1(globalThis.TURBOPACK||(globalThis.TURBOPACK=[])).push(["object"==typeof document?document.currentScript:void 0,55984,33392,72717,e=>{"use strict";var a=e.i(50394),o=e.i(19212);let s="en";e.s(["DEFAULT_LOCALE",0,s,"LOCALES",0,["en","es"]],33392);let n={en:{"action.remove":"Remove","action.loadMore":"Load more","action.learnMore":"Learn more","action.clearAll":"Clear all","action.close":"Close","action.closeVideo":"Close video","action.search":"Search","action.searchTheSite":"Search the site","action.chat":"Chat","action.accept":"Accept","action.downloadOnStore":"Download on {store}","action.reject":"Reject","action.scrollDown":"Scroll down","action.scrollLeft":"Scroll left","action.scrollRight":"Scroll right","action.skipToMainContent":"Skip to main content","action.switchLanguage":"Switch to {language}","action.button":"Button","empty.noMatch":"No match found. Please try again with different filtering options.","seo.defaultTitle":"Business Banking for Independent Businesses","seo.defaultDescription":"Novo is business banking built for independent businessesâget paid, move money, and manage cash flow with a free business checking account and a platform designed for you.","language.en":"English","language.es":"Español","filter.type":"Type","filter.category":"Category","filter.sortBy":"Sort By","filter.sortCards":"Sort cards","sort.publishDesc":"Publish date (newest first)","sort.publishAsc":"Publish date (oldest first)","sort.titleAsc":"Title A-Z","sort.titleDesc":"Title Z-A","articleType.community":"Community","articleType.blog":"Blog","filter.articleFilters":"Article filters","filter.topicFilters":"Topic filters","filter.nameFilter":"{label} filter","filter.nameOptions":"{label} options","field.askNovoAssist":"Ask Novo Assist","region.language":"Language","region.accountActions":"Account actions","region.breadcrumb":"Breadcrumb","region.callout":"Callout","region.customerTags":"Customer tags","region.disclaimer":"Disclaimer","region.footerUtilities":"Footer utilities and downloads","region.helpNavigation":"Help navigation","region.helpSideNavigation":"Help side navigation","region.legalNotice":"Legal notice","region.narrativeCarousel":"Narrative carousel","region.novoHomepage":"Novo homepage","region.openHelpNavigation":"Open help navigation menu","region.closeHelpNavigation":"Close help navigation","region.openPositions":"Open Positions","region.pagination":"Pagination","region.toggleNavigation":"Toggle navigation","region.primaryNavDesktop":"Primary navigation, desktop","region.primaryNavMobile":"Primary navigation, mobile","region.testimonials":"Testimonials section","region.testimonialsCarousel":"Testimonials carousel","region.video":"Video","region.helpListingSideNav":"Help listing side navigation","region.youtubePlayer":"YouTube video player","a11y.carouselFor":"{name} carousel","a11y.carouselForSection":"{name} carousel (section {index})","a11y.paginationFor":"{name} pagination","a11y.topicPackageCarousel":"Topic package carousel","a11y.accordionTabNav":"Accordion tab navigation: {name}","a11y.accordionTabNavSection":"Accordion tab navigation, {name} (section {index})","a11y.stickyTabNav":"Scroll-linked tab navigation: {name}","a11y.stickyTabNavSection":"Scroll-linked tab navigation, {name} (section {index})","a11y.skipPast":"Skip past {name}","a11y.opensInNewTab":"{label} (opens in new tab)","gallery.fallbackHeading":"Gallery","verticalGrid.businessExpenses":"Business Expenses","verticalGrid.bestBankFor":"Best bank for","comparison.features":"Features","comparison.traditionalBanks":"Traditional Banks","preview.mode":"Preview mode","preview.notice":"You are on Preview Mode.","preview.exit":"Exit preview mode","shared.unit.perMonth":" / month","shared.brand.novo":"Novo","shared.chat.sendMessage":"Send message","shared.cta.acceptCardAch":"Accept c
1ard and ACH payments online","shared.cta.addLine":"Add line","shared.cta.allocateAutomatically":"Allocate incoming money automatically","shared.cta.builtForFreelancers":"Built for freelancers and small businesses","shared.cta.builtForFreelancersLikeYou":"Built for freelancers and small business owners like you","shared.cta.builtForIndependent":"Built for independent businesses","shared.cta.builtForIndependentWork":"Built for independent work","shared.cta.dataStaysInBrowser":"Your data stays in your browser","shared.cta.emailMyResults":"Email my results","shared.cta.emailMyResultsCaps":"EMAIL MY RESULTS","shared.cta.estimateIntoHabit":"Turn the estimate into a habit","shared.cta.exploreBookkeeping":"Explore Novo Bookkeeping","shared.cta.exploreReservesAndAllocation":"Explore Reserves and Allocation","shared.cta.expenseCategorization":"Automatic expense categorization","shared.cta.invoiceReminders":"Automatic invoice reminders sent to customers","shared.cta.invoiceSmarter":"Invoice smarter, get paid faster.","shared.cta.noEmailRequired":"No email required","shared.cta.noHiddenFees":"No hidden fees, no monthly fees, no minimums","shared.cta.noLoginRequired":"No login required","shared.cta.noMonthlyFeeOrMinimum":"No monthly fee or minimum balance","shared.cta.noMonthlyFees":"No monthly fees or minimum balance","shared.cta.noSignupRequired":"No signup required","shared.cta.openAccount":"Open account","shared.cta.openNovoBanking":"Open Novo for business banking with organized transactions, built in bookkeeping, and reports that stay current.","shared.cta.quotingAJob":"Quoting a job? Try the free {link}.","shared.cta.savedInBrowser":"Saved in your browser","shared.cta.sending":"Sending...","shared.cta.startOver":"Start over","shared.cta.transactionSyncing":"External account transaction syncing","shared.cta.turnQuoteIntoInvoice":"Turn this quote into an invoice, get paid by card or ACH, and watch your profit in real time.","shared.cta.unlimitedInvoicesEstimates":"Unlimited invoices & estimates, free","shared.cta.unlimitedInvoicesQuotes":"Unlimited invoices & quotes","shared.cta.withNovoAccount":"With a Novo account","shared.doc.downloadPdf":"Download PDF","shared.doc.amount":"Amount","shared.doc.businessAddress":"Business address","shared.doc.clientAddress":"Client address","shared.doc.clientEmail":"Client email","shared.doc.currency":"Currency","shared.doc.description":"Description","shared.doc.discount":"Discount","shared.doc.dueDate":"Due date","shared.doc.estimate":"Estimate","shared.doc.issueDate":"Issue date","shared.doc.notes":"Notes","shared.doc.paymentInstructions":"Payment instructions","shared.doc.paymentTerms":"Payment terms","shared.doc.quote":"Quote","shared.doc.tax":"Tax","shared.doc.taxPercent":"Tax %","shared.disclaimer.valuationDirectional":"This directional estimate is not a certified appraisal, offer, or guarantee of sale price.","shared.doc.yourBusiness":"Your business","shared.email.onItsWay":"Your {result} is on its way.","shared.email.revisitEstimate":"Revisit your estimate with the {link}.","shared.email.revisitEstimateText":"Revisit your estimate: {url}","shared.email.revisitResult":"Revisit your result with the {link}.","shared.entity.defaultLlcTag":"Default LLC tax treatment","shared.entity.reviewSalary":"Review your salary assumption.","shared.error.generic":"Something went wrong. Please try again.","shared.error.sendEmail":"Unable to send email","shared.error.sendResults":"Unable to send your results","shared.faq.isTaxAdvice"
1:"Is this calculator tax advice?","shared.faq.title":"Frequently asked questions","shared.fee.averageTransaction":"Average transaction size","shared.fee.customPricing":"Custom pricing","shared.fee.monthlySales":"Monthly card sales","shared.fee.notIncluded":"Not included","shared.fee.ownRate":"My own rate","shared.fee.percentageFees":"Percentage fees","shared.fee.perTransaction":"Fee per transaction","shared.fee.transactionFees":"Transaction fees","shared.fee.processor":"Processor","shared.form.companyWebsite":"Company website","shared.form.businessName":"Business name","shared.form.businessType":"Business type","shared.form.customerName":"Customer name","shared.form.emailAddress":"Email address","shared.form.emailConsent":"By providing your email, you agree that Novo may send you occasional emails.","shared.form.emailConsentInline":"By providing your email, you agree that Novo may send you occasional emails","shared.form.emailPlaceholder":"[email protected]","shared.form.invalidEmail":"Enter a valid email address.","shared.form.invalidEmailInline":"Enter a valid email address","shared.form.jobDescription":"Job description","shared.form.whatKindOfBusiness":"What kind of business is this?","shared.industry.accounting":"Accounting, Bookkeeping & Tax","shared.industry.advertising":"Advertising & Marketing","shared.industry.appliance":"Appliance & Equipment Repair","shared.industry.architecture":"Architecture & Engineering","shared.industry.cleaning":"Cleaning & Janitorial","shared.industry.concrete":"Concrete, Masonry & Other Trades","shared.industry.consulting":"Consulting","shared.industry.design":"Design & Creative","shared.industry.electrical":"Electrical","shared.industry.generalConstruction":"General Construction & Remodeling","shared.industry.heavyCivil":"Heavy & Civil Construction","shared.industry.hvacPlumbing":"HVAC & Plumbing","shared.industry.itSoftware":"IT & Software Services","shared.industry.landscaping":"Landscaping & Lawn Care","shared.industry.legal":"Legal Services","shared.industry.otherProfessional":"Other Professional & Creative","shared.industry.painting":"Painting, Flooring & Finishing","shared.industry.pestControl":"Pest Control","shared.industry.roofing":"Roofing, Siding & Exterior","shared.industry.security":"Security & Locksmith","shared.industry.septic":"Septic, Waste & Remediation","shared.jsonLd.requiresJavaScript":"Requires JavaScript","shared.label.charts":"charts","shared.label.email":"Email","shared.label.industry":"Industry","shared.label.invoicing":"Invoicing","shared.label.professionalServices":"Professional services","shared.label.regi
1on":"Region","shared.label.tables":"tables","shared.legal.citation":"Novo Platform Inc., â{title},â {url}.","shared.legal.citationJsonLd":'Novo Platform Inc., "{title}," {url}.',"shared.legal.copyright":"Copyright © 2026 Novo Platform Inc. Data licensed under CC BY 4.0.","shared.legal.fintechDisclosure":"Novo is a fintech, not a bank. Banking services are provided by Middlesex Federal Savings, F.A., Member FDIC.","shared.legal.licenseReuse":"License & reuse","shared.legal.reuseParagraph":"This report's data, {items}, and figures are licensed under {license}. You're free to share, adapt, and use this data, including commercially, provided you give appropriate credit to Novo Platform Inc. and link back to this page.","shared.legal.suggestedCitation":"Suggested citation:","shared.loan.amount":"Loan amount","shared.loan.annualRate":"Annual interest rate","shared.loan.frequency":"Payment frequency","shared.loan.numberOfPayments":"Number of payments","shared.loan.term":"Repayment term","shared.loan.totalInterest":"Total interest","shared.loan.totalRepayment":"Total repayment","shared.money.perMonth":" per month","shared.money.perMonthLine":"{amount} per month","shared.pnl.cogs":"Cost to deliver what you sold (COGS)","shared.pnl.endDate":"End date","shared.pnl.grossProfit":"Gross profit","shared.pnl.netProfit":"Net profit","shared.pnl.netLoss":"Net loss","shared.pnl.operatingExpenses":"Operating expenses","shared.pnl.promotionalCopy":"Created with Novo. Novo Bookkeeping can generate P&Ls automatically from your business transactions.","shared.pnl.promotionalCta":"Visit www.novo.co to open your free account","shared.pnl.revenue":"Revenue","shared.pnl.startDate":"Start date","shared.pnl.cogsShort":"COGS","shared.pnl.operatingExpense":"Operating expense","shared.pnl.periodEnd":"End","shared.pnl.periodStart":"Start","shared.pnl.totalCogs":"Total cost of goods sold","shared.pnl.title":"Profit and Loss Statement","shared.pnl.totalExpenses":"Total operating expenses","shared.pnl.totalRevenue":"Total revenue","shared.report.ccBy40":"Creative Commons Attribution 4.0 International (CC BY 4.0)","shared.report.data2026":"2026 data","shared.report.dataSource":"Data source: anonymized, aggregated Novo invoicing activity (as of June 2026). Figures are medians and directional, not financial advice.","shared.result.yourBusiness":"YOUR BUSINESS","shared.result.yourEstimate":"YOUR ESTIMATE","shared.sample.businessName":"North Star Studio","shared.sample.businessPlaceholder":"e.g. Apex Plumbing Co.","shared.sample.customerPlaceholder":"e.g. Maria Gonzalez","shared.sample.invoiceNumber":"INV-1001","shared.sample.jobPlaceholder":"e.g. Replace 40-gal water heater","shared.section.sourcesAssumptions":"Sources and assumptions","shared.setax.irsLink":"IRS self employment tax","shared.setax.deduction":"May reduce taxable income by","shared.setax.netProfit":"Entered net profit","shared.step.fourOfFour":"Step 4 of 4","shared.step.oneOfFour":"Step 1 of 4","shared.step.threeOfFour":"Step 3 of 4","shared.step.twoOfFour":"Step 2 of 4","shared.tool.invoiceGenerator":"Invoice Generator","shared.tool.jobEstimator":"Job Estimator","shared.tool.jobEstimatorInline":"job estimator","shared.usRegion.midwest":"Midwest","shared.usRegion.northeast":"Northeast","shared.usRegion.south":"South","shared.usRegion.west":"West","shared.valuation.addBacks":"Owner add backs","shared.valuation.annualProfit":"Annual profit","shared.valuation.annualRevenue":"Annual revenue","shared.valuation.ctaBenefitBooks":"Novo Bookkeeping keeps books valuation ready","shared.valuation.ctaDescription":"A business is only worth what its books show. Novo Bookkeeping keeps yours clean and accurate automatically.","shared.valuation.ctaTitle":"Know your numbers, always","shared.valuation.sde":"Seller discretionary earnings","doc.invoice":"Invoice","doc.itemsAndLabor":"Items & labor","doc.markup":"Markup","doc.margin":"Margin","doc.subtotal":"Subtotal","doc.shipping":"Shipping","doc.priceBeforeTax":"Price before tax","doc.total":"Total","doc.unitPrice":"Unit Price","doc.rate":"Rate","doc.generateEstimate":"Generate estimate â","doc.yourBusiness":"Your Business","doc.preparedFor":"Prepared for","doc.
1customer":"Customer","doc.tradeDocument":"{trade} {document}","doc.documentNumber":"{document} #","lineItem.fallbackName":"Line item","lineItem.placeholder":"Service or product","lineItem.nthDescription":"Line item {index} description","lineItem.nthQuantity":"Line item {index} quantity","lineItem.nthRate":"Line item {index} rate","lineItem.nthPlaceholder":"Line item {index}","lineItem.remove":"Remove line item {index}","lineItem.delete":"Delete item","lineItem.addRow":"Add line item","lineItem.item":"Item","lineItem.qty":"Qty","lineItem.quantity":"Quantity","lineItem.emptyState":"No line items yet. Use the price book or âAdd line itemâ to get started.","lineItem.priceFor":"{name} unit price","lineItem.add":"Add {name}","invoicePreview.region":"Invoice preview","invoicePreview.clientName":"Client name","invoicePreview.from":"From","invoicePreview.billTo":"Bill to","invoicePreview.createdWithNovoGetA":"Created with Novo. Get a free business checking account and more tools like this at www.novo.co","number.decrease":"Decrease","number.increase":"Increase","trade.customPlaceholder":"Or type any other job â e.g. catering, photography, tutoringâ¦","trade.customLabel":"Custom job type","trade.submit":"Submit","lead.name":"Name","lead.title":"Want this {document} emailed to you?","lead.subtitle":"Drop your email and weâll send a copy, plus how to get paid for it with Novo.","lead.submit":"Email me this {document} â","lead.sending":"Sendingâ¦","lead.sent":"Sent. Check your inbox for the {document}.","lead.error":"Something went wrong. Please try again in a moment.","priceBook.emptyState":"No items match your search. Use âAdd line itemâ to create a custom one.","accountCta.description":"Turn this estimate into an invoice, get paid by card or ACH, and watch your profit in real time.","accountCta.benefit2":"Unlimited invoices & estimates","accountCta.benefit3":"Reserves to set aside job costs & taxes like a pro","accountCta.benefit4":"Personalized AI banking assistance","accountCta.title":"Invoice smarter, get paid faster","accountCta.cta":"Open an account","chat.assistantTitle":"Estimate assistant","chat.selectionLabel":"Job","chat.footerNote":"AI-generated guidance â check prices against your local rates","chat.limitReached":"Message limit reached","chat.inputLabel":"Message the estimate assistant","chat.assistantHint":"Ask pricing questions or get suggested line items for your job.","chat.placeholder":"e.g. What should I charge for a water heater swap?","chat.greeting":"Hi! I can help you scope and price this job. Pick a job type below or describe the work, and Iâll suggest line items, prices, and what to ask your customer.","chat.limitNotice":"Youâve reached the 30-message limit for this free assistant. To keep working out the details, continue with an assistant like ChatGPT or Claude, then bring the numbers back here to finish the estimate and send the invoice.","chat.usage":"{used} of {limit} free messages used.","chat.upgrade":"â open an account for unlimited usage","chat.selected":"{label} selected: {value}","review.channelText":"Text","review.message":"Hi {firstName}! Thanks for choosing {business}. We'd love a quick 5-star review â it really helps a small business like ours. Tap here: g.page/r/review","review.sentVia":"Sent via {channel} · powered by Novo","review.title":"After the job â ask for a 5-star review","review.subtitle":"Win your next job","review.hint":"More reviews = more inbound work. Send a review request the moment the jobâs done and paid.","review.sendVia":"Send via","review.send":"Send review request â","review.fallbackName":"there","review.fallbackBusiness":"your business","deposit.title":"Request a deposit to book the job","deposit.percentage":"Deposit percentage","deposit.dueNow":"Deposit due now","deposit.accountHint":"Deposits land straight in your Novo account. Cover upfront costs before you start.","deposit.approveWithNovo":"Approve and collect deposit with Novo","chat.noAnswer":"Sorry â I couldnât come up with an answer.","entity.afterCosts":"After estimated costs","entity.selfEmploymentTaxes":"Self employment taxes","entity.salaryPlusDistributions":"Salary plus distributions","entity.howItGetsThere":"How the estimate gets there","entity.payYourself":"How much should I pay myself?","entity.estimatedResult":"ESTIMATED {year} RESULT","entity.perYear":"per year","entity.salaryHelper":"Reasonable salary helper","entity.estimatedEmploymentTax":"Estimated employment tax","entity.basedOn9235OfEstimated":"Based on 92.35% of estimated net profit being subject to self employment tax.","entity.sCorpElection":"S Corp election","entity.reasonableSalary":"Reasonable salary","entity.estimatedDistributions":"Estimated distributions","entity.payrollTaxes":"Payroll taxes","entity.distributionsAreNotIncluded":"Distributions are not included in the employment tax calculation, but reasonable salary rules apply.","entity.grossEmploymentTaxDifference":"Gross employment tax difference","entity.estimatedAnnualPayrollAndTax":"Estimated annual payroll and tax prep","entity.roughStateAdjustment":"Rough {state} adjustment","entity.estimatedAnnualBenefit":"Estimated annual benefit","entity.copyResultSummary":"Copy result summary","entity.printResults":"Print results","entity.enterYourAnnualProfitTo":"Enter your annual profit to see a suggested salary range for your industry.","entity.rangeTo":"to","entity.useMidpointOf":"Use midpoint of {amount}","entity.salaryRangeDisclaimer":"This is a starting range, not an IRS safe harbor. Comparable market pay, duties, experience, and time spent in the business matter.","businessLoan.lenderNeutral":"Lender neutral","businessLoan.estimateApr":"Estimate APR","businessLoan.paidEvery":"Paid every {period}","businessLoan.termLoan":"Term loan","businessLoan.aLumpSumRepaidOn":"A lump sum repaid on a fixed schedule with interest.","businessLoan.businessLineOfCredit":"Business line of credit","businessLoan.sbaLoan":"SBA loan","businessLoan.equipmentFinancing":"Equipment financing","businessLoan.enterALoanAmountBefore":"Enter a loan amount before estimating APR.","businessLoan.enterAFactorRateBetween":"Enter a factor rate between 1.00 and 3.00.","businessLoan.enterAValidAmountAnd":"Enter a valid amount and repayment term first.","businessLoan.compareThePaymentWithGross":"Compare the payment with gross revenue. This is not an affordability test.","businessLoan.addAverageMonthlyGrossRevenue":"Add average monthly gross revenue to see a neutral payment comparison.","businessLoan.thePaymentAloneDoesNot":"The payment alone does not tell the whole story. Compare the total repayment, fee disclosures, and cash flow impact before accepting financing.","businessLoan.aLoanCanSupportGrowth":"A loan can support growth, but the repayment becomes a fixed claim on future cash flow. Test the obligation against real operating conditions.","businessLoan.learnAboutNovoFunding":"Learn about Novo funding","businessLoan.novoDoesNotOriginateBusiness":"This calculator is a planning tool, not a loan offer. Novo Business Loans⢠and Novo Fu
1nding have separate eligibility requirements, costs, terms, and repayment structures.","businessLoan.resultBusinessLoanEstimate":"business loan estimate","businessLoan.enterTheLoanDetails":"Enter the loan details","businessLoan.addTheAmountYouPlan":"Add the amount you plan to borrow, the annual interest rate, and the repayment term.","businessLoan.choosePaymentTiming":"Choose payment timing","businessLoan.selectMonthlyEveryTwoWeeks":"Select monthly, every two weeks, or weekly payments to match the proposed loan terms.","businessLoan.stressTestThePayment":"Stress test the payment","businessLoan.compareTheMonthlyPaymentWith":"Compare the monthly payment with gross revenue, cash flow available for debt service, and existing debt before you borrow.","businessLoan.thePrincipalIsTheAmount":"The principal is the amount borrowed before interest. A larger principal generally means a larger payment and more interest.","businessLoan.interestRate":"Interest rate","businessLoan.theAnnualInterestRateAffects":"The annual interest rate affects how much of each payment goes toward borrowing cost instead of principal.","businessLoan.aLongerTermCanLower":"A longer term can lower each payment but usually increases total interest paid over the life of the loan.","businessLoan.feesAndTiming":"Fees and timing","businessLoan.originationFeesClosingCostsAnd":"Origination fees, closing costs, and payment frequency can change the true cost even when the stated rate looks competitive.","businessLoan.reusableAccessToFundsWith":"Reusable access to funds, with interest generally charged on the amount drawn.","businessLoan.aLenderIssuedLoanSupported":"A lender issued loan supported by a federal guarantee and program requirements.","businessLoan.fundingTiedToThePurchase":"Funding tied to the purchase of equipment that may also secure the loan.","businessLoan.modelThePaymentAgainstA":"Model the payment against a slower revenue month, not only your best month.","businessLoan.confirmWhetherTheQuotedCost":"Confirm whether the quoted cost is an interest rate, APR, or factor rate.","businessLoan.reviewFeesPrepaymentTermsCollateral":"Review fees, prepayment terms, collateral, and personal guarantee requirements.","businessLoan.planWhereTheFundsWill":"Plan where the funds will land and how every repayment will be tracked.","businessLoan.howIsABusinessLoan":"How is a business loan payment calculated?","businessLoan.forAStandardAmortizingLoan":"For a standard amortizing loan, the payment is calculated from the principal, periodic interest rate, and number of payments. Each payment covers accrued interest and reduces the remaining principal balance.","businessLoan.whatIsTheDifferenceBetween":"What is the difference between interest rate and APR?","businessLoan.theInterestRateIsThe":"The interest rate is the cost charged on the loan balance. APR is a broader annualized measure that may include certain fees and can make loan offers easier to compare. Ask the lender exactly which figure is being quoted.","businessLoan.whatIsAFactorRate":"What is a factor rate?","businessLoan.aFactorRateIsA":"A factor rate is a multiplier commonly used for short term business financing. Multiply the advance amount by the factor rate to estimate total payback. A factor rate is not an APR and can represent a high annualized borrowing cost.","businessLoan.doesALongerLoanTerm":"Does a longer loan term lower the payment?","businessLoan.usuallySpreadingRepaymentAcrossMore":"Usually. Spreading repayment across more periods often lowers each payment, but it can also increase total interest. Compare both the payment and total repayment before choosing a term.","businessLoan.howMuchBusinessLoanPayment":"How much business loan payment can I afford?","businessLoan.affordabilityDependsOnCashFlow":"Affordability depends on cash flow available for debt service, existing debt, margins, taxes, and operating needs. A payment divided by gross revenue is only a neutral comparison and does not establish affordability. Test the payment against slower months and review the full obligation with a qualified financial professional.","businessLoan.doesNovoProvideTheLoan":"Does Novo offer business loans?","businessLoan.noThisCalculatorModelsA":"Yes. Novo Business Loans⢠are available to eligible Novo customers for up to $50,000. This calculator provides estimates only and is not a loan offer. Approval, amount, and terms depend on eligibility.","businessLoan.freeBusinessLoanCalculator":"Free Business Loan Calculator","businessLoan.estimateBusinessLoanPaymentsTotal":"Estimate business loan payments, total interest, total repayment, and payment share of gross revenue with a free live calculator.","businessLoan.principalAndInterestBreakdown":"Principal and interest breakdown","businessLoan.balanceOverTime":"Balance over time","businessLoan.estimatedRemainingPrincipal":"Estimated remaining principal","businessLoan.viewAnnualAmortization":"View annual amortization","businessLoan.year":"Year","businessLoan.principal":"Principal","businessLoan.interest":"Interest","businessLoan.endingBalance":"Ending balance","businessLoan.freePlanningToolForBusiness":"Free planning tool for business owners","businessLoan.businessLoanCalculator":"Business Loan Calculator","businessLoan.yourLoan":"YOUR LOAN","businessLoan.startWithTheOfferYou":"Start with the offer you are considering.","businessLoan.loanPlanningAssistant":"Loan planning assistant","businessLoan.askAboutRepaymentTermsInterest":"Ask about repayment terms, interest, payment frequency, or your estimate.","businessLoan.hiICanHelpYou":"Hi! I can help you understand a business loan offer. Enter the proposed terms, then ask about payments, interest, or questions to take to the lender.","businessLoan.eGHowDoesA":"e.g. How does a longer term change my total interest?","businessLoan.loan":"Loan","businessLoan.aiGeneratedGuidanceConfirmTerms":"AI generated guidance. Confirm terms with the lender","businessLoan.businessLoan":"Business loan","businessLoan.termUnit":"Term unit","businessLoan.years":"Years","businessLoan.months":"Months","businessLoan.iOnlyKnowTheFactor":"I only know the factor rate","businessLoan.factorRate":"Factor rate","businessLoan.estimatedAnnualizedRate":"Estimated annualized rate","businessLoan.optionalRevenueComparison":"Optional revenue comparison","businessLoan.averageMonthlyGrossRevenue":"Average monthly gross revenue","businessLoan.estimatedPayment":"ESTIMATED PAYMENT","businessLoan.paymentShareOfGrossRevenue":"PAYMENT SHARE OF GROSS REVENUE","businessLoan.enterALoanAmountTo":"Enter a loan amount to see the full cost.","businessLoan.keepYourBusinessLoanEstimate":"Keep your business loan estimate.","businessLoan.novoBusinessLoans":"Novo Business Loansâ¢","businessLoan.borrowUpToWithNovo":"Borrow up to $50,000 with Novo","businessLoan.eligibleCustomersCanBorrow":"Novo Business Loans⢠let eligible Novo customers borrow up to $50,000 directly through Novo.","businessLoan.loansUpTo":"Loans up to $50,000","businessLoan.fullCostsShownUpfront":"Full costs shown upfront","businessLoan.noSeparateLenderRequired":"No separate lender required","businessLoan.learnAboutNovoBusinessLoans":"Learn about Novo Business Loans","businessLoan.getReadyForFastFunding":"Get ready for fast funding","businessLoan.novoCustomersBecomeEligibleFor":"Novo customers become eligible for fast, no hidden fee funding after 6 months active. Open your account today to start the clock.","businessLoan.eligibleForFundingAfter6":"Eligible for funding after 6 months active","businessLoan.simpleTermsWithNoFine":"Simple terms with no fine print","businessLoan.threeInputsAClearerDecision":"Three inputs, a clearer decision","businessLoan.howToUseTheBusiness":"How to use the business loan calculator","businessLoan.knowWhatDrivesTheNumber":"Know what drives the number","businessLoan.whatDeterminesYourBusinessLoan":"What determines your business loan payment?","businessLoan.commonFinancingStructures":"Common financing structures","businessLoan.fourBusinessLoanTypesTo":"Four business loan types to know","businessLoan.beforeYouBorrow":"Before you borrow","businessLoan.makeRoomForThePayment":"Make room for the payment before it arrives.","businessLoan.novoFundingWorksDifferently":"Novo funding works differently","businessLoan.startTheAccountRelationshipBefore":"Start the account relationship before you need funding.","businessLoan.importantDistinction":"Important distinction","businessLoan.businessLoanQuestions":"Business loan questions","businessLoan.aHomeForBusinessCash":"A home for business cash flow","businessLoan.keepLoanFundsAndRepayments":"Keep loan funds and repayments organized.","businessLoan.businessLoanCalculatorEstimatePayments":"Business Loan Calculator: Estimate Payments and Total Interest","businessLoan.estimateBusinessLoanPaymentsTotal2":"Estimate business loan payments, total interest, total repayment, and payment share of gross revenue with a free lender neutral calculator.","businessLoan.estimateYourMonthlyPaymentAnd":"Estimate your monthly payment and total interest on any business loan, instant, free, and no signup required.","businessLoan.livePaymentEstimates":"Live payment estimates","businessLoan.resultsUpdateAsYouType":"Results update as you type. Use the exact rate and payment timing shown in the loan terms when possible.","businessLoan.estimateAnAnnualizedRateFrom":"Estimate an annualized rate from a fixed factor rate and repayment schedule. This is not a lender quoted APR.","businessLoan.useThisRate":"Use this rate","businessLoan.planningEstimateOnlyActualPayments":"Planning estimate only. Actual payments and APR can differ due to fees, compounding, payment timing, and lender terms.","businessLoan.notAnAffordabilityOrLending":"Not an affordability or lending decision. Compare the payment with cash flow available for debt service and existing debt obligations.","businessLoan.monthlyPaymentTotalInterestTotal":"Monthly payment, total interest, total repayment, and an amortization view will appear here instantly.","businessLoan.theCalculatorAboveModelsA":"The calculator above models a traditional amortizing loan. Eligible Novo customers may access fast funding with separate terms after at least six months of active account history.","businessLoan.openNovoToSeparateBusiness":"Open Novo to separate business money, track incoming funds, and manage recurring payments without monthly account fees.","businessLoan.estimateBeforeYouBorrow":"Estimate before you borrow","businessLoan.useOurFreeCalculator":"Use our free Business Loan Calculator to estimate payments, total interest, and total repayment before you choose an offer.","businessLoan.calculateLoanPayments":"Calculate loan payments","businessValuation.midpointBenchmarkSource":"Midpoint benchmark source:","businessValuation.industryMidpointBenchmarksUseReported":"Industry midpoint benchmarks use reported private business sales from Q3 2021 through Q2 2026. Low, high, growth, and business age adjustments are illustrative Novo estimates.","businessValuation.usedHere":"Used here","businessValuation.quickComparison":"Quick comparison","businessValuation.professionalUse":"Professional use","businessValuation.thisToolIsDesignedFor":"This tool is designed for businesses under $1 million in annual revenue.","businessValuation.annualProfitCannotExceedAnnual":"Annual profit cannot exceed annual revenue.","businessValuation.aLossNeedsDocumentedAdd":"A loss needs documented add backs that bring seller discretionary earnings above zero.","businessValuation.bizbuysellIndustryValuationMultiples":"BizBuySell industry valuation multiples","businessValuation.novoAdjustmentsAreIllustrative":"Novo low, high, growth, and business age adjustments are illustrative.","businessValuation.rangeReady":"Range ready","businessValuation.addYourNumbers":"Add your numbers","businessValuation.completeRevenueProfitAndAdd":"Complete revenue, profit, and add backs to see a range","businessValuation.reviewTheS
1ourceData":"Review the source data","businessValuation.resultValuationRange":"valuation range","businessValuation.reliableGrowth":"Reliable growth","businessValuation.consistentRevenueAndEarningsCan":"Consistent revenue and earnings can make future performance easier for a buyer to trust.","businessValuation.profitability":"Profitability","businessValuation.higherOwnerEarningsGenerallyIncrease":"Higher owner earnings generally increase value because the estimate applies an earnings multiple.","businessValuation.ownerIndependence":"Owner independence","businessValuation.documentedSystemsAndACapable":"Documented systems and a capable team can reduce the risk that customers leave with the owner.","businessValuation.customerQuality":"Customer quality","businessValuation.recurringRevenueAndADiverse":"Recurring revenue and a diverse customer base may be more durable than one large relationship.","businessValuation.addsLegitimateOwnerBenefitsAnd":"Adds legitimate owner benefits and discretionary expenses back to profit, then applies a market multiple. It is common for owner operated businesses.","businessValuation.revenueMultiple":"Revenue multiple","businessValuation.appliesAMultipleToSales":"Applies a multiple to sales. It c
