Niche tools that didn't exist.

Take-home pay2026 federal brackets, FICA, standard deduction, senior bonus, CTC, and your state rate. Per check, exact inputs. Effective hourly rateWhat your salary actually pays per hour, with benefits, commute, and overtime baked in. Overtime pay rateSalaried non-exempt? Your legal overtime rate and weekly gross, computed from your paystub. Hourly to yearly salaryYour hourly wage × hours × weeks, with overtime share and biweekly vs semi-monthly pay grids. Biweekly pay calendarYour 26 paydays for the year, the 3-payday months, and per-check after taxes aren't, the grid. PTO accrualHours per paycheck, carryover cap math, and the forfeited-hours dollar value you are leaking each year. Tip-out splitSplit a tip pool by hours, points or role weights, with the support tip-out and the equal-split check.NEW Job offer comparisonBonus, equity, benefits, hours, commute, real money per year and per real hour. Commute costThe full yearly price of driving to work, gas, wear, tolls, hours, and the remote-job equivalent.

Self-employment taxSchedule SE 15.3% math, wage-base offset, half-SE deduction, QBI, quarterly payment schedule with 2026 due dates. Standard deduction 2026$16,100 / $32,200 / $24,150 bases, the $1,650–$2,050 age and blind add-ons, and the new 2026 itemizer floor.NEW Mileage deduction 2026Split-year rates: 72.5¢ then 76¢ business, 20.5¢ then 23.5¢ medical, the 7.5% AGI floor, and the W-2 trap.NEW Mileage rate 2026IRS deduction split-year math: 72.5¢ Jan–Jun, 76¢ Jul–Dec. Medical, moving, charitable categories.2026 Student loan interest deduction$2,500 cap, phaseout at $85k single / $175k married, your allowed deduction and the tax it saves you.2026 Capital gains tax 20260% / 15% / 20% brackets by filing status, 3.8% NIIT, effective rate, and the 0% bracket space you're leaving unused.2026 Will Social Security be taxed?The 50/85% provisional-income bands with your pension, 401(k) and wages, and the +25% marginal cliff.

401(k) limits 2026$24,500 deferral, $8,000 catch-up at 50+, $11,250 at ages 60–63, the $72,000 total cap, and the Roth catch-up rule.NEW IRA limits 2026$7,500 plus $1,100 catch-up, room left, and the exact slice of Roth your income leaves you.NEW Saver's Credit 202650/20/10% of your contribution back: up to $1,000 single, $2,000 married, and the 2027 Match preview.NEW Early 401(k) withdrawal costTax + 10% penalty + the growth you destroy, the true price of cashing out. Social Security age & benefitFull retirement age by birth year, early/late claim multipliers, monthly benefit estimate. SSA earnings test 2026$24,480 under full retirement age at $1 per $2, $65,160 in your FRA year at $1 per $3, the exact withheld months.2026 Disability work test 2026SGA $1,690 non-blind, $2,830 blind, $1,210 trial work period, impairment expenses subtracted: does your check survive?2026 Retirement countdownWeeks of work left, projected nest egg at your savings pace, FIRE number, and the gap, in one screen.

Debt payoffPayoff month at your payment, the minimum-payment trap, and what +$50 a month does to the timeline. Loan extra paymentExtra $100 a month or biweekly payments: months cut, interest saved, payoff date, from your real balance and APR. Savings goalMonthly deposits at your APY: months to the goal, interest earned, and the deposit that hits it in 24 months. Subscription auditSix subscriptions in one table: the annual total, your three biggest, and a cancel list you can copy.NEW Mortgage paymentP&I, property tax, insurance, PMI until 20% equity, and the all-in monthly with payoff date. Refi break-evenNew rate vs old on your balance: monthly savings, months to recoup closing costs, net at 2/5/10 years. House affordability28/36 rule on your income and debts: the price you qualify for, payment, DTI, and cash left after closing.

