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Most small business owners don't have a CFO on call. When you need to know what hourly rate to charge, how much to set aside for quarterly taxes, whether your HVAC job is priced right, or whether an S-Corp election makes sense at your income level — SmartBizCalc gives you the answer in under 2 minutes, for free.
Every calculator runs entirely in your browser. We never store your inputs or require an account. Formulas are based on current IRS guidance, industry benchmarks, and standard financial models — updated for 2026.
Popular: Self-Employment Tax · LLC vs S-Corp · Contractor Markup · 1099 vs W-2 · Break-Even
Find the minimum rate you need to charge to hit your income goal after taxes and expenses.
See exactly how much SE tax you owe, your quarterly payment, and your effective rate.
Calculate exactly what you owe each quarter — federal income tax plus SE tax — and what % to set aside.
See how much you'd save in SE taxes by electing S-Corp status — and whether it's worth it at your income level.
Find your optimal owner salary — SE tax savings, IRS scrutiny risk, and net benefit after payroll taxes.
Total employer payroll tax burden — Social Security, Medicare, FUTA, and SUI — per employee and in total.
True cost difference between a full-time employee and an independent contractor.
Real first-year cost of forming an LLC in your state — fees, registered agent, operating agreement.
First-year equipment write-off, bonus depreciation, phase-out check, and total tax savings.
Standard mileage vs actual expense — side by side so you always choose the larger deduction.
Simplified vs regular method — pick whichever IRS option saves you more.
MACRS schedule, luxury auto caps, Section 179, and bonus depreciation — full deduction plan.
Max out your solo 401k — deferral, employer match, catch-up tiers, and SEP IRA comparison.
Above-the-line deduction on medical, dental, vision, and LTC premiums — with HSA comparison.
Monthly payment, total interest, and true cost of any business loan or SBA loan.
Check if you qualify for an SBA 7(a) loan and get your estimated max amount and monthly payment.
True cost of your credit line — monthly payment, total interest, and effective cost per dollar.
Monthly payments, total interest, cash at closing, and DSCR for buying a business with SBA 7(a).
Monthly payment, LTV ratio, and DSCR with lender approval thresholds.
Convert your MCA factor rate into a real APR and see what you're actually paying.
Monthly payment, total interest, Section 179 tax savings, and lease vs buy comparison.
5-year side-by-side with Section 179, residual value, and true net cost after taxes.
True factoring cost — advance amount, fees, net cash received, and annualized APR.
Total startup investment, monthly profit after royalties, payback period, and 5-year ROI.
Estimate workers' comp premium by industry and payroll — annual cost, per-employee, and % of payroll.
General liability cost estimate based on your industry, revenue, and headcount.
E&O insurance costs for consultants, accountants, attorneys, and IT professionals.
Cost to insure your business property, equipment, and inventory against fire, theft, and damage.
Commercial vehicle insurance costs for your fleet — vehicle type, usage, and driving record.
Data breach and cyber insurance premiums based on industry, revenue, and data exposure.
How much umbrella liability coverage your business needs and what it costs annually.
Coverage amount and premium for business income protection if operations are disrupted.
Job price, labor, materials, and overhead → real margin and target price.
Labor, parts, refrigerant, dispatch fee, and emergency surcharge — with flat-rate equivalent.
Labor, materials, and overhead → right bid price. Understand markup vs margin.
Labor, materials, permits, and overhead — know your real margin before you bid.
Labor, materials, travel, and overhead — profit margin locked in before you give a price.
Pitch multiplier, waste factor, crew labor hours, and bid price with your margin built in.
Room dimensions, surfaces, coats, crew size → labor hours, paint gallons, profitable quote.
Surface type, condition, labor, chemicals, and travel — contractor-grade job quote.
Task type, labor, materials, travel, and complexity — margin before you give a price.
10 service presets, crew size, materials with markup, travel, and complexity.
Hourly rates and per-room estimates for residential and commercial jobs.
By sq ft, hourly, or flat rate — formulas for residential and commercial jobs.
Mowing, fertilization, aeration, and seasonal cleanups — by lawn size, time, and equipment.
Break-even and profitable monthly rate — by pool size, visit frequency, and cost structure.
Profitable price per appointment — breed size, coat type, services, labor, and supply costs.
Per-person event quote — food cost, staffing, rentals, and travel with margin locked in.
Right hourly rate — income target, expenses, taxes, and hours, so your rate actually covers what you need.
Shoot time, editing hours, hard costs → your floor rate and profit-inclusive price.
Height, access difficulty, crew, stump grinding, and disposal — profitable bid with your margin.
Posted labor rate — tech wages, overhead, and productivity with break-even and target on one screen.
Per-room and per-sq-ft pricing with labor, chemicals, equipment, and margin.
Vehicle type, condition, package tier, travel, and overhead — profitable quote.
Pane type, story height, scope, and frequency — full margin breakdown.
Local hourly and long-distance quotes — crew, truck, add-ons, and margin.
Gross margin, net margin, and markup — compare to industry benchmarks for your business type.
How many units or jobs you need to cover fixed costs — and profit beyond that.
Monthly net cash flow, 3-month projection, and runway — with AR lag for your true cash position.
Revenue, fixed costs, variable expenses, and owner draw — monthly surplus or deficit.
Full employer cost — salary, payroll taxes, benefits, and overhead — with cost per hour.
One-time costs, monthly burn, funding runway, and 20% contingency buffer.
Real monthly and total cost of your space — NNN, gross, or modified lease with escalations.
What your business is worth — SDE multiple, EBITDA multiple, and asset-based — plus a weighted range.
Food cost %, profit per plate, and the ideal menu price to hit your target margin.
Monthly net profit, break-even days, and profit per event — includes permits, fuel, and commissary.
Real monthly net profit — platform fees, cleaning, mortgage, utilities, and taxes.
What Etsy takes from each sale — listing, transaction, processing, and offsite ads fees.
Total amount owed on an overdue invoice — monthly %, daily %, or flat fee with compound interest.
Total commission, agent splits, and your exact net proceeds from a home sale.
Cost breakdowns ($15K–$60K), licensing by state, monthly budgets, and financing options.
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