1an help compare similar businesses, but it does not show whether those sales are profitable.","businessValuation.assetOrIncomeApproach":"Asset or income approach","businessValuation.valuesAssetsAndLiabilitiesOr":"Values assets and liabilities or future cash flow. These methods may fit asset heavy businesses, disputes, taxes, or formal transactions.","businessValuation.howIsASmallBusiness":"How is a small business valued?","businessValuation.commonApproachesConsiderOwnerEarnings":"Common approaches consider owner earnings, comparable business sales, assets and liabilities, or expected future income. This calculator uses seller discretionary earnings because it is commonly used for smaller owner operated businesses.","businessValuation.whatIsSellerDiscretionaryEarnings":"What is seller discretionary earnings?","businessValuation.sellerDiscretionaryEarningsStartsWith":"Seller discretionary earnings starts with profit and adds back eligible owner compensation, personal benefits, and certain one time expenses. Every add back should be supported by clear records and may be challenged by a buyer.","businessValuation.whatIsAGoodMultiple":"What is a good multiple for my industry?","businessValuation.thereIsNoSingleCorrect":"There is no single correct multiple. Industry, location, business size, growth, customer concentration, owner dependency, and the quality of financial records can all affect the result. Recent comparable sales are more useful than a broad average.","businessValuation.whyDoesTheCalculatorShow":"Why does the calculator show a range?","businessValuation.aRangeReflectsTheUncertainty":"A range reflects the uncertainty in any quick estimate. A buyer or appraiser may apply a different multiple after reviewing comparable sales, contracts, assets, liabilities, market conditions, and operating risk.","businessValuation.canIUseThisEstimate":"Can I use this estimate to sell my business?","businessValuation.useItAsAnEarly":"Use it as an early planning benchmark, not as an asking price or certified appraisal. A broker, accountant, attorney, or qualified appraiser can help prepare records and select a method for an actual transaction.","businessValuation.doesThisCalculatorIncludeInventory":"Does this calculator include inventory, debt, or real estate?","businessValuation.noTheEstimateIsBased":"No. The estimate is based only on seller discretionary earnings and the selected multiple. Inventory, cash, debt, real estate, and other assets or liabilities may be handled separately in a transaction.","businessValuation.businessValuationCalculator":"Business Valuation Calculator","businessValuation.estimateASmallBusinessValuation":"Estimate a small business valuation range using seller discretionary earnings and industry specific multiples.","businessValuation.estimatedMidpoint":"Estimated midpoint","businessValuation.viewRange":"View range","businessValuation.estimateYourRange":"ESTIMATE YOUR RANGE","businessValuation.startWithOneTypicalYear":"Start with one typical year.","businessValuation.valuationAssistant":"Valuation assistant","businessValuation.askAboutSellerDiscretionaryEarnings":"Ask about seller discretionary earnings, add backs, multiples, or preparing your records.","businessValuation.hiICanHelpYou":"Hi! I can help you understand this valuation estimate. Add your numbers, then ask about owner add backs, industry multiples, or what to prepare for a professional valuation.","businessValuation.eGDoesMySalary":"e.g. Does my salary count as an add back?","businessValuation.aiGeneratedGuidanceConfirmValuation":"AI generated guidance. Confirm valuation and accounting decisions with a qualified professional","businessValuation.annualPretaxProfitFromYour":"Annual pretax profit from your income statement","businessValuation.ownerPayAndOtherEligible":"Owner pay and other eligible add backs","businessValuation.industryEarningsMultiple":"Industry earnings multiple","businessValuation.yearsInBusiness":"Years in business","businessValuation.under2Years":"Under 2 years","businessValuation.2To3Years":"2 to 3 years","businessValuation.3To5Years":"3 to 5 years","businessValuation.6To9Years":"6 to 9 years","businessValuation.10YearsOrMore":"10 years or more","businessValuation.revenueOverTheLast3":"Revenue over the last 3 years","businessValuation.whyAreYouValuingThe":"Why are you valuing the business?","businessValuation.estimatedValuation":"ESTIMATED VALUATION","businessValuation.estimatedRange":"Estimated range","businessValuation.low":"Low","businessValuation.mid":"Mid","businessValuation.high":"High","businessValuation.whatMovedYourRange":"What moved your range","businessValuation.yourNextStep":"Your next step","businessValuation.keepYourValuationRange":"Keep your valuation range.","businessValuation.beyondTheFormula":"Beyond the formula","businessValuation.whatAffectsYourBusinessValue":"What affects your business value?","businessValuation.threeCommonApproaches":"Three common approaches","businessValuation.businessValuationMethodsExplained":"Business valuation methods explained.","businessValuation.makeTheNumbersEasierTo":"Make the numbers easier to prove.","businessValuation.needYourStartingNumbers":"Need your starting numbers?","businessValuation.buildAFreeProfitAnd":"Build a free profit and loss statement first.","businessValuation.openPnlBuilder":"Open the P&L builder","businessValuation.businessValuationQuestions":"Business valuation questions","businessValuation.keepTheNumbersBehindYour":"Keep the numbers behind your value organized.","businessValuation.businessValuationCalculatorEstimateWhat":"Business Valuation Calculator | Estimate What Your Business Is Worth Free | Novo","businessValuation.estimateASmallBusinessValuation2":"Estimate a small business valuation range using seller discretionary earnings, industry specific multiples, and no signup required.","businessValuation.freeEstimateForOwnerOperated":"Free estimate for owner operated businesses","businessValuation.getAnEstimatedValuationRange":"Get an estimated valuation range for your small business in minutes, using a method built for owner operators.","businessValuation.industrySpecificRange":"Industry specific range","businessValuation.useGrossSalesBeforeSubtracting":"Use gross sales before subtracting expenses. This estimate is scoped to revenue under $1 million.","businessValuation.enterProfitAfterOwnerPay":"Enter profit after owner pay and other expenses were deducted. A loss can be entered with a minus sign.","businessValuation.includeOnlyD
1ocumentedAmountsThat":"Include only documented amounts that were already deducted from profit and that a buyer may not continue.","businessValuation.thisCalculatorIsEducationalAnd":"This calculator is educational and does not verify your inputs. Only include add backs that are documented and would not be required under new ownership.","businessValuation.aMultipleIsOnlyA":"A multiple is only a starting point. Buyers also look at how repeatable, transferable, and well documented the earnings are.","businessValuation.aValuationStartsWithClean":"A valuation starts with clean books","businessValuation.novoBookkeepingCategorizesTransactionsAnd":"Novo Bookkeeping categorizes transactions and keeps your profit and loss reporting current, so the financial history behind a valuation is easier to organize.","businessValuation.profitAndLossReporting":"Profit and loss reporting","processingFee.neutralComparison":"Neutral comparison","processingFee.viewPricingSource":"View pricing source","processingFee.simpleRate":"Simple rate","processingFee.ratePlusMarkup":"Rate + markup","processingFee.rateCheckedDate":"July 31, 2026","processingFee.creditCardProcessingFees":"Credit card processing fees","processingFee.interchangePlusPricing":"interchange plus pricing","processingFee.flatRatePricing":"flat rate pricing","processingFee.resultCopied":"Result copied.","processingFee.copyFailedSelectTheResult":"Copy failed. Select the result and copy it manually.","processingFee.enterSalesOrChooseA":"Enter sales or choose a lower comparison rate to see savings.","processingFee.averageTransactionOptionalHelper":"Optional, but needed to include the fixed fee charged on each transaction.","processingFee.monthlyCardSalesSummary":"Monthly card sales: {amount}","processingFee.estimatedMonthlyFeesSummary":"Estimated monthly fees: {amount}","processingFee.estimatedAnnualFeesSummary":"Estimated annual fees: {amount}","processingFee.effectiveRateSummary":"Effective rate: {rate}%","processingFee.benchmarkSummary":"Benchmark: {benchmark}","processingFee.monthlySavingsExplanation":"{amount} per month based on the same sales volume.","processingFee.yourPercentageRateIs":"Your percentage rate is {percentage}%; including the modeled fixed fees, your estimated effective rate is {effective}%.","processingFee.copyResult":"Copy result","processingFee.bankratePlacesCommonlyQuotedPercentage":"Bankrate places commonly quoted percentage processing fees in this range. Fixed charges can make the all in effective rate higher.","processingFee.nilsonDataReportedFor2025":"Nilson data reported for 2025 puts average Visa and Mastercard swipe fees near this level. It is a guide, not a guaranteed rate.","processingFee.seeHowNovoConnectsPayments":"See how Novo connects payments","processingFee.automaticPayoutVisibility":"Automatic payout visibility","processingFee.processingFeeCategorization":"Processing fee categorization","processingFee.presetRatesAndBenchmarkSources":"Preset rates and benchmark sources were reviewed on {date}. Processor pricing changes by plan, channel, card type, volume, and contract. Verify the rate on your own statement before making a decision.","processingFee.bankrateFeeRange":"Bankrate fee range","processingFee.nilsonRateReference":"Nilson rate reference","processingFee.emailResults":"Email results","processingFee.whatIsTheAverageCredit":"What is the average credit card processing fee?","processingFee.bankrateReportsThatCommonlyQuoted":"Bankrate reports that commonly quoted percentage processing fees range from about 1.5% to 3.5% per transaction. This calculator compares that range with the modeled percentage rate, not the all in effective rate. Fixed charges and other fees can make the effective rate higher.","processingFee.howDoICalculateMy":"How do I calculate my effective processing rate?","processingFee.divideAllCardProcessingFees":"Divide all card processing fees for the month by total card sales for the same month, then multiply by 100. Include transaction fees, statement fees, gateway fees, and other processor charges for the most accurate result.","processingFee.whatIsTheCheapestCredit":"What is the cheapest credit card processor?","processingFee.thereIsNoSingleCheapest":"There is no single cheapest processor for every business. Flat pricing can be simple for lower volume businesses, while interchange plus pricing may be more competitive at higher volume. Compare the full effective rate and contract terms, not only the advertised percentage.","processingFee.areCreditCardSurchargesLegal":"Are credit card surcharges legal?","processingFee.rulesVaryByStateCard":"Rules vary by state, card network, and payment type. Surcharges may be restricted, capped, or require notices and registration. Check current state law and card network rules before adding a surcharge or cash discount program.","processingFee.doesNovoProcessCreditCard":"Does Novo process credit card payments?","processingFee.novoIsNotACard":"Novo is not a card processor. Novo connects with services such as Stripe, Square, and PayPal so payouts and processing fees are easier to track alongside the rest of your business finances.","processingFee.doesThisEstimateIncludeEvery":"Does this estimate include every processor fee?","processingFee.noTheCalculatorModelsA":"No. The calculator models a percentage fee and a per transaction fee. Monthly subscriptions, hardware, chargebacks, international card fees, instant payout fees, and other account charges are not included unless you account for them separately.","processingFee.credit
1CardProcessingFeeCalculator":"Credit Card Processing Fee Calculator","processingFee.estimateMonthlyAndAnnualCard":"Estimate monthly and annual card processing costs, effective rate, and potential savings using processor presets or your own rate.","processingFee.customProcessor":"Custom processor","processingFee.creditCardProcessingFeeEstimate":"Credit card processing fee estimate","processingFee.educationalEstimateOnlyActualProcessor":"Educational estimate only. Actual processor costs may differ.","processingFee.unableToSend":"Unable to send","processingFee.freeProcessingCostEstimate":"Free processing cost estimate","processingFee.yourSales":"YOUR SALES","processingFee.estimateTheFullCostOf":"Estimate the full cost of every card payment.","processingFee.processingFeeAssistant":"Processing fee assistant","processingFee.askAboutProcessorPricingEffective":"Ask about processor pricing, effective rates, or ways to review your costs.","processingFee.hiICanHelpYou":"Hi! I can help you understand card processing costs. Choose your processor and enter your sales, then ask about rates, fees, or how your result compares.","processingFee.eGWhyIsMy":"e.g. Why is my effective rate higher than my advertised rate?","processingFee.aiGeneratedGuidanceConfirmPricing":"AI generated guidance. Confirm pricing with your processor","processingFee.howCustomersPay":"How customers pay","processingFee.flatRate":"Flat rate","processingFee.interchangePlus":"Interchange plus","processingFee.processingRate":"Processing rate","processingFee.baseRate":"Base rate","processingFee.processorMarkup":"Processor markup","processingFee.estimatedProcessingCost":"ESTIMATED PROCESSING COST","processingFee.annualFees":"Annual fees","processingFee.effectiveRate":"Effective rate","processingFee.transactions":"Transactions","processingFee.netAfterFees":"Net after fees","processingFee.monthlyFeeBreakdown":"Monthly fee breakdown","processingFee.howYourPercentageRateCompares":"How your percentage rate compares","processingFee.publishedRange15To":"Published range: 1.5% to 3.5%","processingFee.whatIfYouPaidLess":"WHAT IF YOU PAID LESS?","processingFee.compareAnotherRate":"Compare another rate","processingFee.adjustTheNumbersToEstimate":"Adjust the numbers to estimate possible savings.","processingFee.comparisonRate":"Comparison rate","processingFee.potentialAnnualSavings":"Potential annual savings","processingFee.seeYourRealTakeHome":"See your real take-home pay","processingFee.novoAutomaticallyTracksYourStripe":"Novo automatically tracks your Stripe, Square, and PayPal payouts and categorizes processing fees so you see net revenue clearly.","processingFee.payoutsSyncAutomaticallyFromStripe":"Payouts sync automatically from Stripe, Square & PayPal","processingFee.everyFeeAutoCategorizedAs":"Every fee auto-categorized as an expense","processingFee.understandYourResult":"Understand your result","processingFee.yourEffectiveRateRevealsThe":"Your effective rate reveals the full cost of accepting cards.","processingFee.aBroadTypicalRange":"A broad typical range","processingFee.aUsefulReferencePoint":"A useful reference point","processingFee.yourStatement":"Your statement","processingFee.theBestSourceOfTruth":"The best source of truth","processingFee.howFeesWork":"How fees work","processingFee.threeCostsCanSitInside":"Three costs can sit inside one card transaction.","processingFee.interchange":"Interchange","processingFee.networkAssessment":"Network assessment","processingFee.lowerYourCost":"Lower your cost","processingFee.fourWaysToReviewYour":"Four ways to review your processing bill.","processingFee.calculateTheEffectiveRateEvery":"Calculate the effective rate every month","processingFee.compareTheSameTransactionMix":"Compare the same transaction mix","processingFee.negotiateWhenVolumeGrows":"Negotiate when volume grows","processingFee.reviewExtraAccountFees":"Review extra account fees","processingFee.trackTheMoneyThatReaches":"Track the money that reaches your account.","processingFee.ratesAndMethodology":"Rates and methodology","processingFee.currentSourcesVisibleAssumptions":"Current sources, visible assumptions.","processingFee.maintenanceOwnerNovoGrowthEngineering":"Maintenance owner: Novo Growth Engineering","processingFee.credit
1CardProcessingFeeQuestions":"Credit card processing fee questions","processingFee.keepMoreOfYourBusiness":"Keep more of your business finances organized.","processingFee.creditCardProcessingFeeCalculator2":"Credit Card Processing Fee Calculator | See Your True Costs | Novo","processingFee.estimateMonthlyAndAnnualCard2":"Estimate monthly and annual card processing fees, find your effective rate, and compare common processor pricing. Free calculator with no signup.","processingFee.seeExactlyWhatYouAre":"See exactly what you are really paying in card processing fees. It works no matter who you process with.","processingFee.startWithAnAverageMonth":"Start with an average month. You can adjust every number.","processingFee.estimateIncludesPercentageAndPer":"Estimate includes percentage and per transaction fees only. Subscription, equipment, dispute, international card, and payout fees can increase your actual cost.","processingFee.enterYourMonthlyCardSales":"Enter your monthly card sales to see your result.","processingFee.youWillGetMonthlyCost":"You will get monthly cost, annual cost, effective rate, and a market comparison instantly.","processingFee.keepACopyOfThis":"Keep a copy of this processing fee estimate.","processingFee.sentCheckYourInboxFor":"Sent. Check your inbox for the estimate.","processingFee.anAdvertisedRateIsOnly":"An advertised rate is only one part of the bill. Small fixed charges add up quickly when your average sale is low, which can make your effective rate higher than the headline percentage.","processingFee.divideEveryProcessorFeeBy":"Divide every processor fee by card sales from the same period to verify the actual effective rate your business pays.","processingFee.yourProcessorCollectsTheTotal":"Your processor collects the total, then routes portions to the card issuing bank and network. The pricing model determines how clearly you can see each layer.","processingFee.theCardIssuingBankReceives":"The card issuing bank receives a percentage and often a fixed fee. Rewards cards and online transactions can cost more.","processingFee.cardNetworksChargeSmallerAssessment":"Card networks charge smaller assessment and network fees for carrying the transaction across their systems.","processingFee.yourProcessorAddsItsOwn":"Your processor adds its own margin, which may appear as a flat rate or as a transparent markup over interchange.","processingFee.compareAllProcessingFeesWith":"Compare all processing fees with card sales to catch new fees or pricing changes early.","processingFee.askProcessorsToQuoteYour":"Ask processors to quote your real in person, online, rewards, and international card volume.","processingFee.higherAndConsistentSalesCan":"Higher and consistent sales can give you leverage to request a lower markup or a custom plan.","processingFee.hardwareStatementsChargebacksGatewaysAnd":"Hardware, statements, chargebacks, gateways, and fast payouts can matter as much as a small rate difference.","processingFee.fromGrossSalesToClear":"From gross sales to clear cash flow","processingFee.novoIsNotACard2":"Novo is not a card processor and does not set processing rates. Novo connects with Stripe, Square, and PayPal to help you track payouts, fees, and net revenue in one place.","processingFee.businessBankingBuiltForClarity":"Business banking built for clarity","processingFee.openNovoToTrackPayouts":"Open Novo to track payouts, categorize expenses, send invoices, and understand the cash your business keeps.","selfEmploymentTax.estimatedRegularScheduleSeTax":"ESTIMATED {year} REGULAR SCHEDULE SE TAX","selfEmploymentTax.theWageBaseIs":"The {year} wage base is {base}. The bar includes Form W2 box 3 wages first, then taxable self employment earnings from this estimate.","selfEmploymentTax.paymentCalendar":"{year} payment calendar","selfEmploymentTax.paymentNumber":"Payment {number}","selfEmploymentTax.viewTheOfficialForm1040es":"View the official {year} Form 1040-ES","selfEmploymentTax.theCalculatorFollowsTheRegular":"The calculator follows the regular federal method in IRS Publication 505: multiply expected self employment profit by 92.35 percent, apply 2.9 percent Medicare tax, and apply 12.4 percent Social Security tax up to the remaining annual wage base after eligible wages.","selfEmploymentTax.enterYourNetSelfEmployment":"Enter your net self employment profit and estimate regular Schedule SE tax for one person. Income tax and Additional Medicare Tax are not included.","selfEmploymentTax.resultsUpdateAsYouType":"Results update as you type using the regular federal Schedule SE method.","selfEmploymentTax.addBox3AcrossAll":"Add box 3 across all W2s for this person. This is a per person estimate, so combine net profit from all of that personâs businesses.","selfEmploymentTax.socialSecurityTaxIs0":"Social Security tax is $0 because your Social Security wages have already reached the {year} wage base. Medicare tax still applies when net earnings reach the $400 threshold.","selfEmploymentTax.basedOnOfEstimatedNet":"Based on {earnings} of estimated net earnings after the 92.35 percent factor. Effective self employment tax rate: {rate} percent of net profit.","selfEmploymentTax.irsPublication505":"IRS Publication 505","selfEmploymentTax.ssaWageBases":"SSA wage bases","selfEmploymentTax.irsAdditionalMedicareTax":"IRS Additional Medicare Tax","selfEmploymentTax.resultScheduleSeEstimate":"regular Schedule SE tax estimate","selfEmploymentTax.startWithNetProfit":"Start with net profit","selfEmploymentTax.netProfitIsBusinessIncome":"Net profit is business income after ordinary and necessary business expenses. You can enter it directly or let the calculator subtract expenses from gross income.","selfEmploymentTax.applyThe9235Percent":"Apply the 92.35 percent factor","selfEmploymentTax.theRegularScheduleSeMethod":"The regular Schedule SE method generally multiplies net self employment profit by 92.35 percent to determine net earnings subject to the tax.","selfEmploymentTax.splitSocialSecurityAndMedicare":"Split Social Security and Medicare","selfEmploymentTax.socialSecurityAppliesUpTo":"Social Security applies up to the annual wage base after eligible W2 wages. Medicare generally applies to all net earnings from self employment.","selfEmploymentTax.ordinaryBusinessExpenses":"Ordinary business expenses","selfEmploymentTax.suppliesSoftwareProfessionalServicesAdvert":"Supplies, software, professional services, advertising, and other ordinary costs may reduce Schedule C profit when they qualify.","selfEmploymentTax.homeOffice":"Home office","selfEmploymentTax.aSpaceUsedRegularlyAnd":"A space used regularly and exclusively for business may qualify under the simplified or actual expense method.","selfEmploymentTax.businessMileage":"Business mileage","selfEmploymentTax.eligibleBusinessDrivingMayBe":"Eligible business driving may be deductible using the standard mileage rate or actual vehicle expenses.","selfEmploymentTax.healthInsurance":"Health insurance","selfEmploymentTax.someSelfEmployedPeopleC
1an":"Some self employed people can deduct eligible health insurance premiums, subject to income and coverage rules.","selfEmploymentTax.halfOfSelfEmploymentTax":"Half of self employment tax","selfEmploymentTax.youCanGenerallyDeductThe":"You can generally deduct the employer equivalent portion of self employment tax when calculating adjusted gross income.","selfEmploymentTax.retirementContributions":"Retirement contributions","selfEmploymentTax.sepIraSimpleIraAnd":"SEP IRA, SIMPLE IRA, and individual 401(k) contributions may reduce taxable income when eligibility rules are met.","selfEmploymentTax.whoHasToPaySelf":"Who has to pay self employment tax?","selfEmploymentTax.soleProprietorsIndependentContractorsPartn":"Sole proprietors, independent contractors, partners, and other people in business for themselves generally owe self employment tax when net earnings from self employment are $400 or more. Special rules and exceptions can apply.","selfEmploymentTax.doIPaySelfEmployment":"Do I pay self employment tax on a side gig?","selfEmploymentTax.usuallyYesIfYourCombined":"Usually, yes, if your combined net earnings from self employment reach $400 or more. Side gig profit can be subject to self employment tax even when you also have a regular job.","selfEmploymentTax.whatIfIAlsoReceive":"What if I also receive W2 wages?","selfEmploymentTax.socialSecurityWagesFromForm":"Social Security wages from Form W2 box 3 use part or all of the annual Social Security wage base. Add box 3 across all W2s for the person being estimated. Medicare tax does not have the same wage cap.","selfEmploymentTax.doesThisIncludeFederalIncome":"Does this include federal income tax?","selfEmploymentTax.noTheResultEstimatesThe":"No. The result estimates the standard Social Security and Medicare portions of self employment tax only. Federal and state income tax, credits, withholding, and Additional Medicare Tax are not included.","selfEmploymentTax.whatHappensIfIDo":"What happens if I do not pay quarterly?","selfEmploymentTax.youMayOweAnUnderpayment":"You may owe an underpayment penalty if you do not pay enough tax during the year. Form 1040-ES helps calculate full estimated tax payments, and wage earners may be able to increase W2 withholding instead.","selfEmploymentTax.noItIsAnEducational":"No. It is an educational estimate using simplified federal rules. A qualified tax professional can review your complete income, filing status, deductions, credits, and state obligations.","selfEmploymentTax.selfEmploymentTaxCalculator":"Self-Employment Tax Calculator","selfEmploymentTax.estimateRegularFederalScheduleSe":"Estimate regular federal Schedule SE tax and see the Social Security, Medicare, annual quarter share, and full year set aside breakdown.","selfEmploymentTax.netSelfEmploymentProfit":"Net self employment profit","selfEmploymentTax.yourIncome":"YOUR INCOME","selfEmploymentTax.estimateTheTaxOnYour":"Estimate the tax on your self employment profit.","selfEmploymentTax.taxYear":"Tax year","selfEmploymentTax.whatDoYouKnow":"What do you know?","selfEmploymentTax.myNetProfit":"My net profit","selfEmploymentTax.myIncomeAndExpenses":"My income and expenses","selfEmploymentTax.annualNetSelfEmploymentProfit":"Annual net self employment profit","selfEmploymentTax.annualGrossBusinessIncome":"Annual gross business income","selfEmploymentTax.deductibleBusinessExpenses":"Deductible business expenses","selfEmploymentTax.calculatedNetProfit":"Calculated net profit","selfEmploymentTax.socialSecurityWagesFromForm2":"Social Security wages from Form W2 box 3 (optional)","selfEmploymentTax.averageSetAsideFrequencyAcross":"Average set aside frequency across a full year","selfEmploymentTax.averageRegularSeTaxSet":"Average regular SE tax set aside","selfEmploymentTax.socialSecurity":"Social Security","selfEmploymentTax.124PercentSubjectTo":"12.4 percent, subject to the wage base","selfEmploymentTax.medicare":"Medicare","selfEmploymentTax.29PercentOfEstimated":"2.9 percent of estimated net earnings","selfEmploymentTax.oneFourthOfAnnualRegular":"One fourth of annual regular SE tax","selfEmploymentTax.socialSecurityWageBaseUsed":"Social Security wage base used","selfEmploymentTax.showTheMath":"Show the math","selfEmploymentTax.netEarningsAt9235":"Net earnings at 92.35 percent","selfEmploymentTax.formW2Box3Wages":"Form W2 box 3 wages entered","
1selfEmploymentTax.wageBaseAvailableBeforeThis":"Wage base available before this estimate","selfEmploymentTax.socialSecurityTaxableSeEarnings":"Social Security taxable SE earnings","selfEmploymentTax.socialSecurityTaxAt12":"Social Security tax at 12.4 percent","selfEmploymentTax.medicareTaxAt29":"Medicare tax at 2.9 percent","selfEmploymentTax.regularScheduleSeTaxEstimate":"Regular Schedule SE tax estimate","selfEmploymentTax.enterYourIncomeToSee":"Enter your income to see the tax breakdown.","selfEmploymentTax.keepYourRegularScheduleSe":"Keep your regular Schedule SE tax estimate.","selfEmploymentTax.setItAsideAutomatically":"Set it aside automatically","selfEmploymentTax.createANovoReserveFor":"Create a Novo Reserve for taxes and earmark this amount automatically every time you get paid, free with your account.","selfEmploymentTax.createAReserveForTaxes":"Create a Reserve for taxes in seconds","selfEmploymentTax.taxPlanningAssistant":"Tax planning assistant","selfEmploymentTax.askAboutTheEstimateQuarterly":"Ask about the estimate, quarterly payments, or what to discuss with a tax professional.","selfEmploymentTax.hiICanHelpYou":"Hi! I can help you understand this self employment tax estimate. Enter your profit and any W2 wages, then ask about the breakdown or how to plan your set aside.","selfEmploymentTax.eGWhyDidMy":"e.g. Why did my W2 wages lower Social Security tax?","selfEmploymentTax.aiGeneratedGuidanceConfirmYour":"AI generated guidance. Confirm your tax situation with a qualified professional","selfEmploymentTax.theFederalCalculation":"The federal calculation","selfEmploymentTax.selfEmploymentTaxFundsSocial":"Self employment tax funds Social Security and Medicare.","selfEmploymentTax.federalEstimatedTaxIsUsually":"Federal estimated tax is usually paid four times a year.","selfEmploymentTax.keepMoreOfWhatYou":"Keep more of what you earn","selfEmploymentTax.commonDeductionsToDiscussWith":"Common deductions to discu
1ss with a tax professional","selfEmploymentTax.giveTaxMoneyItsOwn":"Give tax money its own place.","selfEmploymentTax.builtFromTheFederalWorksheet":"Built from the federal worksheet, not a shortcut rate.","selfEmploymentTax.selfEmploymentTaxQuestions":"Self employment tax questions","selfEmploymentTax.separateBusinessIncomeAndTax":"Separate business income and tax savings from day one.","selfEmploymentTax.selfEmploymentTaxCalculator2026":"Self-Employment Tax Calculator (2026) | Estimate What You Owe | Novo","selfEmploymentTax.estimate2026RegularScheduleSe":"Estimate 2026 regular Schedule SE tax with Social Security, Medicare, annual quarter share, and full year set aside amounts. Free and no login required.","selfEmploymentTax.free2026EstimateForIndependent":"Free 2026 estimate for independent workers","selfEmploymentTax.builtForFreelancers":"Built for freelancers","selfEmploymentTax.regularScheduleSeEstimateOnly":"Regular Schedule SE estimate only. It excludes federal and state income tax, credits, withholding, and Additional Medicare Tax. Set aside amounts are full year averages beginning in January. They are not complete Form 1040-ES payments.","selfEmploymentTax.selfEmploymentTaxOnlyFederal":"Self employment tax only. Federal and state income tax and Additional Medicare Tax are not included.","selfEmploymentTax.yourEnteredNetProfitIs":"Your entered net profit is zero or a loss, so this regular Schedule SE tax estimate is $0.","selfEmploymentTax.yourEstimatedNetEarningsAre":"Your estimated net earnings are below the usual $400 threshold for self employment tax.","selfEmploymentTax.fullYearAverageBeginningIn":"Full year average beginning in January. Income tax and Additional Medicare Tax are not included.","selfEmploymentTax.notACompleteQuarterlyForm":"Not a complete quarterly Form 1040-ES payment","selfEmploymentTax.adjustmentToIncomeNotA":"Adjustment to income, not a tax credit or reduction of the regular Schedule SE tax estimate.","selfEmploymentTax.socialSecurityWageBaseRemaining":"Social Security wage base remaining after estimate","selfEmploymentTax.socialSecurityMedicareQuarterlyAnd":"Social Security, Medicare, quarterly, and per payment amounts will appear here instantly.","selfEmploymentTax.employeesSplitTheseTaxesWith":"Employees split these taxes with an employer. Self employed people generally pay both portions through Schedule SE when their net earnings reach the filing threshold.","selfEmploymentTax.theseAreTheIrsCalendar":"These are the IRS calendar year dates for Form 1040-ES. Your full estimated payment can include income tax and other amounts beyond the self employment tax shown above.","selfEmploymentTax.goodRecordsCanHelpYou":"Good records can help you claim legitimate business deductions and understand which expenses reduce business profit versus income tax.","selfEmploymentTax.createADedicatedNovoReserve":"Create a dedicated Novo Reserve for taxes so the amount you set aside stays separate from everyday operating money.","selfEmploymentTax.createAndNameAReserve":"Create and name a Reserve for taxes","selfEmploymentTax.itDoesNotCalculateFederal":"It does not calculate federal or state income tax, Additional Medicare Tax, tax credits, safe harbor payments, withholding, special farm or clergy rules, or every Schedule SE adjustment.","selfEmploymentTax.openNovoToOrganizeIncome":"Open Novo to organize income, expenses, invoices, and the money you plan to send to the IRS.","solo401k.maximumFlexibility":"Maximum flexibility","solo401k.simplerSetup":"Simpler setup","solo4
