Overemployed tools
Calculators that turn the guide's numbers into real ones for your situation. All client-side — nothing is sent anywhere. Six of the eleven tools are free; the rest unlock with the guide.
Money math, sustainability, calendar load
Two-W-2 under-withholding calculator
Each employer withholds as if you only work for them. The combined rate is higher — this tells you how much extra to put on Step 4(c) of the higher-paying W-4.
Illustrative math using 2026 federal brackets. State numbers use rough effective rates for the listed states. Not tax advice — see chapter 13 for the full method and check your specific situation with a CPA.
401(k) coordination calculator
The employee contribution limit ($23,500 in 2026) is per-individual, not per-employer. Picks the better match, fills it at the primary, captures the secondary's match without busting the cap.
Take-home stack calculator
What J2 actually adds after taxes — total annual, per month, and per hour of actual focus work (the metric the guide cares about).
RSU vest tax-gap calculator
Employers withhold a flat 22% on supplemental income — way below the real rate at $400k+ combined. This is the shortfall to fund through extra W-4 withholding or a same-quarter sell.
Sustainability runway calculator
Pick a dollar target. See how long the practice needs to run to hit it. The guide caps healthy runs at 24-36 months — beyond that the sleep/relationship math turns negative.
Calendar conflict density estimator
Eyeball whether your weekly meeting load is sustainable — too many meetings at the same hour density and the calendar geometry breaks.
Job picking, role stacking, daily rituals
J1 / J2 designation scorer
Score both jobs across the 5 chapter-1 factors (tenure, comp, manager, growth, risk) and get the recommended primary.
Role-stack checker
Score a prospective role across the chapter-5 attributes (team shape, on-call, time zone, manager type, project phase) and flag whether it's overemployment-friendly.
Focus-budget allocator
Translate the four-hour rule (chapter 4) into an actual week. Enter ritual hours at both jobs and see where the focus blocks have to land.
Standup update writer
Paste yesterday's PRs + today's plan, get a two-sentence standup that reads like presence without bragging — the chapter-6 ritual on rails.
Calendar conflict checker
Connect both work calendars (read-only OAuth) and the tool finds the rooms where J1 and J2 conflict before they happen — uses the same calendar layer as Grabbatime.