Real-data money tools for people who set their own price
Confirm what to charge, what you'll take home, and where it goes
Money tools for freelancers, contractors, trades, truckers, and tipped staff — anyone who sets their own price or splits their own pay. Enter your numbers to see the result and the breakdown behind it.
Runs in your browser Works on phone or desktop Shows the breakdown
Pick your tool
What Should I Charge?
Build a job bid from your materials, labor, and costs, plus a markup for overhead and profit. See your price, your margin, and the tax to set aside.
Price a job →Trucker Pay & Cost Calculator
Work out your pay however you're paid — by the mile, hour, percentage, ton, barrel, load, or salary — plus owner-operator cost per mile and fleet profit.
Run my numbers →Server & Staff Tip-Out Calculator
For restaurant staff: split your tips with bussers, bartenders, runners, and hosts — by percentage or by hours worked. (Not for diners — this is the crew's end-of-shift split.)
Split the tips →Budget Calculator
Subtract your real monthly bills from your take-home pay, set your savings, and see exactly what's left to spend.
Build my budget →W-2 vs 1099 Calculator
Offered the same job two ways? Compare a W-2 salary against a 1099 contract offer after self-employment tax, income tax, health insurance, and 401(k) — and see what to set aside.
Compare offers →Rate guides by trade
The same calculator works for any trade, field, or freelance work — you just enter your own costs. These pages add pricing tips specific to each line of work. Don't see yours? The general version takes any trade's numbers.
Tip guides for restaurant workers
Guides: pay, taxes & tips explained
Short, plain-language explainers behind the calculators — how the tax and pay math actually works, so the number a tool gives you makes sense.
Why these calculators?
These calculators are built for freelancers and tradespeople setting their own rates, truck drivers comparing owner-operator math against a company job, and restaurant crews splitting a tip pool. Every tool works without an account, runs in your browser, and shows a breakdown of the result.