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Use these educational planning tools and source-bounded provider records to frame better questions. Inputs and results stay in your browser.
ROBS Fit Check
Answer eight questions to see whether your situation matches common structural and practical requirements for a ROBS.
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Eligible Retirement Account Checker
Screen a 401(k), IRA, 403(b), governmental 457(b), TSP, Roth, SIMPLE, SEP, RMD, loan, or current-plan source before planning a ROBS rollover.
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ROBS Funding Calculator
Compare documented ROBS direct cost, taxable withdrawal gross-up, and amortizing loan assumptions while keeping cash required, cost, and retained funding separate.
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ROBS Total-Cost Calculator
Itemize user-entered setup, recurring administration, valuation, Form 5500, accounting, legal, payroll, transaction, and exit costs over a planning horizon.
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ROBS vs SBA Loan Calculator
Compare user-entered ROBS cash costs and retirement funds committed with SBA loan debt service, fees, interest, and remaining balance.
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ROBS vs 401(k) Loan Calculator
Compare user-entered ROBS cash costs and retirement funds committed with a screened, amortized 401(k) loan scenario.
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ROBS vs Taxable Withdrawal Calculator
Gross up a taxable retirement withdrawal for user-entered final tax assumptions while keeping withholding timing separate from ROBS costs.
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ROBS vs Self-Directed IRA Comparison
Screen own-business IRA, prohibited-transaction, prohibited-asset, ROBS structure, and user-entered cost boundaries without a winner or lead form.
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Retirement Risk Calculator
Stress-test retirement assets committed to a ROBS-funded business with transparent loss scenarios, liquidity flags, optional growth, and recovery math.
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Retirement Opportunity-Cost Calculator
Compare a hypothetical retirement-account path with a user-entered ROBS business-stock scenario using year-by-year balances, fees, and distributions.
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Business-Failure Stress Test
Model recoverable business assets, closure obligations, retirement-stock recovery, personal guarantees, and household buffer without priority or liability claims.
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Funding-Option Recommender
Compare ROBS, SBA-backed loans, conventional loans, home-equity borrowing, cash, plan loans, and equity investors with neutral user-entered assumptions.
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Business Runway Calculator
Build a month-by-month operating-cash ledger with recurring revenue, expenses, one-time events, reserve breach, and first negative month.
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Break-Even Revenue Calculator
Calculate operating break-even revenue or whole-unit volume using contribution-margin ratio or unit economics, with target-profit and gap fields kept separate.
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Acquisition Down-Payment Calculator
Estimate acquisition cash needed by separating purchase price, down payment, financed amount, transaction costs, working capital, other buyer-paid costs, and credits.
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SBA Debt-Service Calculator
Estimate amortizing loan payment, annual debt service, optional DSCR, and break-even annual cash-flow threshold without setting lender approval rules.
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ROBS and SBA Funding-Mix Calculator
Reconcile ROBS plan stock-purchase proceeds, buyer cash, other equity, SBA debt, financed fees, funding shares, and gap or surplus.
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Franchise Funding Calculator
Itemize franchise fee, buildout, equipment, inventory, deposits, pre-opening costs, working capital, ROBS equity, other equity, modeled debt, and gap or surplus.
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Working-Capital Calculator
Calculate balance-sheet net working capital and current ratio or operating cash-cycle gap, surplus, or exact balance without double counting stock and flow inputs.
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Owner Salary and Runway Calculator
Model owner gross wages, user-entered employer payroll burden, benefits, operating inflow, unrestricted cash, reserve floor, and runway without compensation or compliance conclusions.
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Business Purchase Affordability Calculator
Model purchase price, buyer-paid costs, credits, buyer cash, acquisition debt service, DSCR, post-close liquidity, and bounded maximum price.
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Deal Sources-and-Uses Builder
Reconcile purchase uses, working capital, ROBS corporate equity, cash equity, lender debt, seller financing, assumed debt, credits, and gap or surplus.
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Acquisition Due-Diligence Checklist
Track acquisition evidence requests, status, not-applicable items, ROBS boundaries, owner cues, and follow-up before closing.
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Franchise Due-Diligence Checklist
Track FDD timing, disclosure topics, franchisee validation, unit economics, SBA conditions, ROBS boundaries, and closing readiness.
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Interactive ROBS Provider Comparison
Select source-backed provider records side by side with setup fees, administration cadence, services, source dates, visible unknowns, and no lead form.
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Provider Fee Calculator
Calculate documented provider setup and administration fees from source-backed presets or custom written fees while preserving unknown exclusions.
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Five-Year Provider Cost Comparison
Compare documented setup plus required recurring provider fees over five years, with unknown and non-equivalent scope kept visible.
