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Guides worth reading
All 18 guidesLong-form explanations behind the calculators, with every figure computed rather than estimated. A different selection each visit.
Freelance & Business8 min read
On $85,000 of Self-Employed Income, Set Aside $5,307.50 Every QuarterSelf-employment tax is the line that catches people out: 15.3% on top of income tax, with no employer paying half. Here is the full calculation, the safe-harbour rule that prevents penalties, and why 25% to 30% is the figure to move on receipt.Student Loans & College8 min read
A $28,000 Degree Today Costs $290,439 for a NewbornCollege costs have compounded faster than general inflation for decades. Running that forward eighteen years produces a number most parents have not seen, and it changes what a reasonable monthly contribution looks like.Freelance & Business8 min read
To Take Home $90,000 Freelancing, You Need to Bill $132.76 an HourDividing your target salary by 2,080 hours produces $43.27 and a business that fails within two years. Here is the full calculation, including the two costs that employees never see and the hours you cannot bill.Numbers you can trust, math you can check
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