Calculators
Run the numbers yourself
Twelve calculators I actually use with clients. The business-owner set is meant to be worked in order: what the company is worth, what a sale nets after fees and tax, what retirement costs, and what the business therefore has to be worth. Nothing is saved, sent, or stored.
What the company is worth, and what you keep.
Four of these run in order: what the business is worth, what a sale actually nets after fees and tax, whether that funds the life you want, and what the company therefore has to reach. The other two deal with the money while you still own it.
Business Valuation
A multiple-based estimate of what a company might be worth, and an honest view of the discounts buyers apply.
Open CalculatorBusiness Sale
What actually lands in your account after debt, fees and taxes, before any escrow or earnout the buyer holds back.
Open CalculatorWealth Gap
What your retirement actually requires, set against what you are on track to have.
Open CalculatorValue Gap
What the business has to be worth, and what it has to grow by each year to get there.
Open CalculatorQSBS Exclusion
Section 1202 can exclude a large share of the gain on qualifying C corporation stock. This estimates how much.
Open CalculatorS-Corp Salary
How much payroll tax an S election actually saves, and what your salary has to be for it to hold up.
Open CalculatorThe everyday ones.
Saving, borrowing and retirement, plus the three decisions people most often get wrong: when to claim Social Security, whether to convert to a Roth, and what a mortgage really costs each month.
Retirement Plan
Whether the money lasts, and what the shortfall looks like if it does not.
Open CalculatorSocial Security
Claim at 62, at full retirement age, or at 70, and see where the lines actually cross.
Open CalculatorRequired Distributions
What the IRS makes you take out each year, what it grows into, and why the share rises whether you need the money or not.
Open CalculatorRoth Conversion
Whether paying tax now beats paying it later, and the future tax rate at which the answer flips.
Open CalculatorBackdoor Roth
Why a backdoor Roth is rarely tax-free, how much of it is actually taxable, and the one move that fixes it.
Open CalculatorLife Insurance Need
How much cover your family would need if you died tomorrow, including the business loans you personally guaranteed, and how much of it is already in place.
Open CalculatorAbout these calculators.
Illustrations, not advice
These tools are educational illustrations, not investment, tax, or legal advice, and not a recommendation or projection of any particular result. They use only the assumptions you enter.
Real returns are not this smooth
Returns are treated as constant and compounded monthly, which no real portfolio does. Actual results will differ, and a sequence of poor early returns can change an outcome substantially even when the average holds.
Tax is more than a rate
The business sale tool applies whatever rates you enter and does not account for bracket thresholds, installment sales, qualified small business stock, state apportionment, or entity-level tax. Deal structure commonly moves the after-tax result by more than the headline price does.
Nothing you type leaves your browser
Every calculation runs on your own machine. Nothing you enter is transmitted or stored, and none of it reaches me unless you ask for a PDF and give me your details.
Talk to your CPA and attorney before relying on any of it.