Small Business & Personal Finance Tools

Real Numbers for
Real Decisions

Financial calculators built for business owners and individuals who want the full picture — not the ballpark. Know your numbers before you commit.

Explore the Tools True Cost of an Employee →
25–40%
More than salary — true employee cost
3x
Revenue an employee should generate
$0
Cost to use any CalcWonk tool
100%
Browser-based — no signup required
The Toolkit

Stop Guessing. Start Calculating.

Each tool is built around a real financial decision — with the depth to actually be useful.

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Live
True Cost of an Employee
Salary is just the beginning. Calculate the real all-in cost of hiring — taxes, benefits, overhead, and more — before you make the offer.
Calculate now
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Coming Soon
Contractor vs. Employee Calculator
Is it actually cheaper to hire a 1099 contractor? Compare the true cost of both arrangements side by side — including tax implications and risk.
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Coming Soon
Cost of Employee Turnover
Losing an employee costs more than you think. Calculate the true cost of turnover — recruiting, training, lost productivity, and institutional knowledge.
Coming soon
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Coming Soon
Total Compensation Statement Builder
Show employees what they're really earning — salary plus benefits, retirement, PTO, and perks — with a shareable total compensation breakdown.
Coming soon
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Coming Soon
Small Business Break-Even Calculator
How much do you need to sell to cover your costs? Find your break-even point by product, service, or business unit — in units and in dollars.
Coming soon
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Coming Soon
Business Loan True Cost Calculator
APR doesn't tell the whole story. Calculate the real cost of a business loan — total interest, effective rate, and monthly cash flow impact.
Coming soon

Built for people who need to actually decide

Most financial calculators give you a number and leave you to figure out what it means. CalcWonk tools are built differently — every result comes with context, benchmarks, and a clear answer to the question you're actually trying to answer.

No signup. No upsells. No ads obscuring the result. Just the numbers you need, explained clearly.

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Decision-focused Every tool is built around a specific financial decision — not a generic formula.
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Instant results Numbers update in real time as you type. No forms, no waiting, no email required.
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Private by design Everything runs in your browser. Your numbers stay on your device — never uploaded.
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Explained, not just calculated Every result includes context — what the number means and what to do with it.

Start with the tool you need right now

Free to use. No account required. Results in under a minute.

True Cost of an Employee →