A digital pocket knife for everyday calculations

Live FX Sync • 15 Currencies

Money • Flagship Tool

Freelance Rate & Retainer Calculator

Figure out what you actually need to charge per hour, day, or month. Factors in unbillable admin time, self-employment taxes, and overhead so you never underprice your work.

• Burnout & Capacity Check: See if your target weekly workload is realistic
• 1-Click Pitch Generator: Creates a clear, professional proposal email for clients
• Live Currency Conversion: Automatically convert rates across 15 global currencies

Open Rate Calculator

2024/2025 IRS • SECA & QBI

Tax • Flagship Tool

W-2 to 1099 Calculator & Rate Converter

Determine your exact break-even contractor hourly rate from any salaried job. Accounts for the 15.3% SECA tax, lost 401(k) matches, health insurance, unbillable admin drag, and Section 199A QBI pass-through deductions.

• Break-Even Hourly Solver: High-precision numerical bisection guarantees purchasing parity
• Dual Waterfall Modeling: Compare FICA vs SECA, federal, state, and benefit costs
• Recruiter Pitch Generator: 1-click negotiation justification script with your figures

Open W-2 to 1099 Calculator

85+ Global Hubs • Live Math

Relocation • Flagship Tool

Expat Tax & Cost of Living Calculator

Thinking of moving or working remotely from another city? Compare your take-home pay, local taxes, rent, and monthly savings across 85+ global destinations.

• Real Expat Tax Regimes: Models Spain's Beckham Law, Portugal IFICI, Dubai 0% tax, and more
• Nomad Visa Screener: Check if your earnings meet official visa income requirements
• Custom City Simulator: Plug in your own estimated rent and tax brackets for any location

Open Relocation Calculator

Prompt Caching • 11 Models

AI Systems • Flagship Tool

AI Token & API Cost Calculator

Accurately forecast and compare monthly API spend across GPT-4o, Claude 3.5, Gemini 2.0, DeepSeek, and Groq. Includes live prompt caching discounts, batch pricing, FX fees, and unit economics.

• Multi-Model Leaderboard: Real-time cost comparison across 11 frontier and open-weight models
• Smart Routing Arbitrage: Save 60-80% by routing routine traffic to lightweight sub-tier models
• Global Multi-Currency FX: View costs in 15 global currencies with foreign transaction markups

Open AI Token Calculator

Golden Hour • 1-Click Slack Invite

Remote Teams • New Engine

Team Timezone Overlap & Golden Hour Finder

Coordinate meetings across global distributed teams without timezone fatigue. 24-hour visual waking heat map with automatic Golden Overlap detection and 1-click formatted Slack invites.

• 24-Hour Timeline Heat Map: Visualizes working, shoulder, and sleep hours
• Automatic Golden Window: Solves optimal hours with highest team overlap
• 1-Click Invite Copy: Ready-to-paste local times for Slack, Teams, or email

Open Timezone Matrix

100% In-Browser • Vector PDF

Finance • New Engine

Client-Side Invoice & Estimate Generator

Generate professional vector PDF invoices, estimates, and receipts without signing up or uploading sensitive company data. Live split-screen preview with multi-currency and VAT support.

• Zero Cloud Tracking: Financial records exist only in browser memory
• Instant Vector PDF Export: Clean print-ready formatting with zero watermarks
• LocalStorage Profile Saver: Remembers your business details locally

Open Invoice Generator

Multi-Platform • Agency Benchmarks

Creators • New Engine

Creator Brand Sponsorship Rate Engine

Stop guessing or undercharging for brand sponsorships. Calculates 3-tier rates across YouTube, TikTok, Newsletters, and Podcasts with ad whitelisting rights and copy-ready pitch memos.

• Multi-Factor Pricing: Verified median reach, niche CPMs & Tier 1 audience
• Commercial Rights Stacking: Price paid ad whitelisting and competitor exclusivity
• 1-Click Counter-Pitch Memo: Professional response email ready to send

Open Creator Rate Engine

Live Engine • Panic Mode

Money • Flagship Tool

Solopreneur Runway & Burn Rate Calculator

Model your exact zero-cash horizon, blended personal & business burn rate, emergency panic survival threshold, and weekly burnout capacity with live multi-currency arbitrage.

• Cash Horizon & Zero-Cash Date: Real-time month-by-month cash exhaustion dates
• Panic Mode Survival Switch: Instant zero-discretionary emergency baseline simulation
• 24-Month Depletion Curves: 0% & 50% revenue stress test decay curves

Open Runway Calculator

15 Currencies • Chart.js

Finance • Utility

50/30/20 Budget & Paycheck Splitter

Divide your take-home pay into Needs (50%), Wants (30%), and Savings (20%) instantly. Visual breakdown chart with custom slider percentages and live currency conversion.

• Dynamic Pie Chart: Real-time visual allocation across the 3 core buckets
• Custom Percentage Sliders: Customize to 60/20/20 or 70/20/10 for high COL cities

Open Budget Splitter

SaaS • Audit

Finance • Tool

Subscription & Silent Drain Audit

Audit monthly recurring software subscriptions, calculate total annual drain, and model 5-year compound growth lost to forgotten services.

Audit Subscriptions

Debt Free Matrix

Finance • Tool

Debt Snowball vs. Avalanche Payoff

Compare psychological snowball momentum against mathematical interest avalanche to calculate exact months saved and interest eliminated.

Compare Payoff Strategies

Etsy • eBay • Fiverr

Finance • Tool

Side Hustle Profit & Platform Fee Calculator

See your true net margin after marketplace transaction fees, payment processing cuts, shipping costs, and income tax withholdings.

Calculate Net Margin

Live Stopwatch

Remote Teams • Tool

Real-Time Meeting Cost Burn Ticker

Watch dollars burn second-by-second during corporate Zoom calls based on attendee headcount, average salaries, and opportunity cost.

Start Burn Ticker

Productivity

Productivity • Tool

Screen Time Opportunity Cost Calculator

Translate daily doom-scrolling hours into lifetime lost days, books unread, and financial earnings foregone at your hourly earning rate.

Calculate Opportunity Cost

Mobility Audit

Mobility • Tool

Car Ownership vs. Uber & Transit

Compare true monthly car costs (depreciation, insurance, gas, maintenance, parking) against rideshare and public transit across 10 global cities.

Compare Mobility Costs

Media • Math

Media • Tool

Audiobook & Video Speed Saver

Calculate exact hours and minutes saved by listening or watching media at 1.25x, 1.5x, 1.75x, or 2x speed with comprehension benchmarks.

Calculate Time Saved

Circadian • Cycles

Everyday • Health

Sleep Cycle & REM Clock Optimizer

Find optimal bedtimes and wake-up alarms based on natural 90-minute REM sleep cycles to wake up refreshed without grogginess.

Calculate Sleep Cycles

Kitchen • Math

Everyday • Cooking

Recipe Scaler & Unit Converter

Scale ingredient quantities seamlessly by serving size. Convert between metric grams/milliliters and imperial cups/spoons with smart culinary rounding.

Scale Ingredients