Paint cans neededExact gallons/cans for a room: perimeter, height, windows, doors, coats, waste. Carpet & flooring sq ftPer-room area with padding waste, so you buy once, not twice. Driveway paving costAsphalt/concrete/gravels cost by size and depth, tonnage included. AC BTU sizingRight-size an air conditioner: sun, ceiling height, occupants, kitchen, with unit pick. Roof snow loadIs that snow a problem? Load in lbs/ft² by depth & wetness vs. typical design limits. Propane tank hours leftHow long a tank lasts for furnace, heater, or grill at your usage, with a refill warning. Dog fence footage & costYard shape → footage minus gates, posts, rails, 50 ft rolls, materials vs installed price. Planting dates by zoneYour frost dates from climate zone + a 16-crop planting calendar: garlic, tomatoes, peppers, carrots, when to sow.

Moving boxesPer-room box count by size, tape and wrap rolls, supplies cost, and the truck size that fits it all. Moving truck size & costRight truck for your bedrooms, with per-mile cost tables and labor estimate. Road-trip fuel costTrip gas money by miles, MPG, pump price, per car, per person, with a ±5 MPG reality band. EV vs gasYour MPG, your electric rate, your miles: real yearly savings and the break-even year after premium and install. Carrying cost of a carPayment, insurance, fuel, maintenance, depreciation and parking in one true per-mile number.NEW Rent vs buy calculator5/10-year total-cash comparison: taxes, upkeep, 6% sell costs, breakeven rent.

Coffee → sleep half-lifeCaffeine's 5-hour half-life (7 in pregnancy) solved backwards: the latest cup that won't wreck your sleep. Pregnancy food checkType any food → safe / limit / avoid with the FDA-CDC rule (listeria, mercury, deli, soft cheese). IVF due date calculatorTransfer date + embryo day → due date, gestational age today, beta window and scan dates. The standard REI math. Medicare enrollment windowYour 7-month IEP mapped month-by-month, the Part B late penalty (10%/yr, forever), COBRA trap. Medicare Part B 2026$202.90 standard premium, $283 deductible, the $565 late-enrollment price, and the $109,000 income test.NEW HSA limits 2026$4,400 self / $8,750 family + $1,000 catch-up, employer money inside the cap, tax saved at your bracket.2026

Childcare cost by stateReal weekly daycare prices in your state, annual total, % of household income. Diaper countDiapers per day by age, boxes per month, cost, size chart, and the total spend to potty training. Baby sleep windowBedtime that works backwards from your wake-up: wake windows by age, nap counts, feed anchors. Dog years → human yearsThe accurate version by size class, not the ×7 myth. Dog food cups per dayVet-method RER calories by weight & activity → cups/day and bags/month.

Security deposit limitsMax deposit in months, return deadline (10–60 days), interest rules, all 51, cited. Small claims limit by stateAll 50 states + DC dollar caps, filing-fee bands, and your options over the cap (waive, split, limited-civil). FMLA eligibility checker12 months · 1,250 hours · 50 employees in 12 miles: pass/fail per gate, cited to 29 CFR 825.110. Pay frequency laws by stateWeekly in VT/RI, twice-a-month in 24 states: is your schedule legal? Payday-lag limits too. Final paycheck deadlineFired vs quit, by state: CA immediate, TX 6 days, MA day of discharge, penalties included. Tipped wage by state 2026Cash wage before tips, tip credit, and the pay-period shortfall your employer owes, 7 no-credit states.2026 Minimum wage by state 2026All 51 jurisdictions with federal gap, full-time annual, indexed states, next increases.2026

