🧭 Topics
Each topic is a complete guide to one subject — the rules, the arithmetic, and the vocabulary — with every calculator, document walkthrough, and defined term for that subject collected in one place. Verifiable facts with official sources, never advice, and every page ends by deferring to the agency that actually decides.
What Hiring Actually Costs
What an employee costs a US employer beyond the wage: Social Security to the annual ceiling, Medicare with no ceiling, federal unemployment tax after the state credit, state unemployment at each state's own wage base, benefits benchmarked to federal survey data, and the hours you should divide by.
2 calculators · 4 sections · updated 2026-08-05
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Pricing, Margin and Break-Even
The arithmetic behind what you charge: contribution margin and the volume that covers your costs, cash break-even against the accounting one, the difference between margin and markup, and rates built from the hours you can genuinely bill rather than a notional working year.
3 calculators · 4 sections · updated 2026-08-05
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What It Costs to Start and Keep a Business
Formation fees, the annual obligations that follow them, and the cash needed to open and survive with no revenue. Including the out-of-state structure most often sold as a saving, which on fees is never one.
2 calculators · 4 sections · updated 2026-08-05
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When Software Replaces a Hire
The decision underneath the BizForce suite: what an unanswered call is worth, what covering it costs by each available route, why 168 hours is the right denominator, and the volumes at which the honest answer is to buy nothing at all.
1 calculators · 4 sections · updated 2026-08-05
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Annual update alerts — new IRS and state figures the week they drop
One email when the numbers change. Double opt-in, no spam, unsubscribe anytime.