MerchantFinancial Advisory
MFA Resources

Tools for your taxes, books and business.

Calculators, checkers, calendars, templates and guides for individuals and small and mid-sized businesses. Plain English, checked against IRS and state sources.

Checkers

Answer a few questions, get a plain-English answer and what to do next.

Calculators

Quick numbers for pricing, planning and taxes.

Tax calculators

2026 estimates for self-employed people, owners and employees, built on checked IRS, NJ and NY figures.

Calendars

Never miss a filing or payment date.

Templates & checklists

Ready-to-use emails, logs and checklists.

Coming soon

Tools and templates on the way. Want one sooner? Tell us.

Coming soonCalculator

Tax refund estimator

Estimate your federal refund or amount due from your W-2s, 1099s and withholding.

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Coming soonCalculator

NJ & NY sales tax calculator

Add sales tax to a price, or back it out of a total, at New Jersey and New York rates.

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Coming soonChecker

Contractor or employee?

Questions based on the IRS common-law factors to help you decide between a 1099 and a W-2.

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Coming soonCalculator

Freelance hourly rate calculator

Work back from the income you want to the rate you need, after taxes, costs and time off.

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Coming soonTemplate

Mileage log & receipt log

Simple logs that hold up if the IRS asks.

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Coming soonCalculator

Cost of hiring an employee calculator

Wages plus employer payroll taxes and common extras, so you can budget a first hire.

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Coming soonCalculator

Section 179 & depreciation calculator

Compare Section 179, bonus and regular depreciation for an equipment or vehicle purchase.

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Coming soonChecker

Where do I owe sales tax?

Compare your sales in each state with the sales level at which that state makes out-of-state sellers collect its tax.

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Coming soonTemplate

Month-end close checklist

The steps to close your books cleanly every month.

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Coming soonCalculator

Cash flow runway calculator

How many months your cash covers your costs, and what changes when sales or spending move.

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Coming soonTemplate

Chart of accounts samples

Starter charts of accounts for service, retail and construction businesses.

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Coming soonTemplate

Record retention checklist

How long to keep receipts, returns, payroll and bank records, by document type.

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Guides

In-depth MFA Insights articles, checked against IRS and state sources.

Tax Planning

2027 Social Security Wage Base: $192,300 and What Self-Employed People Pay

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Tax Planning

How to Have Your LLC Taxed as an S Corp: Form 2553 Guide

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Tax Deadlines

NJ Sales Tax: How to File the ST-50 Online and Quarterly Due Dates

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Tax Planning

Schedule C for Single-Member LLCs and Sole Proprietors

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Tax Deadlines

How to File Taxes for an LLC: Which Tax Form? Schedule C, 1065, 1120-S or 1120

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Tax Planning

Form 1120-S and S Corp Distributions: How They're Taxed

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Tax Deadlines

Form 1065 for LLCs: Who Files, Due Date, K-1s, Step by Step

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Tax Planning

Adoption Tax Credit Refund 2026: IRS Sending Automatic Refunds

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Bookkeeping

AI in Accounting and Tax: What the IRS Says in 2026

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Tax Planning

SALT Cap 2026: The $40,400 Limit and the NJ and NY PTE Tax Fix

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Tax Deadlines

ANCHOR Deadline 2026: NJ Property Tax Relief Is Due Nov. 2

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Tax Deadlines

2027 Tax Calendar: Key IRS, New Jersey and New York Tax Deadlines

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Tax Planning

Year-End Tax Planning 2026: 4 Dates That Can Still Lower Your Tax Bill

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Tax Planning

Federal Scholarship Tax Credit 2027: The New $1,700 Credit Explained

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Tax Planning

Section 179 vs. Bonus Depreciation for 2026: Year-End Equipment Guide

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Bookkeeping

Form 1099 Preparation Guide for 2026 Payments: The New $2,000 Rule and How to File Right

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Tax Deadlines

October 15, 2026 Tax Extension Deadline: What to Do Before It Hits

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LLC formation by state

We file in all 50 states and DC. Open a state for its fee, annual report and first-year cost.

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Educational information, not tax or legal advice. Results are estimates based on the information you enter; your situation may differ. Using this tool doesn't create a client relationship. Each tool lists its official sources and the date its facts were last checked.

From the MFA shop

Spreadsheets and checklists from the shop

Spreadsheets and checklists built by accountants, for when you want to keep your own records. Instant download.

PDF + Excel

The 1099 Kit (2026 payments, filed in 2027)

Decide who needs a 1099, collect W-9s and file on time. Updated for the new $2,000 threshold, with a contractor tracker.

Excel / Google Sheets

1099 Self-Employed Tax Calculator & Quarterly Planner (2026)

From Schedule C to self-employment tax to a 1040-ES schedule: how much to set aside, the payment that avoids an underpayment penalty, 2026 and 2027 due dates and a payment log.

Excel / Google Sheets

Tax Write Offs Tracker for Self Employed (2026)

Receipts, mileage, home office, health insurance and retirement contributions in one workbook, ending in a one-page year-end summary for your tax preparer.

Browse the full shop

Talk to MFA

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Book a 30-minute consultation about your books, taxes or business setup, or email us at [email protected].