Should you form an LLC or become an S-corp? How much can you safely pay yourself? What will a loan, credit line or card really cost? Nine free calculators with 2026 tax rules and state fees for the 10 largest states. No signup needed. New to this? Start with LLC vs. S-corp: when does switching save money?
Break-even, startup cash, paying yourself, taxes, S-corp timing, borrowing and the true cost of a first hire. One page, with a free calculator for each.
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Disclosure: this site contains affiliate links, which may earn us a commission at no extra cost to you. All results are estimates for planning, not tax, legal or financial advice. Tax figures use 2026 federal numbers: 15.3% self-employment tax on 92.35% of net earnings and a $184,500 Social Security wage base. State income tax uses the Tax Foundation's 2026 state brackets. State fees were checked in October 2026 for CA, TX, FL, NY, PA, IL, OH, GA, NC and MI; fees change, so confirm with your state before filing. An S-corp or LLC decision should be confirmed with a CPA or attorney. Loan results assume fixed-rate, equal monthly payments; credit line and card results assume a steady rate and no new charges.