For people who actually like numbers

Real Numbers for Real Decisions

Financial calculators built for small business owners and individuals who want the full picture — not the ballpark.

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7 Free calculators

0 Sign-ups required

100% Runs in your browser

The Tools

Each calculator is built around a real decision — not just a formula.

Small Business

True Cost of an Employee

Salary is just the start. See the real all-in cost including taxes, benefits, and overhead.

Contractor vs. Employee

1099 or W-2? Run the true cost comparison before you decide.

Cost of Employee Turnover

What does it really cost when someone leaves? The number is bigger than you think.

Break-Even Calculator

How much do you need to sell to cover your costs? Find your number.

Profit Margin Calculator

Gross, operating, net — know your margins before your accountant does.

Business Loan True Cost

APR doesn't tell the whole story. See what that loan actually costs you.

Personal Finance

Roth vs. Traditional IRA

Tax now or tax later? Model both scenarios over your actual timeline.

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Rent vs. Buy Calculator

The real comparison, including opportunity cost, maintenance, and equity.

Coming Soon

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Compound Interest Calculator

See what your money becomes over time — and what waiting costs you.

Coming Soon

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Investment Fee Impact

A 1% fee sounds small. See how much it costs over 30 years.

Coming Soon

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Mortgage Affordability

What can you actually afford? Beyond the bank's pre-approval number.

Coming Soon

Why CalcWonk?

Most calculators give you a number. We give you the full picture — context, benchmarks, and plain-English insight so you know what to do next.

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Built around decisions

Every tool is designed around a real choice you're facing — not just a formula to fill in.

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Your numbers are never stored or shared

Your numbers are never stored or shared. Calculations happen in your browser, and your PDF is generated on your device — not our servers.

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Insight, not just output

Results come with context — benchmarks, rules of thumb, and what the number actually means.

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Always free

No paywalls, no sign-ups, no tricks. We earn through affiliate recommendations when they're relevant.

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Built by someone who has run these numbers for real

CalcWonk was created by Brian Schmidt — a public policy expert and nonprofit executive with 20 years of experience managing multi-million dollar budgets, overseeing payroll and HR systems, and making the kinds of financial decisions these calculators are built around. Every tool on this site started as a problem Brian needed to solve in his own work.

Meet Brian and learn why CalcWonk exists →

Start with the numbers.

Seven free calculators built for business owners and individuals who want real answers.

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