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Financial & Payroll Calculators

24 tools

All 24 calculators

HOURLY

Hourly Wage Calculator

Convert an hourly rate into weekly, monthly and annual pay, with the hours assumptions made explicit.

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SALARY

Salary to Hourly Converter

Turn an annual salary into an hourly rate using your real working hours.

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PAYCHECK

Paycheck Calculator

Take-home pay after federal income tax, FICA and state tax, per paycheck and per month.

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FEDERAL

Federal Income Tax Calculator

Federal tax by bracket with marginal and effective rates, using 2025 brackets and deductions.

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STATE

State Income Tax Calculator

State income tax from a preset rate or your own, with the no-tax states flagged.

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FICA

Social Security Tax Calculator

The 6.2% Social Security portion, capped at the annual wage base.

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MEDICARE

Medicare Tax Calculator

The 1.45% Medicare tax plus the 0.9% additional tax above the high-income threshold.

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OVERTIME

Overtime Pay Calculator

Weekly pay with regular, time-and-a-half and double-time hours separated.

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BONUS

Bonus Tax Calculator

Withholding on a bonus under the 22% supplemental rate or the aggregate method.

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BUDGET

Small Business Budget Calculator

Monthly budget from revenue and six expense categories, with each line as a share of revenue.

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CASH FLOW

Cash Flow Forecast Calculator

Project month-by-month cash from a starting balance plus monthly inflows and outflows.

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BURN

Burn Rate Calculator

Monthly net burn and runway from cash movement and current reserves.

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STARTUP

Startup Cost Calculator

First-year funding need from one-time setup plus recurring monthly costs.

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LOAN

Business Loan Calculator

Monthly payment and total interest for a fixed-rate business loan.

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INTEREST

Interest Rate Calculator

Simple versus compound interest, with the effective annual rate for each compounding frequency.

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AMORT

Amortization Schedule Generator

Full amortization with the first 12 payments and interest by year, plus totals.

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DEPRECIATION

Depreciation Calculator

Straight-line or double-declining depreciation for equipment and vehicles.

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FREELANCE

Freelance Rate Calculator

The hourly rate you need to hit a target income after costs and self-employment tax.

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CONTRACTOR

Contractor Hourly Rate Calculator

Contract rate from desired take-home, self-employment tax and overhead.

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1099/W2

1099 vs W-2 Calculator

Net income comparison between contract and employee work at the same gross pay.

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SELF-EMP

Self-Employed Income Calculator

Net profit and post-SE-tax income from revenue and business expenses.

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INVOICES

Invoice Payment Tracker

Paste invoices with amounts and days overdue to see outstanding, overdue and 30+ day totals.

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EXPENSES

Expense Reimbursement Calculator

Mileage plus itemised expenses totalled for a reimbursement claim.

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RETIREMENT

Retirement Contribution Calculator

Projected balance from monthly contributions, employer match and compounding, with 2025 limits.

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What you can calculate here

Twenty-four calculators for pay and business finance: hourly-to-salary conversion, paycheck withholding, federal and state tax estimates, FICA, overtime and bonuses; plus budgets, cash-flow forecasts, burn rate, loan amortization, depreciation and freelancer pricing.

How to use these tools

Each calculator asks for plain numbers you already have — price, cost, weight, hours, rate — and returns the figure that decides the decision: margin, break-even volume, take-home pay, runway. Every page states its formula and its assumptions, so you can check the arithmetic instead of trusting a black box.

Frequently Asked Questions

Are these tax figures official?

They are estimates using 2025 federal brackets and standard deductions, plus simplified state rates. They are not tax advice — confirm with a CPA or the IRS before filing.

Why does my paycheck differ from the calculator?

Withholding depends on your W-4 elections, pre-tax benefits, local taxes and employer payroll systems. The calculator shows the underlying liability, which is usually close but rarely to the cent.

Is my salary data stored?

No. Every calculation happens in your browser; nothing is transmitted.