Schengen 90/180 calculatorYour rolling day count in the zone, days remaining, and longest legal stay left, from a date list. TSA rule checkerType any item, coffee, batteries, firearms, drones, nails, carry-on / checked / banned with the exact rule. TSA PreCheck vs Global Entry$78 vs $120 for five years: cost per flight, minutes saved a year, dollar value of that time, break-even trips. Passport validity6-month, 9-month and Schengen 3-month rules against your trip dates, with the renew-by deadline. GSA per diem 2026FY2026 standard $110 + $68 with the 75% travel-day rule: full trip budget in one line.2026

Concrete bags for a slabSlab size → cubic feet, 50/60/80 lb bag counts, weight to haul, cost vs a delivered ready-mix truck. 3D print cost & priceFilament grams + print hours + failure rate → true cost, and what to charge at craft fairs. Tire size comparison225/45R17 vs 235/50R17: diameter, speedometer error, the 3% rule, gearing truth. EV charging cost per mileYour rate + efficiency + L2 loss = per-mile and full-charge cost, vs gas at your MPG. Bead bracelet size calculatorWrist size + bead mm → exact bead count, cord length, how many to buy with pattern repeats. Yarn yardage calculatorSweater size + yarn weight → yards, skeins to buy with swatch allowance, price per project.

Holiday gift budgetPer-person gift money after wrapping and shipping, the max headcount, and the plan-vs-budget check.NEW Federal holidays + PTO 2026All 11 dates, the exact PTO day that turns each into a 3, 4, or 5-day weekend, best use of a small PTO bank.2026 Holiday roast cook timesTurkey, ham, rib roast, lamb: cook + rest + thaw timeline backwards from dinner, with carryover math. Thanksgiving countdownDays to the 4th Thursday + the full timeline: brine, thaw, prep day, oven start, side-dish window.

Wedding budget per guestLine-item per-head costs vs. your budget and guest count, see what each guest really costs. Party amounts calculatorExactly how much beer, food, ice, and cups for N guests over H hours, a shopping list.

USPS postage 2026Oct 2026 rates: $0.82 Forever, +29¢/oz, postcard 65¢, Certified $5.55 + postage, stamp counts.2026 Age in daysYour age in days, weeks, months, birthday countdown, birth weekday, next milestones. Date math"2 weeks from today", "3 months before that", add/subtract days-weeks-months, weekday, day count.

YouTube earnings estimateMonthly AdSense money from views × niche CPM bands, the honest range creators search for. Freelance rate calculatorCharge $X? Self-employment tax, billable reality, benefits, the minimum hourly to hit your income. Net rate targetThe freelance rate that lands your target take-home after SE tax, card fees and unpaid admin hours.NEW Invoice due date (Net 30)Net 7/14/30/60 due dates with weekend & holiday rollover, business-day countdown.

Framing lumber takeoffStuds at 16 in on-center, plates, drywall sheets, screws, sheathing, and lumber cost by wall length.NEW Drywall sheets, tape and mudSheets by wall area, taper counts, mud and primer gallons, screws, and corner bead for a room.NEW Tilethinset and groutTile count with waste, thinset bags, grout, trowel notch pick, and layout strips per room.NEW Flooring takeoffPlanks, boxes, underlayment, transition strips, and waste by room size for laminate, LVP, and wood.NEW Siding panels and trimPanels, soffit, J-channel, corners, starter, rain barrier, and nails for the wall area you wrap.NEW Paint crew productionGallons, crew hours, crew days, and labor cost from area, coats, coverage, and painter rate.NEW

Block wall count and groutCMU blocks with waste, mortar bags, grout bags, rebar, and lintel footage for a block wall.NEW Footing concrete and rebarCubic yards, bags, rebar pounds, tube forms, and gravel base for footings and piers.NEW Excavation spoil and shrinkBank volume, loose spoil, truck loads, shrink and swell factor, and backfill by soil type.NEW Dump truck loadsTons, loads by heaping capacity and payload, single vs tandem axle, and cost by material.NEW Dumpster size and weightCubic yards needed, dumpster size, weight limit risk, and 2026 rental price by debris type.NEW Paver patio materialPaver count, base gravel tons with compaction, bedding sand, edge restraint, and cost.NEW Slab saw cut jointsJoint spacing at twice the slab thickness, cut depth, cut window, joint footage, and dowels.NEW Concrete curing and maturityCuring days, maturation factor, percent of design strength, form removal, and evaporation risk.NEW Cold weather concreteACI 306 classification, protection temperature and hours, mix changes, blankets, and maturity.NEW Rebar lap spliceDevelopment length, Class A and Class B splices, hook lengths, and the steel inside the lap.NEW

