Small Business Growth & Operations

Convert salary or hourly pay across frequencies and estimate 2025/2026 US federal, payroll, optional state/local tax, 401(k), and take-home pay.

Convert hourly and annual pay in both directions, model overtime, and estimate 2025 or 2026 US take-home pay with explicit tax and deduction assumptions.

Estimate US federal income tax for 2025–2026. See federal tax owed, effective and marginal rates, and after-tax income by filing status.

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

Calculate percentages in seven modes with visible formulas, strict input validation, signed percentage change, and symmetric percentage difference.

Calculate total ROI and net gain or loss, then use CAGR for endpoint-only investments or money-weighted IRR for explicit year-end contributions.

Calculate the theoretical break-even point and minimum whole sellable units, plus target-profit volume, contribution margin, and signed margin of safety.

Calculate gross profit and operating profit or loss from net revenue, cost of sales, and operating expenses for one consistent period.

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

Convert an entered unit cost and markup-on-cost percentage into markup amount, selling price, and equivalent gross margin with visible steps.

Simple in-browser notepad with auto-save. Write quick notes that persist in your browser. Download as text file. No signup needed.

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

Compare two complete quotes by dividing each total cost by its whole-unit quantity, with a signed per-unit difference and no invented scale assumptions.

Calculate profit margin from revenue and cost. Get margin percentage and profit amount for business analysis. Free online calculator with instant

Calculate monthly side-business cash surplus, a chosen reserve and returns per recorded hour. Keep losses visible and save documented comparisons.

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

Include unit costs, order costs and payment fees in a contribution-based price floor, then test operating profit and minimum whole-order sales targets.

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