Free calculators for freelancers, small-business owners, landlords, and home buyers — built from the same formulas behind the VickeryFinance templates. No sign-up. Your numbers never leave this page.
Buying a rental? Price it with Rental ROI. Setting aside tax money? Use Freelance Tax. Wondering how many sales cover your costs? That’s Break-Even. Each calculator updates as you type — change any number and watch the answer move.
Every calculator below has a full Excel / Google Sheets companion in the VickeryFinance shop — with monthly tracking, charts, and room for a full year of numbers.
See monthly cash flow, cap rate, and cash-on-cash return before you buy — including vacancy, taxes, insurance, and the mortgage.
Cash-on-cash = annual cash flow ÷ total cash invested (down payment + closing/rehab). Cap rate = annual net operating income (rent minus operating costs, before the mortgage) ÷ purchase price. As a rule of thumb, many investors look for 8%+ cash-on-cash and a cap rate near or above the mortgage rate — but local appreciation and tax benefits matter too.
Estimate self-employment tax, federal income tax, and your quarterly payment — so April never surprises you.
Uses 2025 federal brackets and standard deductions (Single $15,750 · MFJ $31,500 · Head $23,625). Estimate only — not tax advice.
Self-employment tax is 15.3% on 92.35% of net profit, and half of it is deductible. Federal tax uses the standard deduction plus that half-SE-tax deduction, then the 2025 brackets. Your “set aside” percentage is total tax ÷ gross income — transfer that share of every payment into a separate tax account.
Find exactly how many units — or how much revenue — you need each month just to cover your costs.
Contribution per unit = price − variable cost − fees. Break-even units = fixed costs ÷ contribution per unit. If contribution is zero or negative, no number of sales breaks even — the price or the variable cost has to change first.
See your payment, total interest, and exactly how much an extra monthly payment saves you — in dollars and in years.
Payment uses the standard amortization formula. Extra payments go straight to principal, which shortens the loan and cuts total interest — the savings grow the earlier in the loan you start. Taxes and insurance are shown in the all-in monthly cost but don’t affect payoff time.
Turn a month of revenue and costs into the three numbers every owner should know: gross margin, net margin, and markup.
Margin is profit as a share of the selling price; markup is profit as a share of your cost. A $22 cost sold at $49 is a 122.7% markup but a 55.1% margin. Mixing them up is one of the most common pricing mistakes — price with margin, not markup.
Work out what to save each month to hit a goal — emergency fund, tax bill, equipment, or a down payment — with interest helping.
If you enter a monthly amount, the calculator switches and tells you when you’ll actually reach the goal at that pace.
For variable freelance income, aim first for one month of essential expenses, then build toward 3–6 months. Keep it in a separate high-yield savings account so a slow month doesn’t become debt.
Rental ROI — before making an offer on a property. Freelance Tax — every time you get paid, to move the tax share aside. Break-Even — when setting prices or taking on a new fixed cost. Mortgage Payoff — before refinancing or adding extra payments. Profit & Margin — at every month-end close. Savings Goal — whenever a big bill or purchase is coming.