ZTax / Financial decision tools
Clearer numbers.
Better next steps.
25 free calculators for tax planning, payroll, profitability and cash flow. Explore your options, compare scenarios and bring better questions to your accountant.
Instant results · No sign-up · US-focused tax estimates
Personal tax calculators
US federal • 2026
Income Tax & Take-Home Pay Calculator
Estimate federal income tax and annual take-home pay, then see what that means monthly, weekly and per pay period.
US federal • 2026
Capital Gains Tax Calculator
Estimate federal tax on a simple investment disposal, including the effect of other taxable income.
US federal • 2026
Rental Property Tax & Cash Flow Calculator
Separate rental taxable profit from cash left after loan principal, capital spending and estimated income tax.
US federal • 2026
Dividend Tax Calculator
Compare the federal treatment of ordinary and qualified dividends with your other taxable income.
USD • Planning model
Retirement Savings Projection Calculator
Project monthly savings and employer contributions, with a comparison in today's dollars.
USD • Custom jurisdiction rates
Property Transfer & Closing Cost Calculator
Estimate acquisition cost using a verified local transfer-tax rate, fixed charges and other closing costs.
Business tax calculators
US federal • 2026
Self-Employed Tax Calculator
Turn projected freelance revenue and costs into a profit, federal tax estimate and monthly reserve.
USD • Custom transaction rate
Sales Tax Add & Remove Calculator
Add tax to a net price or extract tax already included in a total. Use the rate that applies to your transaction.
US federal • 2026
C Corporation Income Tax Calculator
Estimate ordinary federal C corporation tax from book profit, tax adjustments and usable losses.
US federal • 2026
Business Expense Tax Savings Calculator
Compare federal ordinary income tax before and after a currently deductible expense.
US federal • 2026
Estimated Tax & Reserve Calculator
Compare projected annual tax with payments and estimate the cash reserve still needed.
US federal • 2026
Sole Proprietor vs S Corporation Calculator
Compare two simplified business tax structures using the same underlying profit.
US federal • 2026
S Corporation Salary & Distribution Comparison
Compare the cash effect of two supportable salary scenarios before discussing compensation with your adviser.
USD • Custom transaction rate
Sales Tax Pricing Impact Calculator
See how absorbing sales tax affects revenue compared with adding tax to customer prices.
Payroll calculators
US federal • 2026
Employer Cost & Payroll Calculator
See the annual cost of hiring beyond salary, including employer payroll taxes, benefits and productive-hour cost.
Profitability calculators
USD • Planning model
Profit Margin, Markup & Selling Price Calculator
Compare margin and markup, test a discount and find the selling price needed for your target gross margin.
USD • Planning model
Break-Even & Target Profit Calculator
Find the units and revenue needed to cover costs and reach your target profit for one consistent period.
USD • Planning model
Book Depreciation Calculator
Create a full-year straight-line or declining-balance book depreciation schedule.
USD • Planning model
ROI, NPV & IRR Calculator
Evaluate an investment using annual cash flows, discounted value and simple return.
USD • Planning model
Business Valuation DCF Calculator
Explore an illustrative enterprise and equity valuation from free cash flow and long-run assumptions.
Cash flow calculators
USD • Planning model
Business Loan & Amortization Calculator
Estimate a fixed-rate monthly payment and see how extra payments affect interest and payoff time.
USD • Custom rates
Late Payment Interest & Penalty Estimator
Model a balance using entered interest and penalty assumptions, with simple or daily-compound interest.
USD • Planning model
13-Week Cash Flow Forecast Calculator
Map weekly receipts and payments, identify the lowest cash point and estimate a funding gap.
USD • Planning model
Working Capital & Cash Conversion Calculator
Compare inventory, collection and payment days to see how operations tie up cash.
USD • Planning model
Lease vs Buy Calculator
Compare present-value costs over the same horizon using your financing and tax assumptions.
Useful estimates. Visible assumptions.
Federal tax tools use 2026 rules within their stated scope. Other tools use the rates and assumptions you enter. Each calculator explains its method, shows a breakdown, supports scenario comparison and offers print and CSV exports.
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