About Tsicoa
Our Mission
Tsicoa was created with a simple mission: to provide free, accurate, and easy-to-use financial calculators that help people make informed decisions about their money. Whether you are negotiating a salary, planning your freelance career, calculating what you are owed in overtime, or estimating your retirement pension, our tools deliver instant, reliable results without any cost or sign-up required.
What We Offer
We offer a curated collection of financial tools designed for everyday use:
- Income Tax & Take-Home Pay Calculator — See exactly how much of your salary you actually take home after federal, state, and FICA deductions.
- Freelancer Rate Converter — Bidirectional conversion between hourly and annual rates with customizable work parameters.
- Overtime Pay Calculator — Calculate overtime earnings at 1.5x, 2x, and 3x rates based on your regular hourly rate.
- Severance Pay Calculator — Estimate your severance package under N+1 and 2N formulas commonly used in labor law.
- Retirement Pension Estimator — Project your future pension benefits based on salary, years of service, and plan accrual rates.
Our Commitment to Privacy
We believe that financial calculations should be private. That is why all calculations on Tsicoa are performed entirely within your browser. Your salary data, tax information, and personal details never leave your device. We do not store, collect, or transmit your financial inputs to any server.
Accuracy & Limitations
Our calculators are designed for estimation and planning purposes. We use publicly available tax brackets, standard deduction amounts, and common pension formulas to produce results. However, individual circumstances vary, and our tools should not be considered a substitute for professional financial, tax, or legal advice. Always consult with a qualified professional for decisions affecting your personal finances.
Contact Us
We welcome your feedback, suggestions, and questions. Please visit our Contact page for more information on how to reach us.