42+ free tools
Tools to make smarter financial decisions.
Comparison quiz, interactive calculators, and a financial glossary — all browser-side, no signup, your numbers stay local. Built with CPA-level expertise from the ClearValue Lending team.
Start here
Comparison Quiz — Find Options That Fit Your Situation
NewAnswer a few questions across any financial category and see picks most likely to match your profile. Business funding, personal loans, credit cards, banking, insurance, mortgages, auto, student loans, debt relief.
Try the quiz →Financial Glossary — 500+ Terms Explained
Plain-language definitions for every financing, banking, and credit term. No jargon — just clear answers to 'what does X mean?' questions.
Browse glossary →Calculators
Pure browser-side math — no signup, no credit pull. Run the numbers before you sign anything.
Tax & CPA tools
Business Mileage Deduction Calculator (2026)
Multiply business miles × IRS standard rate ($0.76/mi, effective July 1, 2026). Quick estimator with tax savings at your marginal rate.
Open tool →Home Office Deduction Calculator (2026)
Simplified vs regular method for your home office deduction. Comparison + best-method recommendation.
Open tool →1099 Contractor vs W-2 Employee True Cost Calculator (2026)
True cost comparison: 1099 contractor vs W-2 employee. The W-2 premium runs 15-35% on top of gross.
Open tool →S-Corp Tax Calculator (2026) — S-Corp vs LLC Savings & Reasonable Compensation
Should you elect S-corp? Estimate your true net SE tax savings vs default LLC — with payroll, tax-return, and reasonable-comp overhead baked in.
Open tool →Section 179 Calculator (2026) — Bonus Depreciation vs §179 First-Year Deduction
Compare Section 179 vs bonus depreciation for your 2026 equipment purchase — see the first-year deduction, tax savings, and whether the combined strategy maximizes your benefit.
Open tool →Quarterly Estimated Tax Calculator (2026) — Self-Employed Federal + SE + State Payments
Estimate your 2026 quarterly federal + SE + state tax payments in 30 seconds — with safe-harbor logic, due dates, and a recommended monthly set-aside percentage.
Open tool →Self-Employment Tax Calculator (2026) — SE Tax, FICA, Schedule SE
Schedule SE estimator for self-employed owners — 12.4% SS, 2.9% Medicare, 0.9% Additional Medicare, and the 50% SE-tax deduction at your marginal rate.
Open tool →Tax Refund Estimator (2025) — Federal Income Tax Refund or Balance Due
Income + withholding + deductions + dependents → estimated refund or balance due, effective rate, and W-4 adjustment suggestion when balance exceeds $1,000.
Open tool →Marginal vs. Effective Tax Rate Calculator (2025) — Federal Income Tax Breakdown
Taxable income + filing status → marginal rate, effective rate, the gap between them, and a bracket-by-bracket table showing what you actually pay at each rate.
Open tool →FICA vs. Self-Employment Tax Calculator (2025) — W-2 Employee vs. 1099 Contractor
Income → W-2 FICA vs. SE tax side-by-side: the 7.65% vs. 15.3% on 92.35% difference, Social Security wage base, Additional Medicare Tax, and the SE tax deduction.
Open tool →Cash flow
Cash Runway Calculator for Small Business
Cash on hand ÷ monthly burn = months of runway. Risk band + specific action steps for each tier.
Open tool →Break-Even Point Calculator for Small Business
Units to sell to cover fixed costs + contribution margin %. Foundation pricing math.
Open tool →Days Sales Outstanding (DSO) Calculator
How many days between invoice and payment? AR ÷ annual sales × 365. Health band + actions per tier.
Open tool →Customer Concentration Risk Calculator
Top customer revenue ÷ total revenue. Anything above 25% raises lender flags. Risk band + specific implications.
Open tool →Owner Pay-Yourself-First Calculator for Small Business
Profit First-style allocation: how much of monthly revenue should go to owner pay, tax, reinvestment, and operating.
Open tool →Decision tools
Good Debt Calculator for Small Businesses (2026)
Run the ROI test on any business debt: enter the all-in cost of capital, the cash flow it should produce, your term, and a downside scenario — get a productive / workable / doesn't-pencil verdict.
Open tool →Project ROI & Growth-Capital Financing Calculator
Project cost + expected revenue + financing terms → payback period + 24-month return. Productive-debt math.
Open tool →Credit Card vs Business Loan Cost Calculator
Credit card vs business loan for a specific expense: enter the amount, each APR, and your payoff plan — see total interest, monthly payment, and which path is cheaper.
