Missed 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.All guides
Every Kollaz guide in one organized place, grouped by the problem it solves. Pick the room that matches your question, or jump straight to a guide.
- Taxes, without the panic
- Your safety net
- Everyday money
- Debt, investing and retirement
- Student loans and career
- Self-employed and freelancers
Taxes, without the panic
Deadlines, penalties, contribution room and quarterly payments, in plain numbers.
Missed 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.
TFSA 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.
Quarterly 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.Your safety net
How long your money lasts if income stops, and how to make the runway longer.
Emergency 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.
Emergency 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.Everyday money
What you can safely spend today without missing a bill tomorrow.
Debt, investing and retirement
Which dollar works harder: killing debt, or going into investments.
Coast 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.
Pay 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 career
Repayment plans priced on true cost, and job offers compared on total compensation.
RAP 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.
Job 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.Self-employed and freelancers
Paying and planning your taxes when no employer withholds for you: quarterly set-asides, extension penalties, and registered room.
Its guides also live under Taxes, without the panic above. See the self-employed room on its own page.