Finance
Business Loan Calculator: payment and total cost
Estimate the monthly payment, financed origination fee and total interest of a US business loan, with a year-by-year amortization table.
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United States
Finance
QBI 199A 20%: $100,000 QBI / $80,000 TI = $16,000
Section 199A: 20% of qualified business income, capped at 20% of taxable income.
Finance
401(k) birth/adoption distribution: $5,000 cap, $500 10% avoided
Qualified birth or adoption distribution (QBAD): up to $5,000 per child, no 10% early tax.
Finance
401(k) RMD 2026: $265,000 at age 73 = $10,000
Required minimum distribution from a 401(k) using the IRS Uniform Lifetime Table. Age 73 start.
Finance
401(k) rollover withholding: $50,000 paid out = $10,000 (20%)
IRC 3405(c) 20% mandatory withholding when an eligible rollover is paid to you. Direct rollover withholds $0.
Finance
Roth vs Traditional 401(k) 2026: $24,500 → $73,918 vs $64,624
Same gross deferral: compare after-tax future value. IRS 2026 elective limit $24,500 combined.
Finance
SE health insurance: $12,000 premiums / $8,000 net = $8,000 deduction
Self-employed health insurance deduction cannot exceed net profit from the business.
Finance
§121 home-sale exclusion: $400,000 → $250,000 excluded
IRC §121 excludes up to $250,000 ($500,000 MFJ) of gain on the sale of a principal residence. $400,000 single → $250,000 excluded + $150,000 taxable.
Finance
1099 take-home 2026: $50,000 → $39,539.11 (single)
$50,000 net profit, single: SECA $7,064.78 + income tax $3,396.11 = $39,539.11. Quarterly estimate $2,615.22.