Income Optimization
Income optimization calculators — side hustle break-even, freelance rate, raise negotiation, and total compensation analysis.
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Side Hustle Break-Even Calculator
Calculate how many hours and months your side hustle needs to break even. Compare your effective hourly rate against your opportunity cost to see if it's truly worth your time.
Overtime vs Second Job Calculator
Compare the net income from working overtime at your current job versus taking on a second job. Factor in tax rates, commute costs, and time to find the better option.
Raise Negotiation Calculator
See the true lifetime impact of a salary raise. Calculate how a percentage increase compounds over your career, including effects on 401(k) matching and total compensation.
Freelance Rate Calculator
Compute the hourly rate you need to charge as a freelancer to hit your desired income. Accounts for self-employment taxes, health insurance, business expenses, and profit margin.
Gig Economy Earnings Calculator
Calculate your true net earnings from gig work like rideshare or delivery. Factor in platform fees, vehicle costs, gas, and self-employment taxes to see your real hourly rate.
Commission Structure Comparator
Compare a flat commission plan against a tiered commission structure. See which pays more at different sales levels and find the break-even point.
Passive Income Goal Calculator
Calculate how much you need invested to generate your target monthly passive income. See your progress toward financial independence and how long it will take to reach your goal.
Income Tax Bracket Optimizer
Find how much room you have in your current tax bracket. Optimize deductions and contributions to minimize your marginal tax rate using 2024 federal brackets.
Bonus Allocation Planner
Optimally split your bonus across emergency savings, debt payoff, retirement, and fun money. See the financial impact of each allocation choice.
Benefits Value Calculator
Monetize the full value of your employer benefits package. See what health insurance, retirement matching, PTO, and other perks are really worth in dollar terms.
Work From Home Savings Calculator
Calculate how much you save by working remotely. Factor in commute costs, meals, parking, wardrobe, and time savings to see the true financial benefit of remote work.
Career Switch Financial Impact Calculator
Compare lifetime earnings between your current career and a potential new one. Factor in transition costs, lost income, and different growth rates to see if a career change pays off.
True Hourly Wage Calculator
Calculate your real hourly wage by dividing take-home pay by total work-related hours including commute, preparation, and expenses. See what you actually earn per hour.
Tax-Loss Harvesting Calculator
Estimate tax savings from selling losing investments. See how realized losses offset capital gains and ordinary income, with wash sale rule awareness.
Multiple Income Stream Optimizer
Balance time across up to three income sources to maximize earnings. Compare hourly rates and see the optimal allocation of your available hours.
Geographic Arbitrage
Rough spending adjustment when moving between cost-of-living indexes (same income).
Net Pay
Simplified take-home from gross using flat withholding buckets (not payroll exact).
Hourly to Annual
Annual gross from hourly rate and schedule.
Overtime Pay
Weekly gross with straight and overtime hours.
Commission Pay
Monthly total from base plus commission on sales.
Min Wage Annual
Full-time-equivalent annual gross from minimum wage.