Client tools
Four calculators we reach for in client conversations every week — free to use, built for clarity, and honest about what they simplify. When the decision is real, we'll run the full numbers with you.
The cleanest way to avoid an underpayment penalty: pay 100% of last year's total tax through withholding and estimates — 110% if your prior-year AGI was over $150,000 (married filing jointly; $75,000 if filing separately).
2027 due dates: Apr 15 · Jun 15 · Sep 15 · Jan 18, 2028. You can also satisfy the rules by paying 90% of the current year's tax — useful when income drops; we can model that with you. Assumes even quarterly income (no annualization).
A first look at the self-employment-tax side of the S-corporation question. The IRS requires S-corp owner salaries to be reasonable for the work performed — that number drives everything.
Simplified: employment taxes only. Ignores the QBI deduction interplay, the SE-tax deduction, state taxes, payroll-service and filing costs (an 1120-S starts at $1,850 on our card), and reasonable-compensation risk. A real decision deserves a real projection — that's an advisory conversation.
How many months of operating room do you have at the current pace? The single number every owner should know cold.
Straight-line estimate — real cash flow is lumpy and seasonal. Our fractional CFO engagements build 13-week rolling forecasts that catch the crunch before it happens.
Payment, total interest, and the first year of the schedule — for equipment loans, acquisition debt, or that refinance you've been weighing.
Fixed-rate, fully-amortizing, monthly compounding. First 12 months shown. Structuring debt — and the tax treatment of the interest — is exactly the kind of decision we advise on.
Official tools
For anything these calculators simplify, the official government tools are the reference — free, current, and authoritative.
From estimate to answer
Bring the scenario. We'll pressure-test it against your actual returns, entity structure, and state footprint — and give you a number you can act on.