Free Planning Tools
Tax tools for business owners.
Free calculators built around the decisions that actually move the needle — retirement contributions, business exits, and year-end tax planning. No sign-up required.
30+ free tools.
No sign-up required.
Entity & salary · Cash & estimates · Exit & acquisition · Employees & equity
Is my entity and salary right?
Make sure your structure is set up to actually save money
Read the guideEntity Structure Analyzer
Compare sole prop, LLC, S-corp, and C-corp structures side by side. See estimated self-employment tax, corporate tax, and net take-home at your income level.
S-Corp Salary Calculator
Find an IRS-defensible W-2 salary range for your S-corp based on revenue, role, and industry. See exactly how much self-employment tax you save.
Reasonable Compensation Estimator
Estimate an IRS-defensible W-2 salary range based on your role, industry, and revenue. See your self-employment tax savings and audit risk in one view.
Self-Employment Tax Calculator
See exactly what you're paying in SE tax as a sole prop — and how much an S-corp election could save you at your income level. Includes the S-corp break-even threshold.
QBI Deduction Calculator (§199A)
See how much of the 20% pass-through deduction you actually qualify for. Find out if your income level, business type, or S-corp salary is limiting the §199A deduction — and what changes it.
California PTET Calculator
The $10k SALT cap is quietly eliminating most of your California state tax deduction. The Pass-Through Entity Tax election moves that deduction to the entity level — no cap. See your annual savings in seconds.
What do I owe, and where does the cash go?
Stay on top of tax payments and build a wealth plan from business income
Read the guidePer-Payment Tax Reserve Calculator
You just got paid — how much goes to taxes right now? Enter the payment amount and get an exact dollar split: tax reserve, operating, and profit. Based on the Profit First method.
Quarterly Estimate Planner
See all four quarterly estimated tax amounts and due dates upfront. Know exactly when to pay and how much — no more guessing or penalties.
Year-Round Tax Calendar
The full year of tax deadlines, planning windows, and CPA action items. See when to plan instead of reacting in March.
Business Cash Planner
See how much cash your business actually needs as an operating reserve — and what your real options are for the rest. Retirement, distributions, or leave it: see the tax impact side by side.
Retirement Contribution Maximizer
Find your maximum Solo 401(k), SEP-IRA, or SIMPLE IRA contribution based on your self-employment income. See estimated tax savings and after-tax cost at your marginal rate.
Home Office & Vehicle Deduction Calculator
Compare both IRS methods for home office (simplified vs. regular) and vehicle (standard mileage vs. actual). See which saves more — and discover the self-employment tax savings most sole props don't realize they're leaving on the table.
Vehicle Purchase Tax Deduction Planner
See exactly what you can deduct when you buy a vehicle for your business — §179, bonus depreciation, the 6,000 lb rule, and luxury auto limits. Search by year, make, and model.
Short-Term Rental Tax Analyzer
Is your Airbnb or VRBO passive or non-passive? Enter your average stay, personal use days, and hours of involvement to see whether the 7-day rule applies and whether losses can offset your ordinary income.
Rental PAL Calculator
How much of your rental loss is actually deductible this year? The $25k allowance phases out above $100k AGI. Enter your rental income, expenses, and depreciation to see what's deductible versus suspended in carryforward.
Business Trip Deduction Analyzer
Enter your trip days and expenses to see exactly what's deductible. Shows the primary purpose test, the all-or-nothing airfare rule, and the marginal cost of adding personal days.
Solo Service Business Deduction Gap Finder
See which deductions you're probably missing as a self-employed service provider — with estimated dollar values at your income level. Home office, vehicle, retirement, QBI, and more.
Year-End Tax Planner
See the dollar value of every tax move still available before December 31 — retirement contributions, Section 179 equipment, California PTET, and deductions you might be leaving on the table.
Planning for an exit or acquisition?
Model the tax and structure before you sign anything
Read the guideDeal Structure Simulator
See exactly what you net in an asset deal vs. a stock deal vs. an installment sale — side by side. The gap on a $3M sale is often $300K–$500K, and it's set in the LOI.
