Build your business on a financially sound foundation
Starting a business is one of the most exciting and nerve-wracking financial decisions you can make. The entrepreneurial leap comes with real financial risk — but also the potential for rewards that no W-2 job can match. The difference between businesses that thrive and those that fail often comes down to financial fundamentals: runway, pricing, structure, and cash flow.
One of the earliest decisions you'll face is how to structure your business. The choice between a sole proprietorship, LLC, S-Corp, or C-Corp affects your taxes, liability, and ability to raise capital. Getting this right from the start avoids expensive restructuring later. And understanding self-employment taxes — the full 15.3% of net income that solo business owners pay — helps you price your services appropriately from day one.
The calculators below address the most critical financial questions every new business owner faces. Whether you're just writing your business plan or already generating revenue, these tools help you make smarter decisions with clearer numbers.
LLC or S-Corp? The choice affects taxes, liability, and paperwork. Model both before you file.
Know exactly how many months you can operate before you may want to be profitable or raise money.
Self-employed people pay both halves of Social Security and Medicare. Know what's coming.
Price your services to cover all costs, taxes, and the income you actually want to earn.
If you need startup capital, understand the true cost of different loan structures before borrowing.
Know your gross and net margins from the start to identify where the business makes — and loses — money.
Each tool is free, instant, and built for exactly where you are right now.
Compare the tax implications of LLC vs S-Corp structure to choose the most tax-efficient option.
Use Calculator →Calculate how many months your current capital will last before you may want to reach profitability.
Use Calculator →Calculate the 15.3% SE tax on top of income tax that every self-employed person owes.
Use Calculator →Calculate the hourly or project rate you may want to charge to meet your income goals after taxes.
Use Calculator →Model monthly payments and total cost for different loan amounts and terms.
Use Calculator →Track gross and net profit margins to understand the true profitability of your business.
Use Calculator →Save calculator results to your personal financial snapshot — no account needed, stored privately in your browser.