About Kollaz

Kollaz makes smart financial spreadsheets and tools for modern money: practical, no-nonsense products designed to turn confusing financial decisions into clear numbers.

This blog is where we publish the thinking behind those tools. You will find practical, source-backed guides on the topics our readers ask about most: federal student-loan repayment (including the end of the SAVE plan and what comes next), freelancer and self-employed taxes (quarterly estimated payments, safe-harbor rules, and simple set-aside systems), and debt payoff strategy (avalanche vs. snowball, with real math and the psychology research behind both).

Every guide is written to be genuinely useful on its own, with official sources cited so you can verify the details yourself. When a spreadsheet can do the heavy lifting (modeling your exact debts, taxes, or repayment options), we will point you to it.

Who writes this. Kollaz was founded by Valentin Iosif, who builds every calculator and spreadsheet in the shop and writes the guides around them. The same person who does the math explains the math: no content mill, no ghostwriters.

How we check our numbers. Every figure in our guides comes from a primary source (the IRS, the CRA, Federal Student Aid, or the lender's own terms), and every worked example is recomputed against the spreadsheet it describes before anything is published. Tax and loan rules change, so guides are reviewed and updated when they do, and each article carries its date. Where a topic involves judgment (invest vs. pay off debt, CPP timing), we show the trade-off instead of pretending there is one right answer.

Browse the tools: Kollaz on Etsy

Start with our most-read guides:

Looking for deeper reading? Our Books Worth Your Money shelf lists the thirteen finance books we'd stake the Kollaz name on.

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Freelancer Quarterly Taxes 2026: Due Dates, Safe Harbor, and How Much to Set Aside

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