Guides
The calculators give you the number; these guides give you the "why" — the formulas, the worked examples, and the traps that make wage and business math go wrong in practice.
How to Calculate Overtime Pay The formula, three worked examples including the biweekly averaging trap and California double time, and the bonus rule that quietly underpays. Margin vs Markup Same two numbers, different percentages — the conversion math, the landmarks worth memorizing, and the mix-up that underprices everything. How Many Work Hours Are in a Year? Where 2,080 comes from, the monthly and daily breakdowns, holiday/PTO adjustments, and why freelancers must never use it. Gross vs Net Pay What lives between what you earn and what arrives — taxes, FICA, benefits, retirement — and which number to use for what. Biweekly vs Semimonthly Pay 26 checks vs 24: the check-size math, the three-paycheck months, and why hourly jobs cluster on biweekly. How to Set Your Freelance Rate The honest formula — real billable hours, the costs an employer used to absorb, the tax cushion — with worked numbers.Want a guide or calculator we don't have? Tell us — the roadmap is built from requests.