Financial Calculators

Quick, interactive estimates to help you plan. All figures use 2026 tax parameters. These tools are for informational purposes — reach out and we'll help you apply them to your specific situation.

Estimates only. These calculators use 2026 federal figures and simplifying assumptions. They do not account for state taxes, tax credits, the QBI deduction, AMT, or your full financial picture, and they are not tax advice. Please before making decisions.

Self-Employment Tax

Estimate the Social Security and Medicare tax on your net self-employment earnings (Schedule C), plus the deductible half.

Net self-employment profit ($/yr)

Filing status

Net earnings subject to SE tax $0

Social Security portion (12.4%) $0

Medicare portion (2.9%) $0

Total self-employment tax $0

Deductible half (income adjustment) $0

Assumes net earnings = profit × 92.35%, Social Security capped at the 2026 wage base, and no other W-2 wages. The deductible half excludes the Additional Medicare Tax.

Estimated Quarterly Tax

Project your annual federal tax and break it into four estimated payments.

Filing status

Net self-employment income ($/yr)

Other taxable income — W-2, interest, etc. ($/yr)

Deductions ($) Defaults to the 2026 standard deduction for your filing status. Edit if you itemize.

Federal tax already withheld / paid ($/yr)

Estimated taxable income $0

Income tax $0

Self-employment tax $0

Total estimated federal tax $0

Less withholding / payments $0

Suggested quarterly payment $0

Simplified: excludes tax credits, the QBI deduction, NIIT, AMT, and state tax. 2026 estimated payments are generally due Apr 15, Jun 15, Sep 15, and Jan 15 of the following year. We can confirm your safe-harbor amount.

S-Corp Salary vs. Distribution

Compare the self-employment tax you'd pay as a sole proprietor with the payroll tax on a reasonable S-corp salary — the difference is your potential savings.

Business net profit before owner pay ($/yr)

Reasonable salary ($/yr) Must be reasonable for the work performed — the IRS scrutinizes this.

SE tax as a sole proprietor $0

Payroll tax on S-corp salary $0

Remaining as distribution $0

Estimated annual payroll-tax savings $0

Compares Social Security + Medicare only. Does not include the added cost of running an S-corp (payroll service, Form 1120-S preparation, state fees) or income-tax effects such as the QBI deduction. Talk to us before electing S-corp status.

Retirement Contribution

Estimate the maximum you can contribute to a self-employed retirement plan for 2026 based on your net self-employment income.

Net self-employment profit ($/yr)

Plan type

Age at year-end Catch-up contributions apply at 50+, with a larger amount at ages 60–63.

Net earnings for plan purposes $0

Employee / salary deferral $0

Employer contribution $0

Estimated maximum contribution $0

Uses net earnings = profit × 92.35% minus half of self-employment tax. SEP and the Solo 401(k) employer portion use the 20% effective self-employed rate, capped at the 2026 defined-contribution limit. SIMPLE assumes a 3% employer match.

Educator Expense Deduction

Track your classroom expenses and estimate your 2026 educator expense deduction. Your entries are saved in your browser.

Reasonable Compensation

Estimate a defensible reasonable salary for an S-corp owner-employee based on the roles you fill and market wage data.

Want the full picture?

These estimates are a starting point. Our team can run the real numbers for your business and personal situation.