Shopfloor Mathhttps://shopfloor-math-us.vercel.app/Business calculators and guides for U.S. owners: loan payments, margins, break-even, payroll cost, self-employment tax and cash runway, with formulas shown.en-US 1099 Contractor vs. W-2 Employee Cost: How to Compare Fairly and Stay Complianthttps://shopfloor-math-us.vercel.app/costs-pricing/1099-contractor-vs-employee-cost/https://shopfloor-math-us.vercel.app/costs-pricing/1099-contractor-vs-employee-cost/Wed, 21 Oct 2026 00:00:00 GMTCompare the true cost of an independent contractor and an employee with a break-even hours example, the IRS classification factors and the penalties for getting it wrong. Break-Even Point Calculator: How to Find the Sales You Need to Cover Your Costshttps://shopfloor-math-us.vercel.app/costs-pricing/break-even-point-calculator/https://shopfloor-math-us.vercel.app/costs-pricing/break-even-point-calculator/Wed, 21 Oct 2026 00:00:00 GMTStep-by-step break-even formulas in units and dollars, with worked examples, a sensitivity table and the costs owners most often leave out of the calculation. 12 Business Math Mistakes That Quietly Cost Owners Money (and How to Avoid Them)https://shopfloor-math-us.vercel.app/mistakes-faq/business-calculation-mistakes/https://shopfloor-math-us.vercel.app/mistakes-faq/business-calculation-mistakes/Wed, 21 Oct 2026 00:00:00 GMTCommon calculation errors in pricing, forecasting, loans and taxes, with worked examples showing how each mistake distorts results and how to check your own numbers. Business Loan Payment Calculator: How Payments, APR and Total Cost Really Workhttps://shopfloor-math-us.vercel.app/costs-pricing/business-loan-payment-calculator/https://shopfloor-math-us.vercel.app/costs-pricing/business-loan-payment-calculator/Wed, 21 Oct 2026 00:00:00 GMTUnderstand the loan payment formula, the difference between interest rate and APR, how fees and term change total cost, and how to compare offers with a worked example. Cash Flow Runway Calculator: How Many Months Can Your Business Last?https://shopfloor-math-us.vercel.app/how-to-use/cash-flow-runway-calculator/https://shopfloor-math-us.vercel.app/how-to-use/cash-flow-runway-calculator/Wed, 21 Oct 2026 00:00:00 GMTCalculate burn rate and cash runway with simple formulas, a worked example, a 13-week forecast method and practical ways to extend your runway. 2/10 Net 30 Explained: The Real Annual Cost of Early-Payment Discounts and Late Feeshttps://shopfloor-math-us.vercel.app/mistakes-faq/early-payment-discount-net-terms-cost/https://shopfloor-math-us.vercel.app/mistakes-faq/early-payment-discount-net-terms-cost/Wed, 21 Oct 2026 00:00:00 GMTCalculate the annualized cost of early-payment discounts, late fees and invoice factoring, and learn when taking or offering a discount makes sense for your cash flow. Employee Cost Calculator: What a New Hire Really Costs Beyond the Paycheckhttps://shopfloor-math-us.vercel.app/costs-pricing/employee-cost-calculator/https://shopfloor-math-us.vercel.app/costs-pricing/employee-cost-calculator/Wed, 21 Oct 2026 00:00:00 GMTWork out the true annual cost of an employee with payroll taxes, unemployment insurance, workers' comp, benefits and overhead, using a worked example and checklist. Equipment Purchase ROI: How to Calculate Payback Before You Buy, Lease or Financehttps://shopfloor-math-us.vercel.app/how-to-use/equipment-purchase-roi/https://shopfloor-math-us.vercel.app/how-to-use/equipment-purchase-roi/Wed, 21 Oct 2026 00:00:00 GMTCalculate simple and discounted payback, ROI and the buy vs. lease question for business equipment, including how tax deductions like Section 179 change the math. Factor Rate vs. APR: How to Convert a Merchant Cash Advance Offer Into a Real Annual