Methodology & editorial standards

Every calculator on themoneysheet is built to answer three questions: what is the number, is it good or bad for a business like yours, and what should you watch out for.

Where our numbers come from

Tax rates, contribution limits, depreciation tables, and platform fees are stored in a single versioned constants file, each value tagged with its source and effective date. Federal tax figures for 2025 and 2026 come directly from IRS Revenue Procedure 2025-32 and related notices, reflecting the One Big Beautiful Bill Act (OBBBA) changes to Section 179, bonus depreciation, and QBI. Figures are current as of 2026-07-02.

How we interpret results

Each result includes benchmark bands and a plain-English verdict. We label every benchmark as either authoritative (a defined standard with a citation, such as the 1.25× lender DSCR minimum) or a rule of thumb (a common industry heuristic). We never present a rule of thumb as if it were law.

Privacy

All calculations run in your browser. No financial input you enter is transmitted or stored. There are no accounts and no login.

Not advice

themoneysheet provides educational estimates, not financial, tax, or legal advice. Always consult a qualified professional before making financial decisions.