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Optional support
These calculators are free. A voluntary PayPal tip on the page supports the classroom — not a paywall, not tax software, not ads. The chip row under the nav is the same list, so you do not have to hunt.
Income New
Take-home goal → hourly and day rate. Optional classroom tip.
Taxes
Schedule C to SE tax and 1040-ES.
Primer
15.3% SE tax, wage base, quarterly estimates. Then size the sleeve.
Income
Take-home goal → hourly and day rate.
Housing
Months to recoup closing costs. Match term vs 30-year reset.
Debt
Stay at your APR vs pay a fee and ride 0%.
Debt
Highest APR vs smallest balance. Same extra cash.
Debt
Months and interest at your APR.
Cash
3–12 month runway from essentials.
Budget
Needs, wants, save on take-home.
Income
Gross to net, brackets, W-4 extra.
Housing
P&I, taxes, insurance, PMI over 80%.
Housing
Stay length, selling costs, opportunity.
Taxes
Schedule C to SE tax and 1040-ES.
Sandbox
Optional life sim. Not the classroom home.
The chip row under the nav repeats this list on Home, Calculators, and every /tools page. Premium playbooks still sit behind PayPal All Access — a different door. Educational, not advice.