KOLLAZ MODERN MONEY

Updated September 2026. This article is for educational purposes only and is not financial or tax advice. How to calculate freelance rate in Canada without undercharging: take the salary you're replacing, gross it up for the taxes you now pay yourself, divide by the hours you can actually bill (not the hours you work), and add a profit margin. Run that math honestly and a $65,000 salary ($31.25 an hour) becomes about $77 an hour in freelance rates. Not because Canadian freelancers are greedy. Because a Canadian salary hides costs that land on your desk the month you go solo: both halves of CPP, benefits you now buy yourself, four unpaid weeks off, and all the hours you work but can't bill. The five-step formula below prices each one, with every assumption stated up front so you can swap in your own numbers. Kollaz tool Canadian Freelancer Rate Calculator 2026 Your rate in CAD, built from your numbers: salary target, billable hours, CPP both halves, and profit margin....

Published September 2026 Essential money toolkit: seven tools, one price, zero guesswork. This personal finance spreadsheet bundle : the Essential Money Toolkit : answers the questions that decide your money life: Can I spend this? What am I wasting? Am I safe if I lose my job? Should I pay debt or invest? Can I ever stop working? Do I owe the IRS money? Before you buy anything, browse my complete ranked list of the money tools I actually use : covering budgeting, debt payoff, saving, and investing for 2026. Bought separately, the seven tools cost US$51.93. The bundle is US$29.99: 42% off. KOLLAZ BUNDLE Essential Money Toolkit 7 personal finance spreadsheet tools in one bundle: emergency fund, budget, debt vs invest, Coast FIRE, tax. US$29.99 Get the Bundle A personal finance spreadsheet bundle puts seven money tools in one purchase: emergency fund runway calculator , safe-to-spend paycheck, impulse cooldown, subscription audit, Coast FIRE, debt vs invest, and quarter...

Updated September 2026. This article is for educational purposes only and is not financial advice. Coast FIRE calculator answers the smaller, sharper question behind “am I rich enough to retire”: whether the money you have already invested is enough for compound growth alone to carry it to your retirement number, with zero further contributions. What if the hardest part of saving for retirement is already behind you? The math is almost rude in its simplicity. Your retirement target is 25 times your annual spend. Discount that number back to today at your expected real return. If what is invested now sits at or above the discounted number, you are coasting: you can stop saving for retirement and just cover today's bills. Find your number Coast FIRE Calculator Your coast number, progress %, dollar gap, and crossover age from 5 inputs: with a 40-year projection and a plain-English verdict. US$6.99 Get the Calculator Key numbers Coast number formula: FI number (25...

Updated September 2026. This article is for educational purposes only: not financial, tax, or investment advice. Pay off debt or invest calculator answers the question sitting in the back of almost every budget with your numbers, not with rules of thumb: this month's extra money should kill the debt or go into investments, whichever the math favors. instead of a rule of thumb. The Federal Reserve Bank of New York reports U.S. household debt hit $18.8 trillion in the first quarter of 2026, with credit card balances alone at $1.25 trillion. Vanguard's projected 2026 averages put credit cards at 19.4% and personal loans at 12%. When debt charges that much, the wrong choice costs thousands. The rule: compare your debt's APR to the investment return you expect. Clearly higher? Pay the debt first. Clearly lower? Investing usually wins. Close? It barely matters: pick the option you will actually stick with. Enter four numbers: your debt balance, your debt APR, your expec...

Updated September 2026. This article is for educational purposes only and is not financial advice. Subscription tracker spreadsheet: the average American adult now spends $111 a month on subscriptions, more than $1,300 a year, and $21 of that goes to services nobody even uses. That is $252 a year, burned in increments too small to notice. A subscription audit calculator exists for exactly this problem. One page where every recurring charge gets listed, converted to a yearly cost, and ranked by waste. So the cancel decision takes an evening instead of a vague plan to “look into it someday.” For subscription overload Subscription Audit Calculator List every subscription, get a 0–100 waste score on each, and see exactly which ones to cancel first: US$7.99. US$7.99 Get the Spreadsheet A subscription audit is a once-through review of every recurring charge you pay. List each subscription with its cost, billing frequency, last use, and a value score. Annual...

Updated September 2026. This article is for educational purposes only and is not tax advice. Confirm current figures at irs.gov or with a tax professional. Quarterly estimated tax calculator answers how much of a $25,000 quarter actually belongs to the IRS: not with a folk rule like “set aside 30%,” but with the real 2026 math, actual tax brackets, the actual standard deduction, and the 15.3% self-employment tax that blindsides most new freelancers. Picture the freelancer: the money hits the account, the client is happy, and then the real question arrives. The short answer: on $100,000 of annual freelance profit, $25,000 a quarter, a single filer taking the standard deduction owes about $25,745 in federal tax for 2026. That's $6,436 to set aside per quarter, roughly 25.7% of each payment. Below is how that number is built, step by step, so you can run the same math on your own income. FOR U.S. FREELANCERS Quarterly Tax Set-Aside Calculator Your per-quarter set-aside, safe-...