Small Business Payment & Surcharge Calculators
Free interactive tools to calculate surcharge caps, model cash-discount programs, and compare state payment processing laws across all 50 states.
Section 199A QBI Deduction Sunset Calculator
Model the impact of the expiring 20% Qualified Business Income (QBI) deduction on small business profit margins, calculate federal bracket reversion tax hikes, and evaluate S-Corporation FICA defense strategies.
- IRC § 199A phaseout and sunset profit cliff projection
- Sole proprietorship / LLC vs S-Corporation comparison
- SSTB professional service restriction evaluation
- Printable CPA tax planning and officer compensation worksheet
Chapter 7 Bankruptcy Means Test & Exemption Calculator
Evaluate your eligibility for Chapter 7 debt discharge under 11 U.S.C. § 707(b), compare current monthly income against 50-state median benchmarks, and calculate protected assets under state homestead exemptions.
- Official 2026 U.S. Trustee state median income thresholds (1 to 6+ persons)
- Form 122A-1 & Form 122A-2 disposable income calculation
- 50-State homestead & wildcard exemption protection audit
- Printable means test evaluation sheet for bankruptcy attorney review
Debt Statute of Limitations & Lawsuit Defense Calculator
Determine whether credit card debt, medical bills, or personal loans have exceeded the legal statute of limitations for lawsuits across all 50 states and prevent accidental re-aging of zombie debt.
- 50-state statutory limits for credit cards, written contracts, and oral agreements
- Time-barred debt validation and legal lawsuit defense check
- Accidental debt re-aging prevention warning system
- FDCPA cease-and-desist letter generator for collection agencies
FinCEN BOI Penalty & Deadline Auditor
Audit your Corporate Transparency Act filing deadline, calculate compounding daily civil penalties ($591/day), and inspect state LLC annual franchise tax obligations.
- Federal FinCEN 31 CFR 1010.380 deadline calculator
- Daily civil fine exposure and safe-harbor evaluation
- 50-state LLC annual report & franchise tax penalty tables
- 1-click verified safe-harbor filing link
Credit-Card Surcharge Calculator
Calculate your capped surcharge fee, estimate monthly merchant savings, and generate an exact compliance checklist tailored to your state law and card processing volume.
- Visa and Mastercard 3.0% cap validation
- State-specific legal restrictions check
- Instant monthly & annual fee savings breakdown
- Printable compliance notification checklist
Cash Discount Savings Calculator
Model dual-pricing economics and cash-discount incentives. Compute net annual processing savings while remaining fully exempt from state surcharge prohibitions.
- Dual-price menu & tag price generator
- Net annual interchange & processing cost reduction
- Customer adoption sensitivity modeling
- Complete 50-state statutory compliance
Multi-State Surcharge Compliance Comparator
Compare surcharge laws, statutory caps, 30-day notice requirements, debit card prohibitions, and signage mandates across up to 3 US states side by side.
- Side-by-side comparison across 50 states + DC + PR
- Statutory citation & legal enforceability status
- Point-of-sale disclosure and receipt itemization rules
- Acquirer & card network notification timelines
Frequently Asked Questions
Yes, all Cashbizly payment calculators and compliance tools are 100% free with no registration or credit card required. You can print and share results directly with your processor or legal advisor.
Our tools integrate the verified 2026 50-state legal matrix. If your state prohibits surcharges (such as Connecticut, Massachusetts, or Puerto Rico), the surcharge calculator alerts you immediately and provides dual-pricing cash discount alternatives.
Under Visa and Mastercard network rules effective in 2026, the maximum surcharge is capped at 3.0% (reduced from 4.0% in 2023) or your actual merchant cost of card acceptance, whichever is lower. Certain states like Colorado impose a lower 2.0% statutory cap.
No. Federal law (the Durbin Amendment) and major card brand rules strictly prohibit surcharges on debit card and prepaid card transactions, regardless of whether the transaction is processed as signature credit or PIN debit.
Educational content, not legal advice. Cashbizly is an independent educational resource. Nothing here is personalized legal advice and it does not replace a licensed attorney or your state’s Attorney General.
Our state-by-state status reflects the consensus of published 2025–2026 compliance guides (card-network rules, LawPay, Stax, NCSL) as of the “last verified” date on each page. Surcharge law changes frequently and is actively litigated — always confirm current figures with your state Attorney General or a professional. Read our full disclaimer.