Free Tools

Free Business and Finance Calculators

Real decision-making tools built around actual business choices. Compare AI tools by real cost, calculate your true tax obligations, find your break-even on software investments. No fluff, just the numbers you need.

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AI Tool True Cost Comparator
Compare ChatGPT, Claude, and Gemini real annual cost for your team size and see which delivers best ROI
ChatGPT Business
$25/user/month
Monthly cost
$75
Monthly value generated
$3,248
ROI multiplier
43x
Lowest Cost
Claude Business
$22/user/month
Monthly cost
$66
Monthly value generated
$3,248
ROI multiplier
49x
Gemini Business
$24/user/month
Monthly cost
$72
Monthly value generated
$3,248
ROI multiplier
45x
For a team of 3 saving 5 hours/week at $50/hr, Claude Business delivers the best ROI at $66/month versus $75 for ChatGPT. Annual saving by choosing Claude over ChatGPT: $108.
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Bookkeeper vs AI Software Break-Even
Find out exactly when AI bookkeeping software saves you more than hiring a part-time bookkeeper
Monthly bookkeeper cost
$200
Monthly AI software cost
$45
Monthly saving with AI
$155
At these numbers, AI software saves $155/month versus a part-time bookkeeper. Annual saving: $1,860. Note: for complex accounts, partnerships, or businesses requiring professional oversight, a bookkeeper or accountant review remains advisable.
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Quarterly Tax Estimator (US Self-Employed)
Estimate your IRS quarterly payment using current 2026 federal tax brackets and self-employment tax rates

Estimate only. Tax obligations vary by state, deductions, and individual circumstances. Always verify with a qualified tax professional before making payments.

Self-Employment Tax
$12,006
Income Tax (Est.)
$10,294
Total Annual Tax
$22,300
Pay Each Quarter
$5,575
2026 IRS Payment Deadlines
Q1
April 15
Q2
June 16
Q3
Sept 15
Q4
Jan 15, 2027
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High-Yield Savings Account Comparator
See exactly how much more you earn switching from a traditional bank to a high-yield account
Current Annual Interest
$25
New Annual Interest
$2,375
Annual Gain
$2,350
5-Year Extra Earnings
$13,144
Switching earns you $2,350 more per year on the same $50,000. It takes about 20 minutes to open an online high-yield account. That is an effective hourly rate of $7,050 for your time.
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Freelancer True Rate Calculator
Calculate your real effective hourly rate after accounting for taxes, unpaid admin time, and business costs
Gross Annual Revenue
$108,000
After Tax and Expenses
$75,000
Total Hours Worked
1,824 hrs
True Effective Rate
$41/hr
Your headline rate of $75/hr becomes an effective rate of $41/hr after taxes, expenses, and unpaid admin time. To reach $60/hr effective, you need to either raise your rate, reduce admin hours with AI tools, or cut business expenses.

All calculators on this page provide estimates based on your inputs and general assumptions. Results are for informational purposes only and do not constitute financial, tax, or legal advice. Tax calculations use approximate 2026 US federal rates and do not account for state taxes, credits, or individual deductions. Always consult a qualified professional before making financial decisions. See our Disclaimer and Affiliate Disclosure.