Disclaimer

The calculators on this site exist to help you see the math most creator-tools companies hide. They are educational estimates, not tax, legal, financial, or investment advice. Nothing you see here should be relied on as professional counsel.

What the calculators actually are

They are transparent models — every assumption is printed on the page that uses it, every multiplier is visible in the control that sets it, and every rate is shown next to the figure it produced. If a number feels wrong, you can and should argue with the math. That's the whole point.

What they are not

• They are not a substitute for a certified tax professional, a CPA, an enrolled agent, an attorney, or a licensed financial advisor.
• They do not account for your specific situation (deductions, credits, state quirks, multi-jurisdictional income, business structure, entity elections, prior-year carryovers, etc.).
• They do not include all possible revenue streams, fees, or tax line items — just the most common ones for most creators.
• They are not audited and have not been reviewed by a licensed tax professional.

Specific numbers and their sources

• US federal tax brackets and standard deductions use the tax year 2026 figures from IRS Rev. Proc. 2025-32 — standard deductions of $16,100 (single), $32,200 (married filing jointly) and $24,150 (head of household). These calculators are planning tools, so they model the year you are currently earning in, not the year you are currently filing for. Both change annually.
• Self-employment tax is modeled at 15.3% on 92.35% of net earnings, with the Social Security portion capped at the 2026 wage base of $184,500 and the additional 0.9% Medicare surtax applied above $200,000 (single and head of household) or $250,000 (married filing jointly).
• Platform revenue shares (YouTube 55/45, Patreon ~92/8, Substack ~90/10, Twitch 50/50, etc.) reflect publicly stated terms as of the last site update. Platforms change these terms unilaterally and without notice.
• CPM, RPM, and engagement figures are industry estimates based on public reporting, not your specific channel data.
• Brand deal rates are modeled on a defensible framework but vary enormously by brand budget, negotiation, and market timing. Use the ranges, not the point estimates.

When to talk to a professional

Our flat rule: if money moves or a form gets filed, talk to a real one.

• Before filing taxes — work with a CPA or enrolled agent. Our estimates are not a tax return.
• Before incorporating — our S-corp check is a threshold signal, not a recommendation. Talk to a CPA and attorney about entity choice for your situation.
• Before signing a brand deal — an entertainment or marketing attorney should review usage rights, exclusivity, morals clauses, and termination terms. Our rate engine prices deliverables, not contract risk.
• Before leaving your job — talk to a financial planner. Our leap calculator models cash flow, not career risk.

No warranty. No liability.

This site is provided “as is.” We make no representations or warranties of any kind — express or implied — about the accuracy, completeness, reliability, or suitability of the calculators, the blog posts, or any other content. To the maximum extent permitted by law, we disclaim all liability for any loss, damages, missed deductions, over- or under-paid taxes, failed deals, or other consequences arising from your use of this site.

Affiliate links and paid placements

Some outbound links on this site may be affiliate links, meaning we earn a commission if you sign up or buy through them, at no extra cost to you. Where a link pays us, it is labelled at the point you would click it — not only here.

What that commission never does is change a number:

• No calculator's output, formula, multiplier, or tax rate changes because a product pays us.
• No “recommended” rate is inflated, and no verdict is nudged, to favour an advertiser or affiliate partner.
• Which tool we point you at is decided by the math, not by who pays.
• We do not accept payment for a specific calculator result, ranking, or review score.

The site also runs display advertising through Google AdSense. Ads are labelled by Google and are not endorsements. See the Privacy Policy for how advertising cookies are handled and how to opt out, and About for how the site is funded.

External links

We link to platform documentation (YouTube, Patreon, IRS, etc.) for reference. We do not control those sites and are not responsible for their content, accuracy, or privacy practices.

Questions, corrections, or a scenario you think we've modeled wrong? Email ideas@boringhaus.com — the ledger is open, and we'll update when we're wrong.