101k.retirementContributionComparison":"2026 retirement contribution comparison","solo401k.useFormW2Box3":"Use Form W2 Box 3 wages from this business. More than $150,000 makes 2026 catch up contributions Roth under the federal rule, if the plan permits catch up.","solo401k.putUpToTowardRetirement":"Put up to {amount} toward retirement.","solo401k.reviewPlanEligibilityAndEmployee":"Review plan eligibility and employee costs before choosing.","solo401k.aSolo401kMayBetter":"A Solo 401(k) may better preserve backdoor Roth flexibility.","solo401k.contributionLimitsTieSoPlan":"Contribution limits tie, so plan features decide.","solo401k.aSolo401kProvidesMore":"A Solo 401(k) provides more owner contribution room under these assumptions.","solo401k.aSepIraProvidesMore":"A SEP IRA provides more owner contribution room after your other plan deferrals.","solo401k.aSolo401kMayAllow":"A Solo 401(k) may allow Roth employee deferrals. A SEP IRA uses employer contributions rather than the same employee deferral choice.","solo401k.estimatedContributionDifference":"Estimated contribution difference","solo401k.potentialExtraSolo401kContribution":"Potential extra Solo 401(k) contribution","solo401k.potentialExtraSepIraContribution":"Potential extra SEP IRA contribution","solo401k.theSelfEmployedEstimateSubtracts":"The self employed estimate subtracts {amount} as an estimated deductible part of self employment tax before calculating plan compensation.","solo401k.thisChoiceAppliesToThe":"This choice applies to the Solo 401(k) employee deferral and eligible catch up. Employer contributions remain traditional in this estimate.","solo401k.irsOneParticipant401kPlans":"IRS one participant 401(k) plans","solo401k.irsSepContributionLimits":"IRS SEP contribution limits","solo401k.irsPublication560":"IRS Publication 560","solo401k.irsNotice202567":"IRS Notice 2025-67","solo401k.irsForm8606Instructions":"IRS Form 8606 instructions","solo401k.solo401K":"Solo 401(k)","solo401k.bestForMaximizingContributions":"Best for maximizing contributions","solo401k.anOwnerOnlyBusinessCan":"An owner only business can combine an employee deferral with an employer contribution. It can also allow Roth employee deferrals and age based catch up contributions.","solo401k.higherPotentialAtModerateIncome":"Higher potential at moderate income","solo401k.mayKeepPlanAssetsOutside":"May keep plan assets outside the IRA pro rata calculation","solo401k.moreSetupAndAnnualAdministration":"More setup and annual administration","solo401k.sepIra":"SEP IRA","solo401k.bestForSimpleAdministration":"Best for simple administration","solo401k.theBusinessMakesTheContribution":"The business makes the contribution. There is no regular employee deferral or catch up contribution, but setup and ongoing administration are generally simpler.","solo401k.employerContributionsOnly":"Employer contributions only","solo401k.sameContributionRateForEligible":"Same contribution rate for eligible employees","solo401k.sepIraBalanceGenerallyEnters":"SEP IRA balance generally enters the IRA pro rata calculation","solo401k.simpleIra":"SIMPLE IRA","solo401k.worthComparingWithEmployees":"Worth comparing with employees","solo401k.aSimpleIraCanSuit":"A SIMPLE IRA can suit a small employer that wants employee deferrals and required employer funding without operating a full 401(k) plan.","solo401k.designedForSmallEmployers":"Designed for small employers","solo401k.employeeDeferralsAllowed":"Employee deferrals allowed","solo401k.lowerLimitsThanA401":"Lower limits than a 401(k)","solo401k.sharedAcross401KAnd":"Shared across 401(k) and 403(b) plans","solo401k.aboveTheRegularAnnualAdditions":"Above the regular annual additions limit","solo401k.enhancedCatchUpReplacesThe":"Enhanced catch up replaces the $8,000 amount","solo401k.employeePlusEmployerBeforeCatch":"Employee plus employer, before catch up","solo401k.annualCompensationCeilingForPlan":"Annual compensation ceiling for plan formulas","solo4
101k.canIContributeToBoth":"Can I contribute to both a Solo 401(k) and a SEP IRA?","solo401k.youMayBeAbleTo":"You may be able to maintain both, but contributions from the same business generally share the overall defined contribution limit. Opening both does not double the annual ceiling. A retirement plan professional can review multiple plans and related businesses.","solo401k.canASolo401K":"Can a Solo 401(k) include employees?","solo401k.aOneParticipant401K":"A one participant 401(k) generally covers a business owner with no common law employees, or the owner and a spouse. Hiring an eligible employee can trigger broader plan participation and testing requirements.","solo401k.howAreSoleProprietorContributions":"How are sole proprietor contributions calculated?","solo401k.theIrsUsesAdjustedNet":"The IRS uses adjusted net earnings from self employment after the deductible part of self employment tax and the contribution itself. For a plan with a 25 percent employer rate, the reduced rate for a self employed owner is generally 20 percent. This tool estimates the deductible self employment tax adjustment before applying that reduced rate.","solo401k.doRothSolo401K":"Do Roth Solo 401(k) contributions lower current taxes?","solo401k.designatedRothEmployeeDeferralsGenerally":"Designated Roth employee deferrals generally do not reduce current taxable income. Traditional employee deferrals generally can. The headline plan comparison assumes traditional contributions for both plans so it stays like for like. Your Solo 401(k) tax treatment appears separately after the contribution amounts.","solo401k.canASepIraAffect":"Can a SEP IRA affect a backdoor Roth conversion?","solo401k.traditionalSepIraBalancesAre":"Traditional SEP IRA balances are generally included with other traditional, SEP, and SIMPLE IRA balances in the Form 8606 pro rata calculation. Qualified 401(k) plan assets generally are not included in that IRA balance. Review your full IRA situation with a tax professional before choosing a plan.","solo401k.whenAreContributionsDue":"When are contributions due?","solo401k.deadlinesDependOnThePlan":"Deadlines depend on the plan type, business structure, plan terms, and tax return. Employee deferral elections and contribution deposits can have different timing rules. Confirm the dates for your plan with its provider or a qualified tax professional.","solo401k.isThisCalculatorTaxOr":"Is this calculator tax or investment advice?","solo401k.noItIsAnEducational":"No. It is an educational estimate based on simplified federal rules and 2026 limits. It does not evaluate plan eligibility, employees, controlled groups, other workplace plans, state taxes, investment choices, or every deduction adjustment.","solo401k.solo401KAndSep":"Solo 401(k) and SEP IRA Calculator","solo401k.compareEstimated2026Solo401":"Compare estimated 2026 Solo 401(k) and SEP IRA contribution limits for an owner only business.","solo401k.higherContributionCeiling":"Higher contribution ceiling","solo401k.estimatedMaximumContribution":"Estimated maximum contribution","solo401k.employeeDeferral":"Employee deferral","solo401k.employerContribution":"Employer contribution","solo401k.catchUp":"Catch up","solo401k.approxFederalReductionIfTraditional":"Approx. federal reduction if traditional","solo401k.whereTheContributionCeilingsConverge":"Where the contribution ceilings converge","solo401k.incomeAmount":"{amount} income","solo401k.solo401KSepIra":"Solo 401(k) / SEP IRA Calculator","solo401k.findYourEstimated2026Contribution":"Find your estimated 2026 contribution ceiling.","solo401k.retirementPlanAssistant":"Retirement plan assistant","solo401k.employeeEligibilityWarning":"A one participant 401(k) generally cannot exclude eligible common law employees. A SEP IRA may require the same contribution rate for eligible employees. Employee contributions are not included here.","solo401k.ownerSpouseEligibility":"You indicated an owner and spouse only business, which can fit one participant 401(k) eligibility, subject to plan rules.","solo401k.form8606Warning":"SEP IRA balances generally enter the Form 8606 IRA pro rata calculation. Qualified 401(k) assets generally do not.","solo401k.askAboutTheContributionSplit":"Ask about the contribution split, plan differences, or what to discu
1ss with a professional.","solo401k.hiICanHelpYou":"Hi! I can help you understand this Solo 401(k) and SEP IRA comparison. Enter your business income, then ask about the contribution breakdown or which plan details to explore.","solo401k.eGWhyIsThe":"e.g. Why is the Solo 401(k) limit higher?","solo401k.aiGeneratedGuidanceConfirmPlan":"AI generated guidance. Confirm plan rules with a qualified professional","solo401k.yourAgeAtYearEnd":"Your age at year end","solo401k.estimatedFederalTaxRate":"Estimated federal tax rate","solo401k.doYouHaveEmployeesOther":"Do you have employees other than you or your spouse?","solo401k.doPretaxIrasOrBackdoor":"Do pretax IRAs or backdoor Roth conversions apply to you?","solo401k.otherRetirementPlanInputs":"Other retirement plan inputs","solo401k.2026RegularDeferralsAlreadyMade":"2026 regular deferrals already made to other plans","solo401k.2026CatchUpAlreadyMade":"2026 catch up already made to other plans","solo401k.2025SocialSecurityWagesFrom":"2025 Social Security wages from this business","solo401k.your2026Comparison":"YOUR 2026 COMPARISON","solo401k.freeInstantEstimate":"Free instant estimate","solo401k.whatYourAnswersSuggest":"WHAT YOUR ANSWERS SUGGEST","solo401k.refineTheSolo401K":"REFINE THE SOLO 401(K) ESTIMATE","solo401k.whenDoYouWantTo":"When do you want to pay taxes?","solo401k.solo401KTaxTreatment":"Solo 401(k) tax treatment","solo401k.traditionalSoloAmount":"Traditional Solo amount","solo401k.rothSoloAmount":"Roth Solo amount","solo401k.approxCurrentFederalReduction":"Approx. current federal reduction","solo401k.yourComparison":"YOUR COMPARISON","solo401k.enterYourIncomeToCompare":"Enter your income to compare both plans.","solo401k.saveMoreStressLess":"Save more, stress less","solo401k.createANovoReserveAnd":"Create a Novo Reserve and set aside your retirement contribution automatically, every time you get paid.","solo401k.createAReserveForRetirement":"Create a Reserve for retirement in seconds","solo401k.whichPlanFitsYourBusiness":"Which plan fits your business?","solo401k.contributionRoomIsOnlyOne":"Contribution room is only one part of the decision.","solo401k.2026FederalLimits":"2026 federal limits","solo401k.knowTheCeilingsBehindYour":"Know the ceilings behind your estimate.","solo401k.limit":"Limit","solo401k.2026Amount":"2026 amount","solo401k.whatItMeans":"What it means","solo401k.giveRetirementMoneyItsOwn":"Give retirement money its own place.","solo401k.currentLimitsTransparentMath":"Current limits, transparent math.","solo401k.solo401KAndSep2":"Solo 401(k) and SEP IRA questions","solo401k.organizeTodayWhileYouPlan":"Organize today while you plan for tomorrow.","solo401k.solo401KSepIra2":"Solo 401(k) & SEP IRA Calculator (2026) | Free Contribution Estimator | Novo","solo4
101k.compareEstimated2026Solo4012":"Compare estimated 2026 Solo 401(k) and SEP IRA contribution limits, employer contributions, catch up amounts, and potential tax savings.","solo401k.illustrativeAmountsBeforeAgeBased":"Illustrative amounts before age based catch up contributions or other workplace plan deferrals.","solo401k.free2026RetirementContributionEstimate":"Free 2026 retirement contribution estimate","solo401k.irsLimits2026":"2026 IRS limits","solo401k.percentRate":"{rate} percent","solo401k.employerRateCappedExplanation":"Based on {compensation} of estimated plan compensation, limited to the {maximum} 2026 maximum, and a {rate} percent employer rate.","solo401k.employerRateExplanation":"Based on {compensation} of estimated plan compensation and a {rate} percent employer rate.","solo401k.chooseHowYourBusinessPays":"Choose how your business pays you, then enter the income used by your retirement plan.","solo401k.educationalFederalEstimateOnlyYour":"Educational federal estimate only. Your plan terms, compensation, employees, related businesses, other retirement plans, and exact tax deductions can change the result.","solo401k.existingTraditionalSepOrSimple":"Existing traditional, SEP, or SIMPLE IRA balances can already affect the IRA pro rata calculation.","solo401k.bothCardEstimatesAssumeAll":"Both card estimates assume all traditional contributions for a like for like comparison. Federal tax effects are rounded to the nearest $100 and exclude state taxes. Required Roth catch up contributions remain Roth.","solo401k.theCatchUpAmountIs":"The catch up amount is shown as Roth because the 2025 Form W2 Box 3 wages entered for this sponsoring business exceed $150,000.","solo401k.employeeDeferralEmployerContributionCatch":"Employee deferral, employer contribution, catch up, and estimated tax savings will appear here instantly.","solo401k.compareEligibilityAdministrationEmployeeRu":"Compare eligibility, administration, employee rules, and tax treatment before choosing a plan.","solo401k.theseDollarLimitsApplyBefore":"These dollar limits apply before plan specific compensation, eligibility, and contribution formulas.","solo401k.createAndNameAReserve":"Create and name a Reserve for retirement","solo401k.theCalculatorUsesIrs2026":"The calculator uses IRS 2026 limits and simplified federal formulas. A corporation estimate applies a 25 percent employer rate to W2 wages. A sole proprietor or working partner estimate applies the reduced 20 percent rate to adjusted net earnings.","solo401k.seeYourMaximumSolo401K":"See your maximum Solo 401(k) and SEP IRA contribution limits side by side, free and instantly.","solo401k.useNetEarningsBeforeYour":"Use net earnings before your retirement plan contribution. The estimate adjusts for the deductible part of self employment tax.","solo401k.useW2WagesFromThis":"Use W2 wages from this business, not distributions, dividends, or total business profit.","solo401k.includeEmployeeDeferralsToOther":"Include employee deferrals to other 401(k) and 403(b) plans. The regular limit is shared.","solo401k.onceYouKnowHowMuch":"Once you know how much you want to contribute, create a Novo Reserve and keep that amount separate from everyday operating cash.","solo401k.theComparisonCardsApplyYour":"The comparison cards apply your selected federal rate to an all traditional version of each contribution estimate, then round the result to the nearest $100. The Solo tax refinement reflects your Roth selection. All estimates exclude state taxes, credits, income phaseouts, and tax due when traditional money is distributed.","solo401k.regularEmployeeDeferralsAndCatch":"Regular employee deferrals and catch up contributions are reduced by amounts you enter from other plans. For an age eligible corporate owner, 2025 Social Security wages above $150,000 make 2026 catch up contributions Roth under the federal rule, subject to plan terms.","solo401k.openNovoToKeepOperating":"Open Novo to keep operating cash, expenses, and retirement savings targets clear.","solo401k.ownerOnlyBusiness":"Owner only business","solo401k.flexibleAnnualFunding":"Flexible annual funding","solo401k.employeeDeferral401K":"401(k) employee deferral","solo401k.age50OrOlderCatchUp":"Age 50 or older catch up","solo4
101k.age60Through63CatchUp":"Age 60 through 63 catch up","solo401k.regularAnnualAdditions":"Regular annual additions","solo401k.compensationConsidered":"Compensation considered","solo401k.noOwnerAndSpouseOnly":"No, owner and spouse only","solo401k.yesIHaveEmployees":"Yes, I have employees","solo401k.iPlanToHireEmployees":"I plan to hire employees","solo401k.neitherAppliesToMe":"Neither applies to me","solo401k.iHavePretaxIraBalances":"I have pretax IRA balances","solo401k.iUseOrPlanToUse":"I use or plan to use a backdoor Roth","solo401k.bothApplyToMe":"Both apply to me","sCorpLlc.theCalculationUsesASocial":"The {year} calculation uses a {wageBase} Social Security wage base, current Social Security and Medicare rates, the 92.35% self employment earnings factor, and a {allowance} annual planning allowance for payroll and additional tax preparation.","sCorpLlc.manyOwnersBeginExploringAn":"Many owners begin exploring an S Corp election when consistent annual profit reaches roughly $40,000 to $75,000. That is only a conversation starter. The right threshold depends on reasonable salary, state rules, payroll costs, and the ownerâs complete tax picture.","sCorpLlc.enterAnnualNetProfitGreater":"Enter annual net profit greater than zero.","sCorpLlc.enterAReasonableSalaryGreater":"Enter a reasonable salary greater than zero.","sCorpLlc.salaryCannotBeGreaterThan":"Salary cannot be greater than annual net profit.","sCorpLlc.resultSummaryCopied":"Result summary copied.","sCorpLlc.copyEstimateTitle":"{year} S-Corp vs LLC estimate","sCorpLlc.copyAnnualProfit":"Annual profit: {amount}","sCorpLlc.copyReasonableSalary":"Reasonable salary: {amount}","sCorpLlc.copyDefaultLlcEmploymentTax":"Default LLC employment tax: {amount}","sCorpLlc.copySCorpPayrollTax":"S Corp payroll tax: {amount}","sCorpLlc.copyEstimatedAnnualBenefit":"Estimated annual benefit after modeled costs: {amount}","sCorpLlc.copyFailedYouCanPrint":"Copy failed. You can print the result instead.","sCorpLlc.seeHowMuchYouCould":"See how much you could save in taxes as an S-Corp vs. staying an LLC â instant estimate, no signup.","sCorpLlc.seeTheLlcAccountChecklist":"See the LLC account checklist","sCorpLlc.ssa2026WageBase":"SSA 2026 wage base","sCorpLlc.irsReasonableCompensation":"IRS reasonable compensation","sCorpLlc.californiaSCorporationTax":"California S corporation tax","sCorpLlc.illinoisReplacementTax":"Illinois replacement tax","sCorpLlc.newJerseySCorporationMinimum":"New Jersey S corporation minimum tax","sCorpLlc.yourLlcMayBeThe":"Your LLC may be the simpler choice for now","sCorpLlc.anSCorpElectionMaySave":"An S Corp election may save about {amount} per year","sCorpLlc.anSCorpMayOfferModest":"An S Corp may offer modest savings","sCorpLlc.enterYourNumbersAndCalculate":"Enter your numbers and calculate to see state specific adjustments.","sCorpLlc.aSingleMemberLlcNormally":"A single-member LLC normally reports business profit on the ownerâs return. About 92.35% of net earnings is generally subject to self employment tax.","sCorpLlc.sCorpSalary":"S Corp salary","sCorpLlc.anOwnerWhoWorksIn":"An owner who works in the business must receive reasonable compensation. Salary is subject to payroll taxes.","sCorpLlc.sCorpDistributions":"S Corp distributions","sCorpLlc.remainingProfitMayBeDistributed":"Remaining profit may be distributed to the owner without being included in the employment tax calculation.","sCorpLlc.runPayroll":"Run payroll","sCorpLlc.payYourselfOnARegular":"Pay yourself on a regular schedule, withhold payroll taxes, and file payroll reports.","sCorpLlc.documentReasonableCompensation":"Document reasonable compensation","sCorpLlc.useComparableMarketPayYour":"Use comparable market pay, your duties, experience, and time in the business to support the salary.","sCorpLlc.fileASeparateReturn":"File a separate return","sCorpLlc.anSCorporationGenerallyFiles":"An S corporation generally files Form 1120-S and gives each shareholder a Schedule K-1.","sCorpLlc.keepCleanRecords":"Keep clean records","sCorpLlc.separateSalaryOwnerDistributionsBusiness":"Separate salary, owner distributions, business expenses, and personal spending throughout the year.","sCorpLlc.isAnLlcTheSame":"Is an LLC the same thing as an S Corp?","sCorpLlc.noAnLlcIsA":"No. An LLC is a legal entity created under state law. S corporation status is a federal tax election that an eligible LLC or corporation can make.","sCorpLlc.whatCountsAsAReasonable":"What counts as a reasonable salary?","sCorpLlc.theIrsConsidersFactorsSuch":"The IRS considers factors such as training, experience, duties, time devoted to the business, payments to other employees, and what comparable businesses pay for similar work. There is no universal percentage that automatically qualifies.","sCorpLlc.whenIsAnSCorp":"When is an S Corp election due?","sCorpLlc.form2553IsGenerallyDue":"Form 2553 is generally due no later than two months and 15 days after the beginning of the tax year when the election should take effect. Late election relief may be available in some situations.","sCorpLlc.doesAnSCorpProvide":"Does an S Corp provide more liability protection than an LLC?","sCorpLlc.sCorporationStatusIsMainly":"S corporation status is mainly a tax classification and does not by itself create a new layer of liability protection. Your state entity, operations, contracts, and insurance affect liability protection.","sCorpLlc.doesThisCalculatorIncludeState":"Does this calculator include state taxes?","sCorpLlc.theCalculatorIncludesALimited":"The calculator includes a limited planning adjustment for certain state-level S corporation taxes. It does not model every state, city, franchise, payroll, or filing tax. Review the state note in y
1our result and consult a tax professional.","sCorpLlc.noItIsAnEducational":"No. It is an educational estimate based on the information you enter and simplified assumptions. A CPA or tax attorney can evaluate your full income, deductions, state rules, and eligibility.","sCorpLlc.sCorpVsLlcCalculator":"S-Corp vs LLC Calculator","sCorpLlc.estimateTheEmploymentTaxDifference":"Estimate the employment tax difference between default LLC tax treatment and an S corporation election.","sCorpLlc.educationalEstimateOnlyConsultA":"Educational estimate only. Consult a qualified tax professional.","sCorpLlc.free2026EstimateForBusiness":"Free 2026 estimate for business owners","sCorpLlc.startWithTheProfitYour":"Start with the profit your business keeps.","sCorpLlc.estimatedAnnualNetProfit":"Estimated annual net profit","sCorpLlc.yourIndustryOrRole":"Your industry or role","sCorpLlc.salaryYouPayYourselfReasonable":"Salary you pay yourself (reasonable salary)","sCorpLlc.businessState":"Business state","sCorpLlc.taxFilingStatus":"Tax filing status","sCorpLlc.keepSalaryAndProfitSeparate":"Keep salary and profit separate","sCorpLlc.onceYouKnowYourStructure":"Once you know your structure, open the Novo account built for LLC owners â documents, EIN help, and no monthly fees.","sCorpLlc.builtForLlcAndS":"Built for LLC and S-Corp owners","sCorpLlc.knowExactlyWhatDocumentsYou":"Know exactly what documents you need to open","sCorpLlc.theImportantDistinction":"The important distinction","sCorpLlc.anLlcIsALegal":"An LLC is a legal entity. S Corp is a tax election.","sCorpLlc.whenMightItMakeSense":"When might it make sense?","sCorpLlc.profitCreatesRoomBetweenSalary":"Profit creates room between salary and distributions.","sCorpLlc.theOperationalSide":"The operational side","sCorpLlc.whatItTakesToRun":"What it takes to run an S Corp","sCorpLlc.onceYouDecide":"Once you decide","sCorpLlc.keepBusinessAndPersonalMoney":"Keep business and personal money separate.","sCorpLlc.builtForAUsefulEstimate":"Built for a useful estimate, not a tax return.","sCorpLlc.sCorpAndLlcQuestions":"S-Corp and LLC questions","sCorpLlc.builtForLlcOwners":"Built for LLC owners","sCorpLlc.putYourBusinessStructureInto":"Put your business structure into practice.","sCorpLlc.sCorpVsLlcCalculator2":"S-Corp vs LLC Calculator: Free Tax Savings Estimator (2026)","sCorpLlc.compareEstimatedSelfEmploymentAnd":"Compare estimated self employment and payroll taxes for default LLC tax treatment versus an S corporation election. Free 2026 estimate with no signup.","sCorpLlc.plainEnglishResults":"Plain English results","sCorpLlc.yourNumbersStayInYour":"Your numbers stay in your browser","sCorpLlc.useAnnualNetProfitAfter":"Use annual net profit after ordinary business expenses but before paying yourself.","sCorpLlc.calculateMyEstimate":"Calculate my estimate","sCorpLlc.educationalEstimateOnlyThisCalculator":"Educational estimate only. This calculator does not include federal income tax, every state or local tax, credits, deductions, retirement contributions, or other household income. Consult a CPA or tax attorney before making an election.","sCorpLlc.youCanKeepYourLlc":"You can keep your LLC and ask the IRS to tax it as an S corporation. The potential savings come from how employment taxes apply to owner salary and distributions.","sCorpLlc.ifAMarketRateSalary":"If a market-rate salary would consume nearly all business profit, there may be little distribution left to create employment tax savings.","sCorpLlc.openAFreeNovoAccount":"Open a free Novo account in minutes","sCorpLlc.aDedicatedBusinessCheckingAccount":"A dedicated business checking account makes salary, distributions, taxes, and operating expenses easier to document throughout the year.","sCorpLlc.reservesForTaxesPayrollAnd":"Reserves for taxes, payroll, and profit","sCorpLlc.invoicingAndPaymentToolsIncluded":"Invoicing and payment tools included","sCorpLlc.itDoesNotModelFederal":"It does not model federal income tax, the qualified business income deduction, other W-2 wages, federal or state unemployment taxes, every state or local tax, retirement contributions, or tax credits. State adjustments are limited planning estimates based on official state rates and minimums.","sCorpLlc.openNovoToSeparateBusiness":"Open Novo to separate business money, organize taxes, send invoices, and manage the income your business earns.","invoiceGenerator.instantPdf":"Instant PDF","invoiceGenerator.termDueOnReceipt":"Due on receipt","invoiceGenerator.termNet7":"Net 7","invoiceGenerator.termNet15":"Net 15","invoiceGenerator.termNet30":"Net 30","invoiceGenerator.termNet60":"Net 60","invoiceGenerator.laborAndMaterials":"Labor and materials","invoiceGenerator.creativeServices":"Creative services","invoiceGenerator.productsAndServices":"Products and services","invoiceGenerator.servicesProvided":"Services provided","invoiceGenerator.enterYourBusinessName":"Enter your business name.","invoiceGenerator.enterAClientName":"Enter a client name.","invoiceGenerator.addOneCompleteLineItem":"Add one complete line item.","invoiceGenerator.completeTheRequiredFieldsBefore":"C
1omplete the required fields before downloading.","invoiceGenerator.yourInvoicePdfHasDownloaded":"Your invoice PDF has downloaded.","invoiceGenerator.weCouldNotGenerateThe":"We could not generate the PDF. Please try again.","invoiceGenerator.discountPercent":"Discount %","invoiceGenerator.discountAmount":"Discount amount","invoiceGenerator.creatingPdf":"Creating PDFâ¦","invoiceGenerator.achPaymentDetails":"ACH payment details","invoiceGenerator.routingNumber":"Routing number","invoiceGenerator.accountNumber":"Account number","invoiceGenerator.taxAmount":"Tax amount","invoiceGenerator.freeInvoiceGenerator":"Free Invoice Generator","invoiceGenerator.createAProfessionalInvoiceOnline":"Create a professional invoice online and download it as a PDF in minutes. Free, unlimited, and no signup required.","invoiceGenerator.freelancerConsultant":"Freelancer / Consultant","invoiceGenerator.professionalServicesAndProjectWork":"Professional services and project work","invoiceGenerator.contractorTrades":"Contractor / Trades","invoiceGenerator.laborMaterialsAndServiceCalls":"Labor, materials, and service calls","invoiceGenerator.creativeAgency":"Creative / Agency","invoiceGenerator.designProductionAndRetainers":"Design, production, and retainers","invoiceGenerator.retailEcommerce":"Retail / Ecommerce","invoiceGenerator.productsDeliveryAndWholesaleOrders":"Products, delivery, and wholesale orders","invoiceGenerator.other":"Other","invoiceGenerator.startWithAFlexibleBlank":"Start with a flexible blank invoice","invoiceGenerator.addYourDetails":"Add your details","invoiceGenerator.enterYourBusinessAndClient":"Enter your business and client information so everyone knows who is billing whom.","invoiceGenerator.listTheWork":"List the work","invoiceGenerator.addEachServiceOrProduct":"Add each service or product with its quantity and rate. Totals update automatically.","invoiceGenerator.setPaymentTerms":"Set payment terms","invoiceGenerator.chooseADueDateAccepted":"Choose a due date, accepted payment methods, and clear instructions for getting paid.","invoiceGenerator.downloadThePdf":"Download the PDF","invoiceGenerator.reviewTheLivePreviewAnd":"Review the live preview and download a professional invoice without creating an account.","invoiceGenerator.whenYouSentTheInvoice":"When you sent the invoice and when payment is expected.","invoiceGenerator.aClearDescriptionQuantityRate":"A clear description, quantity, rate, and amount for each item.","invoiceGenerator.anyTaxDiscountOrShipping":"Any tax, discount, or shipping amount applied to the total.","invoiceGenerator.helpfulContextLateFeeTerms":"Helpful context, late fee terms, or a simple thank you.","invoiceGenerator.isThisInvoiceGeneratorReally":"Is this invoice generator really free?","invoiceGenerator.yesYouCanCreateAnd":"Yes. You can create and download unlimited PDF invoices without signing up or installing software.","invoiceGenerator.whatInformationShouldAnInvoice":"What information should an invoice include?","invoiceGenerator.includeYourBusinessDetailsClient":"Include your business details, client details, a unique invoice number, issue and due dates, itemized charges, taxes or discounts, the total due, and clear payment instructions.","invoiceGenerator.canICreateAnInvoice":"Can I create an invoice for an international client?","invoiceGenerator.yesChooseTheCurrencyYou":"Yes. Choose the currency you agreed to use and make your payment instructions explicit. Confirm any tax and banking requirements that apply to your business and your client.","invoiceGenerator.whatIsTheDifferenceBetween":"What is the difference between an invoice and a receipt?","invoiceGenerator.anInvoiceRequestsPaymentFor":"An invoice requests payment for work or products. A receipt confirms that payment has already been made.","invoiceGenerator.howCanIGetInvoices":"How can I get invoices paid faster?","invoiceGenerator.sendInvoicesPromptlyUseA":"Send invoices promptly, use a specific due date, offer convenient payment methods, and follow up before an invoice becomes overdue. Novo account holders can also track invoice activity and send automatic reminders.","invoiceGenerator.freeToolForSmallBusinesses":"Free tool for small businesses","invoiceGenerator.invoiceBuilder":"Invoice builder","invoiceGenerator.whoIsThisInvoiceFrom":"Who is this invoice from?","invoiceGenerator.businessName":"Business name *","invoiceGenerator.businessEmail":"Business email","invoiceGenerator.helloNorthstarCom":"[email protected]","invoiceGenerator.123MainStreetBrooklynNy":"123 Main Street, Brooklyn, NY 11201","invoiceGenerator.phone":"Phone","invoiceGenerator.whoAreYouBilling":"Who are you billing?","invoiceGenerator.clientName":"Client name *","invoiceGenerator.acmeCompany":"Acme Company","invoiceGenerator.billingAcmeCom":"[email protected]","invoiceGenerator.456MarketStreetAustinTx":"456 Market Street, Austin, TX 78701","invoiceGenerator.invoiceNumber":"Invoice number","invoiceGenerator.whatAreYouBillingFor":"What are you billing for?","invoiceGenerator.percent":"Percent","invoiceGenerator.flatAmount":"Flat amount","invoiceGenerator.shippingCost":"Shipping cost","invoiceGenerator.howShouldYourClientPay":"How should your client pay?","invoiceGenerator.custom"
1:"Custom","invoiceGenerator.acceptedPaymentMethods":"Accepted payment methods","invoiceGenerator.routingNumberOptional":"Routing number (optional)","invoiceGenerator.9Digits":"9 digits","invoiceGenerator.accountNumberOptional":"Account number (optional)","invoiceGenerator.upTo17Digits":"Up to 17 digits","invoiceGenerator.invoicePreviewAndTotal":"Invoice preview and total","invoiceGenerator.livePreview":"Live preview","invoiceGenerator.updatesAsYouType":"Updates as you type","invoiceGenerator.neverChaseAPaymentAgain":"Never chase a payment again","invoiceGenerator.seeWhenThisInvoiceIs":"See when this invoice is opened, get automatic payment reminders, and accept ACH, card, or PayPal, all free.","invoiceGenerator.addYourLogoAndCustomize":"Add your logo and customize invoices","invoiceGenerator.acceptAchCardAndPaypal":"Accept ACH, card, and PayPal payments","invoiceGenerator.fromBlankPageToPaid":"From blank page to paid","invoiceGenerator.howToFillOutYour":"How to fill out your invoice","invoiceGenerator.invoiceChecklist":"Invoice checklist","invoiceGenerator.knowWhenItIsOpened":"Know when it is opened. Get paid without the follow up.","invoiceGenerator.invoiceGeneratorQuestions":"Invoice generator questions","invoiceGenerator.builtForGettingPaid":"Built for getting paid","invoiceGenerator.moveFromOneFreeInvoice":"Move from one free invoice to your complete payment system.","invoiceGenerator.freeInvoiceGeneratorCreateDownload":"Free Invoice Generator â Create & Download Invoices Online","invoiceGenerator.createAndDownloadAProfessional":"Create and download a professional invoice in minutes. No signup, no software to install.","invoiceGenerator.freeAndUnlimited":"Free and unlimited","invoiceGenerator.yourDetailsStayInYour":"Your details stay in your browser","invoiceGenerator.weWillSuggestUsefulLine":"We will suggest useful line items, terms, and payment methods.","invoiceGenerator.addTheInformationYourClient":"Add the information your client should see on the invoice.","invoiceGenerator.addYourClientAndInvoice":"Add your client and invoice details.","invoiceGenerator.makeTheNextStepClear":"Make the next step clear so there is less room for delay.","invoiceGenerator.theseDetailsStayInYour":"These details stay in your browser. Only add banking information you are comfortable sharing with this client.","invoiceGenerator.whatToIncludeOnEvery":"What to include on every invoice","invoiceGenerator.aGoodInvoiceAnswersThe":"A good invoice answers the clientâs questions before they need to ask and gives them one obvious next step.","invoiceGenerator.invoiceSentWhatHappensNext":"Invoice sent. What happens next?","invoiceGenerator.novoTurnsAStaticInvoice":"Novo turns a static invoice into a complete payment workflow with open tracking, automatic reminders, and online payments.","invoiceGenerator.openANovoBusinessChecking":"Open a Novo business checking account","invoiceGenerator.sendUnlimitedBrandedInvoices":"Send unlimited branded invoices","invoiceGenerator.acceptAchCardAndPaypal2":"Accept ACH, card, and PayPal","invoiceGenerator.trackOpensAndAutomateReminders":"Track opens and automate reminders","invoiceGenerator.keepPaymentsAndBookkeepingTogether":"Keep payments and bookkeeping together","invoiceGenerator.openANovoAccountTo":"Open a Novo account to create branded invoices, track payments, and manage the money when it lands.","invoiceGenerator.addServicesOrProducts":"Add services or products. Your invoice total updates as you type.","invoiceGenerator.pleaseIncludeTheInvoiceNumber":"Please include the invoice number with your payment.","invoiceGenerator.thankYouForYourBusiness":"Thank you for your business.","invoiceGenerator.businessDetails":"Business details","invoiceGenerator.yourBusinessNameAddressAnd":"Your business name, address, and contact information.","invoiceGenerator.clientDetails":"Client details","invoiceGenerator.thePersonOrCompanyResponsible":"The person or company responsible for payment.","invoiceGenerator.aUniqueNumberThatMakes":"A unique number that makes every invoice easy to track.","invoiceGenerator.issueAndDueDates":"Issue and due dates","invoiceGenerator.taxesAndDiscounts":"Taxes and discounts","invoiceGenerator.howAndWhereTheClient":"How and where the client should send payment.","invoiceGenerator.notesAndTerms":"Notes and terms","profitLoss.lineDescriptionLabel":"{category} description {number}","profitLoss.lineAmountLabel":"{category} amount {number}","profitLoss.removeLine":"Remove {category} line {number}","profitLoss.buildACleanPlIn":"Build a clean P&L in minutes. Add your revenue and expenses and get an instant, downloadable statement.","profitLoss.percentNetMargin":"{percent} percent net margin","profitLoss.downloadCsv":"Download CSV","profitLoss.aPlSummarizesRevenueDirect":"A P&L summarizes revenue, direct costs, and operating expenses over a specific period. It shows whether the business earned a profit or recorded a loss, and where the money went.","profitLoss.plAndCashFlowReporting":"P&L and cash flow reporting","profitLoss.resultStatement":"statement","profitLoss.moneyEarnedFromSalesOr":"Money earned from sales or services during the reporting period, before subtracting costs.","profitLoss.costOfGoodsSold":"Cost of goods sold","profitLoss.directCostsRequiredToDeliver":"Direct costs required to deliver what you sold, such as inventory, materials, or fulfillment.","profitLoss.costsThatKeepTheBusiness":"Costs that keep the business running, including rent, payroll, softw
