Taxes, without the panicMissed Tax Extension Deadline: What It Costs in 2026Missed the October 15, 2026 tax extension deadline? The exact penalty math: $100/month failure-to-file, 0.5%/month, 7% interest, plus the fix.KOLLAZ Modern Money: plain-number guides and spreadsheets that help you keep more of what you earn.
Your money, answered in real numbers.
Every guide answers one money question with worked dollar math, names its sources, and hands you the tool to run it on your own numbers.
Start with the problem, not the product
I owe moneyGo straight to the pay off debt or invest guide and price your next dollar both ways.Taxes scare meDeadlines and penalties, priced in real dollars before they surprise you.I have no safety netFind your runway number, then make it longer.I'm self-employedQuarterly taxes, contribution room and set-asides, built for irregular income.
Top 10 guides
Taxes, without the panicMissed Tax Extension Deadline: What It Costs in 2026Missed the October 15, 2026 tax extension deadline? The exact penalty math: $100/month failure-to-file, 0.5%/month, 7% interest, plus the fix.
Your safety netEmergency Fund Calculator: How Many Months Can You Survive?Emergency fund calculator: divide savings by monthly essentials to get your runway in months, with funded-by dates and stress tests.
Student loans and careerRAP vs IBR Calculator 2026: Compare Your Student Loan Plans on True CostRAP vs IBR calculator: compare true cost, payments plus the 2026 forgiveness tax, with a worked example and a 5-step plan picker.
Taxes, without the panicTFSA Contribution Room Calculator: Know Your Real Room for 2026TFSA contribution room calculator: find your real 2026 room, dodge the CRA's 1%-per-month penalty, and track RRSP + FHSA too.
Everyday moneySafe to Spend Calculator: How Much Can You Spend Today Without Missing a Bill?Safe to spend calculator: subtract bills due before payday plus a buffer from your balance, your real spendable number and safe daily spend.
Your safety netEmergency Fund Runway Calculator: How Long Will Your Savings Last?An emergency fund runway calculator: the formula for how many months your money lasts after a layoff, plus a worked example and unemployment tips.
Taxes, without the panicQuarterly Estimated Tax Calculator: What Should You Set Aside?Quarterly estimated tax calculator: what should you set aside? Safe-harbor math for freelancers, with IRS due dates and penalty traps.
Debt, investing and retirementCoast FIRE Calculator: Could You Stop Saving for Retirement Today?Coast FIRE calculator: could you stop saving for retirement today? Find your Coast number and when your savings take over on their own.
Debt, investing and retirementPay Off Debt or Invest Calculator: Get Your Answer in 60 SecondsPay off debt or invest calculator: your answer in 60 seconds, compare your debt interest rate against expected returns, the math way.
Student loans and careerJob Offer Comparison Spreadsheet: Total Comp Wins, Not SalaryJob offer comparison spreadsheet: annualize each offer, apply vesting, compare 4-year totals, with a worked A-vs-B example.The spreadsheets behind the guides
Each guide is the free walkthrough of a Kollaz spreadsheet. If the math matters to you every month, the spreadsheet does it in minutes, in Excel and Google Sheets.
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