exact IRS Schedule SE formula. 💰 Your Income Net Side Hustle Profit ($) Gross revenue minus all business expenses (Schedule C line 31) W-2 Wages from Day Job ($) Enter 0 if you have no employer job

🧮 2026 Tariff Impact Calculator Enter your spending by category to estimate your 2026 tariff cost. Formula: Cost = Spending × Tariff Rate × Pass-Through (φ) 🏠 Annual Household Income ($) Used to calculate your tariff burden % of income 📊 Pass-Through Rate φ 90% 60% Conservative 100% Full Default 90% · Richmond Fed EB