Gini Loh System Tools

Free calculators

Run the numbers.
Before you commit.

Job offers, rent, leases, equity and repairs, priced with the numbers you actually have. Nothing to sign up for, and no input leaves your browser.

Career Equity & Compensation

What is a job actually worth, once tax, hours and benefits are counted?

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W-2 vs. 1099 vs. S-Corp

Which structure pays more?

The same work, paid three ways. See what each structure leaves you after tax, health cover, retirement limits and the unpaid admin hours it adds.

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Concentrated Equity & Portfolio Capital

How much of my savings should depend on one company?

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RSU Hold vs. Sell

Sell on vest, or hold?

Your shares are already taxed as income the day they vest. This tells you whether keeping them beats selling and putting the money somewhere less tied to your employer.

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Secondary Tender vs. IPO

Cash now, or wait?

An offer for your private shares is cash today at a discount; waiting is a bet on an exit that may never happen. Compare both after tax, in today’s dollars.

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Enterprise Stack Economics

Should we build this in-house or pay a vendor?

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Build vs. Buy

Build it, or pay for it?

A build case usually counts the licence it avoids and forgets the engineer-years it spends. This prices both sides over the same horizon, maintenance included.

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Compute & Workstation Capital

Should I buy the hardware, or rent it by the hour?

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Local GPU vs. Cloud

Own the hardware, or rent?

A workstation is a purchase; cloud GPUs are a bill. This works out the cost per GPU-hour each way, at the hours you will run and the years you will keep it.

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Cross-Border & Relocation

If I move country, what is left of my pay after both tax systems?

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Expat Tax

What you keep after both taxes

A move abroad is sold on the headline tax rate. This compares what you keep after both countries have taxed you, measured over five years.

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High-Impact Personal Capital

Am I paying for something I use, or for something I stopped noticing?

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Rent vs. Buy

Buy the home, or rent and invest?

Renting is not money thrown away if the down payment gets invested. This runs both households to the same year and compares what each one is actually worth.

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