Exit Tax Estimator
Estimate the federal and California capital gains tax on a business sale — including ordinary income recapture and net investment income tax.
QSBS Eligibility Checker
A sequential decision-tree that checks whether your C-corp shares likely qualify for the §1202 exclusion — up to $10M in gain excluded from federal tax. No sign-up required.
Pre-LOI Readiness Checklist
About to sign a Letter of Intent on a business acquisition? Five questions about your stage, deal structure, financing, working capital, and due diligence — get a personalized list of LOI provisions to nail down before signing, with the critical ones flagged.
Running a business with employees?
Model the true cost of a hire and understand your payroll tax obligations
Read the guideEmployee Cost Calculator
See the fully loaded annual cost of a hire — FICA, FUTA, SUTA, workers comp, and benefits. Calculate the revenue this employee needs to generate before the hire breaks even.
Payroll Compliance Checker
Find your federal payroll deposit schedule, estimate your trust fund penalty exposure, and check whether your contractor classification is defensible — before an audit does it for you.
Equity Event Tax Planner
Add your RSU vests, ISO exercises, NQSOs, stock sales, and K-1 income — see your combined equity tax exposure for the year and what to do before December 31.
RSU Tax Impact Calculator
When RSUs vest, the tax bill often exceeds what was withheld. Enter your vesting event to see the gross income recognized, federal and California tax owed, employer withholding, and any shortfall requiring an estimated payment.
ISO/AMT Exposure Calculator
Exercising ISOs can trigger AMT even when no shares are sold. Model the spread, regular tax, and tentative minimum tax to see your AMT bill before year-end — or compare the disqualifying disposition path.
First-Year Tax Projection Calculator
New to self-employment? See your full first-year tax bill — income tax, self-employment tax, and quarterly estimates — before April surprises you. Enter your expected revenue and expenses.
Monthly Tax Reserve Tracker
Track what you should be setting aside for taxes month by month. Enter revenue and expenses for each month — see your year-to-date net profit, the exact amount to move to a tax account, and what to send in for your next quarterly payment.
Startup Runway Calculator
How long will your capital last before you need revenue? Enter your monthly burn and available capital to see your runway in months — and whether you have enough cushion to launch safely.
IRS Penalty Calculator
Scared of a penalty notice? See the real dollar cost of a missed quarterly payment or late return — and compare the IRS rate to a credit card. Usually less catastrophic than you think.
Operating Agreement Checklist
Going into business with a partner, sibling, or co-founder? Answer five questions and get a personalized list of provisions your LLC operating agreement needs to cover — ownership, profit allocation, management authority, buyouts, and the clauses that protect unequal contributions.
Insurance Coverage Gap Checklist
What insurance gaps are you sitting with? Answer five questions about your business type, employees, location, ownership structure, and what happens if you can't work — get a personalized list of likely coverage gaps with the critical ones flagged, plus the tax-coordination items most owners miss.
Buy-Sell Funding Calculator
Most multi-member LLCs have a buyout obligation written into the operating agreement with no insurance funding it. Estimate the term life premium needed to fund the buyout — sized to business value, partner count, ages, and term length, with cross-purchase vs entity-redemption notes.
Just starting out in San Diego County?
Every registration, license, and tax step — specific to your situation
San Diego Business Startup Checklist
Answer four questions and get a personalized checklist of everything you need to launch correctly — EIN, entity registration, city business license, CA $800 LLC fee, quarterly estimates, and more.
California Quarterly Tax Planner
California's schedule is different from the federal one — 30% in April, 40% in June, nothing in September, 30% in January. See both schedules side by side with exact dollar amounts, combined payment totals, and a per-dollar reserve rate.
California Entity Cost Planner
See the true annual cost of sole prop, LLC, and S-corp in California — including the $800 franchise tax, the S-corp 1.5% rate, payroll costs, and SE tax savings at your income level. Find your break-even point.
Work with us
Tools are a starting point.
The real planning happens in context — when we know your entity structure, your income trajectory, and what you’re building toward. A 30-minute call is where that starts.
Talk with Matt