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Ten-Year Provider Cost Comparison
Compare documented setup plus required recurring provider fees over ten years, with long-horizon caveats and unknown scope kept visible.
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Provider Due-Diligence Checklist
Request provider identity, scope, fee, compliance-boundary, security, contract, conflict, audit, and transition evidence without rankings or lead capture.
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Provider Quote Comparison Worksheet
Normalize user-entered written provider quotes under the same assumptions while preserving unknown fees and separate service-scope differences.
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Audit-Support Comparison
Compare written provider audit-support scope, response terms, corrections, records, and exclusions with neutral statuses instead of scores.
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Provider Exit-Support Comparison
Compare written provider exit-support scope for provider changes, stock unwinds, plan terminations, records, fees, and professional handoffs.
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Provider Service-Inclusion Checker
Transcribe one provider's written proposal or service agreement into included, extra-cost, unclear, excluded, and not-applicable service scope.
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Questions to Ask Your ROBS Provider Generator
Generate neutral written questions for ROBS provider diligence by stage, concern category, and already answered question IDs.
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ROBS Compliance Calendar
Build a source-backed planning calendar for Form 5500-series, extension, corporate tax, payroll, valuation, and employee-administration prompts.
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Form 5500 Requirement Screener
Screen Form 5500, 5500-SF, 5500-EZ, no-return, and confirmation paths using browser-local plan facts and official-source caveats.
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Form 5500 Deadline Calculator
Calculate raw and adjusted Form 5500, 5500-SF, 5500-EZ, and 8955-SSA due dates with supported extension paths and source-backed assumptions.
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Employee Eligibility Date Calculator
Calculate selected age and service satisfaction dates, next plan entry date, and federal participation-timing warnings without storing employee data.
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Annual ROBS Administration Checklist
Organize annual ROBS plan, corporate, valuation, filing, provider, evidence, and follow-up tasks without compliance scoring.
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Employer-Stock Valuation Checklist
Organize employer-stock valuation scope, independence, records, methods, conflicts, fiduciary review, and handoff evidence without calculating value.
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Prohibited-Transaction Screener
Triage documented ROBS prohibited-transaction red flags, unknowns, exemptions, employer-security conditions, and next professional-review steps without clearance results.
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ROBS Document Checklist
Organize governing, transactional, recurring, event-driven, and supporting ROBS records by lifecycle, owner, safe locator, and unresolved facts.
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Audit Preparation Checklist
Organize IRS, DOL, unknown-agency, pre-notice, request mapping, reconciliation, response review, delivery log, and follow-up readiness without scores.
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Plan-Termination Checklist
Organize plan termination, employer-stock disposition, distributions, final filings, corporate wind-down, and post-close records without determinations.
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Business-Sale Checklist
Organize asset sales, corporate stock sales, plan-owned stock redemptions, proceeds custody, participant obligations, and post-sale plan paths without determinations.
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ROBS Exit Checklist
Route continuing the business, stock disposition, sale, closure, plan termination, provider change, distributions, filings, and records without determinations.
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Professional-Advisor Question Generator
Generate role-specific questions for ERISA counsel, TPAs, custodians, CPAs, valuation professionals, corporate counsel, payroll, lenders, and insurance handoffs.
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ROBS Glossary
Search source-grounded ROBS, rollover, qualified-plan, employer-stock, fiduciary, filing, correction, and exit definitions without storing queries.
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ROBS Setup Timeline Builder
Map ROBS setup dependencies, readiness states, blockers, handoffs, and user planning windows without promising approval or universal timing.
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ROBS FAQ Explorer
Search a curated source-bounded ROBS FAQ catalog by lifecycle stage and topic without scores, storage, or lead capture.
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IRS and DOL Source Library
Search official IRS, DOL, and U.S. Code source records for ROBS rollovers, plan operations, fiduciary duties, filings, corrections, and exits.
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ROBS Forms Library
Search official IRS, DOL, EFAST2, and federal form locators for ROBS setup, operation, annual reporting, payroll, corrections, and exits.
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State C Corporation Cost Directory
Compare official state C corporation formation and recurring filing costs while keeping variable taxes, publication, service, and local costs out of arithmetic.
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ROBS Provider Directory Tool
Search the maintained provider denominator by source date, pricing status, documented service wording, and profile links while preserving visible unknowns and no rankings.
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ROBS Professional Directory Tool
Identify ERISA, tax, valuation, TPA, corporate, payroll, benefits, and transaction professional roles with official credential-verification paths and no named referrals.
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ROBS Provider Editorial Directory
Open the separate editorial provider directory with review links, pricing status, verification dates, and unverified labels before using match results.
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