Planning calculators

Enter your own numbers and read the formula behind the result. These tools do not predict hiring, pay, or exam results.

An adult learner uses a calculator and weekly planner to work through training costs.
An adult works through a training budget at home. AI-generated illustration.

Career constraint matcher

Choose the education, training length, and work setting that fit your life, then see which official profiles match.

Education · time · setting20 BLS profiles

Compare careers side by side

Choose two or three careers. The tool lines up their BLS figures, education, work setting, preparation estimate, costs, and credentials.

2–3 careersSame fields

Training investment calculator

Add cash costs and time away from paid work, subtract aid, and test a break-even assumption you control.

USD or CADCost · aid · break-even

Training ROI Calculator

Measure the true Return on Investment (ROI) for your next career move and see how many weeks it takes to break even.

USD or CADROI metrics

Compare two training programs

Put two written quotes on the same basis using tuition, required costs, grants or employer aid you will not repay, and income you expect to give up.

Two quotesSeven cost fields each

Study plan builder

Split the hours you have across listed credential topics over four to twenty-four weeks.

4–24 weeksVisible topic weights

EPA Section 608 type selector

Match an equipment scope to Type I, Type II, Type III, Universal, or the separate Section 609 route using current EPA definitions.

U.S. federal scopeCurrent EPA rules

Hourly-to-salary converter

Convert an hourly wage using the workweek and unpaid weeks you enter. The result also shows weekly and monthly amounts.

USD or CADYour schedule

Overtime pay calculator

Calculate your overtime pay and see how working extra hours at time-and-a-half or double time affects your weekly and annual income.

USD or CADTime-and-a-half / Double time

Certification ROI calculator

Enter credential cash costs, unpaid prep weeks, validity, and renewal fees. The tool reports a payback estimate from your expected pay change only.

Payback estimateYour inputs

Take-home pay estimator

Apply your own federal, regional, and payroll tax rates to gross pay to estimate net annual, monthly, weekly, and hourly take-home.

Use your ratesPlan-only, not tax advice

W-2 vs 1099 rate calculator

Find the equivalent independent contractor hourly rate you need to match a W-2 salary, considering self-employment tax, benefits, and unbillable time.

Freelance vs EmployeeAccounts for SE tax

Trade School vs College ROI

Compare the 10-year financial net worth of entering the workforce earlier through trade school versus attending a 4-year college.

10-year timelineOpportunity cost

Commute Cost vs. Higher Salary Calculator

Are you losing money by driving further for a higher hourly wage? Calculate the true cost of gas, vehicle maintenance, and lost time.

Commute costsReal hourly rate

Freelance Hourly Rate Calculator

Calculate your ideal freelance hourly rate to cover business expenses, unbillable time, and target profit.

Freelance rateProfit targets

Student Loan Payoff Calculator

Calculate how much time and interest you can save by making extra payments on your training debt.

Student loansDebt payoff

Commission Earnings Calculator

Calculate your total sales commission and overall earnings based on base salary, sales volume, and commission rate.

Sales rolesTotal income