Honed Money

Business finances.

Clear calculators for independent work, pricing, and the numbers behind a healthy business.

Self-Employment Tax Estimator

Estimate SE tax and quarterly payments.

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Freelance Rate Calculator

What hourly rate should you charge?

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Profit Margin Calculator

Margin vs. markup, finally clear.

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Break-Even Calculator

How many sales until you're profitable.

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Business Loan Calculator

Monthly payment and total cost of a loan.

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Employee Cost Calculator

What an employee really costs you.

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Cash Runway Calculator

How many months can you survive?

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Home Office Deduction Estimator

Simplified vs. actual method, side by side.

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Choose a tool to run the numbers. You can return to Honed Money from the link at the top of this page.