MAKE THE NUMBERS EASIER TO UNDERSTAND.

Money, in plain numbers

Everyday calculators for real-life money decisions.

Quick utility calculators for pay, debt, home, retirement, college, care, taxes, transportation, and family costs. Each result shows the answer, the assumptions, and what to check next.

Calculators269across 18 categories
Combo tools26chain several at once
Live data4 feedsFX, CPI, EIA, vehicle
MobileReadyinstallable web app

Combo calculator

Real Freelance Take-Home Calculator

Estimate required freelance rate and real take-home after expenses, taxes, insurance, retirement, and startup costs.

Freelance take-home

Ready to calculateEnter your values, then tap Calculate.

Enter your values and tap Calculate to see the result.

How this combo works

Grosses up target income for tax reserve, expenses, insurance, retirement, and startup burden.

Best next calculator
Freelance Rate Calculator
Stress test
Try lower billable hours, higher tax reserve, startup-heavy year, and stable year.

What this means

This combo page keeps the math quick by combining a few common parts of the decision. For a higher-stakes choice, use the linked calculators below and then move into a full SumPilot decision tool.

Included calculators

Freelance Rate CalculatorEstimate freelance rate in seconds with a simple, mobile-friendly calculator.Self-Employment Tax CalculatorEstimate self-employment tax in seconds with a simple, mobile-friendly calculator.Business Startup Cost CalculatorEstimate business startup cost in seconds with a simple, mobile-friendly calculator.

Related calculators

Freelance Rate CalculatorEstimate freelance rate in seconds with a simple, mobile-friendly calculator.Self-Employment Tax CalculatorEstimate self-employment tax in seconds with a simple, mobile-friendly calculator.Business Startup Cost CalculatorEstimate business startup cost in seconds with a simple, mobile-friendly calculator.