Professional-Grade Tools, Free to Use
Most firms charge for these analyses. We put them online because an informed business owner makes better decisions — and better decisions lead to better outcomes for everyone.
All calculators use current federal tax law and publicly available government data. Results are estimates — not tax advice. Consult a qualified professional before making decisions.
Zombie Cost Calculator
How much is your business losing to costs that do nothing? Enter your revenue, industry, and a few expense details — we'll estimate how much is leaking through redundant subscriptions, bloated overhead, and underperforming vendors.
S-Corp Reasonable Compensation Calculator
Determine a defensible reasonable salary for S-Corp owner-employees using BLS May 2024 national occupational wage data. Used by CPAs and business owners to satisfy IRS reasonable compensation requirements.
LLC vs. S-Corp Election Calculator
Model the federal tax impact of electing S-Corp status versus operating as an LLC. Calculates self-employment tax savings, payroll tax burden, QBI deduction benefit, and net annual savings — all using 2025 federal tax rates.
Cost of Ignorance ROI Calculator
Discover how much money you're losing by not having professional financial infrastructure. Calculate hidden leakage from missed deductions, wasted owner time, wrong tax structure, and compliance risks.
2-Minute Financial Maturity Quiz
The quick version: a gamified 8-question quiz that scores you across 4 rungs — Chaos, Compliance, Control, and Strategy — and points to your next step. (For the in-depth, scored report with a downloadable PDF, see the Financial Infrastructure Maturity Assessment below.)
Profit Leak Interactive Checklist
Identify hidden profit leaks in your business. Industry-specific checklists reveal operational inefficiencies costing you thousands annually. Start with construction, more industries coming soon.
Us vs. Them vs. DIY Comparison
See exactly how 406CG stacks up against DIY, budget bookkeepers, and traditional CPAs. Dynamic comparison adjusts based on your revenue level.
Tax Nexus Finder
Determine if your business has tax filing obligations in other states. Interactive multi-state nexus analysis.
Built for the Businesses We Serve
Every calculator below is built around the real financial questions our clients face — from pricing jobs profitably to understanding the true cost of their team.
Cash Flow Runway Calculator
How many months can your business operate on current cash reserves? Model best-case, base-case, and worst-case scenarios to understand your true financial runway and when you need to act.
Payroll Burden Rate Calculator
See the true cost of an employee beyond their base wage. Calculate employer payroll taxes, workers' comp, benefits, and PTO to understand your real labor cost — and price jobs accordingly.
Loan Qualification Calculator
See where you stand against real lender benchmarks. Calculate your DSCR for commercial loans (bank requires 1.25x, SBA 1.15x) or your DTI for residential mortgages (FHA/conforming limit: 45%). Know exactly what needs to change to get approved.
Job Costing Calculator
Are you pricing jobs to actually make money — or just staying busy? Enter labor, materials, subcontractors, and overhead to see your true job cost, gross margin, and whether your bid hits your target profitability.
Job Costing Health Check
Where is profit leaking on your jobs? Answer a few questions about change orders, labor overruns, and overhead allocation to get a 0–100 job-costing health score and a dollar estimate of your annual margin leak.
Prime Cost Analyzer
Food cost + labor cost = prime cost. It's the single most important number in any restaurant or bar. Enter your weekly numbers and see exactly where you stand against industry benchmarks — and what it's costing you.
Cost Per Mile Calculator
Most trucking operators underestimate their true cost per mile by 15–30%. This calculator surfaces hidden costs — tire wear, maintenance reserves, insurance per mile, deadhead, and driver burden — so you can price loads profitably.
Breakeven / Capacity Calculator
Know exactly how many units you need to sell to cover your fixed costs. Model your capacity utilization and see the revenue vs. cost dynamics that drive profitability.
What If I Hire Scenario Modeler
Before you hire, know the financial impact. Model the full cost of a new employee — salary, benefits, taxes — against expected revenue increase to find your break-even month and ROI.
Contractor Overhead Rate Calculator
Calculate your overhead rate per billable hour and compare against industry benchmarks. Ensure you're pricing jobs profitably and not leaving money on the table.
Business Valuation Estimator
What is your business worth? Use three simplified valuation methods — Revenue Multiple, Earnings Multiple, and Discounted Cash Flow — to estimate your business value and understand your valuation range.
Know What to Expect Before the First Call
Transparent, range-based estimates for our core services — built so you can walk into a conversation knowing the ballpark. No email required.
Tax Preparation Cost Estimator
Entity type, revenue, state filings, and complexity — get a realistic annual tax prep range in under 2 minutes.
Bookkeeping Services Cost Estimator
Transaction volume, payroll, accounts, and reporting level — see a monthly bookkeeping range and whether a cleanup engagement is needed first.
Payroll Services Cost Estimator
Employee count, pay frequency, worker types, and states — estimate your monthly payroll processing investment including add-ons like certified payroll.
Controller Services Cost Estimator
Revenue, entities, reporting frequency, and complexity — get a monthly retainer range for fractional controller services with a complexity score breakdown.
Numbers Tell Part of the Story
These calculators give you the federal picture. A full analysis includes state taxes, retirement plan opportunities, health insurance deductions, timing strategy, and your specific business structure. That's what we do.
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