Receipts.
Not promises.
Free calculators that show whether an AI tool, automation, or subscription actually pays for itself. No hype. Just the math.
Tools
Pick a question. Get the spreadsheet answer.
AI ROI Calculator
Hours saved × rate − tool cost. Payback days, 12-month net, 3-year NPV.
CompareAI Tool Stack Comparator
Jobber vs ServiceTitan vs Housecall Pro — feature by feature, dollar by dollar.
Anti-stackSaaS Subscription Audit
List your subs, mark what you actually use. See the annual bleed.
The MathHourly Rate Calculator
What you actually need to charge to hit your income target after overhead.
The MathCustomer Lifetime Value
CLV plus the 3:1 acceptable customer acquisition cost the CFO uses.
The MathLead Cost Calculator
CAC, ROAS, and profit per lead from your ad spend.
Break-Even Calculator
How many jobs per month you need before you stop bleeding.
AutomateAutomation Time Saver
Pick your recurring tasks. See annual hours and dollars on the table.
QuizAI Tool Quiz
Five questions. One or two recommendations. No 30-tool listicles.
FinanceCompound Interest Calculator
Principal, rate, years, compounding frequency. Final balance + interest earned.
FinanceSIP Calculator
Monthly SIP + return + horizon. Corpus, total invested, and the compounding gain.
FinanceTax Bracket Calculator (India + US)
Effective tax + take-home. India FY 2026-27 new regime + US 2026 single/MFJ brackets.
FinanceRetirement Target
Corpus you need + monthly SIP to hit it. Inflation-adjusted, 25x rule plus FIRE math.
Senior · MedicareMedicare Plan Estimator
2026 Part B + IRMAA + Medigap vs Medicare Advantage. Verified to CMS Nov 2025 figures.
Senior · WithdrawalRetirement Withdrawal Rate
Bengen + Trinity success-rate test for 30-year retirement. 4% rule done honestly.
Senior · BudgetSenior Budget (Fixed Income)
Social Security + pension vs essential and discretionary expenses. 5-year inflation-adjusted gap.
Senior · Social SecuritySS Claiming Age
Claim 62, FRA, or 70? Monthly benefit, lifetime payout, breakeven age per SSA POMS.
Make Money · AdSenseAdSense Earnings Estimator
Realistic 2026 RPM by niche + region + maturity. Monthly + annual revenue.
Make Money · YouTubeYouTube Revenue Estimator
AdSense + sponsorship combined. Long-form vs Shorts. 2026 niche RPMs baked in.
Make Money · AffiliateAffiliate ROAS
Ad spend + clicks + conversion + commission. ROAS, profit, scale-or-kill verdict.
Make Money · Side HustleSide Hustle Payback
When does your side project pay back startup cost? Financial + time-adjusted, 12/24 month net.
Why bhovix
Most AI tools sold to small businesses are a tax on confusion. Four to six tools, configured properly, beat thirty subscriptions nobody touches.
This site is the spreadsheet behind that opinion. Every calculator runs in your browser, no signup, no tracking. We make money only if you sign up for a tool through one of our affiliate links — and only if it would actually pay for itself in your case. Full disclosure.