CALCMONEY // GUIDES // PAGE 4 OF 14
Blog.
Numbers-first guides on mortgages, taxes, retirement, and net worth. No opinions, no fluff.
Bitcoin hike: The After-Tax Proceeds Calculation at Current Prices — Jun 17, 2026
Summer Is Coming–But There's No End in Sight for This Crypto Winter
How to Calculate Your Spousal Social Security Benefit Amount
Most married couples leave Social Security money unclaimed because they misunderstand the spousal benefit formula. The maximum spousal benefit is not half of whatever your spouse receives. It's half of their primary insurance amount, and the difference can cost you thousands per year.
Pension Lump Sum vs Annuity: How to Calculate Which Is Worth More
Most pension recipients pick an option without running the math. That decision can cost $200,000 or more over a 20-year retirement. The correct answer depends on three variables most advisors underweight.
IRS Crypto Ruling: What It Means for Your 2026 Capital Gains — Jun 16, 2026
BlackRock's new bitcoin ETF lets institutions earn from volatility. There's a catch.
How to Calculate SIMPLE IRA Contribution Limits Including Employer Match
Most SIMPLE IRA participants leave employer match money on the table by miscalculating their own contribution ceiling. The 2025 limit is $16,500, but that number alone tells you almost nothing. Understanding how the match interacts with your elective deferrals changes what you actually owe yourself.
Mega Backdoor Roth: The $43,500 Conversion Most High Earners Miss
Most high earners max their 401(k) at $23,500 and stop there. That leaves up to $43,500 of after-tax contribution room untouched every year. The mega backdoor Roth converts that money into tax-free growth, permanently.
Bitcoin hike: The After-Tax Proceeds Calculation at Current Prices — Jun 16, 2026
Crypto News Today (June 15): BTC Back Above $66K, Bank of Japan Announces Rate Hike, BlackRock BITA Fund Receives SEC Approval
How to Calculate the QBI Deduction as a Self-Employed Person
Most self-employed people claim the QBI deduction incorrectly, or miss it entirely. The deduction can reduce your taxable income by up to 20%, but the calculation involves three separate limits that interact in ways most tax software glosses over. Get the math right and you keep thousands more.
How to Calculate If Your Social Security Benefits Are Taxable
Most retirees assume Social Security arrives tax-free. It doesn't. Up to 85% of your benefit can become taxable income, and the threshold that triggers it hasn't been adjusted for inflation since 1984.
How to Calculate Section 179 Vehicle Depreciation and Maximize Your Deduction
Most business owners deduct vehicle costs using straight-line depreciation and leave tens of thousands of dollars on the table. Section 179 lets you write off up to $31,300 on a qualifying SUV in a single tax year. The math is not complicated, but the rules are specific enough to punish guesswork.
How to Calculate the Business Mileage Deduction in 2026 (And Stop Leaving Money Behind)
Most self-employed taxpayers undercount their deductible miles by 15% to 30% because they track reactively, not systematically. The IRS standard mileage rate for 2026 is 70 cents per mile, and every unlogged trip is a direct cash loss. This post shows you exactly how to calculate what you're owed.
Bitcoin hike: The After-Tax Proceeds Calculation at Current Prices — Jun 15, 2026
Donald Trump: Deal With Iran is Complete – Bitcoin, Gold and Oil React
Home Office Deduction: Two Methods, One Clear Winner for Your Tax Bill
Most self-employed workers pick the simplified method because it requires less paperwork. That choice costs some of them over $1,500 per year. The IRS offers two distinct calculation methods, and the math determines which one you should use.
How to Calculate Schedule C Deductions for Self-Employed People
Most self-employed people underclaim Schedule C deductions by thousands of dollars each year. The IRS allows far more than the obvious expenses, and the calculation rules are specific. Miss them, and you overpay.
How to Calculate Rental Income Tax and Every Allowable Deduction
Most landlords overpay rental income tax by hundreds of dollars annually because they miss legitimate deductions hiding in plain sight. The IRS allows far more write-offs than mortgage interest alone. This guide shows you the exact calculation, line by line.