1are, insurance, and marketing.","profitLoss.netProfitOrLoss":"Net profit or loss","profitLoss.whatRemainsAfterDirectCosts":"What remains after direct costs and operating expenses are subtracted from revenue.","profitLoss.isAProfitAndLoss":"Is a profit and loss statement the same as an income statement?","profitLoss.yesProfitAndLossStatement":"Yes. Profit and loss statement, P&L, and income statement commonly describe the same financial report showing revenue, expenses, and net income over a period.","profitLoss.howOftenShouldICreate":"How often should I create a P&L?","profitLoss.manyOwnersReviewAP":"Many owners review a P&L monthly and also prepare quarterly and annual versions. A regular schedule makes trends easier to spot and keeps records ready for taxes, lenders, and planning.","profitLoss.doServiceBusinessesNeedCost":"Do service businesses need cost of goods sold?","profitLoss.notAlwaysAServiceBusiness":"Not always. A service business may have no cost of goods sold, or it may include direct delivery costs such as contractors and job materials. Leave the section blank when it does not apply.","profitLoss.whatIsTheDifferenceBetween":"What is the difference between cash flow and profit?","profitLoss.profitMeasuresRevenueMinusRecognized":"Profit measures revenue minus recognized expenses for a period. Cash flow tracks when money actually enters and leaves the business. A profitable business can still have a cash shortage when customers pay late or large bills come due first.","profitLoss.canIUseThisStatement":"Can I use this statement for a loan application?","profitLoss.thePdfAndCsvCan":"The PDF and CSV can help organize your figures, but a lender may require a statement prepared or reviewed under specific accounting rules. Confirm the required format and documentation with the lender.","profitLoss.isThisAccountingOrTax":"Is this accounting or tax advice?","profitLoss.noThisToolPerformsSimple":"No. This tool performs simple arithmetic using the entries you provide. A qualified accountant or tax professional can determine the correct accounting method, timing, and categories for your business.","profitLoss.profitAndLossStatementGenerator":"Profit and Loss Statement Generator","profitLoss.buildAFreeProfitAnd":"Build a free profit and loss statement with live totals and PDF or CSV downloads.","profitLoss.unableToSendYourStatement":"Unable to send your statement","profitLoss.profitAndLossStatement":"Profit & Loss Statement","profitLoss.viewStatement":"View statement","profitLoss.buildYourStatement":"BUILD YOUR STATEMENT","profitLoss.turnYourBusinessActivityInto":"Turn your business activity into a clear P&L","profitLoss.pnlAssistant":"P&L assistant","profitLoss.askAboutCategoriesMarginsOr":"Ask about categories, margins, or what to discuss with an accountant.","profitLoss.hiICanHelpYou":"Hi! I can help you organize this profit and loss statement. Add your revenue and expenses, then ask about categories, totals, or questions to take to your accountant.","profitLoss.eGIsThisSoftware":"e.g. Is this software cost an operating expense?","profitLoss.aiGeneratedGuidanceConfirmAccounting":"AI generated guidance. Confirm accounting treatment with a qualified professional","profitLoss.reportingPeriodStarts":"Reporting period starts","profitLoss.reportingPeriodEnds":"Reporting period ends","profitLoss.revenueAndSales":"Revenue and sales","profitLoss.moneyEarnedBeforeSubtractingCosts":"Money earned before subtracting costs.","profitLoss.optionalForServiceBusinessesEnter":"Optional for service businesses. Enter direct delivery costs only.","profitLoss.costsThatKeepTheBusiness2":"Costs that keep the business running.","profitLoss.liveStatement":"LIVE STATEMENT","profitLoss.atAGlance":"At a glance","profitLoss.totalCosts":"Total costs","profitLoss.netResult":"Net result","profitLoss.keepACopyOfThis":"Keep a copy of this statement","profitLoss.letNovoBookkeepingDoThis":"Let Novo Bookkeeping do this","profitLoss.novoBookkeepingGeneratesYourP":"Novo Bookkeeping generates your P&Ls, tax reports, and cash flow automatically from your real transactions, free with your account.","profitLoss.novoBookkeepingBuildsYourP":"Novo Bookkeeping builds your P&L automatically","profitLoss.everyTransactionAutoCategorizedFor":"Every transaction auto categorized for you","profitLoss.theBusinessHealthSnapshot":"The business health snapshot","profitLoss.whatIsAProfitAnd":"What is a profit and loss statement?","profitLoss.youBuiltThisOneBy":"You built this one by hand","profitLoss.letNovoBookkeepingBuildThe":"Let Novo Bookkeeping build the next one","profitLoss.profitAndLossStatementQuestions":"Profit and loss statement questions","profitLoss.knowWhereYourBusinessStands":"Know where your business stands","profitLoss.freeProfitAndLossStatement":"Free Profit and Loss Statement Generator | Instant P&L Tool | Novo","profitLoss.buildAFreeProfitAnd2":"Build a free profit and loss statement with live totals, business specific categories, PDF and CSV downloads, and no signup required.","profitLoss.freeStatementBuilderForSmall":"Free statement builder for small businesses","profitLoss.pdfAndCsvDownloads":"PDF and CSV downloads","profitLoss.thePresetFillsInRelevant":"The preset fills in relevant categories. You can rename, add, or remove every line.","profitLoss.educationalBuilderOnlyThisStatement":"Educational builder only. This statement uses the figures and categories you enter and does not apply a specific accounting method or verify your records.","profitLoss.addRevenueThenEnterAt":"Add revenue, then enter at least one cost or expense to unlock downloads and email. Enter 0 if your business had no costs or expenses for this period.","profitLoss.novoBookkeepingCategorizesTransactionsAnd":"Novo Bookkeeping categorizes transactions and keeps Financial Insights current, so your profit and loss and top expenses are ready when you need them.","paymentSpeed.medianTimeToGetPaid":"Median time to get paid","paymentSpeed.75OfInvoicesPaidWithin":"75% of invoices paid within","paymentSpeed.paidWithin2Days":"Paid within 2 days","paymentSpeed.typicallyByCard":"Typically by card","paymentSpeed.paidAfterTheStatedDue":"Paid after the stated due date","paymentSpeed.howLongSmallBusinessesTake":"How Long Small Businesses Take to Get Paid (2026)","paymentSpeed.medianDaysToGetPaid":"Median days to get paid on an invoice for U.S. small businesses, by industry, from anonymized Novo invoicing data.","paymentSpeed.howLongDoesItTake":"How long does it take to get paid?","paymentSpeed.8Days":"8 days","paymentSpeed.24Days":"24 days","paymentSpeed.daysToGetPaidBy":"Days to get paid, by industry","paymentSpeed.getPaidFaster":"Get paid faster","paymentSpeed.invoiceInSecondsAndAccept":"Invoice in seconds and accept card and ACH payments, so money lands straight in y
1our business checking account.","paymentSpeed.howLongDoSmallBusinesses":"How Long Do Small Businesses Take to Get Paid? (2026 Data)","paymentSpeed.free2026DataTheMedian":"Free 2026 data: the median small business gets paid in 8 days. See days-to-get-paid by industry, from anonymized Novo invoicing data.","paymentSpeed.basedOnAnonymizedInvoicing":"Based on anonymized invoicing activity from small businesses on Novo, the median business gets paid in {days} â but it varies a lot by industry.","paymentSpeed.invoicesCreatedJanuary2026":"Invoices created January 2026 onward. âPaid lateâ reflects that many businesses set very short terms â even due on receipt.","paymentSpeed.medianDaysToGetPaidHeader":"Median days to get paid","paymentSpeed.percentPaidAfterDue":"% paid after due date","paymentSpeed.2026PaymentSpeedReport":"2026 Payment Speed Report","paymentSpeed.keywordDaysToGetPaid":"days to get paid","paymentSpeed.keywordInvoicePaymentTime":"invoice payment time","paymentSpeed.keywordLatePayments":"late payments","paymentSpeed.keywordAccountsReceivable":"accounts receivable","paymentSpeed.keywordSmallBusiness":"small business","pricingBenchmark.novoSmbPricingBenchmark2026":"Novo SMB Pricing Benchmark 2026","pricingBenchmark.medianJobInvoiceSizeAnd":"Median job/invoice size and hourly labor rates for U.S. small businesses across trades and professional services, by segment and region. Source: anonymized Novo invoicing data.","pricingBenchmark.tradesAndFieldServices":"Trades & field services","pricingBenchmark.regionalPriceIndex":"Regional price index","pricingBenchmark.runYourOwnNumbers":"Run your own numbers","pricingBenchmark.priceYourNextJobWith":"Price your next job with confidence, then invoice and get paid with a Novo business checking account.","pricingBenchmark.smallBusinessPricingBenchmark2026":"Small Business Pricing Benchmark 2026 â Trades & Professional Services","pricingBenchmark.free2026PricingBenchmarkMedian":"Free 2026 pricing benchmark: median job size and hourly rates for U.S. small businesses across trades and professional services, by segment and region. Based on anonymized Novo invoicing data.","pricingBenchmark.whatDoSmallBusinessesActually":"What do small businesses actually charge?","pricingBenchmark.aPricingBenchmarkBuiltFrom":"A pricing benchmark built from anonymized, aggregated invoicing activity by small businesses on Novo â covering both trades and field services, and professional services.","pricingBenchmark.indexBasedOnMedianInvoice":"Index based on median invoice line-item cost across all segments.","pricingBenchmark.typicalJobSizeLabor":"Typical job size & labor rates by segment","pricingBenchmark.mediansFromAnonymizedNovo":"Medians from anonymized Novo invoicing data, June 2026. âTypical jobâ is the median invoice total for that segment.","pricingBenchmark.howMedianPricingVaries":"How median pricing varies by U.S. Census region (national median = 1.00).","pricingBenchmark.segment":"Segment","pricingBenchmark.typicalJobMedian":"Typical job (median)","pricingBenchmark.typicalRangeP25P75":"Typical range (p25âp75)","pricingBenchmark.laborHr":"Labor / hr","pricingBenchmark.priceIndexUsMedian":"Price index (US median = 1.00)","pricingBenchmark.2026SmallBusinessPricing":"2026 Small Business Pricing Benchmark","pricingBenchmark.keywordSmallBusinessPricing":"small business pricing","pricingBenchmark.keywordContractorRates":"contractor rates","pricingBenchmark.keywordHourlyRates":"hourly rates","pricingBenchmark.keywordTrades":"trades","pricingBenchmark.keywordProfessionalServices":"professional services","pricingBenchmark.keywordInvoiceBenchmark":"invoice benchmark","toolsIndex.categoryEstimates":"Estimates","toolsIndex.categoryPricingData":"Pricing data","toolsIndex.categoryPaymentsData":"Payments data","toolsIndex.categoryTaxes":"Taxes","toolsIndex.createAnInvoice":"Create an invoice","toolsIndex.buildAnEstimate":"Build an estimate","toolsIndex.compareYourRates":"Compare your rates","toolsIndex.seeTheData":"See the data","toolsIndex.estimateYourSavings":"Estimate your savings","toolsIndex.createAProfessionalInvoiceAnd":"Create a professional invoice and download it as a PDF in minutes. Free, unlimited, and no signup or software required.","toolsIndex.buildAPolishedEstimateIn":"Build a polished estimate in seconds: pick a job type, add line items from a starter price book, and get AI help scoping and pricing the work.","toolsIndex.pricingBenchmark":"Pricing Benchmark","toolsIndex.seeWhatSmallBusinessesActually":"See what small businesses actually charge â median job sizes and hourly rates across trades and professional services, by segment and region.","toolsIndex.paymentSpeedReport":"Payment Speed Report","toolsIndex.howLongDoesItTake":"How long does it take to get paid? See days-to-get-paid by industry, based on anonymized invoicing activity from small businesses on Novo.","toolsIndex.sCorpVsLlcCalculator":"S Corp vs LLC Calculator","toolsIndex.estimateHowMuchYouCould":"Estimate how much you could save in self-employment and payroll taxes with an S corporation election versus default LLC tax treatment.","toolsIndex.freeSmallBusinessTools":"Free Small Business Tools","toolsIndex.freeSmallBusinessTools2":"Free small business tools","toolsIndex.bankingBuiltForSmallBusiness":"Banking built for small business","toolsIndex.theToolsAreFreeFor":"The tools are free for everyone. With a Novo account, estimates become invoices, payments land in your business checking account, and reserves set aside job costs and taxes.","toolsIndex.freeSmallBusinessToolsInvoicing":"Free Small Business Tools: Invoicing, Estimates, Pricing & Taxes","toolsIndex.freeToolsForSmallBusinesses":"Free tools for small businesses from Novo: invoice generator, job estimator, pricing benchmark, payment speed data, and an S Corp vs LLC tax calculator. No signup required.","toolsIndex.priceTheWorkBillYour":"Price the work, bill your customers, and know your numbers â five free tools built by Novo. No signup required.","jobEstimator.editPrices":"Edit prices","jobEstimator.editEstimate":"Edit estimate","jobEstimator.addAtLeastOneLine":"Add at least one line item to generate an estimate.","jobEstimator.failedToSendEstimate":"Failed to send estimate","jobEstimator.offeringUpsellsIsOneOf":"Offer
1ing upsells is one of the biggest ways to grow ticket size.","jobEstimator.serviceCall":"Service call","jobEstimator.waterHeater40Gal":"Water heater (40-gal)","jobEstimator.labor":"Labor","jobEstimator.selectAJob":"Select a job","jobEstimator.jobDetails":"Job details","jobEstimator.lineItems":"Line items","jobEstimator.searchPriceBook":"Search price bookâ¦","jobEstimator.recommendedAddOns":"Recommended add-ons","jobEstimator.markupMarginOptional":"Markup / margin % (optional)","jobEstimator.buildAProfessionalEstimateIn":"Build a professional estimate in seconds. Pick a job, add line items, and generate a quote.","quoteEstimator.startWithAnIllustrative":"Start with an illustrative {trade} cost, then edit it to match your business. These are estimated costs, not customer prices.","quoteEstimator.editQuote":"Edit quote","quoteEstimator.selectATradeBefore":"Select a trade before previewing your quote.","quoteEstimator.addAtLeastOnePriced":"Add at least one priced line item to preview your quote.","quoteEstimator.failedToSendQuote":"Failed to send quote","quoteEstimator.marginIsYourProfitAs":"Margin is your profit as a percentage of the final price.","quoteEstimator.markupIsYourProfitAs":"Markup is your profit as a percentage of your cost.","quoteEstimator.quoteEstimatorBuildAProfessional":"Quote Estimator: Build a Professional Quote | Novo","quoteEstimator.asOfYourPriceMargin":"As % of your price (margin)","quoteEstimator.asOfYourCostMarkup":"As % of your cost (markup)","quoteEstimator.whatShouldAProfessionalQuote":"What should a professional quote include?","quoteEstimator.aClearQuoteNormallyIncludes":"A clear quote normally includes your business name, customer name, scope of work, itemized labor and materials, taxes, total price, and any terms or expiration date that apply.","quoteEstimator.whatIsTheDifferenceBetween":"What is the difference between margin and markup?","quoteEstimator.marginMeasuresProfitAsA":"Margin measures profit as a percentage of the final price. Markup measures profit as a percentage of your cost. The same percentage produces different quote totals, so choose the method your business uses consistently.","quoteEstimator.isAQuoteLegallyBinding":"Is a quote legally binding?","quoteEstimator.thatDependsOnTheWording":"That depends on the wording, local law, and whether the customer accepts it. Clearly state what is included, how long pricing is valid, and how changes will be approved. Ask a qualified legal professional about your specific contracts.","quoteEstimator.shouldIAddTaxTo":"Should I add tax to a service quote?","quoteEstimator.salesTaxRulesVaryBy":"Sales tax rules vary by location and by the products or services you sell. This calculator applies the rate you enter to the entire customer price before tax. Confirm which parts of your quote are taxable with your state or local tax authority or a qualified tax professional before sending it.","quoteEstimator.canIChangeTheSuggested":"Can I change the suggested costs?","quoteEstimator.yesTheTradePresetsAre":"Yes. The trade presets are illustrative cost starting points, not customer prices. Add a suggested item, then edit its description, quantity, and unit cost to match your business. The calculator applies your selected margin or markup to those costs.","quoteEstimator.canNovoTurnThisQuote":"Can Novo turn this quote into an invoice?","quoteEstimator.novoCustomersCanCreateUnlimited":"Novo customers can create unlimited invoices, accept card or ACH payments, and organize incoming payments in the same business account. Use the emailed quote as your starting point when the customer approves the work.","quoteEstimator.quoteEstimator":"Quote Estimator","quoteEstimator.buildAProfessionalServiceQuote":"Build a professional service quote with trade pricing presets, editable line items, margin or markup, and tax.","quoteEstimator.closeQuotePreview":"Close quote preview","quoteEstimator.pickYourTrade":"Pick your trade","quoteEstimator.quoteAssistant":"Quote assistant","quoteEstimator.askPricingQuestionsOrGet":"Ask pricing questions or get suggested line items for your quote.","quoteEstimator.hiICanHelpYou":"Hi! I can help you scope and price this quote. Pick a trade below, then ask about line items, pricing, or questions for your customer.","quoteEstimator.eGWhatShouldI":"e.g. What should I include for a water heater replacement?","quoteEstimator.trade":"Trade","quoteEstimator.aiGeneratedGuidanceCheckPrices":"AI generated guidance. Check prices against your local rates","quoteEstimator.quoteDetails":"Quote details","quoteEstimator.addLineItems":"Add line items","quoteEstimator.estCost":"Est. cost","quoteEstimator.unitCost":"Unit cost","quoteEstimator.cost":"Cost","quoteEstimator.profitAndTax":"Profit and tax","quoteEstimator.howYouAddProfit":"How you add profit","quoteEstimator.marginPercent":"Margin %","quoteEstimator.markupPercent":"Markup %","quoteEstimator.estimatedProfitFromMargin":"Estimated profit from margin","quoteEstimator.estimatedProfitFromMarkup":"Estimated profit from markup","quoteEstimator.taxOnEntirePretaxQuote":"Tax % on entire pretax quote","quoteEstimator.estimatedCostSubtotal":"Estimated cost subtotal","quoteEstimator.customerPriceBeforeTax":"Customer price before tax","quoteEstimator.taxOnEntirePretaxQuote2":"Tax on entire pretax quote","quoteEstimator.previewQuoteAndGetA":"Preview quote and get a copy","quoteEstimator.quoteEstimatorQuestions":"Quote estimator questions","quoteEstimator.createAProfessionalServiceQuote":"Create a professional service quote with trade pricing presets, editable line items, margin or markup, and tax. Free with no signup.","quoteEstimator.buildAProfessionalQuoteIn":"Build a professional quote in seconds. Pick your trade, add line items, and generate a quote.","quoteEstimator.pickATradeToSee":"Pick a trade to see illustrative cost suggestions.","quoteEstimator.taxIsAppliedToThe":"Tax is applied to the entire customer price before tax. Confirm which products and services are taxable in your location.","invoiceGenerator.methodAchTransfer":"ACH transfer","invoiceGenerator.methodCheck":"Check","invoiceGenerator.methodCard":"Card","invoiceGenerator.methodPaypal":"PayPal","assist.name":"Novo Assist","assist.chatTitle":"Novo Assist Chat","assist.searching":"Searching","assist.thinking":"Thinking","assist.startConversation":"Start conversation for","assist.genericError":"Something went wrong","assist.tryAgain":"Try again","assist.askPlaceholder":"Ask us anything...","assist.searchPlaceholder":"Search for anything...","assist.defaultTr
1igger":"Start a Novo application?","assist.back":"Back","assist.date":"Date","assist.copyLink":"Copy link","assist.linkCopied":"Link copied","assist.shareOn":"Share on {network}","assist.aiMode.trigger":"AI Mode","assist.aiMode.greeting":"What do you want to know about Novo?","assist.aiMode.placeholder":"Ask anything about Novoâ¦","assist.aiMode.back":"Back to site","email.cta.openAccountLine":"Open an account: {url}","email.estimate.subject":"Your {document} from {business}","email.estimate.subjectNumbered":"Your {document} from {business} ({number})","email.estimate.textPreparedFor":"Prepared for {customer}","email.estimate.textDocNumber":"{document} #{number}","email.estimate.textCtaHeading":"WITH A NOVO ACCOUNT","email.estimate.toolName":"Novo {document} Estimator","email.estimate.footerEstimate":"This estimate was generated with the {link}. Turn it into an invoice and get paid by card or ACH with a Novo account.","email.estimate.footerQuote":"This quote was generated with the {link}. Turn it into an invoice and get paid by card or ACH with a Novo account.","email.estimate.textFooter"
1:"Generated with the {tool}: {url}","email.loan.subject":"Your business loan payment estimate","email.loan.eyebrow":"Novo business loan calculator","email.loan.heading":"Your estimated payment","email.loan.totalRepaymentLine":"Total repayment {amount}","email.loan.ctaTitle":"Build your business banking history","email.loan.ctaDescription":"Novo customers may become eligible for fast funding after six months of active account history.","email.loan.rowPaymentEvery":"Payment every {period}","email.loan.rowMonthlyEquivalent":"Monthly payment equivalent","email.loan.rowRevenueShare":"Payment share of gross revenue","email.loan.disclaimer":"Planning estimate only. Actual payments and APR can differ due to fees, compounding, payment timing, and lender terms. A payment share of gross revenue is not an affordability decision or debt service coverage ratio.","email.loan.textDisclaimer":"Planning estimate only. A payment share of gross revenue is not an affordability decision or debt service coverage ratio.","email.loan.toolName":"Novo Business Loan Calculator","email.loan.termUnit.years":"years","email.loan.termUnit.months":"months","email.loan.freq.monthly":"Monthly","email.loan.freq.biweekly":"Every two weeks","email.loan.freq.weekly":"Weekly","email.loan.period.monthly":"month","email.loan.period.biweekly":"two weeks","email.loan.period.weekly":"week","email.valuation.subject":"Your estimated business valuation range","email.valuation.eyebrow":"Novo business valuation calculator","email.valuation.heading":"Your estimated range","email.valuation.range":"{low} to {high}","email.valuation.midpoint":"Midpoint {amount}","email.valuation.textMidpoint":"Midpoint: {amount}","email.valuation.rowTrend":"Revenue trend","email.valuation.rowMultiple":"Industry earnings multiple range","email.valuation.disclaimer":"This directional estimate is not a certified appraisal, offer, or guarantee of sale price. A qualified appraiser can evaluate comparable sales, assets, liabilities, market conditions, and business specific risk.","email.valuation.toolName":"Novo Business Valuation Calculator","email.valuation.industry.service":"Service business","email.valuation.industry.agency":"Agency or consulting","email.valuation.industry.ecommerce":"Ecommerce or online business","email.valuation.industry.retail":"Retail business","email.valuation.industry.food":"Food or restaurant","email.valuation.industry.trades":"Construction or skilled trade","email.valuation.industry.health":"Health, fitness, or wellness","email.valuation.industry.technology":"Technology or software","email.valuation.industry.other":"Other small business","email.valuation.trend.declining":"Declining","email.valuation.trend.steady":"About the same","email.valuation.trend.growing":"Growing","email.fee.subject":"Your credit card processing fee estimate","email.fee.eyebrow":"Novo processing fee calculator","email.fee.heading":"Your estimated processing cost","email.fee.effectiveRate":"Estimated effective rate {rate}","email.fee.textEffectiveRate":"Estimated effective rate: {rate}","email.fee.ctaTitle":"See your real take home pay","email.fee.ctaDescription":"Track processor payouts and categorize processing fees so your net revenue stays clear.","email.fee.ctaBenefitPayouts":"Stripe, Square, and PayPal payouts stay organized","email.fee.ctaBenefitExpenses":"Processing fees can be categorized as expenses","email.fee.rowChannel":"Sales channel","email.fee.rowTransactions":"Estimated transactions","email.fee.rowPercentageRate":"Modeled percentage rate","email.fee.rowMonthlyFees":"Estimated monthly fees","email.fee.rowAnnualFees":"Estimated annual fees","email.fee.rowEffectiveRate":"Estimated effective rate","email.fee.disclaimer":"The 1.5% to 3.5% reference range applies to the modeled percentage rate, not the all in effective rate. Fixed fees and charges not entered here can raise the actual effective rate.","email.fee.textDisclaimer":"The 1.5% to 3.5% reference range applies to the modeled percentage rate, not the all in effective rate.","email.fee.toolName":"Novo Credit Card Processing Fee Calculator","email.fee.textRevisit":"Revisit your result: {url}","email.pnl.subject":"{business} profit and loss statement","email.pnl.period":"{start} to {end}","email.pnl.titleWithPeriod":"Profit and Loss Statement · {period}","email.pnl.textTitleWithPeriod":"Profit and Loss Statement: {period}","email.pnl.otherItem":"Other","email.pnl.totalCogs":"Total COGS","email.pnl.visit":"Visit {link} to open your free account","email.pnl.toolName":"Novo Profit and Loss Statement tool","email.pnl.return":"Return to the {link}","email.pnl.textReturn":"Return to the {tool}: {url}","email.setax.subject":"Your {year} regular Schedule SE tax estimate","email.setax.eyebrow":"Novo self employment tax calculator","email.setax.heading":"Your regular Schedule SE tax estimate","email.setax.taxYear":"Tax year {year}","email.setax.ctaTitle":"Give tax money its own place","email.setax.ctaDescription":"Create a dedicated Novo Reserve for taxes and keep set aside money separate from operating cash.","email.setax.rowNetEarnings":"Net earnings at 92.35%","email.setax.rowW2Wages":"Form W2 box 3 wages","email.setax.rowSocialSecurity":"Social Security tax","email.setax.rowMedicare":"Medicare tax","email.setax.rowTotalTax":"Regular Schedule SE tax","email.setax.rowQuarterly":"One fourth of annual SE tax","email.setax.rowSetAside":"Average {frequency} set aside","email.setax.disclaimer":"Regular Schedule SE estimate only. Federal and state income tax, credits, withholding, and Additional Medicare Tax are not included. Set aside figures are full year averages and are not complete Form 1040 ES payments.","email.setax.textDisclaimer":"Regular Schedule SE estimate only. Income tax and Additional Medicare Tax are not included.","email.setax.toolName":"Novo Self Employment Tax Calculator","email.setax.freq.12":"Monthly","email.setax.freq.24":"Twice a month","email.setax.freq.26":"Every two weeks","email.setax.freq.52":"Weekly"},es:{"action.remove":"Eliminar","action.loadMore":"Cargar más","action.learnMore":"Conoce más","action.clearAll":"Borrar todo","action.close":"Cerrar","action.closeVideo":"Cerrar el video","action.search":"Buscar","action.searchTheSite":"Buscar en el sitio","action.chat":"Chat","action.accept":"Aceptar","action.downloadOnStore":"Descargar en {store}","action.reject":"Rechazar","action.scrollDown":"Desplazarse hacia abajo","action.scrollLeft":"Desplazarse a la izquierda","action.scrollRight":"Desplazarse a la derecha","action.skipToMainContent":"Saltar al contenido principal","action.switchLanguage":"Cambiar a {language}","action.button":"Botón","empty.noMatch":"No se encontraron resultados. Intenta de nuevo con otros filtros.","seo.defaultTitle":"Banca empresarial para negocios independientes","seo.defaultDescription":"Novo es banca empresarial creada para negocios independientes: cobra, mueve tu dinero y administra tu flujo de efectivo con una cuenta de cheques empresarial gratuita y una plataforma diseña
1da para ti.","language.en":"English","language.es":"Español","filter.type":"Tipo","filter.category":"CategorÃa","filter.sortBy":"Ordenar por","filter.sortCards":"Ordenar tarjetas","sort.publishDesc":"Fecha de publicación (más reciente primero)","sort.publishAsc":"Fecha de publicación (más antigua primero)","sort.titleAsc":"TÃtulo A-Z","sort.titleDesc":"TÃtulo Z-A","articleType.community":"Comunidad","articleType.blog":"Blog","filter.articleFilters":"Filtros de artÃculos","filter.topicFilters":"Filtros de temas","filter.nameFilter":"Filtro de {label}","filter.nameOptions":"Opciones de {label}","field.askNovoAssist":"Pregúntale a Novo Assist","region.language":"Idioma","region.accountActions":"Acciones de la cuenta","region.breadcrumb":"Ruta de navegación","region.callout":"Destacado","region.customerTags":"Etiquetas del cliente","region.disclaimer":"Descargo de responsabilidad","region.footerUtilities":"Utilidades y descargas del pie de página","region.helpNavigation":"Navegación de ayuda","region.helpSideNavigation":"Navegación lateral de ayuda","region.legalNotice":"Aviso legal","region.narrativeCarousel":"Carrusel de narrativa","region.novoHomepage":"Página de inicio de Novo","region.openHelpNavigation":"Abrir el menú de navegación de ayuda","region.closeHelpNavigation":"Cerrar la navegación de ayuda","region.openPositions":"Vacantes disponibles","region.pagination":"Paginación","region.toggleNavigation":"Abrir o cerrar la navegación","region.primaryNavDesktop":"Navegación principal, computadora","region.primaryNavMobile":"Navegación principal, móvil","region.testimonials":"Sección de testimonios","region.testimonialsCarousel":"Carrusel de testimonios","region.video":"Video","region.helpListingSideNav":"Navegación lateral de listado de ayuda","region.youtubePlayer":"Reproductor de video de YouTube","a11y.carouselFor":"Carrusel de {name}","a11y.carouselForSection":"Carrusel de {name} (sección {index})","a11y.paginationFor":"Paginación de {name}","a11y.topicPackageCarousel":"Carrusel de paquete de temas","a11y.accordionTabNav":"Navegación por pestañas de acordeón: {name}","a11y.accordionTabNavSection":"Navegación por pestañas de acordeón, {name} (sección {index})","a11y.stickyTabNav":"Navegación por pestañas vinculada al desplazamiento: {name}","a11y.stickyTabNavSection":"Navegación por pestañas vinculada al desplazamiento, {name} (sección {index})","a11y.skipPast":"Saltar {name}","a11y.opensInNewTab":"{label} (se abre en una pestaña nueva)","gallery.fallbackHeading":"GalerÃa","verticalGrid.businessExpenses":"Gastos comerciales","verticalGrid.bestBankFor":"Mejor banco para","comparison.features":"CaracterÃsticas","comparison.traditionalBanks":"Bancos tradicionales","preview.mode":"Modo de vista previa","preview.notice":"Estás en modo de vista previa.","preview.exit":"Salir del modo de vista previa","shared.unit.perMonth":" / mes","shared.brand.novo":"Novo","shared.chat.sendMessage":"Enviar mensaje","shared.cta.acceptCardAch":"Acepta pagos con tarjeta y ACH en lÃnea","shared.cta.addLine":"Agregar lÃnea","shared.cta.allocateAutomatically":"Asigna el dinero entrante automáticamente","shared.cta.builtForFreelancers":"Diseñado para freelancers y pequeños negocios","shared.cta.builtForFreelancersLikeYou":"Diseñado para freelancers y dueños de pequeños negocios como tú","shared.cta.builtForIndependent":"Diseñado para negocios independientes","shared.cta.builtForIndependentWork":"Diseñado para el trabajo independiente","shared.cta.dataStaysInBrowser":"Tus datos permanecen en tu navegador","shared.cta.emailMyResults":"Enviar mis resultados","shared.cta.emailMyResultsCaps":"ENVIAR MIS RESULTADOS","shared.cta.estimateIntoHabit":"Convierte el estimado en un hábito","shared.cta.exploreBookkeeping":"Explora Novo Contabilidad","shared.cta.exploreReservesAndAllocation":"Explora Reserves y Asignación","shared.cta.expenseCategorization":"Categorización automática de gastos","shared.cta.invoiceReminders":"Recordatorios automáticos de facturas enviados a los clientes","shared.cta.invoiceSmarter":"Factura de forma más inteligente, cobra más rápido.","shared.cta.noEmailRequired":"No se requiere correo electrónico","shared.cta.noHiddenFees":"Sin cargos ocultos, sin tarifas mensuales, sin mÃnimos","shared.cta.noLoginRequired":"No se requiere iniciar sesión","shared.cta.noMonthlyFeeOrMinimum":"Sin tarifa mensual ni saldo mÃnimo","shared.cta.noMonthlyFees":"Sin tarifas mensuales ni saldo mÃnimo","shared.cta.noSignupRequired":"No se requiere registro","shared.cta.openAccount":"Abrir cuenta","shared.cta.openNovoBanking":"Abre Novo para banca empresarial con transacciones organizadas, contabilidad integrada y reportes que se mantienen actualizados.","shared.cta.quotingAJob":"¿Estás cotizando un trabajo? Prueba el {link} gratis.","shared.cta.savedInBrowser":"Guardado en tu navegador","shared.cta.sending":"Enviando...","shared.cta.startOver"
