Freelance, Family & Future

11 free calculators — every one shows its formula and a worked example.

RSU CalculatorYour stock grant in per-vest, after-withholding dollars.ESPP CalculatorThe discount + lookback math on your stock purchase plan.FIRE CalculatorYour FI number and how many years until work is optional.Second Earner CalculatorWhat the household's second income really nets after everything.Cost Per Use CalculatorPrice ÷ real uses: the honest worth-it test for any purchase.Commute Cost CalculatorYour commute's true yearly price, including your time.1099 vs W-2 CalculatorA contract rate and a salary, made honestly comparable.Side Gig Tax Set-AsideThe % of every gig payout to move to savings for taxes.Freelance Rate CalculatorThe hourly rate that truly replaces a salary.401(k) Per Paycheck CalculatorYour 401(k) election in real per-check dollars, and the max-out %.401(k) Match CalculatorYour employer match in dollars — and what you're leaving behind.