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Try these next Freelance Rate Calculator · S-Corp Tax Savings Calculator · Quarterly Tax Calculator · Deduction Finder Quick Mode · Tax Deadline Calendar

FigureNerd calculators show the real math, not a marketing page dressed up as one. Every tool starts from an actual question, uses a primary source like IRS publications or ACCA Manual J, and gets checked by someone with real field experience before it goes live. See the full methodology.

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Retirement9

Runway, break-even, and withdrawal calculators covering Social Security claiming age, required minimum distributions, and 401(k) contribution limits. Each tool is state-tax aware where it matters, so the number you see is closer to what you would actually keep after taxes, not just a gross projection.

🏠Real Estate3

Tools for the tax side of owning or selling property, including 1031 exchange failure costs, depreciation recapture, and mortgage payments. Each calculator names the IRS section or agency guideline behind its math, so you can trace the number back to its source and check our work yourself.

🏗️Construction9

Material and cost estimators for drywall, roofing, and permits, built on RSMeans industry formulas and field-tested waste factors. Designed to help you order the right amount the first time, avoid a second supply run, and compare contractor bids against real numbers instead of a gut feeling.

💳Personal Finance1

A payoff calculator for credit card debt that shows how extra payments change your timeline and total interest paid. Compare a few payment amounts side by side to see the real cost of carrying a balance before deciding what to pay down first and what to leave alone.

📊Tax & Self-Employed11

Built for freelancers, gig workers, and small business owners who file their own quarterly estimates. These calculators walk through self-employment tax, S-Corp savings, and deductions that are easy to miss, using current-year IRS figures and plain-English explanations instead of tax-software jargon.

🌡️HVAC & Energy9

Sizing and cost tools for heating and cooling equipment, built on ACCA Manual J and NEEP cold-climate performance data. Compare heat pump payback, refrigerant options, and replacement costs before a contractor gives you a number, so you can ask better questions.

💡Lighting & Energy Efficiency4

Room brightness and LED savings calculators that translate watts and lumens into numbers you can actually use when shopping for bulbs or planning a room. Includes a savings estimate for switching an existing fixture to LED, based on your local electricity rate and hours of use per day.

🍽️Restaurant & Food Service5

Food cost, labor cost, and prime cost calculators built for operators who already know their numbers and want a fast way to check them against industry-standard targets. Also includes a recipe costing worksheet for pricing a new menu item before it goes on the board.

🚗Auto & Vehicle1

A true cost of ownership calculator for motorcycles that accounts for insurance, depreciation, gear, maintenance, and resale value. Designed to bring the number in your head before a purchase closer to the number you will actually pay over the years you own the bike.

🧮Tools & Calendar3

Quick-reference tools for fast answers that do not require picking a specific calculator first, including this scientific calculator, a deduction finder that scans your situation for likely write-offs, and a tax deadline calendar with every quarterly and annual filing date in one place.

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🔥 55 tools live. New ones every week. No signup · No email required New tools weekly, voted by you
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Freelance Rate Calculator

Works backward from your take-home goal to show the rate you actually need to charge. Covers SE tax, health, retirement, overhead.

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S-Corp Tax Savings Calculator

Find out if switching your LLC to an S-Corp actually saves you money after payroll costs and extra tax returns. Break-even included.

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Retirement Withdrawal Calculator

How much can you withdraw in retirement, and will it last? State-tax-aware, Social Security included, runway to age 100.

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Quarterly Estimated Tax Calculator

Safe harbor, underpayment penalty, federal and state breakdown. Schedule the 4 payment dates and amounts. For 1099 and self-employed.

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Will I Outlive My Money?

Stress-test your retirement against bear markets, long life, medical events, and early retirement. Green, yellow, red verdict per scenario.

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Social Security Break-Even Calculator

Find the exact age where waiting to claim beats claiming at 62. Compares 62, 67, and 70 claim ages with cumulative benefit totals. 2026 FRA tables.

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Gig Worker Tax Calculator

DoorDash, Uber, Lyft, Instacart, Shipt, Amazon Flex, Grubhub all in one. SE tax, federal, state, quarterly schedule. No email needed.

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Uber Driver True Hourly

What Uber and Lyft actually pay you per hour after gas, depreciation, maintenance, insurance, and dead miles. The real number.

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Motorcycle Total Cost of Ownership

Before you sign at the dealership. Includes insurance by state, depreciation by category, gear, tires, chain, resale projection.

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Heat Pump Payback Calculator

State rebates, the HEEHRA income-based rebate, and your actual fuel, with or without the now-expired federal 25C credit. National coverage, plain English.

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EV Charging Cost: Home vs Public

Side-by-side cost: home Level 2, public DCFC, workplace, and equivalent gas car. Level 2 install payback included. State electricity rates pre-loaded.

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Drywall Calculator

RSMeans formula: walls plus ceiling, door and window deductions, waste factor. Returns sheets, screws, joint compound. Voice readback for the job site.

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Roof Shingles Calculator

Bundle count, starter strip, ridge cap, underlayment, and ice-and-water shield from footprint and pitch. Waste factor included. Know before you order.

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HVAC Load Sizing Calculator

Simplified Manual J. BTU per hour, tonnage, recommended unit size range. Climate zone adjusted (ND Zone 6 included). Voice readback for the field.

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Boiler Sizing Calculator

Heat loss, recommended boiler output with safety factor, AFUE fuel cost comparison at 80, 90, and 95 percent efficiency. ND design temps built in.

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Construction Sequence Reference

Interactive 21-phase remodel order of operations. Tap any phase: prerequisites, parallel runs, inspection gates, what to order now. Voice readback.

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Cold-Climate Heat Pump COP Derating

Real-world COP at 47F, 17F, 5F, and -13F. Cold-climate vs standard heat pump performance derating. NEEP-spec-grounded.

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Heat Pump COP Product Comparison

Side by side compare two NEEP-listed cold-climate heat pumps at your outdoor design temperature. COP table at 47F, 17F, 5F, and -13F.

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R-410A vs R-454B Refrigerant Comparison

EPA AIM Act phasedown impact. GWP delta, retrofit complexity, cost estimate range, refrigerant scarcity window. Updated for EPA SNAP Rule 26.

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HVAC Replacement Cost Calculator

Line-by-line estimate for furnace, AC, heat pump, or mini-split replacement. Equipment, labor, permits, and removal all broken out. No guessing at the quote.

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1031 Exchange Failure Tax Cost

What you owe if your like-kind exchange falls apart. Federal depreciation recapture, LTCG, NIIT, state capital gains. IRC §1031 timeline rules tracked.

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Lighting Calculators

How bright should your room be, and what will switching to LED save you? Watts don't mean bright anymore. Five lighting calculators covering room brightness, LED savings, and light levels by room, plain-English formulas, no signup.

Explore lighting →
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Restaurant + Commercial Kitchen

Food cost, labor cost, prime cost, break-even, dishwasher payback, walk-in cooler sizing. 10-calculator set by people who actually know commercial food equipment. Walk-in BTU calc live now.

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Restaurant Prime Cost Calculator

Food cost plus labor cost as a percent of sales. See if you are inside the 60% industry target and what to change if not. Designed for operators who know their numbers.

Check my prime cost →

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