1:"Empezar de nuevo","shared.cta.transactionSyncing":"Sincronización de transacciones de cuentas externas","shared.cta.turnQuoteIntoInvoice":"Convierte esta cotización en una factura, cobra con tarjeta o ACH y observa tus ganancias en tiempo real.","shared.cta.unlimitedInvoicesEstimates":"Facturas y presupuestos ilimitados, gratis","shared.cta.unlimitedInvoicesQuotes":"Facturas y cotizaciones ilimitadas","shared.cta.withNovoAccount":"Con una cuenta Novo","shared.doc.downloadPdf":"Descargar PDF","shared.doc.amount":"Monto","shared.doc.businessAddress":"Dirección del negocio","shared.doc.clientAddress":"Dirección del cliente","shared.doc.clientEmail":"Correo electrónico del cliente","shared.doc.currency":"Moneda","shared.doc.description":"Descripción","shared.doc.discount":"Descuento","shared.doc.dueDate":"Fecha de vencimiento","shared.doc.estimate":"Presupuesto","shared.doc.issueDate":"Fecha de emisión","shared.doc.notes":"Notas","shared.doc.paymentInstructions":"Instrucciones de pago","shared.doc.paymentTerms":"Condiciones de pago","shared.doc.quote":"Cotización","shared.doc.tax":"Impuesto","shared.doc.taxPercent":"Impuesto %","shared.disclaimer.valuationDirectional":"Esta estimación direccional no es una tasación certificada, una oferta ni una garantÃa de precio de venta.","shared.doc.yourBusiness":"Tu negocio","shared.email.onItsWay":"Tu {result} está en camino.","shared.email.revisitEstimate":"Revisa tu estimado con la {link}.","shared.email.revisitEstimateText":"Revisa tu estimado: {url}","shared.email.revisitResult":"Revisa tu resultado con la {link}.","shared.entity.defaultLlcTag":"Tratamiento fiscal predeterminado de LLC","shared.entity.reviewSalary":"Revisa tu suposición salarial.","shared.error.generic":"Algo salió mal. Por favor, inténtalo de nuevo.","shared.error.sendEmail":"No se pudo enviar el correo electrónico","shared.error.sendResults":"No se pudieron enviar tus resultados","shared.faq.isTaxAdvice"
1:"¿Esta calculadora es asesoramiento fiscal?","shared.faq.title":"Preguntas frecuentes","shared.fee.averageTransaction":"Monto promedio por transacción","shared.fee.customPricing":"Precios personalizados","shared.fee.monthlySales":"Ventas mensuales con tarjeta","shared.fee.notIncluded":"No incluido","shared.fee.ownRate":"Mi propia tasa","shared.fee.percentageFees":"Tarifas porcentuales","shared.fee.perTransaction":"Comisión por transacción","shared.fee.transactionFees":"Tarifas por transacción","shared.fee.processor":"Procesador","shared.form.companyWebsite":"Sitio web de la empresa","shared.form.businessName":"Nombre del negocio","shared.form.businessType":"Tipo de negocio","shared.form.customerName":"Nombre del cliente","shared.form.emailAddress":"Correo electrónico","shared.form.emailConsent":"Al proporcionar tu correo electrónico, aceptas que Novo te envÃe correos electrónicos ocasionales.","shared.form.emailConsentInline":"Al proporcionar tu correo electrónico, aceptas que Novo te envÃe correos electrónicos ocasionales","shared.form.emailPlaceholder":"[email protected]","shared.form.invalidEmail":"Ingresa una dirección de correo electrónico válida.","shared.form.invalidEmailInline":"Ingresa un correo electrónico válido","shared.form.jobDescription":"Descripción del trabajo","shared.form.whatKindOfBusiness":"¿Qué tipo de negocio es este?","shared.industry.accounting":"Contabilidad, Registro Contable e Impuestos","shared.industry.advertising":"Publicidad y Marketing","shared.industry.appliance":"Reparación de Electrodomésticos y Equipos","shared.industry.architecture":"Arquitectura e IngenierÃa","shared.industry.cleaning":"Limpieza y Mantenimiento","shared.industry.concrete":"Concreto, AlbañilerÃa y Otros Oficios","shared.industry.consulting":"ConsultorÃa","shared.industry.design":"Diseño y Creatividad","shared.industry.electrical":"Electricidad","shared.industry.generalConstruction":"Construcción General y Remodelación","shared.industry.heavyCivil":"Construcción Pesada y Civil","shared.industry.hvacPlumbing":"Climatización y PlomerÃa","shared.industry.itSoftware":"Servicios de TI y Software","shared.industry.landscaping":"Paisajismo y Cuidado de Jardines","shared.industry.legal":"Servicios Legales","shared.industry.otherProfessional":"Otros Servicios Profesionales y Creativos","shared.industry.painting":"Pintura, Pisos y Acabados","shared.industry.pestControl":"Control de Plagas","shared.industry.roofing":"Techos, Revestimiento y Exteriores","shared.industry.security":"Seguridad y CerrajerÃa","shared.industry.septic":"Servicios Sépticos, Residuos y Remediación","shared.jsonLd.requiresJavaScript":"Requiere JavaScript","shared.label.charts":"gráficos","shared.label.email":"Correo electrónico","shared.label.industry":"Industria","shared.label.invoicing":"Facturación","shared.label.professionalServices":"Servicios profesionales","shared.label.regi
1on":"Región","shared.label.tables":"tablas","shared.legal.citation":"Novo Platform Inc., â{title},â {url}.","shared.legal.citationJsonLd":'Novo Platform Inc., "{title}," {url}.',"shared.legal.copyright":"Copyright © 2026 Novo Platform Inc. Datos con licencia CC BY 4.0.","shared.legal.fintechDisclosure":"Novo es una fintech, no un banco. Los servicios bancarios son proporcionados por Middlesex Federal Savings, F.A., Miembro de la FDIC.","shared.legal.licenseReuse":"Licencia y reutilización","shared.legal.reuseParagraph":"Los datos, {items} y cifras de este informe están bajo la licencia {license}. Usted es libre de compartir, adaptar y usar estos datos, incluso con fines comerciales, siempre que dé el crédito apropiado a Novo Platform Inc. y enlace a esta página.","shared.legal.suggestedCitation":"Citación sugerida:","shared.loan.amount":"Monto del préstamo","shared.loan.annualRate":"Tasa de interés anual","shared.loan.frequency":"Frecuencia de pago","shared.loan.numberOfPayments":"Número de pagos","shared.loan.term":"Plazo de reembolso","shared.loan.totalInterest":"Intereses totales","shared.loan.totalRepayment":"Reembolso total","shared.money.perMonth":" al mes","shared.money.perMonthLine":"{amount} al mes","shared.pnl.cogs":"Costo de entregar lo que vendiste (COGS)","shared.pnl.endDate":"Fecha de fin","shared.pnl.grossProfit":"Ganancia bruta","shared.pnl.netProfit":"Ganancia neta","shared.pnl.netLoss":"Pérdida neta","shared.pnl.operatingExpenses":"Gastos operativos","shared.pnl.promotionalCopy":"Creado con Novo. Novo Bookkeeping puede generar estados de pérdidas y ganancias (P&L) automáticamente a partir de tus transacciones comerciales.","shared.pnl.promotionalCta":"Visita www.novo.co para abrir tu cuenta gratuita","shared.pnl.revenue":"Ingresos","shared.pnl.startDate":"Fecha de inicio","shared.pnl.cogsShort":"Costo de Ventas","shared.pnl.operatingExpense":"Gasto operativo","shared.pnl.periodEnd":"Fin","shared.pnl.periodStart":"Inicio","shared.pnl.totalCogs":"Costo total de ventas","shared.pnl.title":"Estado de Pérdidas y Ganancias","shared.pnl.totalExpenses":"Gastos operativos totales","shared.pnl.totalRevenue":"Ingresos totales","shared.report.ccBy40":"Creative Commons Atribución 4.0 Internacional (CC BY 4.0)","shared.report.data2026":"Datos de 2026","shared.report.dataSource":"Fuente de datos: actividad de facturación de Novo anonimizada y agregada (a junio de 2026). Las cifras son medianas y orientativas, no constituyen asesoramiento financiero.","shared.result.yourBusiness":"TU NEGOCIO","shared.result.yourEstimate":"TU ESTIMACIÃN","shared.sample.businessName":"North Star Studio","shared.sample.businessPlaceholder":"Ej. Apex Plumbing Co.","shared.sample.customerPlaceholder":"Ej. Maria Gonzalez","shared.sample.invoiceNumber":"INV-1001","shared.sample.jobPlaceholder":"Ej. Reemplazar calentador de agua de 40 galones","shared.section.sourcesAssumptions":"Fuentes y suposiciones","shared.setax.irsLink":"Impuesto sobre el trabajo por cuenta propia del IRS","shared.setax.deduction":"Puede reducir el ingreso imponible en","shared.setax.netProfit":"Ganancia neta ingresada","shared.step.fourOfFour":"Paso 4 de 4","shared.step.oneOfFour":"Paso 1 de 4","shared.step.threeOfFour":"Paso 3 de 4","shared.step.twoOfFour":"Paso 2 de 4","shared.tool.invoiceGenerator":"Generador de facturas","shared.tool.jobEstimator":"Estimador de trabajos","shared.tool.jobEstimatorInline":"estimador de trabajos","shared.usRegion.midwest":"Medio Oeste","shared.usRegion.northeast":"Noreste","shared.usRegion.south":"Sur","shared.usRegion.west":"Oeste","shared.valuation.addBacks":"Ajustes del propietario","shared.valuation.annualProfit":"Ganancia anual","shared.valuation.annualRevenue":"Ingresos anuales","shared.valuation.ctaBenefitBooks":"Novo Bookkeeping mantiene tus libros listos para la valoración","shared.valuation.ctaDescription":"Un negocio solo vale lo que muestran sus libros. Novo Bookkeeping mantiene los tuyos limpios y precisos automáticamente.","shared.valuation.ctaTitle":"Conoce tus números, siempre","shared.valuation.sde":"Ganancias discrecionales del vendedor","doc.invoice":"Factura","doc.itemsAndLabor":"ArtÃculos y mano de obra","doc.markup":"Recargo","doc.margin":"Margen","doc.subtotal":"Subtotal","doc.shipping":"EnvÃo","doc.priceBeforeTax":"Precio antes de impuestos","doc.total":"Total","doc.unitPrice":"Precio unitario","doc.rate":"Tarifa","doc.generateEstimate":"Generar presupuesto â","doc.yourBusiness":"Tu Negocio","doc.preparedFor":"Preparado para","doc.customer":"Cliente","doc.tradeDocument":"{document} de {trade}","doc.documentNumber":"{document} n.º","lineItem.fallbackName":"Partida","lineItem.placeholder":"Servicio o producto","lineItem.nthDescription":"Descripción de la partida {index}","lineItem.nthQuantity":"Cantidad de la partida {index}","lineItem.nthRate":"Tarifa de la partida {index}","lineItem.nthPlaceholder":"Partida {index}","lineItem.remove":"Eliminar partida {index}","lineItem.delete":"Eliminar artÃculo","lineItem.addRow":"Agregar partida","lineItem.item":"ArtÃculo","lineItem.qty":"Cant.","lineItem.quantity":"Cantidad","lineItem.emptyState":"TodavÃa no hay partidas. Usa el libro de precios o «Agregar partida» para empezar.","lineItem.priceFor":"Precio unitario de {name}","lineItem.add":"Agregar {name}","invoicePreview.region":"Vista previa de la factura","invoicePreview.clientName":"Nombre del cliente","invoicePreview.from":"De","invoicePreview.billTo":"Facturar a","invoicePreview.createdWithNovoGetA":"Creado con Novo. Obtén una cuenta de cheques comercial gratuita y más herramientas como esta en www.novo.co","number.decrease":"Dism
1inuir","number.increase":"Aumentar","trade.customPlaceholder":"O escribe cualquier otro trabajo â ej. catering, fotografÃa, tutorÃasâ¦","trade.customLabel":"Tipo de trabajo personalizado","trade.submit":"Enviar","lead.name":"Nombre","lead.title":"¿Quieres que te enviemos este {document} por correo electrónico?","lead.subtitle":"Danos tu correo electrónico y te enviaremos una copia, además de cómo cobrarlo con Novo.","lead.submit":"EnvÃame este {document} por correo electrónico â","lead.sending":"Enviandoâ¦","lead.sent":"Enviado. Revisa tu bandeja de entrada para ver el {document}.","lead.error":"Algo salió mal. Por favor, inténtalo de nuevo en un momento.","priceBook.emptyState":"Ningún artÃculo coincide con tu búsqueda. Usa «Agregar partida» para crear uno personalizado.","accountCta.description":"Convierte este presupuesto en una factura, cobra con tarjeta o ACH, y observa tus ganancias en tiempo real.","accountCta.benefit2":"Facturas y presupuestos ilimitados","accountCta.benefit3":"Reserves para apartar los costos del trabajo e impuestos como un profesional","accountCta.benefit4":"Asistencia bancaria con IA personalizada","accountCta.title":"Factura de forma más inteligente, cobra más rápido","accountCta.cta":"Abrir una cuenta","chat.assistantTitle":"Asistente de presupuestos","chat.selectionLabel":"Trabajo","chat.footerNote":"Orientación generada por IA â compara precios con tus tarifas locales","chat.limitReached":"LÃmite de mensajes alcanzado","chat.inputLabel":"EnvÃa un mensaje al asistente de presupuestos","chat.assistantHint":"Haz preguntas sobre precios u obtén sugerencias de partidas para tu trabajo.","chat.placeholder":"Ej. ¿Cuánto debo cobrar por el cambio de un calentador de agua?","chat.greeting":"¡Hola! Puedo ayudarte a definir el alcance y el precio de este trabajo. Elige un tipo de trabajo a continuación o describe la tarea, y te sugeriré partidas, precios y qué preguntarle a tu cliente.","chat.limitNotice":"Has alcanzado el lÃmite de 30 mensajes para este asistente gratuito. Para seguir trabajando en los detalles, continúa con un asistente como ChatGPT o Claude, luego trae los números aquà para finalizar el presupuesto y enviar la factura.","chat.usage":"{used} de {limit} mensajes gratuitos usados.","chat.upgrade":"â abre una cuenta para uso ilimitado","chat.selected":"{label} seleccionado: {value}","review.channelText":"Texto","review.message":"¡Hola {firstName}! Gracias por elegir {business}. Nos encantarÃa una reseña rápida de 5 estrellas â realmente ayuda a un pequeño negocio como el nuestro. Toca aquÃ: g.page/r/review","review.sentVia":"Enviado vÃa {channel} · impulsado por Novo","review.title":"Después del trabajo â pide una reseña de 5 estrellas","review.subtitle":"Gana tu próximo trabajo","review.hint":"Más reseñas = más trabajo entrante. EnvÃa una solicitud de reseña en el momento en que el trabajo esté terminado y pagado.","review.sendVia":"Enviar vÃa","review.send":"Enviar solicitud de reseña â","review.fallbackName":"ahÃ","review.fallbackBusiness":"tu negocio","deposit.title":"Solicita un depósito para reservar el trabajo","deposit.percentage":"Porcentaje del depósito","deposit.dueNow":"Depósito a pagar ahora","deposit.accountHint":"Los depósitos llegan directamente a tu cuenta Novo. Cubre los costos iniciales antes de comenzar.","deposit.approveWithNovo":"Aprobar y cobrar el depósito con Novo","chat.noAnswer":"Lo siento, no pude encontrar una respuesta.","entity.afterCosts":"Después de los costos estimados","entity.selfEmploymentTaxes":"Impuestos de autoempleo","entity.salaryPlusDistributions":"Salario más distribuciones","entity.howItGetsThere":"Cómo se llega a la estimación","entity.payYourself":"¿Cuánto debo pagarme?","entity.estimatedResult":"RESULTADO ESTIMADO {year}","entity.perYear":"al año","entity.salaryHelper":"Asistente de salario razonable","entity.estimatedEmploymentTax":"Impuesto al empleo estimado","entity.basedOn9235OfEstimated":"Basado en que el 92.35% de la ganancia neta estimada está sujeto al impuesto sobre el trabajo por cuenta propia.","entity.sCorpElection":"Elección de S Corp","entity.reasonableSalary":"Salario razonable","entity.estimatedDistributions":"Distribuciones estimadas","entity.payrollTaxes":"Impuestos sobre la nómina","entity.distributionsAreNotIncluded":"Las distribuciones no se incluyen en el cálculo del impuesto al empleo, pero se aplican las reglas de salario razonable.","entity.grossEmploymentTaxDifference":"Diferencia bruta del impuesto al empleo","entity.estimatedAnnualPayrollAndTax":"Nómina anual estimada y preparación de impuestos","entity.roughStateAdjustment":"Ajuste aproximado de {state}","entity.estimatedAnnualBenefit":"Beneficio anual estimado","entity.copyResultSummary":"Copiar resumen de resultados","entity.printResults":"Imprimir resultados","entity.enterYourAnnualProfitTo":"Ingresa tu ganancia anual para ver un rango salarial sugerido para tu industria.","entity.rangeTo":"a","entity.useMidpointOf":"Usar el punto medio de {amount}","entity.salaryRangeDisclaimer":"Este es un rango inicial, no una garantÃa de cumplimiento del IRS. La remuneración comparable del mercado, las funciones, la experiencia y el tiempo dedicado al negocio son factores importantes.","businessLoan.lenderNeutral":"Prestador neutral","businessLoan.estimateApr":"Calcular APR","businessLoan.paidEvery":"Pagado cada {period}","businessLoan.termLoan":"Préstamo a plazo","businessLoan.aLumpSumRepaidOn":"Una suma global que se paga en un plazo fijo con intereses.","businessLoan.businessLineOfCredit":"LÃnea de crédito comercial","businessLoan.sbaLoan":"Préstamo SBA","businessLoan.equipmentFinancing":"Financiamiento de equipo","businessLoan.enterALoanAmountBefore":"Ingresa un monto de préstamo antes de estimar la APR.","businessLoan.enterAFactorRateBetween":"Ingresa una tasa de factor entre 1.00 y 3.00.","businessLoan.enterAValidAmountAnd":"Ingresa primero un monto válido y un plazo de pago.","businessLoan.compareThePaymentWithGross":"Compara el pago con los ingresos brutos. Esto no es una prueba de asequibilidad.","businessLoan.addAverageMonthlyGrossRevenue":"Agrega el ingreso bruto mensual promedio para ver una comparación de pago neutral.","businessLoan.thePaymentAloneDoesNot":"El pago por sà solo no cuenta toda la historia. Compara el reembolso total, las divulgaciones de tarifas y el impacto en el flujo de efectivo antes de aceptar el financiamiento.","businessLoan.aLoanCanSupportGrowth":"Un préstamo puede apoyar el crecimiento, pero el pago se convierte en un reclamo fijo sobre el flujo de efectivo futuro. Prueba la obligación contra las condiciones operativas reales.","businessLoan.learnAboutNovoFunding":"Conoce sobre Novo Funding","businessLoan.novoDoesNotOriginateBusiness":"Esta calculadora es una herramienta de planificación, no una oferta de préstamo. Los Préstamos para Negocios de Novo⢠y Novo Fu
1nding tienen requisitos de elegibilidad, costos, términos y estructuras de pago distintos.","businessLoan.resultBusinessLoanEstimate":"estimación de préstamo comercial","businessLoan.enterTheLoanDetails":"Ingresa los detalles del préstamo","businessLoan.addTheAmountYouPlan":"Agrega el monto que planeas pedir prestado, la tasa de interés anual y el plazo de pago.","businessLoan.choosePaymentTiming":"Elige la frecuencia de pago","businessLoan.selectMonthlyEveryTwoWeeks":"Selecciona pagos mensuales, quincenales o semanales para que se ajusten a los términos de préstamo propuestos.","businessLoan.stressTestThePayment":"Pon a prueba el pago","businessLoan.compareTheMonthlyPaymentWith":"Compara el pago mensual con los ingresos brutos, el flujo de caja disponible para el servicio de la deuda y la deuda existente antes de pedir prestado.","businessLoan.thePrincipalIsTheAmount":"El capital es el monto prestado antes de los intereses. Un capital mayor generalmente significa un pago más grande y más intereses.","businessLoan.interestRate":"Tasa de interés","businessLoan.theAnnualInterestRateAffects":"La tasa de interés anual afecta cuánto de cada pago se destina al costo del préstamo en lugar del capital.","businessLoan.aLongerTermCanLower":"Un plazo más largo puede reducir cada pago, pero generalmente aumenta el total de intereses pagados durante la vida del préstamo.","businessLoan.feesAndTiming":"Cargos y frecuencia","businessLoan.originationFeesClosingCostsAnd":"Los cargos de originación, los costos de cierre y la frecuencia de pago pueden cambiar el costo real, incluso cuando la tasa indicada parece competitiva.","businessLoan.reusableAccessToFundsWith":"Acceso reutilizable a fondos, con intereses generalmente cobrados sobre el monto dispuesto.","businessLoan.aLenderIssuedLoanSupported":"Un préstamo emitido por un prestamista, respaldado por una garantÃa federal y los requisitos del programa.","businessLoan.fundingTiedToThePurchase":"Financiamiento vinculado a la compra de equipo que también puede garantizar el préstamo.","businessLoan.modelThePaymentAgainstA":"Modela el pago basándote en un mes de ingresos más bajos, no solo en tu mejor mes.","businessLoan.confirmWhetherTheQuotedCost":"Confirma si el costo cotizado es una tasa de interés, APR o tasa de factor.","businessLoan.reviewFeesPrepaymentTermsCollateral":"Revisa las tarifas, los términos de pago anticipado, la garantÃa y los requisitos de garantÃa personal.","businessLoan.planWhereTheFundsWill":"Planifica dónde se depositarán los fondos y cómo se hará seguimiento a cada pago.","businessLoan.howIsABusinessLoan":"¿Cómo se calcula el pago de un préstamo comercial?","businessLoan.forAStandardAmortizingLoan":"Para un préstamo amortizable estándar, el pago se calcula a partir del capital, la tasa de interés periódica y el número de pagos. Cada pago cubre los intereses acumulados y reduce el saldo de capital restante.","businessLoan.whatIsTheDifferenceBetween":"¿Cuál es la diferencia entre tasa de interés y APR?","businessLoan.theInterestRateIsThe":"La tasa de interés es el costo cobrado sobre el saldo del préstamo. El APR es una medida anualizada más amplia que puede incluir ciertas tarifas y puede facilitar la comparación de las ofertas de préstamos. Pregúntale al prestamista exactamente qué cifra te está cotizando.","businessLoan.whatIsAFactorRate":"¿Qué es una tasa de factor?","businessLoan.aFactorRateIsA":"Una tasa de factor es un multiplicador comúnmente utilizado para el financiamiento comercial a corto plazo. Multiplica el monto del anticipo por la tasa de factor para estimar el pago total. Una tasa de factor no es un APR y puede representar un alto costo de endeudamiento anualizado.","businessLoan.doesALongerLoanTerm":"¿Un plazo de préstamo más largo reduce el pago?","businessLoan.usuallySpreadingRepaymentAcrossMore":"Usualmente. Distribuir el pago en más perÃodos a menudo reduce cada pago, pero también puede aumentar el interés total. Compara tanto el pago como el reembolso total antes de elegir un plazo.","businessLoan.howMuchBusinessLoanPayment":"¿Cuánto pago de préstamo comercial puedo permitirme?","businessLoan.affordabilityDependsOnCashFlow":"La asequibilidad depen
1de del flujo de caja disponible para el servicio de la deuda, la deuda existente, los márgenes, los impuestos y las necesidades operativas. Un pago dividido por los ingresos brutos es solo una comparación neutral y no establece la asequibilidad. Pruebe el pago en los meses de menor actividad y revise la obligación completa con un profesional financiero calificado.","businessLoan.doesNovoProvideTheLoan":"¿Novo ofrece préstamos para negocios?","businessLoan.noThisCalculatorModelsA":"SÃ. Los Préstamos para Negocios de Novo⢠están disponibles para clientes elegibles de Novo por hasta $50,000. Esta calculadora solo proporciona estimaciones y no es una oferta de préstamo. La aprobación, el monto y los términos dependen de la elegibilidad.","businessLoan.freeBusinessLoanCalculator":"Calculadora Gratuita de Préstamos Comerciales","businessLoan.estimateBusinessLoanPaymentsTotal":"Estima los pagos de préstamos comerciales, el interés total, el reembolso total y la proporción del pago sobre los ingresos brutos con una calculadora gratuita en vivo.","businessLoan.principalAndInterestBreakdown":"Desglose de principal e intereses","businessLoan.balanceOverTime":"Saldo a lo largo del tiempo","businessLoan.estimatedRemainingPrincipal":"Principal restante estimado","businessLoan.viewAnnualAmortization":"Ver amortización anual","businessLoan.year":"Año","businessLoan.principal":"Principal","businessLoan.interest":"Intereses","businessLoan.endingBalance":"Saldo final","businessLoan.freePlanningToolForBusiness":"Herramienta de planificación gratuita para dueños de negocios","businessLoan.businessLoanCalculator":"Calculadora de Préstamos para Negocios","businessLoan.yourLoan":"TU PRÃSTAMO","businessLoan.startWithTheOfferYou":"Comienza con la oferta que estás considerando.","businessLoan.loanPlanningAssistant":"Asistente de planificación de préstamos","businessLoan.askAboutRepaymentTermsInterest":"Pregunta sobre los términos de pago, los intereses, la frecuencia de pago o tu estimado.","businessLoan.hiICanHelpYou":"¡Hola! Puedo ayudarte a entender una oferta de préstamo para negocios. Ingresa los términos propuestos, luego pregunta sobre los pagos, los intereses o las preguntas para hacerle al prestamista.","businessLoan.eGHowDoesA":"Ej. ¿Cómo cambia un plazo más largo mi interés total?","businessLoan.loan":"Préstamo","businessLoan.aiGeneratedGuidanceConfirmTerms":"Orientación generada por IA. Confirma los términos con el prestamista","businessLoan.businessLoan":"Préstamo para negocios","businessLoan.termUnit":"Unidad de plazo","businessLoan.years":"Años","businessLoan.months":"Meses","businessLoan.iOnlyKnowTheFactor":"Solo conozco la tasa de factor","businessLoan.factorRate":"Tasa de factor","businessLoan.estimatedAnnualizedRate":"Tasa anual estimada","businessLoan.optionalRevenueComparison":"Comparación de ingresos opcional","businessLoan.averageMonthlyGrossRevenue":"Ingresos brutos mensuales promedio","businessLoan.estimatedPayment":"PAGO ESTIMADO","businessLoan.paymentShareOfGrossRevenue":"PORCENTAJE DEL PAGO SOBRE LOS INGRESOS BRUTOS","businessLoan.enterALoanAmountTo":"Ingresa un monto de préstamo para ver el costo total.","businessLoan.keepYourBusinessLoanEstimate":"Guarda tu estimación de préstamo comercial.","businessLoan.novoBusinessLoans":"Préstamos para Negocios de Novoâ¢","businessLoan.borrowUpToWithNovo":"Obtén un préstamo de hasta $50,000 con Novo","businessLoan.eligibleCustomersCanBorrow":"Los Préstamos para Negocios de Novo⢠permiten que clientes elegibles de Novo pidan prestado hasta $50,000 directamente a través de Novo.","businessLoan.loansUpTo":"Préstamos de hasta $50,000","businessLoan.fullCostsShownUpfront":"Todos los costos se muestran por adelantado","businessLoan.noSeparateLenderRequired":"Sin un prestamista independiente","businessLoan.learnAboutNovoBusinessLoans":"Conoce los Préstamos para Negocios de Novo","businessLoan.getReadyForFastFunding":"Prepárate para un financiamiento rápido","businessLoan.novoCustomersBecomeEligibleFor":"Los clientes de Novo son elegibles para financiamiento rápido y sin cargos ocultos después de 6 meses de actividad. Abre tu cuenta hoy para empezar a contar el tiempo.","businessLoan.eligibleForFundingAfter6":"Elegible para financiamiento después de 6 meses de actividad","businessLoan.simpleTermsWithNoFine":"Términos sencillos sin letra pequeña","businessLoan.threeInputsAClearerDecision":"Tres datos, una decisión más clara","businessLoan.howToUseTheBusiness":"Cómo usar la calculadora de préstamos comerciales","businessLoan.knowWhatDrivesTheNumber":"Conoce qué impulsa el número","businessLoan.whatDeterminesYourBusinessLoan":"¿Qué determina el pago de tu préstamo comercial?","businessLoan.commonFinancingStructures":"Estructuras de financiamiento comunes","businessLoan.fourBusinessLoanTypesTo":"Cuatro tipos de préstamos comerciales que debes conocer","businessLoan.beforeYouBorrow":"Antes de pedir un préstamo","businessLoan.makeRoomForThePayment":"Haz espacio para el pago antes de que llegue.","businessLoan.novoFundingWorksDifferently":"Novo Funding funciona diferente","businessLoan.startTheAccountRelationshipBefore":"Inicia la relación con la cuenta antes de que necesites financiamiento.","businessLoan.importantDistinction":"Distinción importante","businessLoan.businessLoanQuestions":"Preguntas sobre préstamos comerciales","businessLoan.aHomeForBusinessCash":"Un hogar para el flujo de caja de tu negocio","businessLoan.keepLoanFundsAndRepayments":"Mantén organizados los fondos del préstamo y los pagos.","businessLoan.businessLoanCalculatorEstimatePayments":"Calculadora de Préstamos Comerciales: Estima Pagos e Interés Total","businessLoan.estimateBusinessLoanPaymentsTotal2":"Estima los pagos de préstamos comerciales, el interés total, el reembolso total y la proporción del pago sobre los ingresos brutos con una calculadora gratuita e imparcial para prestamistas.","businessLoan.estimateYourMonthlyPaymentAnd":"Estima tu pago mensual y el interés total en cualquier préstamo comercial, de forma instantánea, gratuita y sin necesidad de registrarte.","businessLoan.livePaymentEstimates":"Estimaciones de pago en tiempo real","businessLoan.resultsUpdateAsYouType":"Los resultados se actualizan a medida que escribes. Usa la tasa exacta y el calendario de pagos que se muestran en los términos del préstamo cuando sea posible.","businessLoan.estimateAnAnnualizedRateFrom":"Estima una tasa anualizada a partir de una tasa de factor fija y un calendario de pagos. Esto no es una APR cotizada por un prestamista.","businessLoan.useThisRate":"Usa esta tasa","businessLoan.planningEstimateOnlyActualPayments":"Solo una estimación para planificación. Los pagos reales y la APR pueden diferir debido a tarifas, capitalización, el momento del pago y los términos del prestamista.","businessLoan.notAnAffordabilityOrLending":"No es una decisión de asequibilidad o préstamo. Compara el pago con el flujo de efectivo disponible para el servicio de la deuda y las obligaciones de deuda existentes.","businessLoan.monthlyPaymentTotalInterestTotal":"El pago mensual, el interés total, el reembolso total y una vista de amortización aparecerán aquà al instante.","businessLoan.theCalculatorAboveModelsA":"La calculadora anterior modela un préstamo amortizable tradicional. Los clientes elegibles de Novo pueden acceder a Novo Fu
1nding rápido con términos separados después de al menos seis meses de historial de cuenta activo.","businessLoan.openNovoToSeparateBusiness":"Abre Novo para separar el dinero de tu negocio, rastrear los fondos entrantes y gestionar los pagos recurrentes sin tarifas de cuenta mensuales.","businessLoan.estimateBeforeYouBorrow":"Estima antes de pedir un préstamo","businessLoan.useOurFreeCalculator":"Usa nuestra Calculadora de Préstamos para Negocios gratuita para estimar los pagos, el interés total y el pago total antes de elegir una oferta.","businessLoan.calculateLoanPayments":"Calcula los pagos del préstamo","businessValuation.midpointBenchmarkSource":"Fuente de referencia del punto medio:","businessValuation.industryMidpointBenchmarksUseReported":"Los puntos de referencia intermedios de la industria utilizan ventas de negocios privados reportadas desde el tercer trimestre de 2021 hasta el segundo trimestre de 2026. Los ajustes por valores bajos, altos, crecimiento y antigüedad del negocio son estimaciones ilustrativas de Novo.","businessValuation.usedHere":"Usado aquÃ","businessValuation.quickComparison":"Comparación rápida","businessValuation.professionalUse":"Uso profesional","businessValuation.thisToolIsDesignedFor":"Esta herramienta está diseña
