Gross margin
Profit after direct costs, as a percent of revenue.
Calculate margin →Clear tax and bookkeeping tools
Educational estimators and plain-language guides for small-business money questions — not a substitute for a CPA.
Important: Educational estimates only. Not tax, legal, or accounting advice. AI Accounting Desk is not a CPA firm and does not provide professional services. Verify figures with a licensed professional and official IRS sources (irs.gov) before making decisions.
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No login. The math runs in your browser. Every result is an estimate. Tax-year figures are labeled and linked to the IRS or SSA.
Bookkeeping calculators
Markup vs margin
See how a markup on cost differs from a margin on price.
Compare the two →Break-even
Units and sales dollars where contribution covers fixed costs.
Find break-even →Cost of goods sold
Beginning, additions, and ending inventory, in one total.
Compute COGS →Straight-line depreciation
Even book depreciation over the life you choose.
Depreciate →Invoice late fee
Percent, one-time, or flat fee on an unpaid balance.
Figure the fee →Cash runway
How many months the cash lasts at the burn you enter.
Estimate runway →Cash conversion
How many days a sale ties cash up in the operating cycle.
Measure the cycle →Liquidity ratios
Current ratio, quick ratio, working capital, and debt-to-equity.
Read the ratios →Target profit
The unit count for a profit goal, not just the break-even point.
Hit the goal →Job profit
Billed amount minus direct cost minus overhead you choose.
Price the job →FIFO, LIFO, average
Three costing flows from the same purchase layers.
Cost the layers →Loan payment
Payment, total interest, and the first month’s split.
Split the payment →Early-pay discount
What 2/10, net 30 saves, and what waiting costs.
Price the discount →Billable rate
Target pay and overhead, spread over hours you can invoice.
Find the rate →Prepaid expense
The monthly slice of an upfront insurance or rent payment.
Spread the cost →Tax estimators
MACRS lookup
Half-year rates from Publication 946 applied to your basis.
Look up a year →Mileage rate
72.5 cents per business mile for 2026, from Publication 334.
Multiply miles →Paycheck estimator
Federal income tax and FICA on a 2026 salary, roughly.
Estimate take-home →Payroll tax
Both sides of FICA, including the wage-base cutoff.
Estimate FICA →Self-employment tax
The regular Schedule SE method on a profit you enter.
Estimate SE tax →Estimated tax
Safe-harbor math for four equal installments you still must check.
Split the quarter →2026 deadlines
April, June, September, and January dates, plus a countdown.
See the dates →Weekly overtime
Straight time through 40 hours, then time and a half.
Gross the week →Employee vs contractor
The employer FICA gap beside a 1099 invoice.
Compare the cost →Section 179 limit
The published ceiling after the investment reduction.
Check the cap →Everyday money tools
Sales tax
Add tax to a price or pull it back out of a total.
Calculate tax →Tip split
Percent, total, and a per-person share of the bill.
Split the tip →50/30/20 budget
Needs, wants, and savings from income you type.
Split income →Guides for small-business books
How the records fit together, from the first bank feed to cash versus accrual. Written as general education.
Bookkeeping basics
Seven steps from a new bank account to a monthly close.
Read the guide →Bank reconciliation
Make the book balance agree with the statement, item by item.
Read the guide →Cash vs accrual
The same job, two different months of income and expense.
Read the guide →Profit and loss
Read revenue, cost, margin, and expenses without confusing profit and cash.
Read the guide →Balance sheet
One date: what the business holds, what it owes, and the owner’s residual.
Read the guide →Expense categories
Which costs share an account, and which ones must not.
Read the guide →Draw vs salary
The transfer memo does not decide whether cash is an expense.
Read the guide →Invoice fields
The lines that let a customer pay and let the books stay honest.
Read the guide →Sales tax in the books
Hold the tax for the agency. Do not call the deposit income.
Read the guide →1099 vs W-2
Withholding, FICA, and the 2026 information-return threshold.
Read the guide →LLC vs S corp
State filing and federal election are not the same decision.
Read the guide →Accounting FAQ
Short answers, each one pointing at the longer page.
Read the guide →Debits and credits
Left side, right side, and a trial balance that only proves the sides match.
Read the guide →Customer deposits
Cash in the bank is not revenue if you have not done the work.
Read the guide →Closing entries
Income and expense go to zero. Assets and liabilities stay.
Read the guide →W-4, I-9, and W-9
Which form to collect depends on whether the person is an employee.
Read the guide →Accountable plan
When a reimbursement stays an expense, and when it becomes wages.
Read the guide →Bad debts
Remove a receivable you will not collect without recording the sale twice.
Read the guide →Checklists and starters
Month-end close
Bank, cards, receivables, liabilities, and both statements.
Open the checklist →Chart of accounts
Account numbers from cash through contract labor.
Open the checklist →Year-end close
What December adds after the monthly close is done.
Open the checklist →Ask the Desk (coming)
A guided desk for common “what does this mean?” money questions is on the roadmap. No chat yet — the tools and guides above work today.