Small Business Setup & Legal Planning

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Itemize launch costs and deposits, compare committed funding, then model monthly cash balances and the upfront cash needed to maintain a chosen floor.

Allocate a current Form 1040-ES annual payment target after expected withholding, applicable credits, and confirmed estimated payments already made.

Calculate fixed-rate loan payments, total interest, amortization, and extra-principal savings. Enter principal, annual note rate, and term; fees are excluded.

Build a dated net-worth statement from eight asset and liability categories, using owned values minus owed balances without liquidity or health scoring.

Compare debt avalanche and snowball payoff plans with a fixed monthly budget, rolled-over payments, payoff dates, and interest estimates.

Allocate exactly 100% of monthly income, compare non-negative actual spending, expose fixed-dollar extras, and review transparent balances and planning ratios.

Stress-test entered underlying and umbrella liability limits against one hypothetical covered-cost scenario and budget an actual quote without deriving a limit from net worth.

Reconcile entered disability policy benefits, other verified resources, offsets, taxes, essential expenses, and elimination-period resources without estimating premiums or recommending coverage.

Model an hourly revenue floor from owner pay, overhead, a user-entered annual reserve, billable capacity, and target operating margin.

Create a browser-stored invoice draft with line items, cent-rounded totals, one discount and tax rate, notes, branding, and a print/save-as-PDF layout.

Budget annual and first-year employee costs, calculate cost per productive hour, and estimate US employer payroll components with 2025–2026 wage caps.

Calculate one flat or progressive commission plan for an explicitly labeled sales period, including same-period base pay without automatic annualization.