Costhttps://shopfloor-math-us.vercel.app/mistakes-faq/factor-rate-vs-apr-merchant-cash-advance/https://shopfloor-math-us.vercel.app/mistakes-faq/factor-rate-vs-apr-merchant-cash-advance/Wed, 21 Oct 2026 00:00:00 GMTA factor rate of 1.3 sounds like 30 percent, but the annualized cost can be far higher. Learn the conversion math, worked examples and questions to ask before signing. Hourly Rate Calculator for Freelancers and Consultants: Price Your Time to Cover Real Costshttps://shopfloor-math-us.vercel.app/how-to-use/hourly-rate-calculator/https://shopfloor-math-us.vercel.app/how-to-use/hourly-rate-calculator/Wed, 21 Oct 2026 00:00:00 GMTWork backward from the income you need to a billable hourly rate, with a worked example, a utilization table and tips for converting hourly rates to project fees. Payment Processing Fee Calculator: How to Find Your Effective Rate and Compare Quoteshttps://shopfloor-math-us.vercel.app/costs-pricing/payment-processing-fee-calculator/https://shopfloor-math-us.vercel.app/costs-pricing/payment-processing-fee-calculator/Wed, 21 Oct 2026 00:00:00 GMTLearn how card processing fees are built, how to calculate your effective rate from a statement and how flat-rate, interchange-plus and tiered pricing compare. Profit Margin vs. Markup: Formulas, Examples and How to Price for the Profit You Wanthttps://shopfloor-math-us.vercel.app/costs-pricing/profit-margin-vs-markup/https://shopfloor-math-us.vercel.app/costs-pricing/profit-margin-vs-markup/Wed, 21 Oct 2026 00:00:00 GMTLearn the difference between margin and markup, the formulas for each, a conversion table and how to set a price that actually delivers your target profit. Sales Tax Calculator for Small Businesses: Formulas, Nexus and What You Owehttps://shopfloor-math-us.vercel.app/how-to-use/sales-tax-calculator/https://shopfloor-math-us.vercel.app/how-to-use/sales-tax-calculator/Wed, 21 Oct 2026 00:00:00 GMTHow to calculate sales tax forward and backward, when you must collect it across states, what economic nexus means and how to avoid common filing mistakes. Self-Employment Tax Calculator: How to Estimate What You Owe and Set Money Asidehttps://shopfloor-math-us.vercel.app/how-to-use/self-employment-tax-calculator/https://shopfloor-math-us.vercel.app/how-to-use/self-employment-tax-calculator/Wed, 21 Oct 2026 00:00:00 GMTStep-by-step self-employment tax math with a worked example, the half-deduction, quarterly estimated payment dates and safe harbor rules to avoid underpayment penalties. Business Calculators: Which Ones Small Business Owners Actually Need in 2026https://shopfloor-math-us.vercel.app/costs-pricing/small-business-calculators-guide/https://shopfloor-math-us.vercel.app/costs-pricing/small-business-calculators-guide/Wed, 21 Oct 2026 00:00:00 GMTA practical map of the business calculators worth using, what each one answers, the inputs it needs and the mistakes that make results misleading. Small Business Financing Scams and Red Flags: How to Spot Them Before You Payhttps://shopfloor-math-us.vercel.app/mistakes-faq/small-business-financing-scams-red-flags/https://shopfloor-math-us.vercel.app/mistakes-faq/small-business-financing-scams-red-flags/Wed, 21 Oct 2026 00:00:00 GMTLearn the warning signs of fake lenders, advance-fee loans, grant scams and misleading online calculators, plus how to verify a lender and where to report fraud. Spreadsheet, Accounting Software or an Accountant? How to Decide What Your Business Needshttps://shopfloor-math-us.vercel.app/mistakes-faq/spreadsheet-vs-accounting-software-vs-accountant/https://shopfloor-math-us.vercel.app/mistakes-faq/spreadsheet-vs-accounting-software-vs-accountant/Wed, 21 Oct 2026 00:00:00 GMTCompare spreadsheets, bookkeeping software and hiring an accountant by stage, complexity and cost of your time, with a decision framework and record-keeping basics.