Solo Operator Finance Hub · Bedrocka Tools
Solo-operator finance math without the
CPA-mill agenda.
Most calculators online for self-employed operators are run by tax-prep services, payroll vendors, or affiliate aggregators with a commission on the answer. This site is the opposite: every formula is open-source, every assumption cites the primary source (IRC sections, IRS Publications, Treasury regulations), and every tool is reviewed quarterly by a named operator. Built for freelancers, creators, contractors, and sole proprietors — anyone earning self-employment income on Schedule C or pass-through-entity 1040.
Calculators
Pick the operator-finance math you actually need.
Learn
Concepts behind the operator math.
Entity Structure
S-Corp election: when it actually pays for self-employed operators
S-Corp election saves on self-employment tax, but the savings are smaller than the LinkedIn-influencer pitch suggests once you account for payroll setup, reasonable salary administration, and the additional Schedule K-1 / Form 1120-S filings. Here's the operator-grade threshold where the math actually flips.
Retirement Savings
Solo 401(k) vs SEP-IRA: which fits your operator profile
Solo 401(k) has the employee + employer two-stack structure that SEP-IRA doesn't, so for most self-employed operators earning under ~$300K it produces a higher max contribution. SEP-IRA wins on administrative simplicity. Here's the math + the IRS Pub 560 / IRC §401(k) framework.
What makes this different
Three things every Bedrocka Tools site does that the tax-prep mills don't.
Open-source math
Every calculator's formula is published as TypeScript with Vitest tests in a public repo. Click "View source" in any math accordion to see the actual implementation. Most tax-prep services hide their math behind a black-box engine; we publish ours.
Browse the math →Primary-source citations only
Every contribution limit, deduction phase-out, and threshold links to the original document — IRC sections, IRS Publications (560 / 535 / 334 / 587), Revenue Procedures, Treasury regulations. No "current guidance" hedging. The citation is the proof.
Read the methodology →Named operator, no commission
Reviewed and signed by Byron Malone— operator-grade experience structuring entity-level ownership, electing S-Corp status, and running solo- 401(k) contribution stacks on his own income. Not a CPA firm. Not a payroll vendor. Tax-treatment content is CPA-reviewed before publication per editorial-standards Section 7.
Read Byron's bio →