1da para negocios con ingresos anuales inferiores a $1 millón.","businessValuation.annualProfitCannotExceedAnnual":"La ganancia anual no puede exceder el ingreso anual.","businessValuation.aLossNeedsDocumentedAdd":"Una pérdida necesita ajustes documentados que eleven las ganancias discrecionales del vendedor por encima de cero.","businessValuation.bizbuysellIndustryValuationMultiples":"Múltiplos de valoración de la industria BizBuySell","businessValuation.novoAdjustmentsAreIllustrative":"Los ajustes de Novo por valores bajos, altos, crecimiento y antigüedad del negocio son ilustrativos.","businessValuation.rangeReady":"Rango listo","businessValuation.addYourNumbers":"Agrega tus números","businessValuation.completeRevenueProfitAndAdd":"Completa los ingresos, ganancias y ajustes para ver un rango","businessValuation.reviewTheSourceData":"Revisa los datos de origen","businessValuation.resultValuationRange":"rango de valoración","businessValuation.reliableGrowth":"Crecimiento confiable","businessValuation.consistentRevenueAndEarningsCan":"Ingresos y ganancias consistentes pueden hacer que el rendimiento futuro sea más fácil de confiar para un comprador.","businessValuation.profitability":"Rentabilidad","businessValuation.higherOwnerEarningsGenerallyIncrease":"Mayores ganancias del propietario generalmente aumentan el valor porque la estimación aplica un múltiplo de ganancias.","businessValuation.ownerIndependence":"Independencia del propietario","businessValuation.documentedSystemsAndACapable":"Sistemas documentados y un equipo capaz pueden reducir el riesgo de que los clientes se vayan con el propietario.","businessValuation.customerQuality":"Calidad del cliente","businessValuation.recurringRevenueAndADiverse":"Los ingresos recurrentes y una base de clientes diversa pueden ser más duraderos que una sola relación grande.","businessValuation.addsLegitimateOwnerBenefitsAnd":"Suma los beneficios legÃtimos del propietario y los gastos discrecionales de nuevo a las ganancias, luego aplica un múltiplo de mercado. Es común para negocios operados por sus dueños.","businessValuation.revenueMultiple":"Múltiplo de ingresos","businessValuation.appliesAMultipleToSales":"Aplica un múltiplo a las ventas. Puede ayudar a comparar negocios similares, pero no muestra si esas ventas son rentables.","businessValuation.assetOrIncomeApproach":"Enfoque de activos o ingresos","businessValuation.valuesAssetsAndLiabilitiesOr":"Valora los activos y pasivos o el flujo de caja futuro. Estos métodos pueden ser adecuados para negocios con muchos activos, disputas, impuestos o transacciones formales.","businessValuation.howIsASmallBusiness":"¿Cómo se valora un pequeño negocio?","businessValuation.commonApproachesConsiderOwnerEarnings":"Los enfoques comunes consideran las ganancias del propietario, las ventas de negocios comparables, los activos y pasivos, o los ingresos futuros esperados. Esta calculadora utiliza las ganancias discrecionales del vendedor porque es comúnmente utilizada para negocios más pequeños operados por sus dueños.","businessValuation.whatIsSellerDiscretionaryEarnings":"¿Qué son las ganancias discrecionales del vendedor?","businessValuation.sellerDiscretionaryEarningsStartsWith":"Las ganancias discrecionales del vendedor comienzan con las ganancias y suman de nuevo la compensación elegible del propietario, los beneficios personales y ciertos gastos únicos. Cada suma de nuevo debe estar respaldada por registros claros y puede ser cuestionada por un comprador.","businessValuation.whatIsAGoodMultiple":"¿Cuál es un buen múltiplo para mi industria?","businessValuation.thereIsNoSingleCorrect":"No hay un único múltiplo correcto. La industria, la ubicación, el tamaño del negocio, el crecimiento, la concentración de clientes, la dependencia del propietario y la calidad de los registros financieros pueden afectar el resultado. Las ventas comparables recientes son más útiles que un promedio general.","businessValuation.whyDoesTheCalculatorShow":"¿Por qué la calculadora muestra un rango?","businessValuation.aRangeReflectsTheUncertainty":"Un rango refleja la incertidumbre en cualquier estimación rápida. Un comprador o tasador puede aplicar un múltiplo diferente después de revisar ventas comparables, contratos, activos, pasivos, condiciones del mercado y riesgo operativo.","businessValuation.canIUseThisEstimate":"¿Puedo usar esta estimación para vender mi negocio?","businessValuation.useItAsAnEarly":"Ãsala como un punto de referencia inicial para la planificación, no como un precio de venta ni una tasación certificada. Un corredor, contador, abogado o tasador calificado puede ayudarte a preparar los registros y seleccionar un método para una transacción real.","businessValuation.doesThisCalculatorIncludeInventory":"¿Esta calculadora incluye inventario, deuda o bienes raÃces?","businessValuation.noTheEstimateIsBased":"No. La estimación se basa únicamente en las ganancias discrecionales del vendedor y el múltiplo seleccionado. El inventario, el efectivo, la deuda, los bienes raÃces y otros activos o pasivos pueden manejarse por separado en una transacción.","businessValuation.businessValuationCalculator":"Calculadora de Valoración de Negocios","businessValuation.estimateASmallBusinessValuation":"Estima un rango de valoración para pequeñas empresas usando las ganancias discrecionales del vendedor y múltiplos especÃficos de la industria.","businessValuation.estimatedMidpoint":"Punto medio estimado","businessValuation.viewRange":"Ver rango","businessValuation.estimateYourRange":"ESTIMA TU RANGO","businessValuation.startWithOneTypicalYear":"Comienza con un año tÃpico.","businessValuation.valuationAssistant":"Asistente de valoración","businessValuation.askAboutSellerDiscretionaryEarnings":"Pregunta sobre las ganancias discrecionales del vendedor, los ajustes positivos, los múltiplos o la preparación de tus registros.","businessValuation.hiICanHelpYou":"¡Hola! Puedo ayudarte a entender esta estimación de valoración. Agrega tus números, luego pregunta sobre los ajustes del propietario, los múltiplos de la industria o qué preparar para una valoración profesional.","businessValuation.eGDoesMySalary":"Ej.: ¿Mi salario cuenta como un ajuste?","businessValuation.aiGeneratedGuidanceConfirmValuation":"Orientación generada por IA. Confirme las decisiones de valoración y contabilidad con un profesional cualificado.","businessValuation.annualPretaxProfitFromYour":"Ganancia anual antes de impuestos de tu estado de resultados","businessValuation.ownerPayAndOtherEligible":"Remuneración del propietario y otros ajustes elegibles","businessValuation.industryEarningsMultiple":"Múltiplo de ganancias de la industria","businessValuation.yearsInBusiness":"Años en el negocio","businessValuation.under2Years":"Menos de 2 años","businessValuation.2To3Years":"De 2 a 3 años","businessValuation.3To5Years":"De 3 a 5 años","businessValuation.6To9Years":"De 6 a 9 años","businessValuation.10YearsOrMore":"10 años o más","businessValuation.revenueOverTheLast3":"Ingresos de los últimos 3 años","businessValuation.whyAreYouValuingThe":"¿Por qué estás valorando el negocio?","businessValuation.estimatedValuation":"VALORACIÃN ESTIMADA","businessValuation.estimatedRange":"Rango estimado","businessValuation.low":"Bajo","businessValuation.mid":"Medio","businessValuation.high":"Alto","businessValuation.whatMovedYourRange":"Qué influyó en tu rango","businessValuation.yourNextStep":"Tu siguiente paso","businessValuation.keepYourValuationRange":"Mantén tu rango de valoración.","businessValuation.beyondTheFormula":"Más allá de la fórmula","businessValuation.whatAffectsYourBusinessValue":"¿Qué afecta el valor de tu negocio?","businessValuation.threeCommonApproaches":"Tres enfoques comunes","businessValuation.businessValuationMethodsExplained":"Métodos de valoración de negocios explicados.","businessValuation.makeTheNumbersEasierTo":"Haz que los números sean más fáciles de probar.","businessValuation.needYourStartingNumbers":"¿Necesitas tus números iniciales?","businessValuation.buildAFreeProfitAnd":"Crea un estado de pérdidas y ganancias gratuito primero.","businessValuation.openPnlBuilder":"Abrir el generador de P&L","businessValuation.businessValuationQuestions":"Preguntas sobre valoración de negocios","businessValuation.keepTheNumbersBehindYour":"Mantén organizados los números que respaldan tu valor.","businessValuation.businessValuationCalculatorEstimateWhat":"Calculadora de Valoración de Negocios | Estima Cuánto Vale tu Negocio Gratis | Novo","businessValuation.estimateASmallBusinessValuation2":"Estima un rango de valoración para pequeñas empresas usando las ganancias discrecionales del vendedor, múltiplos especÃficos de la industria y sin necesidad de registrarte.","businessValuation.freeEstimateForOwnerOperated":"Estimación gratuita para negocios operados por sus dueños","businessValuation.getAnEstimatedValuationRange":"Obtén un rango de valoración estimado para tu pequeña empresa en minutos, usando un método diseña
1do para dueños-operadores.","businessValuation.industrySpecificRange":"Rango especÃfico de la industria","businessValuation.useGrossSalesBeforeSubtracting":"Usa las ventas brutas antes de restar los gastos. Esta estimación se limita a ingresos menores a $1 millón.","businessValuation.enterProfitAfterOwnerPay":"Ingresa la ganancia después de deducir el pago al propietario y otros gastos. Una pérdida se puede ingresar con un signo de menos.","businessValuation.includeOnlyDocumentedAmountsThat":"Incluye solo montos documentados que ya fueron deducidos de la ganancia y que un comprador podrÃa no continuar.","businessValuation.thisCalculatorIsEducationalAnd":"Esta calculadora es educativa y no verifica tus entradas. Solo incluye las adiciones que estén documentadas y que no serÃan necesarias bajo una nueva propiedad.","businessValuation.aMultipleIsOnlyA":"Un múltiplo es solo un punto de partida. Los compradores también consideran qué tan repetibles, transferibles y bien documentadas son las ganancias.","businessValuation.aValuationStartsWithClean":"Una valoración comienza con una contabilidad ordenada","businessValuation.novoBookkeepingCategorizesTransactionsAnd":"Novo Bookkeeping categoriza las transacciones y mantiene tus informes de ganancias y pérdidas actualizados, para que la historia financiera detrás de una valoración sea más fácil de organizar.","businessValuation.profitAndLossReporting":"Informes de ganancias y pérdidas","processingFee.neutralComparison":"Comparación neutral","processingFee.viewPricingSource":"Ver fuente de precios","processingFee.simpleRate":"Tasa simple","processingFee.ratePlusMarkup":"Tasa + margen","processingFee.rateCheckedDate":"31 de julio de 2026","processingFee.creditCardProcessingFees":"Tarifas de procesamiento de tarjetas de crédito","processingFee.interchangePlusPricing":"precios de intercambio más","processingFee.flatRatePricing":"precios de tarifa fija","processingFee.resultCopied":"Resultado copiado.","processingFee.copyFailedSelectTheResult":"Error al copiar. Selecciona el resultado y cópialo manualmente.","processingFee.enterSalesOrChooseA":"Ingresa las ventas o elige una tasa de comparación más baja para ver los ahorros.","processingFee.averageTransactionOptionalHelper":"Opcional, pero necesario para incluir la tarifa fija que se cobra en cada transacción.","processingFee.monthlyCardSalesSummary":"Ventas mensuales con tarjeta: {amount}","processingFee.estimatedMonthlyFeesSummary":"Tarifas mensuales estimadas: {amount}","processingFee.estimatedAnnualFeesSummary":"Tarifas anuales estimadas: {amount}","processingFee.effectiveRateSummary":"Tasa efectiva: {rate}%","processingFee.benchmarkSummary":"Referencia: {benchmark}","processingFee.monthlySavingsExplanation":"{amount} al mes según el mismo volumen de ventas.","processingFee.yourPercentageRateIs":"Tu tasa porcentual es del {percentage}%; incluyendo las tarifas fijas modeladas, tu tasa efectiva estimada es del {effective}%.","processingFee.copyResult":"Copiar resultado","processingFee.bankratePlacesCommonlyQuotedPercentage":"Bankrate sitúa las tarifas de procesamiento porcentuales comúnmente citadas en este rango. Los cargos fijos pueden hacer que la tasa efectiva total sea más alta.","processingFee.nilsonDataReportedFor2025":"Los datos de Nilson reportados para 2025 sitúan las tarifas promedio de Visa y Mastercard cerca de este nivel. Es una guÃa, no una tasa garantizada.","processingFee.seeHowNovoConnectsPayments":"Mira cómo Novo conecta los pagos","processingFee.automaticPayoutVisibility":"Visibilidad de pagos automáticos","processingFee.processingFeeCategorization":"Categorización de tarifas de procesamiento","processingFee.presetRatesAndBenchmarkSources":"Las tasas preestablecidas y las fuentes de referencia fueron revisadas el {date}. Los precios del procesador cambian según el plan, canal, tipo de tarjeta, volumen y contrato. Verifique la tasa en su propio estado de cuenta antes de tomar una decisión.","processingFee.bankrateFeeRange":"Rango de tarifas de Bankrate","processingFee.nilsonRateReference":"Referencia de tasa de Nilson","processingFee.emailResults":"Resultados por correo","processingFee.whatIsTheAverageCredit":"Cuál es la tarifa promedio de procesamiento de tarjetas de crédito?","processingFee.bankrateReportsThatCommonlyQuoted":"Bankrate informa que las tarifas de procesamiento porcentuales comúnmente citadas oscilan entre aproximadamente el 1.5% y el 3.5% por transacción. Esta calculadora compara ese rango con la tasa porcentual modelada, no con la tasa efectiva total. Los cargos fijos y otras tarifas pueden hacer que la tasa efectiva sea más alta.","processingFee.howDoICalculateMy":"Cómo calculo mi tasa de procesamiento efectiva?","processingFee.divideAllCardProcessingFees":"Divide todas las tarifas de procesamiento de tarjetas del mes entre el total de ventas con tarjeta del mismo mes, luego multiplica por 100. Incluye tarifas de transacción, tarifas de estado de cuenta, tarifas de pasarela y otros cargos del procesador para obtener el resultado más preciso.","processingFee.whatIsTheCheapestCredit":"Cuál es el procesador de tarjetas de crédito más económico?","processingFee.thereIsNoSingleCheapest":"No existe un único procesador más económico para cada negocio. La fijación de precios plana puede ser sencilla para negocios de menor volumen, mientras que la fijación de precios de intercambio más puede ser más competitiva a mayor volumen. Compara la tasa efectiva total y los términos del contrato, no solo el porcentaje anunciado.","processingFee.areCreditCardSurchargesLegal":"Son legales los recargos por tarjeta de crédito?","processingFee.rulesVaryByStateCard":"Las reglas varÃan según el estado, la red de tarjetas y el tipo de pago. Los recargos pueden estar restringidos, limitados o requerir avisos y registro. Verifique la ley estatal actual y las reglas de la red de tarjetas antes de agregar un recargo o un programa de descuento por pago en efectivo.","processingFee.doesNovoProcessCreditCard":"Novo procesa pagos con tarjeta de crédito?","processingFee.novoIsNotACard":"Novo no es un procesador de tarjetas. Novo se conecta con servicios como Stripe, Square y PayPal para que los pagos y las tarifas de procesamiento sean más fáciles de rastrear junto con el resto de las finanzas de tu negocio.","processingFee.doesThisEstimateIncludeEvery":"¿Este estimado incluye todas las tarifas del procesador?","processingFee.noTheCalculatorModelsA":"No. La calculadora simula una tarifa porcentual y una tarifa por transacción. Las suscripciones mensuales, el hardware, los contracargos, las tarifas de tarjetas internacionales, las tarifas de pago instantáneo y otros cargos de cuenta no están incluidos a menos que los contabilices por separado.","processingFee.credit
1CardProcessingFeeCalculator":"Calculadora de tarifas de procesamiento de tarjetas de crédito","processingFee.estimateMonthlyAndAnnualCard":"Estima los costos mensuales y anuales de procesamiento de tarjetas, la tasa efectiva y los ahorros potenciales usando ajustes preestablecidos del procesador o tu propia tasa.","processingFee.customProcessor":"Procesador personalizado","processingFee.creditCardProcessingFeeEstimate":"Estimado de tarifa de procesamiento de tarjeta de crédito","processingFee.educationalEstimateOnlyActualProcessor":"Estimado solo con fines educativos. Los costos reales del procesador pueden variar.","processingFee.unableToSend":"No se pudo enviar","processingFee.freeProcessingCostEstimate":"Estimado gratuito de costo de procesamiento","processingFee.yourSales":"TUS VENTAS","processingFee.estimateTheFullCostOf":"Estima el costo total de cada pago con tarjeta.","processingFee.processingFeeAssistant":"Asistente de tarifas de procesamiento","processingFee.askAboutProcessorPricingEffective":"Pregunta sobre los precios del procesador, las tasas efectivas o formas de revisar tus costos.","processingFee.hiICanHelpYou":"¡Hola! Puedo ayudarte a entender los costos de procesamiento de tarjetas. Elige tu procesador e ingresa tus ventas, luego pregunta sobre las tarifas, comisiones o cómo se compara tu resultado.","processingFee.eGWhyIsMy":"Ej. ¿Por qué mi tasa efectiva es más alta que mi tasa anunciada?","processingFee.aiGeneratedGuidanceConfirmPricing":"Orientación generada por IA. Confirma los precios con tu procesador.","processingFee.howCustomersPay":"Cómo pagan los clientes","processingFee.flatRate":"Tarifa fija","processingFee.interchangePlus":"Intercambio más","processingFee.processingRate":"Tasa de procesamiento","processingFee.baseRate":"Tasa base","processingFee.processorMarkup":"Margen del procesador","processingFee.estimatedProcessingCost":"COSTO DE PROCESAMIENTO ESTIMADO","processingFee.annualFees":"Comisiones anuales","processingFee.effectiveRate":"Tasa efectiva","processingFee.transactions":"Transacciones","processingFee.netAfterFees":"Neto después de comisiones","processingFee.monthlyFeeBreakdown":"Desglose de comisiones mensuales","processingFee.howYourPercentageRateCompares":"Cómo se compara tu tasa porcentual","processingFee.publishedRange15To":"Rango publicado: 1.5% a 3.5%","processingFee.whatIfYouPaidLess":"¿Y SI PAGARAS MENOS?","processingFee.compareAnotherRate":"Compara otra tasa","processingFee.adjustTheNumbersToEstimate":"Ajusta los números para estimar posibles ahorros.","processingFee.comparisonRate":"Tasa de comparación","processingFee.potentialAnnualSavings":"Ahorros anuales potenciales","processingFee.seeYourRealTakeHome":"Ver tu pago neto real","processingFee.novoAutomaticallyTracksYourStripe":"Novo rastrea automáticamente tus pagos de Stripe, Square y PayPal y categoriza las tarifas de procesamiento para que veas tus ingresos netos claramente.","processingFee.payoutsSyncAutomaticallyFromStripe":"Los pagos se sincronizan automáticamente desde Stripe, Square y PayPal","processingFee.everyFeeAutoCategorizedAs":"Cada comisión se categoriza automáticamente como un gasto","processingFee.understandYourResult":"Entiende tu resultado","processingFee.yourEffectiveRateRevealsThe":"Tu tasa efectiva revela el costo total de aceptar tarjetas.","processingFee.aBroadTypicalRange":"Un rango tÃpico amplio","processingFee.aUsefulReferencePoint":"Un útil punto de referencia","processingFee.yourStatement":"Tu estado de cuenta","processingFee.theBestSourceOfTruth":"La mejor fuente de verdad","processingFee.howFeesWork":"Cómo funcionan las comisiones","processingFee.threeCostsCanSitInside":"Tres costos pueden estar dentro de una transacción con tarjeta.","processingFee.interchange":"Intercambio","processingFee.networkAssessment":"Evaluación de red","processingFee.lowerYourCost":"Disminuye tu costo","processingFee.fourWaysToReviewYour":"Cuatro maneras de revisar tu factura de procesamiento.","processingFee.calculateTheEffectiveRateEvery":"Calcula la tasa efectiva cada mes","processingFee.compareTheSameTransactionMix":"Compara la misma mezcla de transacciones","processingFee.negotiateWhenVolumeGrows":"Negocia cuando tu volumen crece","processingFee.reviewExtraAccountFees":"Revisa los cargos adicionales de la cuenta","processingFee.trackTheMoneyThatReaches":"Rastrea el dinero que llega a tu cuenta.","processingFee.ratesAndMethodology":"Tasas y metodologÃa","processingFee.currentSourcesVisibleAssumptions":"Fuentes actuales, supuestos visibles.","processingFee.maintenanceOwnerNovoGrowthEngineering":"Responsable de mantenimiento: N
1ovo Growth Engineering","processingFee.creditCardProcessingFeeQuestions":"Preguntas sobre los cargos por procesamiento de tarjetas de crédito","processingFee.keepMoreOfYourBusiness":"Mantén más de las finanzas de tu negocio organizadas.","processingFee.creditCardProcessingFeeCalculator2":"Calculadora de cargos por procesamiento de tarjetas de crédito | Descubre tus costos reales | Novo","processingFee.estimateMonthlyAndAnnualCard2":"Estima los cargos mensuales y anuales por procesamiento de tarjetas, encuentra tu tasa efectiva y compara los precios de los procesadores comunes. Calculadora gratuita sin necesidad de registrarte.","processingFee.seeExactlyWhatYouAre":"Descubre exactamente lo que realmente estás pagando en cargos por procesamiento de tarjetas. Funciona sin importar con quién proceses.","processingFee.startWithAnAverageMonth":"Empieza con un mes promedio. Puedes ajustar cada número.","processingFee.estimateIncludesPercentageAndPer":"El estimado incluye solo tarifas porcentuales y por transacción. Las tarifas de suscripción, equipo, disputas, tarjetas internacionales y pagos pueden aumentar tu costo real.","processingFee.enterYourMonthlyCardSales":"Ingresa tus ventas mensuales con tarjeta para ver tu resultado.","processingFee.youWillGetMonthlyCost":"Obtendrás el costo mensual, el costo anual, la tasa efectiva y una comparación de mercado al instante.","processingFee.keepACopyOfThis":"Guarda una copia de este estimado de tarifas de procesamiento.","processingFee.sentCheckYourInboxFor":"Enviado. Revisa tu bandeja de entrada para ver el estimado.","processingFee.anAdvertisedRateIsOnly":"Una tasa anunciada es solo una parte de la factura. Los pequeños cargos fijos se acumulan rápidamente cuando tu venta promedio es baja, lo que puede hacer que tu tasa efectiva sea más alta que el porcentaje principal.","processingFee.divideEveryProcessorFeeBy":"Divide cada tarifa del procesador entre las ventas con tarjeta del mismo perÃodo para verificar la tasa efectiva real que paga tu negocio.","processingFee.yourProcessorCollectsTheTotal":"Tu procesador cobra el total, luego distribuye partes al banco emisor de la tarjeta y a la red. El modelo de precios determina con qué claridad puedes ver cada capa.","processingFee.theCardIssuingBankReceives":"El banco emisor de la tarjeta recibe un porcentaje y, a menudo, una tarifa fija. Las tarjetas de recompensas y las transacciones en lÃnea pueden costar más.","processingFee.cardNetworksChargeSmallerAssessment":"Las redes de tarjetas cobran tarifas de evaluación y de red más pequeñas por procesar la transacción a través de sus sistemas.","processingFee.yourProcessorAddsItsOwn":"Tu procesador añade su propio margen, que puede aparecer como una tarifa plana o como un margen transparente sobre la tasa interbancaria.","processingFee.compareAllProcessingFeesWith":"Compara todas las tarifas de procesamiento con las ventas con tarjeta para detectar nuevas tarifas o cambios de precios a tiempo.","processingFee.askProcessorsToQuoteYour":"Pide a los procesadores que coticen tu volumen real de tarjetas en persona, en lÃnea, de recompensas e internacionales.","processingFee.higherAndConsistentSalesCan":"Las ventas más altas y consistentes pueden darte influencia para solicitar un margen de ganancia más bajo o un plan personalizado.","processingFee.hardwareStatementsChargebacksGatewaysAnd":"El hardware, los estados de cuenta, los contracargos, las pasarelas de pago y los pagos rápidos pueden importar tanto como una pequeña diferencia en la tarifa.","processingFee.fromGrossSalesToClear":"De las ventas brutas a un flujo de caja claro","processingFee.novoIsNotACard2":"Novo no es un procesador de tarjetas y no establece las tarifas de procesamiento. Novo se conecta con Stripe, Square y PayPal para ayudarte a rastrear pagos, tarifas e ingresos netos en un solo lugar.","processingFee.businessBankingBuiltForClarity":"Banca empresarial diseñada para la claridad","processingFee.openNovoToTrackPayouts":"Abre Novo para rastrear pagos, categorizar gastos, enviar facturas y entender el efectivo que tu negocio conserva.","selfEmploymentTax.estimatedRegularScheduleSeTax":"IMPUESTO ESTIMADO DEL ANEXO SE REGULAR DE {year}","selfEmploymentTax.theWageBaseIs":"La base salarial de {year} es {base}. La barra incluye primero los salarios de la casilla 3 del Formulario W2, luego las ganancias imponibles del trabajo por cuenta propia de esta estimación.","selfEmploymentTax.paymentCalendar":"Calendario de pagos de {year}","selfEmploymentTax.paymentNumber":"Pago {number}","selfEmploymentTax.viewTheOfficialForm1040es":"Ver el Formulario 1040-ES oficial de {year}","selfEmploymentTax.theCalculatorFollowsTheRegular":"La calculadora sigue el método federal regular de la Publicación 505 del IRS: multiplica la ganancia esperada del trabajo por cuenta propia por el 92.35 por ciento, aplica el 2.9 por ciento de impuesto de Medicare y aplica el 12.4 por ciento de impuesto de Seguro Social hasta la base salarial anual restante después de los salarios elegibles.","selfEmploymentTax.enterYourNetSelfEmployment":"Ingresa tu ganancia neta del trabajo por cuenta propia y estima el impuesto regular del Anexo SE para una persona. El impuesto sobre la renta y el impuesto adicional de Medicare no están incluidos.","selfEmploymentTax.resultsUpdateAsYouType":"Los resultados se actualizan a medida que escribes usando el m
1étodo federal regular del Anexo SE.","selfEmploymentTax.addBox3AcrossAll":"Suma la casilla 3 de todos los W2 para esta persona. Esta es una estimación por persona, asà que combina la ganancia neta de todos los negocios de esa persona.","selfEmploymentTax.socialSecurityTaxIs0":"El impuesto de Seguro Social es $0 porque tus salarios del Seguro Social ya han alcanzado la base salarial de {year}. El impuesto de Medicare sigue aplicando cuando las ganancias netas alcanzan el umbral de $400.","selfEmploymentTax.basedOnOfEstimatedNet":"Basado en {earnings} de ganancias netas estimadas después del factor del 92.35 por ciento. Tasa efectiva de impuesto de trabajo por cuenta propia: {rate} por ciento de la ganancia neta.","selfEmploymentTax.irsPublication505":"IRS Publication 505","selfEmploymentTax.ssaWageBases":"Bases salariales de la SSA","selfEmploymentTax.irsAdditionalMedicareTax":"Impuesto adicional de Medicare del IRS","selfEmploymentTax.resultScheduleSeEstimate":"estimación de impuestos regular del Schedule SE","selfEmploymentTax.startWithNetProfit":"Empieza con la ganancia neta","selfEmploymentTax.netProfitIsBusinessIncome":"La ganancia neta es el ingreso del negocio después de los gastos comerciales ordinarios y necesarios. Puedes ingresarla directamente o dejar que la calculadora reste los gastos del ingreso bruto.","selfEmploymentTax.applyThe9235Percent":"Aplica el factor del 92.35 por ciento","selfEmploymentTax.theRegularScheduleSeMethod":"El método regular del Anexo SE generalmente multiplica la ganancia neta del autoempleo por el 92.35 por ciento para determinar las ganancias netas sujetas al impuesto.","selfEmploymentTax.splitSocialSecurityAndMedicare":"Divide el Seguro Social y Medicare","selfEmploymentTax.socialSecurityAppliesUpTo":"El Seguro Social se aplica hasta la base salarial anual después de los salarios W2 elegibles. Medicare generalmente se aplica a todas las ganancias netas del autoempleo.","selfEmploymentTax.ordinaryBusinessExpenses":"Gastos comerciales ordinarios","selfEmploymentTax.suppliesSoftwareProfessionalServicesAdvert":"Suministros, software, servicios profesionales, publicidad y otros costos ordinarios pueden reducir las ganancias del Anexo C cuando califican.","selfEmploymentTax.homeOffice":"Oficina en casa","selfEmploymentTax.aSpaceUsedRegularlyAnd":"Un espacio utilizado regular y exclusivamente para el negocio puede calificar bajo el método simplificado o el de gastos reales.","selfEmploymentTax.businessMileage":"Millas de negocio","selfEmploymentTax.eligibleBusinessDrivingMayBe":"El millaje de negocio elegible puede ser deducible usando la tarifa estándar por milla o los gastos reales del vehÃculo.","selfEmploymentTax.healthInsurance":"Seguro médico","selfEmploymentTax.someSelfEmployedPeopleCan":"Algunas personas que trabajan por cuenta propia pueden deducir las primas elegibles del seguro médico, sujetas a las reglas de ingresos y cobertura.","selfEmploymentTax.halfOfSelfEmploymentTax":"La mitad del impuesto sobre el trabajo por cuenta propia","selfEmploymentTax.youCanGenerallyDeductThe":"Generalmente, puedes deducir la porción equivalente al empleador del impuesto sobre el trabajo por cuenta propia al calcular el ingreso bruto ajustado.","selfEmploymentTax.retirementContributions":"Contribuciones para la jubilación","selfEmploymentTax.sepIraSimpleIraAnd":"Las contribuciones a SEP IRA, SIMPLE IRA y 401(k) individuales pueden reducir el ingreso imponible cuando se cumplen las reglas de elegibilidad.","selfEmploymentTax.whoHasToPaySelf":"¿Quién tiene que pagar el impuesto sobre el trabajo por cuenta propia?","selfEmploymentTax.soleProprietorsIndependentContractorsPartn":"Los propietarios únicos, contratistas independientes, socios y otras personas que trabajan por cuenta propia generalmente deben pagar el impuesto sobre el trabajo por cuenta propia cuando las ganancias netas de su trabajo por cuenta propia son de $400 o más. Pueden aplicarse reglas y excepciones especiales.","selfEmploymentTax.doIPaySelfEmployment":"¿Pago impuesto sobre el trabajo por cuenta propia por un trabajo secundario?","selfEmploymentTax.usuallyYesIfYourCombined":"Generalmente, sÃ, si tus ganancias netas combinadas de trabajo por cuenta propia alcanzan los $400 o más. Las ganancias de trabajos secundarios pueden estar sujetas al impuesto sobre el trabajo por cuenta propia incluso si también tienes un trabajo regular.","selfEmploymentTax.whatIfIAlsoReceive":"¿Qué pasa si también recibo salarios W2?","selfEmploymentTax.socialSecurityWagesFromForm":"Los salarios del Seguro Social del Formulario W2 casilla 3 usan parte o la totalidad de la base salarial anual del Seguro Social. Suma la casilla 3 de todos los W2 para la persona que se está estimando. El impuesto de Medicare no tiene el mismo lÃmite salarial.","selfEmploymentTax.doesThisIncludeFederalIncome":"¿Esto incluye el impuesto federal sobre la renta?","selfEmploymentTax.noTheResultEstimatesThe":"No. El resultado estima solo las porciones estándar del Seguro Social y Medicare del impuesto sobre el trabajo por cuenta propia. El impuesto federal y estatal sobre la renta, los créditos, las retenciones y el impuesto adicional de Medicare no están incluidos.","selfEmploymentTax.whatHappensIfIDo":"¿Qué pasa si no pago trimestralmente?","selfEmploymentTax.youMayOweAnUnderpayment":"PodrÃas deber una multa por pago insuficiente si no pagas suf
1icientes impuestos durante el año. El Formulario 1040-ES ayuda a calcular los pagos completos de impuestos estimados, y los asalariados podrÃan aumentar las retenciones de W2 en su lugar.","selfEmploymentTax.noItIsAnEducational":"No. Es una estimación educativa que utiliza reglas federales simplificadas. Un profesional de impuestos calificado puede revisar tus ingresos completos, estado civil para efectos de la declaración, deducciones, créditos y obligaciones estatales.","selfEmploymentTax.selfEmploymentTaxCalculator":"Calculadora de Impuestos sobre el Trabajo por Cuenta Propia","selfEmploymentTax.estimateRegularFederalScheduleSe":"Estima el impuesto federal regular del Anexo SE y consulta el desglose del Seguro Social, Medicare, la parte trimestral anual y la reserva para todo el año.","selfEmploymentTax.netSelfEmploymentProfit":"Ganancia neta de trabajo por cuenta propia","selfEmploymentTax.yourIncome":"TUS INGRESOS","selfEmploymentTax.estimateTheTaxOnYour":"Calcula el impuesto sobre las ganancias de tu negocio propio.","selfEmploymentTax.taxYear":"Año fiscal","selfEmploymentTax.whatDoYouKnow":"¿Qué sabes?","selfEmploymentTax.myNetProfit":"Mi ganancia neta","selfEmploymentTax.myIncomeAndExpenses":"Mis ingresos y gastos","selfEmploymentTax.annualNetSelfEmploymentProfit":"Ganancia neta anual de tu negocio propio","selfEmploymentTax.annualGrossBusinessIncome":"Ingresos brutos anuales de tu negocio","selfEmploymentTax.deductibleBusinessExpenses":"Gastos deducibles de tu negocio","selfEmploymentTax.calculatedNetProfit":"Ganancia neta calculada","selfEmploymentTax.socialSecurityWagesFromForm2":"Salarios del Seguro Social del Formulario W2 casilla 3 (opcional)","selfEmploymentTax.averageSetAsideFrequencyAcross":"Frecuencia promedio de apartados a lo largo de un año completo","selfEmploymentTax.averageRegularSeTaxSet":"Apartado promedio regular para impuestos de autoempleo","selfEmploymentTax.socialSecurity":"Seguro Social","selfEmploymentTax.124PercentSubjectTo":"12.4 por ciento, sujeto a la base salarial","selfEmploymentTax.medicare":"Medicare","selfEmploymentTax.29PercentOfEstimated":"2.9 por ciento de las ganancias netas estimadas","selfEmploymentTax.oneFourthOfAnnualRegular":"Un cuarto del impuesto anual regular SE","selfEmploymentTax.socialSecurityWageBaseUsed":"Base salarial del Seguro Social utilizada","selfEmploymentTax.showTheMath":"Mostrar los cálculos","selfEmploymentTax.netEarningsAt9235":"Ganancias netas al 92.35 por ciento","selfEmploymentTax.formW2Box3Wages":"Salarios de la casilla 3 del Formulario W2 ingresados","selfEmploymentTax.wageBaseAvailableBeforeThis":"Base salarial disponible antes de esta estimación","selfEmploymentTax.socialSecurityTaxableSeEarnings":"Ganancias SE imponibles del Seguro Social","selfEmploymentTax.socialSecurityTaxAt12":"Impuesto del Seguro Social al 12.4 por ciento","selfEmploymentTax.medicareTaxAt29":"Impuesto de Medicare al 2.9 por ciento","selfEmploymentTax.regularScheduleSeTaxEstimate":"Estimación regular del impuesto del Anexo SE","selfEmploymentTax.enterYourIncomeToSee":"Ingresa tus ingresos para ver el desglose de impuestos.","selfEmploymentTax.keepYourRegularScheduleSe":"Mantén tu estimación de impuestos regular del Anexo SE.","selfEmploymentTax.setItAsideAutomatically":"Apártalo automáticamente","selfEmploymentTax.createANovoReserveFor":"Crea una Novo Reserve para impuestos y aparta este monto automáticamente cada vez que recibas un pago, gratis con tu cuenta.","selfEmploymentTax.createAReserveForTaxes":"Crea una Reserve para impuestos en segundos","selfEmploymentTax.taxPlanningAssistant":"Asistente de planificación fiscal","selfEmploymentTax.askAboutTheEstimateQuarterly":"Pregunta sobre la estimación, los pagos trimestrales o qué hablar con un profesional de impuestos.","selfEmploymentTax.hiICanHelpYou":"¡Hola! Puedo ayudarte a entender esta estimación de impuestos para trabajadores por cuenta propia. Ingresa tus ganancias y cualquier salario W2, luego pregunta sobre el desglose o cómo planificar tu apartado.","selfEmploymentTax.eGWhyDidMy":"Ej. ¿Por qué mis salarios W2 redujeron el impuesto del Seguro Social?","selfEmploymentTax.aiGeneratedGuidanceConfirmYour":"Orientación generada por IA. Confirma tu situación fiscal con un profesional calificado.","selfEmploymentTax.theFederalCalculation":"El cálculo federal","selfEmploymentTax.selfEmploymentTaxFundsSocial":"El impuesto de autoempleo financia el Seguro Social y Medicare.","selfEmploymentTax.federalEstimatedTaxIsUsually":"El impuesto federal estimado generalmente se paga cuatro veces al año.","selfEmploymentTax.keepMoreOfWhatYou":"Conserva más de lo que ganas","selfEmploymentTax.commonDeductionsToDiscussWith":"Deducciones comunes para hablar con un profesional de impuestos","selfEmploymentTax.giveTaxMoneyItsOwn":"Dale al dinero de los impuestos su propio lugar.","selfEmploymentTax.builtFromTheFederalWorksheet":"Basado en la hoja de trabajo federal, no en una tasa abreviada.","selfEmploymentTax.selfEmploymentTaxQuestions":"Preguntas sobre el impuesto de autoempleo","selfEmploymentTax.separateBusinessIncomeAndTax":"Separa los ingresos de tu negocio y los ahorros para impuestos desde el primer dÃa.","selfEmploymentTax.selfEmploymentTaxCalculator2026":"Calculadora de Impuesto de Autoempleo (2026) | Calcula lo que debes | Novo","selfEmploymentTax.estimate2026RegularScheduleSe":"Calcula el impuesto regular del Anexo SE de 2026 con el Seguro Social, Medicare, la parte trimestral anual y los montos reservados para todo el año. Gratis y sin necesidad de iniciar sesión.","selfEmploymentTax.free2026EstimateForIndependent":"Estimación gratis para 2026 para trabajadores independientes","selfEmploymentTax.builtForFreelancers":"Diseñado para freelancers","selfEmploymentTax.regularScheduleSeEstimateOnly":"Solo una estimación regular del Anexo SE. Excluye el impuesto federal y estatal sobre la renta, los créditos, las retenciones y el Impuesto Adicional de Medicare. Los montos reservados son promedios de año completo a partir de enero. No son pagos completos del Formulario 1040-ES.","selfEmploymentTax.selfEmploymentTaxOnlyFederal":"Solo impuesto sobre el trabajo por cuenta propia. El impuesto federal y estatal sobre la renta y el Impuesto Adicional de Medicare no están incluidos.","selfEmploymentTax.yourEnteredNetProfitIs":"Tu ganancia neta ingresada es cero o una pérdida, por lo tanto, esta estimación regular del impuesto del Anexo SE es de $0.","selfEmploymentTax.yourEstimatedNetEarningsAre":"Tus ganancias netas estimadas están por debajo del umbral habitual de $400 para el impuesto sobre el trabajo por cuenta propia.","selfEmploymentTax.fullYearAverageBeginningIn":"Promedio de año completo a partir de enero. El impuesto sobre la renta y el Impuesto Adicional de Medicare no están incluidos.","selfEmploymentTax.notACompleteQuarterlyForm":"No es un pago trimestral completo del Formulario 1040-ES.","selfEmploymentTax.adjustmentToIncomeNotA":"Ajuste a los ingresos, no un crédito fiscal o una reducción de la estimación regular del impuesto del Anexo SE.","selfEmploymentTax.socialSecurityWageBaseRemaining":"Base salarial del Seguro Social restante después de la estimación","selfEmploymentTax.socialSecurityMedicareQuarterlyAnd":"Los montos del Seguro Social, Medicare, trimestrales y por pago aparecerán aquà al instante.","selfEmploymentTax.employeesSplitTheseTaxesWith":"Los empleados dividen estos impuestos con un empleador. Las personas que trabajan por cuenta propia generalmente pagan ambas porciones a través del Anexo SE cuando sus ganancias netas alcanzan el umbral de presentación.","selfEmploymentTax.theseAreTheIrsCalendar":"Estas son las fechas del año calendario del IRS para el Formulario 1040-ES. Su pago estimado completo puede incluir el impuesto sobre la renta y otros montos más allá del impuesto sobre el trabajo por cuenta propia mostrado arriba.","selfEmploymentTax.goodRecordsCanHelpYou":"Buenos registros pueden ayudarte a reclamar deducciones comerciales legÃtimas y a entender qué gastos reducen las ganancias comerciales frente al impuesto sobre la renta.","selfEmploymentTax.createADedicatedNovoReserve":"Crea una Novo Reserve dedicada para impuestos para que el monto que apartas se mantenga separado del dinero operativo diario.","selfEmploymentTax.createAndNameAReserve":"Crea y nombra una Reserve para impuestos","selfEmploymentTax.itDoesNotCalculateFederal":"No calcula el impuesto federal o estatal sobre la renta, el impuesto adicional de Medicare, los créditos fiscales, los pagos de puerto seguro, las retenciones, las reglas especiales para agricultores o clérigos, ni todos los ajustes del Anexo SE.","selfEmploymentTax.openNovoToOrganizeIncome":"Abre Novo para organizar ingresos, gastos, facturas y el dinero que planeas enviar al IRS.","solo401k.maximumFlexibility":"Máxima flexibilidad","solo4