Depreciation Recapture Tax: How to Calculate What You Actually Owe When You Sell
Most rental property owners know depreciation saves them money every year. Few realize the IRS collects that entire savings at sale, taxed at a rate that can exceed your long-term capital gains rate by 10 percentage points. Running the wrong number here costs real money.
Bitcoin hike: The After-Tax Proceeds Calculation at Current Prices — Jun 14, 2026
Why Is Institutional Money Pouring Into XRP ETFs While Fleeing Bitcoin and Ethereum?
Short-Term vs Long-Term Capital Gains: How to Calculate Your Real Tax Rate
Most investors know the holding period rule. Few actually calculate what it costs them to get it wrong. A single premature sale can push your effective tax rate from 15% to 37% on the same profit.
How to Calculate ESPP Tax on Company Stock Purchase Plans
Most ESPP participants report their taxes wrong and overpay as a result. The IRS treats ESPP income across two separate tax events, and conflating them costs real money. Here is exactly how the math works.
IRS Crypto Ruling: What It Means for Your 2026 Capital Gains — Jun 13, 2026
Crypto should adopt the best of centralization, says LMAX CEO
ISO vs NSO Stock Options: How to Calculate What You Actually Owe in Taxes
Most employees with stock options discover their tax bill only after the damage is done. ISO and NSO options follow completely different tax rules, and confusing them can cost you tens of thousands of dollars. Here is how to run the numbers before you exercise.
Bitcoin hike: The After-Tax Proceeds Calculation at Current Prices — Jun 13, 2026
Bitcoin rebounds above $63,000 as Iran optimism boosts risk appetite
How to Calculate RSU Tax Liability When They Vest
Most RSU holders underestimate their tax bill by thousands of dollars because they treat vest date value as a future problem. The IRS treats it as current income the moment shares land in your account. Running the numbers before vesting, not after, is the only way to avoid a cash shortfall at filing.
How to Calculate Quarterly Tax Payments as an Independent Contractor
Most independent contractors underpay quarterly taxes and absorb IRS penalties they never see coming. The calculation isn't complicated, but the default assumptions most people use are wrong. Here's the exact method.
How to Calculate 1099 Income After All the Taxes You Actually Owe
Most 1099 earners underpay taxes by thousands of dollars each year because they calculate the wrong base. The self-employment tax alone adds 15.3% before federal income tax touches your income. Run the numbers correctly once, and you will never be surprised by a tax bill again.
IRS Crypto Ruling: What It Means for Your 2026 Capital Gains — Jun 12, 2026
Bloomberg Analyst: Most Bitcoin ETF Investors Have Stayed Put Despite Outflows
How to Calculate Billable Hours Utilization Rate for Service Businesses
Most service businesses track billable hours. Almost none track utilization rate correctly. The gap between the two costs the average solo consultant $34,000 in unrealized annual revenue.
Amazon Seller Fees Are Eating Your Margin. Here's the Exact Math.
Most Amazon sellers calculate profit by subtracting product cost from sale price. That method ignores four separate fee layers and routinely overstates margin by 12 to 18 percentage points. The sellers who scale profitably run the full fee stack before they price a single unit.
Bitcoin hike: The After-Tax Proceeds Calculation at Current Prices — Jun 12, 2026
Bitcoin Demand Collapses to Level Seen Only 3 Times Since 2019
How to Calculate True Ecommerce Profit Margin Including All Fees
Most ecommerce sellers quote a margin number that ignores half their actual costs. Platform fees, payment processing, returns, and ad spend can quietly consume 30 to 40 percent of revenue before you notice. The math is not complicated, but you have to include every line item.
3 split: How This Affects Your Equity Compensation Tax — Jun 11, 2026
3 Reasons to Buy CrowdStrike Before Its Stock Split
How to Calculate Franchise ROI Before You Sign Anything
Most franchise buyers calculate ROI after signing the franchise disclosure document. That is already too late. The math on franchise profitability requires five distinct inputs, and missing any one of them inflates your projected return by 30% or more.
