Calculators for Every Scenario
Whether you're evaluating a job offer, pricing contract work, or understanding your tax burden, our calculators provide the financial clarity you need.
Secure Money Math started when our founders lost their jobs in 2026 and began paying closer attention to personal finance: unemployment benefits, tax implications, contractor vs. employee tradeoffs. Along the way, they realized the information was scattered, often behind paywalls, and rarely explained clearly. They decided to share what they were learning and build free resources to help others navigate the same decisions.
Contractor Rate Calculator
Find the hourly rate you need as a contractor to match an employee salary.
Employee Salary Calculator
Find the salary you need as an employee to match your contractor income.
Income Tax Calculator
See how progressive brackets apply and compare effective vs marginal rates.
Capital Gains Tax Calculator
Calculate federal and state tax on investment gains for all 50 states.
Unemployment Benefits Calculator
Estimate your weekly unemployment benefit amount by state.
What Makes Our Calculators Accurate
Every calculator starts with extensive research. We verify rates, formulas, thresholds, and rules directly from official government sources, including state labor departments, revenue agencies, the IRS, and published statutes. We never rely on secondary summaries when an official source is available.
Our research process includes cross-referencing multiple sources for each data point, flagging ambiguities for manual review, and documenting the source URL for every figure in our data layer. When states update their rules annually, we track effective dates and refresh our research on schedule.
Beyond Calculators: Learn
Our calculators are backed by plain-English explanations, curated official sources, and a growing glossary of financial terms. Everything is connected: topics link to calculators, resources cite official sources, and glossary terms explain the jargon.
Why Choose Our Calculators?
100% Free
No registration, no hidden fees, completely free to use
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All calculations happen in your browser, no data stored
Instant Results
Get accurate calculations in seconds, no waiting