SJ

Money, Budgeting & Taxes

Interactive calculators and tax education to price, budget, and forecast with confidence. All tools show their formulas and assumptions. Not tax, accounting, or investment advice — review with a qualified CPA or tax attorney.

Revenue Goal Calculator

How much collected revenue do you need to hit your pay, overhead, and reserve targets?

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Income + self-employment tax set-aside

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Of billed, actually collected

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Of worked, actually billed

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Required collected revenue / month$22,000
Required billed revenue / month$32,353
Weekly collection target$5,081
Matters / month (at $3k avg)7.3

Formula: (Owner pay + Overhead + Profit) ÷ (1 − tax%) = collected revenue. Billed = collected ÷ collection ÷ realization. Not tax or accounting advice — review with a CPA.

Flat-Fee Profitability Calculator

Price flat fees to cover labor, hard costs, scope creep, risk, and your target margin.

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Internal labor cost$2,950
Suggested client price$5,646
Estimated profit$2,232
Actual margin39.5%

Price = (Labor + Costs) × (1 + scope%) × (1 + risk%) ÷ (1 − margin%) + processing. Track actual hours against the estimate to refine future pricing.

True Hourly Rate Calculator

Your effective rate after nonbillable time, write-downs, and collection loss.

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Admin, marketing, CLE, breaks

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%
$
$
Total working hours2,160
Billable hours1296
Collected billable hours991
Required true hourly rate$109

Most solos discover their true rate is far higher than their posted rate. If your posted rate is below this number, you're subsidizing every hour.

Office vs. Virtual Calculator

Compare the real monthly and startup cost of a traditional office against a virtual setup.

Traditional office

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Virtual / coworking

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Virtual setups trade cost for considerations: service-of-process address, client confidentiality, meeting space, and jurisdiction-specific office rules. Never assume virtual is permitted everywhere.
Office monthly cost$4,150
Office startup cost$8,600
Virtual monthly cost$750
Monthly savings (virtual)$3,400
Annual savings (virtual)$40,800

These calculators produce educational estimates only. They do not account for every jurisdiction, entity, or tax situation. Do not characterize results as tax, accounting, or investment advice. Consult a qualified CPA or tax attorney for your circumstances.