30-Year Rate Hits 6.9%: Weekly Mortgage Market Diagnostic — Jun 11, 2026
UK Proposal to Exempt Overtime from Income Tax Sounds Appealing but Is Highly Flawed
How to Calculate Your SaaS Valuation Multiple (And Why Most Founders Get It Wrong)
Most SaaS founders anchor on revenue multiples without adjusting for growth rate, churn, or net revenue retention. That single mistake can cost you millions at the negotiating table. The math is not complicated, but the inputs matter enormously.
Contractor vs Employee Total Cost: The Full Calculation Most Employers Get Wrong
Most hiring managers compare a contractor's hourly rate to an employee's salary and call it analysis. That comparison misses 20% to 35% of the true employee cost. Here is how to run the numbers correctly.
Bitcoin hike: The After-Tax Proceeds Calculation at Current Prices — Jun 11, 2026
Ethereum Fear Hits 2026 Extreme as History Points to a Rebound
IRS Crypto Ruling: What It Means for Your 2026 Capital Gains — Jun 11, 2026
It's not just bitcoin ETFs. Corporate BTC buying has dried up too
The True Loaded Cost Per Employee Is 1.25x to 1.4x Their Salary. Most Owners Get This Wrong.
Most business owners calculate payroll cost as the salary they agreed to pay. That number is wrong by 25% to 40% before the first check clears. The true loaded cost includes taxes, benefits, and overhead that never appear on the offer letter.
How to Calculate Working Capital and Avoid a Cash Crunch
Most business owners track profit and ignore working capital. That gap kills otherwise healthy companies. A firm earning $400,000 annually can still miss payroll if its cash cycle is misaligned.
How to Calculate EBITDA and What Buyers Actually Use It For
Most business owners quote their EBITDA wrong, and buyers notice immediately. A miscalculation of $50,000 in add-backs can swing a sale price by $250,000 at a 5x multiple. Here is the exact method acquirers use.
How to Calculate Churn Rate and Its True Revenue Impact
Most business owners track churn rate as a percentage and stop there. That percentage is hiding a dollar figure that compounds against you every quarter. The real damage shows up in lifetime value destruction, not the monthly headcount loss.
Bitcoin hike: The After-Tax Proceeds Calculation at Current Prices — Jun 10, 2026
MicroStrategy’s STRC Tracks Bitcoin Lower Again as Semi-Monthly Dividend Begins
IRS Crypto Ruling: What It Means for Your 2026 Capital Gains — Jun 10, 2026
Bitcoin ETFs are no bigger today than when Trump won the election
IRS Crypto Ruling: What It Means for Your 2026 Capital Gains — Jun 9, 2026
Crypto tax bills a work-in-progress as U.S. House lawmakers pose concerns
How to Calculate Monthly Recurring Revenue for a Subscription Business
Most subscription founders report MRR incorrectly by mixing one-time fees, annual prepayments, and trial conversions into a single number. That error distorts churn rates, misrepresents growth velocity, and produces forecasts that fail within 90 days. Here is the precise method.
The LTV to CAC Ratio: What a Healthy SaaS Business Actually Looks Like
Most SaaS founders track LTV and CAC as separate metrics and miss the only number that actually predicts survival. A 3:1 LTV to CAC ratio is the floor, not the goal. Get the exact calculation and see where your unit economics stand.
Bitcoin hike: The After-Tax Proceeds Calculation at Current Prices — Jun 9, 2026
Arthur Hayes Bets The AI Bubble Will Pop And Drag Bitcoin Down — Here's Why He Dumped HYPE, NEAR, ZEC And WLD
How to Calculate Customer Acquisition Cost (And Whether Yours Is Slowly Bleeding You Dry)
Most business owners calculate CAC wrong, mixing fixed overhead into variable spend and arriving at a number that flatters them. The correct formula changes the sustainability verdict entirely. Here is how to run it properly.