101k.simplerSetup":"Configuración más sencilla","solo401k.retirementContributionComparison":"Comparación de contribuciones para la jubilación de 2026","solo401k.useFormW2Box3":"Usa los salarios de la casilla 3 del Formulario W2 de este negocio. Más de $150,000 convierte las contribuciones de recuperación (catch up) de 2026 en Roth bajo la regla federal, si el plan permite la recuperación (catch up).","solo401k.putUpToTowardRetirement":"Aporta hasta {amount} para la jubilación.","solo401k.reviewPlanEligibilityAndEmployee":"Revisa la elegibilidad del plan y los costos para el empleado antes de elegir.","solo401k.aSolo401kMayBetter":"Un Solo 401(k) puede preservar mejor la flexibilidad de Roth indirecta (backdoor).","solo401k.contributionLimitsTieSoPlan":"Los lÃmites de contribución coinciden, asà que las caracterÃsticas del plan deciden.","solo401k.aSolo401kProvidesMore":"Un Solo 401(k) proporciona más espacio para la contribución del propietario bajo estos supuestos.","solo401k.aSepIraProvidesMore":"Un SEP IRA proporciona más espacio para la contribución del propietario después de tus otras aportaciones diferidas del plan.","solo401k.aSolo401kMayAllow":"Un Solo 401(k) puede permitir aportaciones diferidas Roth del empleado. Un SEP IRA utiliza contribuciones del empleador en lugar de la misma opción de aportación diferida del empleado.","solo401k.estimatedContributionDifference":"Diferencia de contribución estimada","solo401k.potentialExtraSolo401kContribution":"Contribución adicional potencial de Solo 401(k)","solo401k.potentialExtraSepIraContribution":"Contribución adicional potencial de SEP IRA","solo401k.theSelfEmployedEstimateSubtracts":"La estimación para trabajadores por cuenta propia resta {amount} como una parte deducible estimada del impuesto de trabajo por cuenta propia antes de calcular la compensación del plan.","solo401k.thisChoiceAppliesToThe":"Esta opción se aplica a la aportación diferida del empleado del Solo 401(k) y a la recuperación (catch up) elegible. Las contribuciones del empleador permanecen tradicionales en esta estimación.","solo401k.irsOneParticipant401kPlans":"Planes 401(k) de un participante del IRS","solo401k.irsSepContributionLimits":"LÃmites de contribución SEP del IRS","solo401k.irsPublication560":"IRS Publication 560","solo401k.irsNotice202567":"IRS Notice 2025-67","solo401k.irsForm8606Instructions":"Instrucciones del Formulario 8606 del IRS","solo401k.solo401K":"Solo 401(k)","solo401k.bestForMaximizingContributions":"Ideal para maximizar las contribuciones","solo401k.anOwnerOnlyBusinessCan":"Un negocio de un solo propietario puede combinar un aplazamiento del empleado con una contribución del empleador. También puede permitir aplazamientos de empleados Roth y contribuciones de recuperación basadas en la edad.","solo401k.higherPotentialAtModerateIncome":"Mayor potencial con ingresos moderados","solo401k.mayKeepPlanAssetsOutside":"Puede mantener los activos del plan fuera del cálculo prorrateado de la IRA","solo401k.moreSetupAndAnnualAdministration":"Más configuración y administración anual","solo401k.sepIra":"SEP IRA","solo401k.bestForSimpleAdministration":"Ideal para una administración sencilla","solo401k.theBusinessMakesTheContribution":"La empresa realiza la aportación. No hay aplazamiento regular del empleado ni aportación de recuperación, pero la configuración y la administración continua son generalmente más sencillas.","solo401k.employerContributionsOnly":"Solo aportaciones del empleador","solo401k.sameContributionRateForEligible":"Misma tasa de aportación para empleados elegibles","solo401k.sepIraBalanceGenerallyEnters":"El saldo de la SEP IRA generalmente se incluye en el cálculo prorrateado de la IRA.","solo401k.simpleIra":"SIMPLE IRA","solo401k.worthComparingWithEmployees":"Vale la pena comparar con los empleados","solo401k.aSimpleIraCanSuit":"Una SIMPLE IRA puede ser adecuada para un empleador pequeño que desea aplazamientos de empleados y aportaciones obligatorias del empleador sin operar un plan 401(k) completo.","solo401k.designedForSmallEmployers":"Diseñado para empleadores pequeños","solo4
101k.employeeDeferralsAllowed":"Aplazamientos de empleados permitidos","solo401k.lowerLimitsThanA401":"LÃmites más bajos que un 401(k)","solo401k.sharedAcross401KAnd":"Compartido entre planes 401(k) y 403(b)","solo401k.aboveTheRegularAnnualAdditions":"Por encima del lÃmite regular de aportaciones anuales","solo401k.enhancedCatchUpReplacesThe":"La aportación de recuperación mejorada reemplaza la cantidad de $8,000.","solo401k.employeePlusEmployerBeforeCatch":"Empleado más empleador, antes de la aportación de recuperación.","solo401k.annualCompensationCeilingForPlan":"LÃmite máximo de compensación anual para las fórmulas del plan","solo401k.canIContributeToBoth":"¿Puedes contribuir tanto a un Solo 401(k) como a un SEP IRA?","solo401k.youMayBeAbleTo":"Es posible que puedas mantener ambos, pero las contribuciones de la misma empresa generalmente comparten el lÃmite global de contribución definida. Abrir ambos no duplica el lÃmite máximo anual. Un profesional de planes de jubilación puede revisar múltiples planes y negocios relacionados.","solo401k.canASolo401K":"¿Puede un Solo 401(k) incluir empleados?","solo401k.aOneParticipant401K":"Un 401(k) de un solo participante generalmente cubre a un propietario de negocio sin empleados de derecho común, o al propietario y a su cónyuge. Contratar a un empleado elegible puede activar requisitos más amplios de participación en el plan y de pruebas.","solo401k.howAreSoleProprietorContributions":"¿Cómo se calculan las contribuciones de un propietario único?","solo401k.theIrsUsesAdjustedNet":"El IRS utiliza las ganancias netas ajustadas del trabajo por cuenta propia después de la parte deducible del impuesto sobre el trabajo por cuenta propia y la contribución misma. Para un plan con una tasa de empleador del 25 por ciento, la tasa reducida para un propietario autónomo es generalmente del 20 por ciento. Esta herramienta estima el ajuste deducible del impuesto sobre el trabajo por cuenta propia antes de aplicar esa tasa reducida.","solo401k.doRothSolo401K":"¿Las contribuciones a un Roth Solo 401(k) reducen los impuestos actuales?","solo401k.designatedRothEmployeeDeferralsGenerally":"Los aplazamientos de empleados Roth designados generalmente no reducen los ingresos imponibles actuales. Los aplazamientos de empleados tradicionales generalmente sà pueden. La comparación de planes principal asume contribuciones tradicionales para ambos planes para que la comparación sea equitativa. El tratamiento fiscal de tu Solo 401(k) aparece por separado después de los montos de las contribuciones.","solo401k.canASepIraAffect":"¿Puede una SEP IRA afectar una conversión Roth indirecta?","solo401k.traditionalSepIraBalancesAre":"Los saldos de SEP IRA tradicionales generalmente se incluyen con otros saldos de IRA tradicionales, SEP y SIMPLE en el cálculo prorrateado del Formulario 8606. Los activos de planes 401(k) calificados generalmente no se incluyen en ese saldo de IRA. Revisa tu situación completa de IRA con un profesional de impuestos antes de elegir un plan.","solo401k.whenAreContributionsDue":"¿Cuándo vencen las contribuciones?","solo401k.deadlinesDependOnThePlan":"Las fechas lÃmite dependen del tipo de plan, la estructura del negocio, los términos del plan y la declaración de impuestos. Las elecciones de aplazamiento de empleados y los depósitos de contribuciones pueden tener diferentes reglas de tiempo. Confirma las fechas de tu plan con su proveedor o un profesional de impuestos calificado.","solo401k.isThisCalculatorTaxOr":"¿Es esta calculadora un asesoramiento fiscal o de inversión?","solo401k.noItIsAnEducational":"No. Es una estimación educativa basada en reglas federales simplificadas y lÃmites de 2026. No evalúa la elegibilidad del plan, los empleados, los grupos controlados, otros planes de lugar de trabajo, los impuestos estatales, las opciones de inversión o cada ajuste de deducción.","solo401k.solo401KAndSep":"Calculadora de Solo 401(k) y SEP IRA","solo401k.compareEstimated2026Solo401":"Compara los lÃmites de contribución estimados para 2026 de Solo 401(k) y SEP IRA para un negocio de propietario único.","solo401k.higherContributionCeiling":"Mayor techo de contribución","solo4
101k.estimatedMaximumContribution":"Contribución máxima estimada","solo401k.employeeDeferral":"Diferimiento del empleado","solo401k.employerContribution":"Contribución del empleador","solo401k.catchUp":"Aportación de recuperación","solo401k.approxFederalReductionIfTraditional":"Reducción federal aprox. si es tradicional","solo401k.whereTheContributionCeilingsConverge":"Donde convergen los techos de contribución","solo401k.incomeAmount":"Ingresos de {amount}","solo401k.solo401KSepIra":"Calculadora de Solo 401(k) / SEP IRA","solo401k.findYourEstimated2026Contribution":"Encuentra tu techo de contribución estimado para 2026.","solo401k.retirementPlanAssistant":"Asistente de plan de jubilación","solo401k.employeeEligibilityWarning":"Un plan 401(k) de un participante generalmente no puede excluir a empleados elegibles de derecho común. Una SEP IRA puede exigir la misma tasa de contribución para los empleados elegibles. Las contribuciones de los empleados no se incluyen aquÃ.","solo401k.ownerSpouseEligibility":"Indicaste que el negocio pertenece únicamente al propietario y su cónyuge, lo cual puede cumplir los requisitos de un plan 401(k) de un participante, sujeto a las reglas del plan.","solo401k.form8606Warning":"Los saldos de una SEP IRA generalmente se incluyen en el cálculo prorrateado de IRA del Formulario 8606. Los activos de planes 401(k) calificados generalmente no se incluyen.","solo401k.askAboutTheContributionSplit":"Pregunta sobre el reparto de contribuciones, las diferencias entre planes o qué discutir con un profesional.","solo401k.hiICanHelpYou":"¡Hola! Puedo ayudarte a entender esta comparación de Solo 401(k) y SEP IRA. Ingresa los ingresos de tu negocio, luego pregunta sobre el desglose de las contribuciones o qué detalles del plan explorar.","solo401k.eGWhyIsThe":"p. ej. ¿Por qué el lÃmite del Solo 401(k) es más alto?","solo401k.aiGeneratedGuidanceConfirmPlan":"Orientación generada por IA. Confirma las reglas del plan con un profesional calificado.","solo401k.yourAgeAtYearEnd":"Tu edad al cierre del año","solo401k.estimatedFederalTaxRate":"Tasa impositiva federal estimada","solo401k.doYouHaveEmployeesOther":"¿Tienes empleados además de ti o tu cónyuge?","solo401k.doPretaxIrasOrBackdoor":"¿Te aplican las IRA antes de impuestos o las conversiones Roth indirectas?","solo401k.otherRetirementPlanInputs":"Otros datos del plan de jubilación","solo401k.2026RegularDeferralsAlreadyMade":"Aplazamientos regulares de 2026 ya realizados a otros planes","solo401k.2026CatchUpAlreadyMade":"Contribuciones de recuperación de 2026 ya realizadas a otros planes","solo401k.2025SocialSecurityWagesFrom":"Salarios de Seguridad Social de 2025 de este negocio","solo401k.your2026Comparison":"TU COMPARACIÃN DE 2026","solo401k.freeInstantEstimate":"Estimación instantánea gratuita","solo401k.whatYourAnswersSuggest":"LO QUE SUGIEREN TUS RESPUESTAS","solo401k.refineTheSolo401K":"AJUSTAR LA ESTIMACIÃN DEL SOLO 401(K)","solo401k.whenDoYouWantTo":"¿Cuándo quieres pagar impuestos?","solo401k.solo401KTaxTreatment":"Tratamiento fiscal del Solo 401(k)","solo401k.traditionalSoloAmount":"Monto tradicional del Solo 401(k)","solo401k.rothSoloAmount":"Monto Roth Solo","solo4
101k.approxCurrentFederalReduction":"Aprox. reducción federal actual","solo401k.yourComparison":"TU COMPARACIÃN","solo401k.enterYourIncomeToCompare":"Ingresa tus ingresos para comparar ambos planes.","solo401k.saveMoreStressLess":"Ahorra más, estrésate menos","solo401k.createANovoReserveAnd":"Crea una Novo Reserve y aparta tu contribución para el retiro automáticamente, cada vez que recibas un pago.","solo401k.createAReserveForRetirement":"Crea una Reserve para el retiro en segundos","solo401k.whichPlanFitsYourBusiness":"¿Qué plan se adapta a tu negocio?","solo401k.contributionRoomIsOnlyOne":"El margen de contribución es solo una parte de la decisión.","solo401k.2026FederalLimits":"LÃmites federales de 2026","solo401k.knowTheCeilingsBehindYour":"Conoce los topes detrás de tu estimado.","solo401k.limit":"LÃmite","solo401k.2026Amount":"Monto de 2026","solo401k.whatItMeans":"Qué significa","solo401k.giveRetirementMoneyItsOwn":"Dale al dinero para el retiro su propio lugar.","solo401k.currentLimitsTransparentMath":"LÃmites actuales, cálculos transparentes.","solo401k.solo401KAndSep2":"Preguntas sobre Solo 401(k) y SEP IRA","solo401k.organizeTodayWhileYouPlan":"Organiza hoy mientras planeas para mañana.","solo401k.solo401KSepIra2":"Calculadora de Solo 401(k) y SEP IRA (2026) | Estimador de Contribuciones Gratuito | Novo","solo4
101k.compareEstimated2026Solo4012":"Compara los lÃmites de contribución estimados para 2026 de Solo 401(k) y SEP IRA, las contribuciones del empleador, los montos de aportación adicional y los posibles ahorros fiscales.","solo401k.illustrativeAmountsBeforeAgeBased":"Cantidades ilustrativas antes de las contribuciones de recuperación (catch-up) basadas en la edad o de otras postergaciones de planes laborales.","solo401k.free2026RetirementContributionEstimate":"Estimación gratuita de contribución para la jubilación de 2026","solo401k.irsLimits2026":"LÃmites del IRS de 2026","solo401k.percentRate":"{rate} por ciento","solo401k.employerRateCappedExplanation":"Basado en {compensation} de compensación estimada del plan, limitado al máximo de {maximum} para 2026, y una tasa del empleador del {rate} por ciento.","solo401k.employerRateExplanation":"Basado en {compensation} de compensación estimada del plan y una tasa del empleador del {rate} por ciento.","solo401k.chooseHowYourBusinessPays":"Elige cómo te paga tu negocio, luego ingresa los ingresos utilizados por tu plan de jubilación.","solo401k.educationalFederalEstimateOnlyYour":"Solo una estimación federal educativa. Los términos de tu plan, tu compensación, tus empleados, los negocios relacionados, otros planes de jubilación y las deducciones fiscales exactas pueden cambiar el resultado.","solo401k.existingTraditionalSepOrSimple":"Los saldos existentes de IRA tradicional, SEP o SIMPLE ya pueden afectar el cálculo prorrateado de IRA.","solo401k.bothCardEstimatesAssumeAll":"Ambas estimaciones de tarjeta asumen todas las contribuciones tradicionales para una comparación equitativa. Los efectos fiscales federales se redondean a los $100 más cercanos y excluyen los impuestos estatales. Las contribuciones de recuperación (catch-up) Roth requeridas permanecen Roth.","solo401k.theCatchUpAmountIs":"El monto de recuperación (catch-up) se muestra como Roth porque los salarios de la casilla 3 del Formulario W2 de 2025 ingresados para este negocio patrocinador superan los $150,000.","solo401k.employeeDeferralEmployerContributionCatch":"El aplazamiento del empleado, la contribución del empleador, la recuperación (catch-up) y los ahorros fiscales estimados aparecerán aquà al instante.","solo401k.compareEligibilityAdministrationEmployeeRu":"Compara la elegibilidad, la administración, las reglas para empleados y el tratamiento fiscal antes de elegir un plan.","solo401k.theseDollarLimitsApplyBefore":"Estos lÃmites en dólares se aplican antes de la compensación especÃfica del plan, la elegibilidad y las fórmulas de contribución.","solo401k.createAndNameAReserve":"Crea y nombra una Reserve para la jub
1ilación","solo401k.theCalculatorUsesIrs2026":"La calculadora utiliza los lÃmites del IRS de 2026 y fórmulas federales simplificadas. Una estimación para corporaciones aplica una tasa del 25 por ciento para el empleador a los salarios W2. Una estimación para un propietario único o socio activo aplica la tasa reducida del 20 por ciento a las ganancias netas ajustadas.","solo401k.seeYourMaximumSolo401K":"Ve tus lÃmites máximos de contribución a Solo 401(k) y SEP IRA lado a lado, gratis y al instante.","solo401k.useNetEarningsBeforeYour":"Usa las ganancias netas antes de tu contribución al plan de jubilación. El estimado se ajusta por la parte deducible del impuesto sobre el trabajo por cuenta propia.","solo401k.useW2WagesFromThis":"Usa los salarios W2 de este negocio, no las distribuciones, dividendos o ganancias totales del negocio.","solo401k.includeEmployeeDeferralsToOther":"Incluye los aplazamientos de empleados a otros planes 401(k) y 403(b). El lÃmite regular es compartido.","solo401k.onceYouKnowHowMuch":"Una vez que sepas cuánto quieres contribuir, crea una Novo Reserve y mantén esa cantidad separada del efectivo operativo diario.","solo401k.theComparisonCardsApplyYour":"Las tarjetas de comparación aplican tu tasa federal seleccionada a una versión totalmente tradicional de cada estimado de contribución, luego redondean el resultado a los $100 más cercanos. El ajuste fiscal Solo refleja tu selección Roth. Todos los estimados excluyen impuestos estatales, créditos, fases de eliminación de ingresos e impuestos adeudados cuando se distribuye dinero tradicional.","solo401k.regularEmployeeDeferralsAndCatch":"Los aplazamientos regulares de empleados y las contribuciones de recuperación se reducen por los montos que ingresas de otros planes. Para un propietario corporativo elegible por edad, los salarios del Seguro Social de 2025 superiores a $150,000 hacen que las contribuciones de recuperación de 2026 sean Roth bajo la regla federal, sujeto a los términos del plan.","solo401k.openNovoToKeepOperating":"Abre Novo para mantener claros el efectivo operativo, los gastos y los objetivos de ahorro para la jubilación.","solo401k.ownerOnlyBusiness":"Negocio de propietario único","solo401k.flexibleAnnualFunding":"Financiamiento anual flexible","solo401k.employeeDeferral401K":"Aplazamiento de empleado 401(k)","solo401k.age50OrOlderCatchUp":"Aportación de recuperación para mayores de 50 años","solo401k.age60Through63CatchUp":"Aportación de recuperación para edades de 60 a 63 años","solo401k.regularAnnualAdditions":"Adiciones anuales regulares","solo401k.compensationConsidered":"Compensación considerada","solo401k.noOwnerAndSpouseOnly":"No, solo propietario y cónyuge","solo401k.yesIHaveEmployees":"SÃ, tengo empleados","solo401k.iPlanToHireEmployees":"Planeo contratar empleados","solo401k.neitherAppliesToMe":"Ninguno aplica a mÃ","solo401k.iHavePretaxIraBalances":"Tengo saldos IRA antes de impuestos","solo401k.iUseOrPlanToUse":"Uso o planeo usar un Roth de puerta trasera","solo4
101k.bothApplyToMe":"Ambos aplican a mÃ","sCorpLlc.theCalculationUsesASocial":"El cálculo de {year} utiliza una base salarial de Seguridad Social de {wageBase}, las tasas actuales de Seguridad Social y Medicare, el factor de ingresos por trabajo por cuenta propia del 92.35%, y una asignación anual de planificación de {allowance} para nómina y preparación de impuestos adicionales.","sCorpLlc.manyOwnersBeginExploringAn":"Muchos propietarios comienzan a explorar la elección de una S Corp cuando la ganancia anual constante alcanza aproximadamente entre $40,000 y $75,000. Eso es solo un punto de partida para la conversación. El umbral adecuado depende de un salario razonable, las reglas estatales, los costos de nómina y la situación fiscal completa del propietario.","sCorpLlc.enterAnnualNetProfitGreater":"Ingresa una ganancia neta anual mayor que cero.","sCorpLlc.enterAReasonableSalaryGreater":"Ingresa un salario razonable mayor que cero.","sCorpLlc.salaryCannotBeGreaterThan":"El salario no puede ser mayor que la ganancia neta anual.","sCorpLlc.resultSummaryCopied":"Resumen de resultados copiado.","sCorpLlc.copyEstimateTitle":"Estimación de S-Corp vs LLC para {year}","sCorpLlc.copyAnnualProfit":"Ganancia anual: {amount}","sCorpLlc.copyReasonableSalary":"Salario razonable: {amount}","sCorpLlc.copyDefaultLlcEmploymentTax":"Impuesto sobre el empleo de la LLC predeterminada: {amount}","sCorpLlc.copySCorpPayrollTax":"Impuesto sobre la nómina de la S Corp: {amount}","sCorpLlc.copyEstimatedAnnualBenefit":"Beneficio anual estimado después de los costos modelados: {amount}","sCorpLlc.copyFailedYouCanPrint":"Error al copiar. Puedes imprimir el resultado en su lugar.","sCorpLlc.seeHowMuchYouCould":"Descubre cuánto podrÃas ahorrar en impuestos siendo una S-Corp en lugar de seguir como LLC â estimación al instante, sin registrarte.","sCorpLlc.seeTheLlcAccountChecklist":"Consulta la lista de verificación de cuenta LLC","sCorpLlc.ssa2026WageBase":"Base salarial de la SSA 2026","sCorpLlc.irsReasonableCompensation":"Compensación razonable del IRS","sCorpLlc.californiaSCorporationTax":"Impuesto de S corporation en California","sCorpLlc.illinoisReplacementTax":"Impuesto de reemplazo de Illinois","sCorpLlc.newJerseySCorporationMinimum":"Impuesto mÃnimo de S corporation de Nueva Jersey","sCorpLlc.yourLlcMayBeThe":"Tu LLC podrÃa ser la opción más sencilla por ahora","sCorpLlc.anSCorpElectionMaySave":"Elegir ser una S Corp podrÃa ahorrarte alrededor de {amount} al año","sCorpLlc.anSCorpMayOfferModest":"Una S Corp podrÃa ofrecerte ahorros modestos","sCorpLlc.enterYourNumbersAndCalculate":"Ingresa tus números y calcula para ver los ajustes especÃficos del estado.","sCorpLlc.aSingleMemberLlcNormally":"Una LLC de un solo miembro normalmente declara las ganancias del negocio en la declaración del propietario. Aproximadamente el 92.35% de las ganancias netas generalmente está sujeto al impuesto sobre el trabajo por cuenta propia.","sCorpLlc.sCorpSalary":"Salario de S Corp","sCorpLlc.anOwnerWhoWorksIn":"Un propietario que trabaja en el negocio debe recibir una compensación razonable. El salario está sujeto a impuestos sobre la nómina.","sCorpLlc.sCorpDistributions":"Distribuciones de S Corp","sCorpLlc.remainingProfitMayBeDistributed":"Las ganancias restantes pueden distribuirse al propietario sin ser incluidas en el cálculo del impuesto sobre el empleo.","sCorpLlc.runPayroll":"Gestionar nómina","sCorpLlc.payYourselfOnARegular":"Págate a ti mismo con un horario regular, retén los impuestos sobre la nómina y presenta los informes de nómina.","sCorpLlc.documentReasonableCompensation":"Documenta la compensación razonable","sCorpLlc.useComparableMarketPayYour":"Usa la remuneración de mercado comparable, tus deberes, experiencia y tiempo en el negocio para respaldar el salario.","sCorpLlc.fileASeparateReturn":"Presenta una declaración separada","sCorpLlc.anSCorporationGenerallyFiles":"Una corporación S generalmente presenta el Formulario 1120-S y entrega a cada accionista un Anexo K-1.","sCorpLlc.keepCleanRecords":"Lleva registros claros","sCorpLlc.separateSalaryOwnerDistributionsBusiness":"Separa el salario, las distribuciones al propietario, los gastos comerciales y los gastos personales durante todo el año.","sCorpLlc.isAnLlcTheSame":"¿Es una LLC lo mismo que una S Corp?","sCorpLlc.noAnLlcIsA":"No. Una LLC es una entidad legal creada bajo la ley estatal. El estatus de corporación S es una elección fiscal federal que una LLC o corporación elegible puede hacer.","sCorpLlc.whatCountsAsAReasonable":"¿Qué se considera un salario razonable?","sCorpLlc.theIrsConsidersFactorsSuch":"El IRS considera factores como la capacitación, la experiencia, los deberes, el tiempo dedicado al negocio, los pagos a otros empleados y lo que pagan negocios comparables por un trabajo similar. No existe un porcentaje universal que califique automáticamente.","sCorpLlc.whenIsAnSCorp":"¿Cuándo vence la elección de S Corp?","sCorpLlc.form2553IsGenerallyDue":"El Formulario 2553 generalmente vence a más tardar dos meses y 15 dÃas después del comienzo del año fiscal en que la elección debe entrar en vigor. La exención por elección tardÃa puede estar disponible en algunas situaciones.","sCorpLlc.doesAnSCorpProvide":"¿Una S Corp ofrece más protección de responsabilidad que una LLC?","sCorpLlc.sCorporationStatusIsMainly":"El estatus de corporación S es principalmente una clasificación fiscal y no crea por sà mismo una nueva capa de protección de responsabilidad. Su entidad estatal, operaciones, contratos y seguros afectan la protección de responsabilidad.","sCorpLlc.doesThisCalculatorIncludeState":"¿Esta calculadora incluye impuestos estatales?","sCorpLlc.theCalculatorIncludesALimited":"La calculadora incluye un ajuste de planificación limitado para ciertos impuestos de corporación S a nivel estatal. No modela todos los impuestos estatales, municipales, de franquicia, de nómina o de presentación. Revise la nota estatal en su resultado y consulte a un profesional de impuestos.","sCorpLlc.noItIsAnEducational":"No. Es una estimación educativa basada en la información que usted ingresa y suposiciones simplificadas. Un CPA o abogado fiscal puede evaluar sus ingresos completos, deducciones, reglas estatales y elegibilidad.","sCorpLlc.sCorpVsLlcCalculator":"Calculadora S-Corp vs LLC","sCorpLlc.estimateTheEmploymentTaxDifference":"Calcula la diferencia en los impuestos sobre la nómina entre el tratamiento fiscal predeterminado de una LLC y la elección de una corporación S.","sCorpLlc.educationalEstimateOnlyConsultA":"Estimado solo con fines educativos. Consulte a un profesional de impuestos calificado.","sCorpLlc.free2026EstimateForBusiness":"Estimado gratuito para 2026 para dueños de negocios","sCorpLlc.startWithTheProfitYour":"Comienza con las ganancias que tu negocio retiene.","sCorpLlc.estimatedAnnualNetProfit":"Ganancia neta anual estimada","sCorpLlc.yourIndustryOrRole":"Tu industria o rol","sCorpLlc.salaryYouPayYourselfReasonable":"Salario que te pagas a ti mismo (salario razonable)","sCorpLlc.businessState":"Estado del negocio","sCorpLlc.taxFilingStatus":"Estado de declaración de impuestos","sCorpLlc.keepSalaryAndProfitSeparate":"Mantén el salario y las ganancias separados","sCorpLlc.onceYouKnowYourStructure":"Una vez que conozcas tu estructura, abre la cuenta Novo diseña
1da para dueños de LLC â documentos, ayuda con el EIN y sin tarifas mensuales.","sCorpLlc.builtForLlcAndS":"Diseñado para propietarios de LLC y S-Corp","sCorpLlc.knowExactlyWhatDocumentsYou":"Conoce exactamente qué documentos necesitas para abrir","sCorpLlc.theImportantDistinction":"La distinción importante","sCorpLlc.anLlcIsALegal":"Una LLC es una entidad legal. Una S Corp es una elección fiscal.","sCorpLlc.whenMightItMakeSense":"¿Cuándo conviene?","sCorpLlc.profitCreatesRoomBetweenSalary":"Las ganancias crean espacio entre el salario y las distribuciones.","sCorpLlc.theOperationalSide":"El lado operativo","sCorpLlc.whatItTakesToRun":"Lo que se necesita para operar una S Corp","sCorpLlc.onceYouDecide":"Una vez que decidas","sCorpLlc.keepBusinessAndPersonalMoney":"Mantén separados el dinero del negocio y el personal.","sCorpLlc.builtForAUsefulEstimate":"Diseñado para una estimación útil, no para una declaración de impuestos.","sCorpLlc.sCorpAndLlcQuestions":"Preguntas sobre S-Corp y LLC","sCorpLlc.builtForLlcOwners":"Diseñado para propietarios de LLC","sCorpLlc.putYourBusinessStructureInto":"Pon en práctica tu estructura empresarial.","sCorpLlc.sCorpVsLlcCalculator2":"Calculadora de S-Corp vs LLC: Estimador Gratuito de Ahorros Fiscales (2026)","sCorpLlc.compareEstimatedSelfEmploymentAnd":"Compara los impuestos estimados sobre el trabajo por cuenta propia y la nómina para el tratamiento fiscal predeterminado de una LLC frente a una elección de corporación S. Estimación gratuita para 2026 sin necesidad de registrarse.","sCorpLlc.plainEnglishResults":"Resultados en lenguaje sencillo","sCorpLlc.yourNumbersStayInYour":"Tus números permanecen en tu navegador","sCorpLlc.useAnnualNetProfitAfter":"Usa la ganancia neta anual después de los gastos operativos habituales, pero antes de pagarte a ti mismo.","sCorpLlc.calculateMyEstimate":"Calcular mi estimación","sCorpLlc.educationalEstimateOnlyThisCalculator":"Estimación con fines educativos únicamente. Esta calculadora no incluye el impuesto federal sobre la renta, todos los impuestos estatales o locales, créditos, deducciones, contribuciones de jubilación u otros ingresos del hogar. Consulte a un CPA o abogado fiscal antes de tomar una decisión.","sCorpLlc.youCanKeepYourLlc":"Puedes mantener tu LLC y pedirle al IRS que la grave como una corporación S. Los ahorros potenciales provienen de cómo se aplican los impuestos sobre el empleo al salario y las distribuciones del propietario.","sCorpLlc.ifAMarketRateSalary":"Si un salario a precio de mercado consumiera casi todas las ganancias del negocio, podrÃa quedar poca distribución para generar ahorros en impuestos sobre el empleo.","sCorpLlc.openAFreeNovoAccount":"Abre una cuenta Novo gratuita en minutos","sCorpLlc.aDedicatedBusinessCheckingAccount":"Una cuenta de cheques empresarial dedicada facilita la documentación de salarios, distribuciones, impuestos y gastos operativos durante todo el año.","sCorpLlc.reservesForTaxesPayrollAnd":"Reservas para impuestos, nómina y ganancias","sCorpLlc.invoicingAndPaymentToolsIncluded":"Herramientas de facturación y pago incluidas","sCorpLlc.itDoesNotModelFederal":"No modela el impuesto federal sobre la renta, la deducción por ingresos comerciales calificados, otros salarios W-2, los impuestos federales o estatales de desempleo, todos los impuestos estatales o locales, las contribuciones para la jubilación o los créditos fiscales. Los ajustes estatales son estimaciones de planificación limitadas basadas en las tasas y mÃnimos estatales oficiales.","sCorpLlc.openNovoToSeparateBusiness":"Abre Novo para separar el dinero de tu negocio, organizar tus impuestos, enviar facturas y administrar los ingresos que genera tu negocio.","invoiceGenerator.instantPdf":"PDF instantáneo","invoiceGenerator.termDueOnReceipt":"A pagar al recibir","invoiceGenerator.termNet7":"Neto 7","invoiceGenerator.termNet15":"Neto 15","invoiceGenerator.termNet30":"Neto 30","invoiceGenerator.termNet60":"Neto 60","invoiceGenerator.laborAndMaterials":"Mano de obra y materiales","invoiceGenerator.creativeServices":"Servicios creativos","invoiceGenerator.productsAndServices":"Productos y servicios","invoiceGenerator.servicesProvided":"Servicios prestados","invoiceGenerator.enterYourBusinessName":"Ingresa el nombre de tu negocio.","invoiceGenerator.enterAClientName":"Ingresa el nombre de un cliente.","invoiceGenerator.addOneCompleteLineItem":"Agrega una partida completa.","invoiceGenerator.completeTheRequiredFieldsBefore":"C
