Bookkeeping & Finance Tools that actually save you time

Calculate employee paychecks with 2026 federal brackets, FICA, and all 50 state taxes.

💼

Payroll Tax Estimator

Full payment schedule with exact dates, odd-days interest, and bank-matching accuracy.

IRS Form 1040-ES estimated payments for 2026. Covers all filing statuses and SE income.

📅

Quarterly Tax Calculator

Gross, operating, and net margins with markup percentage — all in one view.

📈

Profit Margin Calculator

Full PITI payment breakdown with PMI, property tax, and insurance.

🏠

Mortgage Calculator

Combine unlimited PDFs into one file. No page limits. Drag to reorder. No watermarks.

📑

PDF Merge — Free

Merge PDFs → →

Full paycheck calculation with 2026 brackets, all 50 states, FICA, and pre/post-tax deductions.

💼

Payroll Tax Estimator

Regular, overtime (1.5×), and double time pay. FLSA compliant with California rules.

⏰

Overtime Calculator

Gross to take-home pay with all taxes, deductions, and state income tax.

💵

Net Pay Calculator

Hourly ↔ Salary Converter

🔄

Convert hourly to annual salary across all pay periods.

Convert →

🌴

PTO Calculator

PTO accrual balance and payout value by any accrual method.

2026 contribution limits, employer match, and projected retirement balance.

🏦

401(k) Calculator

Business sales tax with Virginia regional rates and dealer discount.

2026 estimated quarterly payments for freelancers and self-employed.

📅

Quarterly Tax (1040-ES)

SE tax 15.3%, deductible half, and quarterly schedule for 1099 workers.

📋

Self-Employment Tax

True employer cost comparison including FICA, benefits, and PTO cost.

⚖️

1099 vs W-2 Calculator

Restaurant meals tax for all 51 states with county-level Virginia rates.

🍽️

Meals Tax Calculator

Upload Amazon, Shopify, or eBay reports. Auto-sorts by state & county. Generates ready-to-file reports for all 50 states.

🛒

E-Commerce Sales Tax

Gross, operating, and net margins with markup analysis.

📈

Profit Margin Calculator

Units and revenue needed to cover all fixed and variable costs.

⚖️

Break-Even Calculator

Return on investment, annualized ROI, payback period.

📊

ROI Calculator

Monthly payment, total cost, and full amortization schedule.

🏛️

Business Loan Calculator

Monthly burn rate and months of cash remaining for startups.

🔥

Burn Rate & Runway

Convert between markup % and margin %. 3 calculation modes.

🏷️

Markup vs Margin

Invoice Late Fee Calculator

📄

Late fees, interest charges, and payment terms by state.

Accounts receivable report — current, 30, 60, 90+ day buckets.

Operating, investing, and financing cash flow statement.

💧

Cash Flow Calculator

Straight-line, DDB, SYD with full depreciation schedule.

📉

Depreciation Calculator

Full PITI payment with PMI, taxes, and insurance breakdown.

Full schedule with exact dates, odd-days interest, CSV export.

Investment growth with monthly contributions over time.

📈

Compound Interest

Avalanche vs snowball — fastest path to debt freedom.

🏃

Debt Payoff Calculator

50/30/20 rule analysis for needs, wants, and savings.

📝

Budget Planner

Monthly savings needed to reach any goal by a target date.

🎯

Savings Goal Calculator

JPG, PNG, Word, Excel, and text files → PDF. Multiple files into one document.

Convert →

Merge unlimited PDFs with no page limits. Drag to reorder. 100% free, no watermarks ever.

📑

PDF Merge — Unlimited

Merge →

🔄

PDF → Word / Excel / JPG

Convert PDF pages to images or extract text to Word and Excel files.

Convert →

🔒

100% Private & Browser-Based

Every tool runs entirely in your browser. Your financial data and PDF files never touch a server. No accounts, no tracking, no risk — ever.

✅

2026 Tax Rates — Always Current

Every rate is sourced directly from IRS Publication 15, the SSA, and state revenue departments. Rates are updated every January to match the current tax year.

🧑‍💼

Built by a Real Bookkeeper

Not a tech company — these tools are built and maintained by a US bookkeeper with 17+ years of hands-on experience with QuickBooks and real small business clients.

How It Works

Get your answer in 30 seconds

No software to install, no signup, no learning curve. Just type your numbers and get professional results.

Pick a Tool

Browse by category or use Quick Jump. 35+ tools organized clearly.

Enter Numbers

Type your salary, loan amount, costs, or whatever the tool needs.

Click Calculate

Results appear instantly — broken down line by line with color coding.

Print or Export

Print your results or export to CSV. Share with clients or your accountant.

Guides & How-To Articles

Learn how to use the tools

Step-by-step guides for the finance calculators that can be tricky to use correctly.

All Articles →

LOAN & MORTGAGE8 min read

How to Read a Loan Amortization Schedule — And Why It Matters

Learn how each payment splits between principal and interest, what odd-days interest means, and how extra payments can save thousands.

Quarterly Estimated Taxes 2026: The Self-Employed Person's Complete Guide

TAXES10 min read

Who needs to pay, how to calculate, the 4 due dates, and how to avoid underpayment penalties — explained step by step.

1099 vs W-2: What It Really Costs to Hire an Employee vs Contractor

PAYROLL7 min read

The true cost difference is often 25-35% more for W-2 employees. Here's exactly how to calculate it and make the right hiring decision.

How to Calculate Invoice Late Fees (And Collect Them)

BOOKKEEPING6 min read

State-by-state rules for late payment interest, how to write your payment terms, and scripts for following up on overdue invoices.

Understanding Your AR Aging Report: What Each Bucket Means

BOOKKEEPING7 min read

How to read accounts receivable aging, what the 30/60/90 day buckets mean for cash flow, and when to send invoices to collections.

QuickBooks Bank Reconciliation: Step-by-Step Guide for Small Business

QUICKBOOKS9 min read

How to reconcile your bank account in QuickBooks Online — common errors, what to do when it doesn't balance, and best practices.