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Rubric Financial

Free Calculators

Quick estimates for the questions we hear most.

Free calculators for the most common small business and personal finance decisions. Directional only — for a real analysis, talk to a partner.

Looking for hard data instead of inputs? See SMB benchmarks →

S-Corp Savings Calculator

Estimate whether the S-corp election will actually save you money — net of payroll provider cost, extra tax prep, and California's 1.5% S-corp tax.

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Self-Employment Tax Calculator

Estimate Schedule SE tax — Social Security, Medicare, and additional Medicare tax — for sole proprietors, single-member LLCs, and freelancers.

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Quarterly Estimated Tax Calculator

Pick the cheaper of the 90%-current-year or prior-year safe harbor and divide into four quarterly payments. For 1099 earners, partners, and S-corp owners.

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QBI Deduction Calculator

Estimate the Section 199A pass-through deduction with SSTB phase-out and income thresholds. For LLC, partnership, and S-corp owners.

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1031 Exchange Calculator

Estimate the federal capital gains, §1250 depreciation recapture, NIIT, and state tax you can defer by exchanging one investment property for another.

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Cost Segregation Calculator

Estimate first-year tax savings from reclassifying portions of a real-estate purchase into 5-, 15-, and 39-year depreciation classes — with current bonus depreciation applied.

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Solo 401(k) vs. SEP-IRA Calculator

Compare maximum contribution limits and tax savings between a Solo 401(k) and a SEP-IRA for self-employed owners with no non-spouse employees.

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LLC or S-Corp? Decision Tool

5-question quiz with a CPA-grade verdict on whether the S-corp election makes sense for your LLC — based on profit, salary defensibility, state tax, and complexity tolerance.

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QSBS Qualifier

6-question check on §1202 Qualified Small Business Stock eligibility — up to $10M of capital gain tax-free at the federal level.

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Real Estate Professional Status Qualifier

6-question quiz determining §469(c)(7) qualification — letting rental losses offset wages and other non-passive income.

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Audit Risk Assessment

7-question check on IRS audit risk for small business owners — owner comp, personal expenses, cash controls, multi-state nexus.

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More calculators coming. Have a request? Tell us.

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