Calculators
Run the numbers yourself
Ten calculators we actually use with clients. The business-owner set chains together: 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.
Personal & Household
- Loan & AmortizationPayment, total interest, and what an extra payment saves
- Compound InterestWhat steady contributions grow into over time
- Retirement PlanProjected balance against what you will need
- Social Security62, full retirement age, or 70, and where they cross
- Mortgage PaymentPrincipal, interest, taxes, insurance, and PMI
Business Owners
- Business ValuationAn earnings multiple, less the discounts buyers apply
- Business SaleWhat actually lands in your account after fees and tax
- Wealth GapWhat retirement needs versus what you will have
- Value GapWhat the business has to be worth to close that gap
- QSBS ExclusionSection 1202 gain exclusion for C-corp stock
Loan & Amortization
Any fixed-rate loan: business term debt, an equipment note, a car, a mortgage. Add an extra monthly payment to see what it saves you.
- Payoff time
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- Total interest
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- Total paid
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Compound Interest
What a starting balance plus steady monthly contributions grows into. The gap between what you put in and what you end with is the whole argument for starting early.
- Total contributed
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- Growth
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- Growth as a share
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Retirement Plan
Projects what you will have against what your income goal will actually cost, with the income figure entered in today's dollars and inflated for you. If there is a shortfall, it shows what closing it would take.
- Projected at retirement
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- Capital needed
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- Years to retirement
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Mortgage Payment
The number that matters is not principal and interest, it is everything that leaves your account each month. Taxes, insurance, HOA, and mortgage insurance are broken out separately.
- Principal & interest
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- Property tax
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- Home insurance
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- HOA
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- PMI
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- Loan amount
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Business Valuation
A rough enterprise value from an earnings multiple, then equity value after cash and debt. The two discount fields are where most owners are surprised: a company that depends on the owner, or on one large customer, does not fetch the multiple the industry chart says it should.
- Adjusted earnings
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- Enterprise value range
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- Equity value range
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- Effective multiple
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Business Sale
Owners plan around the headline price. What funds your retirement is what is left after advisory fees, debt payoff, and tax. Enter the rates that apply to you: this tool assumes nothing about your situation.
- Transaction fees
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- Debt repaid
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- Taxable gain
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- Capital gains tax
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- Ordinary income tax
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- Total tax
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- Effective rate on price
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Wealth Gap
For most owners the business is the retirement plan. This is the exit-planning question: what will life after the business cost, what will you actually have, and how much of the answer is riding on one illiquid asset selling well.
- Capital needed at exit
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- Outside assets at exit
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- Business proceeds
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- Total available
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- Share riding on the business
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Value Gap
The wealth gap says what you need. This works backwards from that to what the business has to sell for, grossing the number up for the fees and tax that come out first, then compares it to where the business is actually heading. The answer an owner can act on is the last line: how much more EBITDA the company needs.
- Sale price required
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- Projected value at exit
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- EBITDA required at exit
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- EBITDA projected at exit
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- EBITDA to build
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QSBS Exclusion
If your company is a C-corp and the stock qualifies, Section 1202 can exclude a very large amount of gain from federal tax. The One Big Beautiful Bill Act changed this for stock acquired after July 4, 2025: a higher cap and partial exclusions at three and four years, where the old rule was all-or-nothing at five. Eligibility is technical, so treat this as a sizing exercise, not a determination.
- Exclusion earned
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- Exclusion cap
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- Gain excluded
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- Gain still taxable
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- Total tax
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- Net after tax
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About These Calculators
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. 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.
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. Talk to your CPA and attorney before relying on any of it.
Social Security. Before tax, and before the earnings test that applies if you claim early and keep working. Spousal and survivor benefits change this materially and are not modelled here. Figures are in today's dollars, so cost-of-living increases are left out of all three equally.
QSBS Exclusion. Section 1202 also requires an eligible C-corporation, original issuance, an active qualified trade or business, and a gross-asset test at issuance ($75 million for stock acquired after July 4, 2025, $50 million before). This calculator assumes those tests are met and only sizes the exclusion. Confirm eligibility with your CPA and counsel before relying on it.
Nothing you type is transmitted or stored. Every calculation runs in your browser.
Get your results as a PDF
A branded summary of the figures you entered, what they mean, and the assumptions behind them.
A Number Is a Starting Point, Not a Plan
If one of these came out somewhere you did not expect, that is worth a conversation. An Exploration Call is a straightforward look at where you stand, with no obligation.
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From the blog
September 1, 2026
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Social Security
Claiming early cuts the benefit for life; waiting raises it for life. The percentages are set by statute, not by markets: five ninths of one percent a month for the first three years you claim early, five twelfths after that, and eight percent a year for every year you wait past full retirement age, up to seventy. Put your number from your Social Security statement in and this shows all three, and the age at which waiting overtakes claiming early.