Free financial calculators and practical money tools
Make sense of your taxes, pay, and next money decision.
Overtime, bonuses, and changing pay can make your annual tax picture hard to predict. Explore the 2026 Tax Estimate Workbook for Excel, compare two paychecks for free, or work through your next loan and savings decision.
2026 tax planning in Excel
Will you owe taxes or get a refund?
Compare your estimated annual tax with what you have already paid. The 2026 Tax Estimate Workbook brings guided W-2 inputs, simplified resident-state estimates, and optional local-tax entries into one file you can save and revisit.
Useful when overtime, bonuses, shift premiums, or profit sharing make your pay vary. A built-in Tax Forms Guide helps you find the figures to enter.
Explore the 2026 workbookExcel .xlsx file · One-time purchase · See release status
Start with the question you need answered
Estimate my annual refund or amount due in Excel
Compare take-home pay from two paychecks for free
Understand overtime and bonus withholding
For common W-2 situations. Review the product scope and software requirements before purchase.
Currently free: all website calculators and educational guides.
Tax workbooks: check the Downloads catalog for available editions, current prices, and release status. Advertisements, sponsored placements, and affiliate links remain inactive.
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What can Rich Direction help me calculate?
Each page gives a direct explanation, a calculator using your assumptions, definitions for the inputs and results, the calculation method, a worked example, limitations, and practical next steps.
What is Rich Direction?
Decision support for working adults managing real financial tradeoffs.
Rich Direction provides free financial calculators, downloadable resources, and practical explanations for people comparing debt, major purchases, savings targets, taxes, and monthly cash-flow decisions.
The purpose is not to tell you what you must do. It is to show how the numbers change when your assumptions change, explain the major tradeoffs, and help you identify a clearer next step.
Who it is for
Useful when you have choices to compare.
These tools are for working adults comparing purchases, loans, savings, and taxes, including people whose pay changes with overtime, shift premiums, bonuses, or profit sharing.
Rich Direction does not provide individualized financial, investment, tax, legal, lending, accounting, credit-repair, insolvency, bankruptcy, or debt-relief advice.
How does Rich Direction make money?
Paid workbooks support a growing library of free tools.
Optional paid tax estimate workbooks support Rich Direction. Check the catalog for the available editions and current prices. The website calculators and educational guides remain available without requiring a purchase.
There are currently no advertisements, sponsored placements, or active affiliate links. Any future sponsored, affiliate, or advertising content will be identified where it appears.
Pay that changes from check to check
Understand what your overtime or bonus check is showing.
A large withholding amount on one paycheck does not tell you what you will owe for the full year. Check the cash left after the deductions shown on your paystub, then review how withholding differs from final tax.
Built from practical experience
Financial tools developed from more than two decades of intentional planning.
Rich Direction grew from more than two decades of practicing intentional finance and more than a decade of building personal budgeting, debt-payoff, tax, savings, and financial-planning tools.
I used the same disciplined approach to eliminate more than $130,000 in student-loan debt in approximately four years and continue building toward financial independence through saving, investing, professional growth, and entrepreneurship.
These tools are designed to make financial decisions clearer, faster, and easier to evaluate without judgment or unnecessary complexity.
Private by design
Your calculator entries are not part of the analytics.
Calculations run locally in your browser whenever practical. Calculator values are not sent to Rich Direction, stored in site analytics, sent to Google Analytics, or used to create advertising audiences. Optional device storage remains off until you enable it.
Rich Direction uses limited first-party, cookie-free aggregate counts to understand page and tool performance. These records do not contain calculator inputs, names, email addresses, persistent user identifiers, or cross-session profiles. Optional Google Analytics provides richer measurement only after consent.
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