Open tool →EBITDA Calculator (2026) — SMB Earnings Quality + Adjusted EBITDA
Compute EBIT, EBITDA, net income, and EBITDA margin from your income statement basics — with optional Adjusted EBITDA add-backs (owner comp, one-time items, related-party rent) for transaction-typical normalization.
Open tool →Business Credit Card: Rewards vs. Interest Calculator (2026)
Cashback rewards card vs. 0%-intro-APR card: enter your monthly spend and balance behavior — see rewards earned, interest paid, net benefit, and which card wins.
Open tool →Cost & math
Factor Rate Calculator (2026) — MCA APR Conversion & Merchant Cash Advance Cost
Convert any MCA factor rate to APR in seconds — get the simple-cost number AND the true amortizing APR, with worked examples and a verdict on whether the math pencils.
Open tool →SBA 7(a) Loan Payment Calculator (2026) — Monthly Payment, Interest, Guarantee Fee
SBA 7(a) is variable-rate (Prime + spread). Run loan amount × term × spread to estimate monthly payment + total interest + upfront guaranty fee.
Open tool →SBA 504 Loan Payment Calculator (2026) — Bank + CDC Blended Payment, Equity Injection
SBA 504 is a 3-piece stack: bank (50% variable) + CDC (40% fixed) + equity (10–25%). Run total project cost × equity % to estimate the blended payment.
Open tool →Business Loan Amortization Calculator (2026) — Payment, Interest, Full Schedule
Plug in any business loan amount, term, and rate. See the monthly payment, total interest, the full period-by-period schedule, and side-by-side term comparisons.
Open tool →Mortgage Payment Calculator (2026) — Monthly PITI Estimator
Monthly P+I, full PITI, total interest, and payment breakdown — adjust rate, term, taxes, insurance, and PMI.
Open tool →Mortgage Affordability Calculator (2026) — How Much Home Can You Afford?
Income + DTI target + down payment → max home price, max loan amount, and max monthly housing payment.
Open tool →FIRE Number Calculator (2026) — Financial Independence Retire Early
Annual expenses + savings rate → FIRE number, progress bar, years to financial independence, and required savings for a target FIRE age.
Open tool →Lump Sum vs. DCA Calculator (2026) — Invest All at Once or Dollar-Cost Average?
Lump sum amount + DCA period + return rate → final values for both strategies, historical win rate, and drawdown exposure comparison.
Open tool →Mortgage vs. Invest Calculator (2026) — Extra Payment or Invest the Difference?
Extra payment + mortgage rate + investment return → total interest saved (fixed) vs. investment growth (expected), after-tax comparison, and a verdict.
Open tool →Business Banking Monthly Cost Calculator (2026)
Estimate your actual monthly business banking fees across wire transfers (in/out), ACH, cash deposits, sub-accounts, and maintenance — then see the annual total.
Open tool →Business Line of Credit Calculator (2026) — LOC Payment, Interest & Utilization
Calculate what a business line of credit actually costs: monthly interest, total interest over your chosen horizon, and utilization percentage. Switch between interest-only and amortizing repayment modes.
Open tool →Credit Card Payoff Calculator
Enter your balance, APR, and monthly payment to get your payoff timeline and total interest cost.
Open tool →Insurance Cost Estimator
See typical annual insurance costs by type before you start shopping — based on NAIC and KFF national average data.
Open tool →HELOC Payment Calculator (2026) — Draw vs Repayment Estimator
Draw-period interest-only payment, repayment-period P+I, payment shock, and total interest — for your HELOC balance and current rate.
Open tool →Roth IRA Calculator (2026) — Tax-Free Growth Projection & IRS Limits
Age + current balance + annual contribution + expected return → projected Roth IRA balance at retirement, with the 2026 IRS limit applied automatically.
Open tool →Eligibility checkers
DSCR Calculator 2026: Which Loan Tier Does Your File Clear?
Calculate your Debt Service Coverage Ratio in 5 seconds — and see exactly which financing tier your file qualifies for (SBA, bank, non-bank, or below).
Open tool →SBA 7(a) Eligibility Quick-Check
SBA 7(a) eligibility heuristic: time in business, FICO, revenue, profitability → likely / borderline / not right product.
Open tool →Risk diagnostics
Ready to apply after running the numbers?
One application routes you to the lender partner best matched to your business profile.
Start an application →