Stair rise and runRisers, treads, total run, headroom, landings, and the 60 to 66 rule from IRC R311.7.NEW Handrail height and grip34 to 38 in handrail, graspable perimeter, returns, guard height, and the 200 lb load.NEW Egress window check5.7 sq ft clear opening, 24 in width, 20 in height, 44 in sill, and the well you need.NEW Attic ventilation sizingNet free area at 1:300, 1:150, and 1:100, split into soffit intake and ridge exhaust.NEW Joist span tableSpan by size, spacing, grade, and load, with deflection and bending checked side by side.NEW Wall stud layoutStuds, plates, corners, headers, cripples, fire blocking, and board feet for the wall.NEW

Crane lift capacityNet capacity at radius, utilization percent, policy margin, the wind call, and a radius check.NEW Scaffold tower stabilityThe 4 to 1 ratio, max tower height, wind pressure, stability factor, and the tie schedule.NEW

Shingles and underlaymentBundles by pitch multiplier, underlayment, ridge, starter, drip edge, and nail counts.NEW Fence material listPosts, rails, pickets, panels, post concrete, and cost per foot for wood and chain link.NEW Deck board and framingDecking boards, joists, beams, posts, fasteners, and railings for a deck footprint.NEW Gutters and downspoutsGutter footage, linear feet per downspout, downspout count and size, and elbows.NEW Solar panel count and costPanels for your usage, kW DC, roof area, modules, racking, and 2026 cost with credits.NEW Scaffold planks and framesPlanks by platform width, frame bays and lifts, guardrails, toeboards, and access rules.NEW Insulation R-valueThickness for your target R, rolls, bags, and board feet, whole-wall derate, savings, and payback.NEW Spray foam board feetBoard feet and kit count, R-value per inch, coverage per kit, and the barrier the code asks for.NEW

Wire ampacity and derateNEC 310.16 ampacity by gauge and insulation, ambient correction, and conductor derate.NEW Voltage drop calculatorPercent drop by wire size, length, and load, and the size that hits your target drop.NEW Conduit fill and wire countWire fill area by size and count against the 53, 31, and 40 percent NEC limits.NEW Electrical service sizeNEC 220.82 net VA load, service amps, main breaker, and service entrance conductor.NEW Motor full-load currentThree-phase FLA by table, conductor ampacity at 125 percent, heater, and breaker size.NEW Water heater sizingFirst-hour demand, recovery rate, reheat time, tankless kW, and cost by household.NEW Fixture units and pipe sizeTotal fixture units, demand GPM from the curve, supply pipe size at 8 fps, meter size.NEW Septic tank and drain fieldDesign flow, tank gallons, absorption area, trench length, and pump-out by soil type.NEW Plumbing vent sizeVent size from fixture units and run length, trap arm limits, slope, and the roof termination.NEW Wire pull box sizeNEC 314.28 box length for straight, angle, and hot-silver pulls, with volume and conductor fill.NEW

Labor burden and bill rateWage, payroll burden, insurance, vehicles, tools, and the bill rate that clears margin.NEW Construction bid priceDirect costs, sub markup, overhead, contingency, and profit, with price per square foot.NEW Progress billing and retainageNet due this draw, retainage held by the owner, cash position, and the final draw.NEW Mechanics lien deadlinesRecord-by date, days left, and suit deadline in all 50 states from your last day on site.NEW