Resources
Free tools for people who make their own paycheck.
No employer is withholding your taxes, matching your 401(k), or smoothing out a slow month. These calculators and guides do the arithmetic that job would have done for you — free, no account needed.
Calculators
Calculator
Retirement planning for the self-employed
SEP-IRA vs Solo 401(k) vs IRA, how much you can put away on 1099 income, and what it compounds to.
Open the calculator →Calculator
Budget planning on irregular income
A budget that works when no two months look alike: reserve first, pay yourself a steady number, cap the rest.
Open the calculator →Guides
Quarterly estimated taxes, explained
When they're due, how much to send, and how to stop dreading April.
Deductions you're probably missing
The line items self-employed drivers and contractors leave on the table every year.
What a valid mileage log looks like
The four fields the IRS actually wants, and how to capture them without an app-tax.
Debits vs credits without the jargon
Bookkeeping vocabulary, translated into money going in and money going out.
These get sharper once your books are in.
Inside Hate Ledger, the same calculators pull your real net income, your reserve balance and your actual category spend — and track streaks and milestones as you keep them current.
Educational only. Nothing here is investment, legal or tax advice.