1ompleta los campos obligatorios antes de descargar.","invoiceGenerator.yourInvoicePdfHasDownloaded":"Tu PDF de factura se ha descargado.","invoiceGenerator.weCouldNotGenerateThe":"No pudimos generar el PDF. Intenta de nuevo.","invoiceGenerator.discountPercent":"Descuento %","invoiceGenerator.discountAmount":"Monto del descuento","invoiceGenerator.creatingPdf":"Creando PDFâ¦","invoiceGenerator.achPaymentDetails":"Detalles de pago ACH","invoiceGenerator.routingNumber":"Número de ruta","invoiceGenerator.accountNumber":"Número de cuenta","invoiceGenerator.taxAmount":"Monto del impuesto","invoiceGenerator.freeInvoiceGenerator":"Generador de Facturas Gratis","invoiceGenerator.createAProfessionalInvoiceOnline":"Crea una factura profesional en lÃnea y descárgala como PDF en minutos. Gratis, ilimitado y sin necesidad de registrarte.","invoiceGenerator.freelancerConsultant":"Profesional independiente / Consultor","invoiceGenerator.professionalServicesAndProjectWork":"Servicios profesionales y trabajo por proyectos","invoiceGenerator.contractorTrades":"Contratista / Oficios","invoiceGenerator.laborMaterialsAndServiceCalls":"Mano de obra, materiales y llamadas de servicio","invoiceGenerator.creativeAgency":"Creativo / Agencia","invoiceGenerator.designProductionAndRetainers":"Diseño, producción y anticipos","invoiceGenerator.retailEcommerce":"Comercio minorista / Comercio electrónico","invoiceGenerator.productsDeliveryAndWholesaleOrders":"Productos, entrega y pedidos al por mayor","invoiceGenerator.other":"Otro","invoiceGenerator.startWithAFlexibleBlank":"Empieza con una factura en blanco flexible","invoiceGenerator.addYourDetails":"Añade tus datos","invoiceGenerator.enterYourBusinessAndClient":"Introduce la información de tu negocio y de tu cliente para que todos sepan quién factura a quién.","invoiceGenerator.listTheWork":"Detalla el trabajo","invoiceGenerator.addEachServiceOrProduct":"Añade cada servicio o producto con su cantidad y tarifa. Los totales se actualizan automáticamente.","invoiceGenerator.setPaymentTerms":"Establece las condiciones de pago","invoiceGenerator.chooseADueDateAccepted":"Elige una fecha de vencimiento, los métodos de pago aceptados e instrucciones claras para recibir el pago.","invoiceGenerator.downloadThePdf":"Descarga el PDF","invoiceGenerator.reviewTheLivePreviewAnd":"Revisa la vista previa en vivo y descarga una factura profesional sin crear una cuenta.","invoiceGenerator.whenYouSentTheInvoice":"Cuándo envi
1aste la factura y cuándo se espera el pago.","invoiceGenerator.aClearDescriptionQuantityRate":"Una descripción clara, cantidad, tarifa y el importe para cada artÃculo.","invoiceGenerator.anyTaxDiscountOrShipping":"Cualquier impuesto, descuento o importe de envÃo aplicado al total.","invoiceGenerator.helpfulContextLateFeeTerms":"Contexto útil, términos de cargos por pago tardÃo o un simple agradecimiento.","invoiceGenerator.isThisInvoiceGeneratorReally":"¿Es este generador de facturas realmente gratis?","invoiceGenerator.yesYouCanCreateAnd":"SÃ. Puedes crear y descargar facturas PDF ilimitadas sin registrarte ni instalar software.","invoiceGenerator.whatInformationShouldAnInvoice":"¿Qué información debe incluir una factura?","invoiceGenerator.includeYourBusinessDetailsClient":"Incluye los datos de tu negocio, los datos del cliente, un número de factura único, fechas de emisión y vencimiento, cargos detallados, impuestos o descuentos, el total a pagar e instrucciones de pago claras.","invoiceGenerator.canICreateAnInvoice":"¿Puedo crear una factura para un cliente internacional?","invoiceGenerator.yesChooseTheCurrencyYou":"SÃ. Elige la moneda que acordaste usar y haz explÃcitas tus instrucciones de pago. Confirma cualquier requisito fiscal y bancario que aplique a tu negocio y a tu cliente.","invoiceGenerator.whatIsTheDifferenceBetween":"¿Cuál es la diferencia entre una factura y un recibo?","invoiceGenerator.anInvoiceRequestsPaymentFor":"Una factura solicita el pago por trabajos o productos. Un recibo confirma que el pago ya se realizó.","invoiceGenerator.howCanIGetInvoices":"¿Cómo puedo cobrar las facturas más rápido?","invoiceGenerator.sendInvoicesPromptlyUseA":"EnvÃa las facturas a tiempo, usa una fecha de vencimiento especÃfica, ofrece métodos de pago convenientes y haz un seguimiento antes de que una factura venza. Los titulares de cuentas Novo también pueden rastrear la actividad de las facturas y enviar recordatorios automáticos.","invoiceGenerator.freeToolForSmallBusinesses":"Herramienta gratuita para pequeños negocios","invoiceGenerator.invoiceBuilder":"Creador de facturas","invoiceGenerator.whoIsThisInvoiceFrom":"¿De quién es esta factura?","invoiceGenerator.businessName":"Nombre del negocio *","invoiceGenerator.businessEmail":"Correo electrónico del negocio","invoiceGenerator.helloNorthstarCom":"[email protected]","invoiceGenerator.123MainStreetBrooklynNy":"123 Main Street, Brooklyn, NY 11201","invoiceGenerator.phone":"Teléfono","invoiceGenerator.whoAreYouBilling":"¿A quién le facturas?","invoiceGenerator.clientName":"Nombre del cliente *","invoiceGenerator.acmeCompany":"Acme Company","invoiceGenerator.billingAcmeCom":"[email protected]","invoiceGenerator.456MarketStreetAustinTx":"456 Market Street, Austin, TX 78701","invoiceGenerator.invoiceNumber":"Número de factura","invoiceGenerator.whatAreYouBillingFor":"¿Qué estás facturando?","invoiceGenerator.percent":"Porcentaje","invoiceGenerator.flatAmount":"Monto fijo","invoiceGenerator.shippingCost":"Costo de envÃo","invoiceGenerator.howShouldYourClientPay":"¿Cómo debe pagar tu cliente?","invoiceGenerator.custom":"Personalizado","invoiceGenerator.acceptedPaymentMethods":"Métodos de pago aceptados","invoiceGenerator.routingNumberOptional":"Número de ruta (opcional)","invoiceGenerator.9Digits":"9 dÃgitos","invoiceGenerator.accountNumberOptional":"Número de cuenta (opcional)","invoiceGenerator.upTo17Digits":"Hasta 17 dÃgitos","invoiceGenerator.invoicePreviewAndTotal":"Vista previa de factura y total","invoiceGenerator.livePreview":"Vista previa en vivo","invoiceGenerator.updatesAsYouType":"Se actualiza a medida que escribes","invoiceGenerator.neverChaseAPaymentAgain":"OlvÃdate de perseguir pagos","invoiceGenerator.seeWhenThisInvoiceIs":"Ve cuándo se abre esta factura, recibe recordatorios de pago automáticos y acepta ACH, tarjeta o PayPal, todo gratis.","invoiceGenerator.addYourLogoAndCustomize":"Agrega tu logo y personaliza facturas","invoiceGenerator.acceptAchCardAndPaypal":"Acepta pagos ACH, con tarjeta y con PayPal","invoiceGenerator.fromBlankPageToPaid":"De la página en blanco a que te paguen","invoiceGenerator.howToFillOutYour":"Cómo llenar tu factura","invoiceGenerator.invoiceChecklist":"Lista de verificación de factura","invoiceGenerator.knowWhenItIsOpened":"Sabe cuándo se abre. Cobra sin tener que hacer seguimiento.","invoiceGenerator.invoiceGeneratorQuestions":"Preguntas del generador de facturas","invoiceGenerator.builtForGettingPaid":"Diseñado para cobrar","invoiceGenerator.moveFromOneFreeInvoice":"Pasa de una factura gratuita a tu sistema de pagos completo.","invoiceGenerator.freeInvoiceGeneratorCreateDownload":"Generador de facturas gratuito â Crea y descarga facturas en lÃnea","invoiceGenerator.createAndDownloadAProfessional":"Crea y descarga una factura profesional en minutos. Sin registro, sin software que instalar.","invoiceGenerator.freeAndUnlimited":"Gratuito e ilimitado","invoiceGenerator.yourDetailsStayInYour":"Tus datos permanecen en tu navegador","invoiceGenerator.weWillSuggestUsefulLine":"Te sugeriremos partidas útiles, condiciones y métodos de pago.","invoiceGenerator.addTheInformationYourClient":"Agrega la información que tu cliente debe ver en la factura.","invoiceGenerator.addYourClientAndInvoice":"Agrega los detalles de tu cliente y de la factura.","invoiceGenerator.makeTheNextStepClear":"Deja claro el siguiente paso para evitar demoras.","invoiceGenerator.theseDetailsStayInYour":"Estos detalles permanecen en tu navegador. Solo agrega la información bancaria que te sientas cómodo compartiendo con este cliente.","invoiceGenerator.whatToIncludeOnEvery":"Qué incluir en cada factura","invoiceGenerator.aGoodInvoiceAnswersThe":"Una buena factura responde las preguntas del cliente antes de que tenga que hacerlas y le da un siguiente paso obvio.","invoiceGenerator.invoiceSentWhatHappensNext":"Factura enviada. ¿Qué sigue?","invoiceGenerator.novoTurnsAStaticInvoice":"Novo convierte una factura estática en un flujo de trabajo de pago completo con seguimiento de apertura, recordatorios automáticos y pagos en lÃnea.","invoiceGenerator.openANovoBusinessChecking":"Abre una cuenta Novo Business Checking.","invoiceGenerator.sendUnlimitedBrandedInvoices":"EnvÃa facturas ilimitadas con tu marca.","invoiceGenerator.acceptAchCardAndPaypal2":"Acepta ACH, tarjeta y PayPal.","invoiceGenerator.trackOpensAndAutomateReminders":"Haz seguimiento de las aperturas y automatiza los recordatorios.","invoiceGenerator.keepPaymentsAndBookkeepingTogether":"Mantén los pagos y la contabilidad juntos.","invoiceGenerator.openANovoAccountTo":"Abre una cuenta Novo para crear facturas con tu marca, hacer seguimiento de los pagos y administrar el dinero cuando llegue.","invoiceGenerator.addServicesOrProducts":"Agrega servicios o productos. El total de tu factura
1se actualiza a medida que escribes.","invoiceGenerator.pleaseIncludeTheInvoiceNumber":"Por favor, incluye el número de factura con tu pago.","invoiceGenerator.thankYouForYourBusiness":"Gracias por tu negocio.","invoiceGenerator.businessDetails":"Detalles del negocio","invoiceGenerator.yourBusinessNameAddressAnd":"El nombre, dirección e información de contacto de tu negocio.","invoiceGenerator.clientDetails":"Detalles del cliente","invoiceGenerator.thePersonOrCompanyResponsible":"La persona o empresa responsable del pago.","invoiceGenerator.aUniqueNumberThatMakes":"Un número único que facilita el seguimiento de cada factura.","invoiceGenerator.issueAndDueDates":"Fechas de emisión y vencimiento","invoiceGenerator.taxesAndDiscounts":"Impuestos y descuentos","invoiceGenerator.howAndWhereTheClient":"Cómo y dónde el cliente debe enviar el pago.","invoiceGenerator.notesAndTerms":"Notas y términos","profitLoss.lineDescriptionLabel":"{category} descripción {number}","profitLoss.lineAmountLabel":"{category} monto {number}","profitLoss.removeLine":"Eliminar lÃnea {number} de {category}","profitLoss.buildACleanPlIn":"Genera un P&L claro en minutos. Agrega tus ingresos y gastos y obtén un estado de cuenta instantáneo y descargable.","profitLoss.percentNetMargin":"{percent} por ciento de margen neto","profitLoss.downloadCsv":"Descargar CSV","profitLoss.aPlSummarizesRevenueDirect":"Un P&L resume los ingresos, los costos directos y los gastos operativos durante un perÃodo especÃfico. Muestra si el negocio obtuvo ganancias o registró pérdidas, y a dónde fue el dinero.","profitLoss.plAndCashFlowReporting":"Informes de P&L y flujo de efectivo","profitLoss.resultStatement":"estado de resultados","profitLoss.moneyEarnedFromSalesOr":"Dinero obtenido de ventas o servicios durante el perÃodo del informe, antes de restar los costos.","profitLoss.costOfGoodsSold":"Costo de bienes vendidos","profitLoss.directCostsRequiredToDeliver":"Costos directos necesarios para entregar lo que vendiste, como inventario, materiales o cumplimiento.","profitLoss.costsThatKeepTheBusiness":"Costos que mantienen el negocio en funcionamiento, incluyendo alquiler, nómina, software, seguros y marketing.","profitLoss.netProfitOrLoss":"Ganancia o pérdida neta","profitLoss.whatRemainsAfterDirectCosts":"Lo que queda después de restar los costos directos y los gastos operativos de los ingresos.","profitLoss.isAProfitAndLoss":"¿Es un estado de ganancias y pérdidas lo mismo que un estado de resultados?","profitLoss.yesProfitAndLossStatement":"SÃ. Estado de ganancias y pérdidas, P&L y estado de resultados describen comúnmente el mismo informe financiero que muestra ingresos, gastos y ganancia neta durante un perÃodo.","profitLoss.howOftenShouldICreate":"¿Con qué frecuencia debo crear un P&L?","profitLoss.manyOwnersReviewAP":"Muchos propietarios revisan un P&L mensualmente y también preparan versiones trimestrales y anuales. Un calendario regular facilita la detección de tendencias y mantiene los registros listos para impuestos, prestamistas y planificación.","profitLoss.doServiceBusinessesNeedCost":"¿Las empresas de servicios necesitan el costo de bienes vendidos?","profitLoss.notAlwaysAServiceBusiness":"No siempre. Una empresa de servicios puede no tener costo de bienes vendidos, o puede incluir costos directos de entrega como contratistas y materiales de trabajo. Deja la sección en blanco cuando no aplique.","profitLoss.whatIsTheDifferenceBetween":"¿Cuál es la diferencia entre flujo de caja y ganancia?","profitLoss.profitMeasuresRevenueMinusRecognized":"La ganancia mide los ingresos menos los gastos reconocidos durante un perÃodo. El flujo de caja rastrea cuándo el dinero realmente entra y sale del negocio. Un negocio rentable aún puede tener escasez de efectivo cuando los clientes pagan tarde o cuando vencen primero las facturas grandes.","profitLoss.canIUseThisStatement":"¿Puedo usar este estado de cuenta para una solicitud de préstamo?","profitLoss.thePdfAndCsvCan":"El PDF y el CSV pueden ayudarte a organizar tus cifras, pero un prestamista podrÃa requerir un estado de cuenta preparado o revisado bajo reglas contables especÃficas. Confirma el formato y la documentación requeridos con el prestamista.","profitLoss.isThisAccountingOrTax":"¿Esto es asesoramiento contable o fiscal?","profitLoss.noThisToolPerformsSimple":"No. Esta herramienta realiza aritmética simple usando las entradas que tú proporcionas. Un contador o profesional de impuestos calificado puede determinar el método contable, el momento y las categorÃas correctas para tu negocio.","profitLoss.profitAndLossStatementGenerator":"Generador de estado de resultados","profitLoss.buildAFreeProfitAnd":"Crea un estado de resultados gratuito con totales en vivo y descargas en PDF o CSV.","profitLoss.unableToSendYourStatement":"No se pudo enviar tu estado de cuenta","profitLoss.profitAndLossStatement":"Estado de resultados","profitLoss.viewStatement":"Ver estado de cuenta","profitLoss.buildYourStatement":"CREA TU ESTADO DE CUENTA","profitLoss.turnYourBusinessActivityInto":"Convierte la actividad de tu negocio en un P&L claro","profitLoss.pnlAssistant":"Asistente de P&L","profitLoss.askAboutCategoriesMarginsOr":"Pregunta sobre categorÃas, márgenes o qué discutir con un contador.","profitLoss.hiICanHelpYou":"¡Hola! Puedo ayudarte a organizar este estado de ganancias y pérdidas. Agrega tus ingresos y gastos, luego pregunta sobre categorÃas, totales o preguntas para llevar a tu contador.","profitLoss.eGIsThisSoftware":"Ej. ¿Es este costo de softw
1are un gasto operativo?","profitLoss.aiGeneratedGuidanceConfirmAccounting":"Orientación generada por IA. Confirme el tratamiento contable con un profesional calificado.","profitLoss.reportingPeriodStarts":"Inicio del perÃodo del informe","profitLoss.reportingPeriodEnds":"Fin del perÃodo del informe","profitLoss.revenueAndSales":"Ingresos y ventas","profitLoss.moneyEarnedBeforeSubtractingCosts":"Dinero ganado antes de restar los costos.","profitLoss.optionalForServiceBusinessesEnter":"Opcional para negocios de servicios. Ingresa solo los costos directos de entrega.","profitLoss.costsThatKeepTheBusiness2":"Costos que mantienen el negocio en funcionamiento.","profitLoss.liveStatement":"ESTADO DE CUENTA EN VIVO","profitLoss.atAGlance":"De un vistazo","profitLoss.totalCosts":"Costos totales","profitLoss.netResult":"Resultado neto","profitLoss.keepACopyOfThis":"Guarda una copia de este estado de cuenta","profitLoss.letNovoBookkeepingDoThis":"Deja que Novo Bookkeeping haga esto","profitLoss.novoBookkeepingGeneratesYourP":"Novo Bookkeeping genera tus estados de resultados, informes fiscales y flujo de efectivo automáticamente a partir de tus transacciones reales, gratis con tu cuenta.","profitLoss.novoBookkeepingBuildsYourP":"Novo Bookkeeping crea tu estado de resultados automáticamente","profitLoss.everyTransactionAutoCategorizedFor":"Cada transacción categorizada automáticamente para ti","profitLoss.theBusinessHealthSnapshot":"La radiografÃa de la salud de tu negocio","profitLoss.whatIsAProfitAnd":"¿Qué es un estado de resultados?","profitLoss.youBuiltThisOneBy":"Tú creaste este a mano","profitLoss.letNovoBookkeepingBuildThe":"Deja que Novo Bookkeeping cree el siguiente","profitLoss.profitAndLossStatementQuestions":"Preguntas sobre el estado de resultados","profitLoss.knowWhereYourBusinessStands":"Conoce dónde está tu negocio","profitLoss.freeProfitAndLossStatement":"Generador gratuito de estados de resultados | Herramienta de estados de resultados instantánea | Novo","profitLoss.buildAFreeProfitAnd2":"Crea un estado de resultados gratuito con totales en tiempo real, categorÃas especÃficas para tu negocio, descargas en PDF y CSV, y sin necesidad de registrarte.","profitLoss.freeStatementBuilderForSmall":"Generador de estados de cuenta gratis para pequeñas empresas","profitLoss.pdfAndCsvDownloads":"Descargas en PDF y CSV","profitLoss.thePresetFillsInRelevant":"La plantilla preestablecida completa las categorÃas relevantes. Puedes renombrar, añadir o eliminar cada lÃnea.","profitLoss.educationalBuilderOnlyThisStatement":"Solo generador educativo. Este estado de cuenta utiliza las cifras y categorÃas que usted ingresa y no aplica un método contable especÃfico ni verifica sus registros.","profitLoss.addRevenueThenEnterAt":"Añade ingresos, luego ingresa al menos un costo o gasto para desbloquear las descargas y el correo electrónico. Ingresa 0 si tu negocio no tuvo costos ni gastos durante este perÃodo.","profitLoss.novoBookkeepingCategorizesTransactionsAnd":"Novo Bookkeeping categoriza las transacciones y mantiene tus Financial Insights actualizados, para que tus ganancias y pérdidas y tus principales gastos estén listos cuando los necesites.","paymentSpeed.medianTimeToGetPaid":"Tiempo promedio para recibir pagos","paymentSpeed.75OfInvoicesPaidWithin":"75% de las facturas pagadas en un plazo de","paymentSpeed.paidWithin2Days":"Pagadas en 2 dÃas","paymentSpeed.typicallyByCard":"TÃpicamente con tarjeta","paymentSpeed.paidAfterTheStatedDue":"Pagado después de la fecha de vencimiento indicada","paymentSpeed.howLongSmallBusinessesTake":"Cuánto tiempo tardan las pequeñas empresas en cobrar (2026)","paymentSpeed.medianDaysToGetPaid":"DÃas promedio para cobrar una factura para pequeñas empresas de EE. UU., por industria, a partir de datos de facturación anonimizados de Novo.","paymentSpeed.howLongDoesItTake":"Cuánto tiempo tardas en cobrar?","paymentSpeed.8Days":"8 dÃas","paymentSpeed.24Days":"24 dÃas","paymentSpeed.daysToGetPaidBy":"DÃas para cobrar, por industria","paymentSpeed.getPaidFaster":"Cobra más rápido","paymentSpeed.invoiceInSecondsAndAccept":"Factura en segundos y acepta pagos con tarjeta y ACH, para que el dinero llegue directamente a tu cuenta de cheques comercial.","paymentSpeed.howLongDoSmallBusinesses":"¿Cuánto tiempo les toma a las pequeñas empresas cobrar? (Datos de 2026)","paymentSpeed.free2026DataTheMedian":"Datos gratuitos de 2026: la pequeña empresa promedio cobra en 8 dÃas. Consulta los dÃas para cobrar por industria, a partir de datos de facturación anonimizados de Novo.","paymentSpeed.basedOnAnonym
1izedInvoicing":"Según la actividad de facturación anonimizada de pequeñas empresas en Novo, la empresa promedio recibe pagos en {days} â pero varÃa mucho según la industria.","paymentSpeed.invoicesCreatedJanuary2026":"Facturas creadas a partir de enero de 2026. «Pagos atrasados» refleja que muchas empresas establecen plazos muy cortos â incluso con vencimiento al recibo.","paymentSpeed.medianDaysToGetPaidHeader":"DÃas promedio para recibir el pago","paymentSpeed.percentPaidAfterDue":"% pagado después de la fecha de vencimiento","paymentSpeed.2026PaymentSpeedReport":"Informe de velocidad de pagos 2026","paymentSpeed.keywordDaysToGetPaid":"dÃas para recibir el pago","paymentSpeed.keywordInvoicePaymentTime":"tiempo de pago de facturas","paymentSpeed.keywordLatePayments":"pagos atrasados","paymentSpeed.keywordAccountsReceivable":"cuentas por cobrar","paymentSpeed.keywordSmallBusiness":"pequeña empresa","pricingBenchmark.novoSmbPricingBenchmark2026":"Referencia de Precios para PYMES de Novo 2026","pricingBenchmark.medianJobInvoiceSizeAnd":"Tamaño promedio de trabajo/factura y tarifas de mano de obra por hora para pequeñas empresas de EE. UU. en oficios y servicios profesionales, por segmento y región. Fuente: datos de facturación anonimizados de Novo.","pricingBenchmark.tradesAndFieldServices":"Oficios y servicios de campo","pricingBenchmark.regionalPriceIndex":"Ãndice de precios regional","pricingBenchmark.runYourOwnNumbers":"Haz tus propios cálculos","pricingBenchmark.priceYourNextJobWith":"Cotiza tu próximo trabajo con confianza, luego factura y cobra con una cuenta de cheques comercial de Novo.","pricingBenchmark.smallBusinessPricingBenchmark2026":"Referencia de precios para pequeñas empresas 2026 â Oficios y servicios profesionales","pricingBenchmark.free2026PricingBenchmarkMedian":"Referencia de precios gratuita 2026: tamaño de trabajo promedio y tarifas por hora para pequeñas empresas de EE. UU. en oficios y servicios profesionales, por segmento y región. Basado en datos de facturación anonimizados de Novo.","pricingBenchmark.whatDoSmallBusinessesActually":"¿Qué cobran realmente las pequeñas empresas?","pricingBenchmark.aPricingBenchmarkBuiltFrom":"Una referencia de precios creada a partir de la actividad de facturación anonimizada y agregada por pequeñas empresas en Novo â que cubre tanto oficios y servicios de campo, como servicios profesionales.","pricingBenchmark.indexBasedOnMedianInvoice":"Ãndice basado en el costo promedio por partida de factura en todos los segmentos.","pricingBenchmark.typicalJobSizeLabor":"Tamaño de trabajo tÃpico y tarifas laborales por segmento","pricingBenchmark.mediansFromAnonymizedNovo":"Medianas de datos de facturación anonimizados de Novo, junio de 2026. «Trabajo tÃpico» es el total de factura promedio para ese segmento.","pricingBenchmark.howMedianPricingVaries":"Cómo varÃa el precio promedio por región del Censo de EE. UU. (mediana nacional = 1.00).","pricingBenchmark.segment":"Segmento","pricingBenchmark.typicalJobMedian":"Trabajo tÃpico (mediana)","pricingBenchmark.typicalRangeP25P75":"Rango tÃpico (p25âp75)","pricingBenchmark.laborHr":"Mano de obra / hr","pricingBenchmark.priceIndexUsMedian":"Ãndice de precios (mediana de EE. UU. = 1.00)","pricingBenchmark.2026SmallBusinessPricing":"Parámetro de referencia de precios para pequeñas empresas 2026","pricingBenchmark.keywordSmallBusinessPricing":"precios para pequeñas empresas","pricingBenchmark.keywordContractorRates":"tarifas de contratistas","pricingBenchmark.keywordHourlyRates":"tarifas por hora","pricingBenchmark.keywordTrades":"oficios","pricingBenchmark.keywordProfessionalServices":"servicios profesionales","pricingBenchmark.keywordInvoiceBenchmark":"parámetro de referencia de facturas","toolsIndex.categoryEstimates":"Estimaciones","toolsIndex.categoryPricingData":"Datos de precios","toolsIndex.categoryPaymentsData":"Datos de pagos","toolsIndex.categoryTaxes":"Impuestos","toolsIndex.createAnInvoice":"Crear una factura","toolsIndex.buildAnEstimate":"Crear una estimación","toolsIndex.compareYourRates":"Compara tus tarifas","toolsIndex.seeTheData":"Ver los datos","toolsIndex.estimateYourSavings":"Estima tus ahorros","toolsIndex.createAProfessionalInvoiceAnd":"Crea una factura profesional y descárgala como PDF en minutos. Gratuito, ilimitado y sin necesidad de registro ni software.","toolsIndex.buildAPolishedEstimateIn":"Crea un presupuesto impecable en segundos: elige un tipo de trabajo, añade partidas de un catálogo de precios inicial y obtén ayuda de IA para definir el alcance y el precio del trabajo.","toolsIndex.pricingBenchmark":"Referencia de precios","toolsIndex.seeWhatSmallBusinessesActually":"Ve lo que los pequeños negocios realmente cobran: tamaños de trabajo medianos y tarifas por hora en todos los oficios y servicios profesionales, por segmento y región.","toolsIndex.paymentSpeedReport":"Informe de velocidad de pagos","toolsIndex.howLongDoesItTake":"¿Cuánto tiempo tardas en cobrar? Ve los dÃas para cobrar por industria, basado en la actividad de facturación anonimizada de pequeños negocios en Novo.","toolsIndex.sCorpVsLlcCalculator":"Calculadora S Corp vs LLC","toolsIndex.estimateHowMuchYouCould":"Estima cuánto podrÃas ahorrar en impuestos de autoempleo y nómina con una elección de corporación S frente al tratamiento fiscal predeterminado de LLC.","toolsIndex.freeSmallBusinessTools":"Herramientas gratuitas para pequeños negocios","toolsIndex.freeSmallBusinessTools2":"Herramientas gratuitas para pequeños negocios","toolsIndex.bankingBuiltForSmallBusiness":"Banca diseña
1da para pequeños negocios","toolsIndex.theToolsAreFreeFor":"Las herramientas son gratuitas para todos. Con una cuenta Novo, las estimaciones se convierten en facturas, los pagos llegan a tu cuenta de cheques de negocios y las reservas apartan los costos de trabajo e impuestos.","toolsIndex.freeSmallBusinessToolsInvoicing":"Herramientas gratuitas para pequeños negocios: Facturación, Estimaciones, Precios e Impuestos","toolsIndex.freeToolsForSmallBusinesses":"Herramientas gratuitas para pequeños negocios de Novo: generador de facturas, estimador de trabajos, referencia de precios, datos de velocidad de pagos y una calculadora de impuestos S Corp vs LLC. No se requiere registro.","toolsIndex.priceTheWorkBillYour":"Ponle precio al trabajo, factura a tus clientes y conoce tus números: cinco herramientas gratuitas creadas por Novo. No se requiere registro.","jobEstimator.editPrices":"Editar precios","jobEstimator.editEstimate":"Editar estimación","jobEstimator.addAtLeastOneLine":"Agrega al menos un artÃculo para generar una estimación.","jobEstimator.failedToSendEstimate":"No se pudo enviar la estimación","jobEstimator.offeringUpsellsIsOneOf":"Ofrecer ventas adicionales es una de las mejores maneras de aumentar el valor del ticket.","jobEstimator.serviceCall":"Llamada de servicio","jobEstimator.waterHeater40Gal":"Calentador de agua (40 galones)","jobEstimator.labor":"Mano de obra","jobEstimator.selectAJob":"Seleccionar un trabajo","jobEstimator.jobDetails":"Detalles del trabajo","jobEstimator.lineItems":"Partidas","jobEstimator.searchPriceBook":"Buscar catálogo de preciosâ¦","jobEstimator.recommendedAddOns":"Complementos recomendados","jobEstimator.markupMarginOptional":"Recargo / margen % (opcional)","jobEstimator.buildAProfessionalEstimateIn":"Crea una cotización profesional en segundos. Elige un trabajo, agrega partidas y genera una cotización.","quoteEstimator.startWithAnIllustrative":"Comienza con un costo ilustrativo de {trade}, luego edÃtalo para que coincida con tu negocio. Estos son costos estimados, no precios para clientes.","quoteEstimator.editQuote":"Editar cotización","quoteEstimator.selectATradeBefore":"Selecciona un rubro antes de previsualizar tu cotización.","quoteEstimator.addAtLeastOnePriced":"Agrega al menos un artÃculo con precio para previsualizar tu cotización.","quoteEstimator.failedToSendQuote":"No se pudo enviar la cotización","quoteEstimator.marginIsYourProfitAs":"El margen es tu ganancia como porcentaje del precio final.","quoteEstimator.markupIsYourProfitAs":"El margen sobre costo es tu ganancia como porcentaje de tu costo.","quoteEstimator.quoteEstimatorBuildAProfessional":"Estimador de Cotizaciones: Crea una Cotización Profesional | Novo","quoteEstimator.asOfYourPriceMargin":"Como % de tu precio (margen)","quoteEstimator.asOfYourCostMarkup":"Como % de tu costo (recargo)","quoteEstimator.whatShouldAProfessionalQuote":"¿Qué debe incluir una cotización profesional?","quoteEstimator.aClearQuoteNormallyIncludes":"Una cotización clara normalmente incluye el nombre de tu negocio, el nombre del cliente, el alcance del trabajo, la mano de obra y los materiales desglosados, los impuestos, el precio total y cualquier término o fecha de vencimiento aplicable.","quoteEstimator.whatIsTheDifferenceBetween":"¿Cuál es la diferencia entre margen y recargo?","quoteEstimator.marginMeasuresProfitAsA":"El margen mide la ganancia como un porcentaje del precio final. El recargo mide la ganancia como un porcentaje de tu costo. El mismo porcentaje produce totales de cotización diferentes, asà que elige el método que tu negocio use consistentemente.","quoteEstimator.isAQuoteLegallyBinding":"¿Es una cotización legalmente vinculante?","quoteEstimator.thatDependsOnTheWording":"Eso depende de la redacción, la legislación local y si el cliente lo acepta. Indique claramente qué incluye, por cuánto tiempo es válido el precio y cómo se aprobarán los cambios. Consulte a un profesional legal calificado sobre sus contratos especÃficos.","quoteEstimator.shouldIAddTaxTo":"¿Debo añadir impuestos a una cotización de servicio?","quoteEstimator.salesTaxRulesVaryBy":"Las reglas del impuesto sobre ventas varÃan según la ubicación y los productos o servicios que vendes. Esta calculadora aplica la tasa que ingresas al precio total del cliente antes de impuestos. Confirma qué partes de tu cotización están sujetas a impuestos con la autoridad fiscal estatal o local o con un profesional de impuestos calificado antes de enviarla.","quoteEstimator.canIChangeTheSuggested":"¿Puedo cambiar los costos sugeridos?","quoteEstimator.yesTheTradePresetsAre":"SÃ. Los preajustes del sector son puntos de partida de costos ilustrativos, no precios para el cliente. Añade un artÃculo sugerido, luego edita su descripción, cantidad y costo unitario para que coincida con tu negocio. La calculadora aplica tu margen o recargo seleccionado a esos costos.","quoteEstimator.canNovoTurnThisQuote":"¿Puede Novo convert
1ir esta cotización en una factura?","quoteEstimator.novoCustomersCanCreateUnlimited":"Los clientes de Novo pueden crear facturas ilimitadas, aceptar pagos con tarjeta o ACH, y organizar los pagos entrantes en la misma cuenta de negocios. Usa la cotización enviada por correo electrónico como tu punto de partida cuando el cliente apruebe el trabajo.","quoteEstimator.quoteEstimator":"Estimador de Cotizaciones","quoteEstimator.buildAProfessionalServiceQuote":"Crea una cotización de servicio profesional con preajustes de precios del sector, partidas editables, margen o recargo, e impuestos.","quoteEstimator.closeQuotePreview":"Cerrar vista previa de cotización","quoteEstimator.pickYourTrade":"Elige tu sector","quoteEstimator.quoteAssistant":"Asistente de cotizaciones","quoteEstimator.askPricingQuestionsOrGet":"Haz preguntas sobre precios u obtén partidas sugeridas para tu cotización.","quoteEstimator.hiICanHelpYou":"¡Hola! Puedo ayudarte a definir el alcance y el precio de esta cotización. Elige un oficio a continuación, luego pregunta sobre los elementos, los precios o las dudas para tu cliente.","quoteEstimator.eGWhatShouldI":"Ej. ¿Qué debo incluir para el reemplazo de un calentador de agua?","quoteEstimator.trade":"Oficio","quoteEstimator.aiGeneratedGuidanceCheckPrices":"Orientación generada por IA. Compara los precios con tus tarifas locales.","quoteEstimator.quoteDetails":"Detalles de la cotización","quoteEstimator.addLineItems":"Agregar elementos","quoteEstimator.estCost":"Costo est.","quoteEstimator.unitCost":"Costo unitario","quoteEstimator.cost":"Costo","quoteEstimator.profitAndTax":"Ganancia e impuestos","quoteEstimator.howYouAddProfit":"Cómo añades la ganancia","quoteEstimator.marginPercent":"Margen de beneficio %","quoteEstimator.markupPercent":"Recargo %","quoteEstimator.estimatedProfitFromMargin":"Ganancia estimada por margen de beneficio","quoteEstimator.estimatedProfitFromMarkup":"Ganancia estimada por recargo","quoteEstimator.taxOnEntirePretaxQuote":"Impuesto % sobre el total de la cotización antes de impuestos","quoteEstimator.estimatedCostSubtotal":"Subtotal de costo estimado","quoteEstimator.customerPriceBeforeTax":"Precio al cliente antes de impuestos","quoteEstimator.taxOnEntirePretaxQuote2":"Impuesto sobre el total de la cotización antes de impuestos","quoteEstimator.previewQuoteAndGetA":"Previsualiza la cotización y obtén una copia","quoteEstimator.quoteEstimatorQuestions":"Preguntas del estimador de cotizaciones","quoteEstimator.createAProfessionalServiceQuote":"Crea una cotización de servicio profesional con precios preestablecidos por sector, partidas editables, margen o recargo, e impuestos. Gratis y sin necesidad de registrarte.","quoteEstimator.buildAProfessionalQuoteIn":"Crea una cotización profesional en segundos. Elige tu sector, añade partidas y genera una cotización.","quoteEstimator.pickATradeToSee":"Elige un sector para ver sugerencias de costos ilustrativas.","quoteEstimator.taxIsAppliedToThe":"El impuesto se aplica al precio total del cliente antes de impuestos. Confirma qué productos y servicios son gravables en tu ubicación.","invoiceGenerator.methodAchTransfer":"Transferencia ACH","invoiceGenerator.methodCheck":"Cheque","invoiceGenerator.methodCard":"Tarjeta","invoiceGenerator.methodPaypal":"PayPal","assist.name":"Novo Assist","assist.chatTitle":"Chat de Novo Assist","assist.searching":"Buscando","assist.thinking":"Pensando","assist.startConversation":"Iniciar conversación para","assist.genericError":"Algo salió mal","assist.tryAgain":"Intentar de nuevo","assist.askPlaceholder":"Pregúntanos cualquier cosa...","assist.searchPlaceholder":"Busca cualquier cosa...","assist.defaultTrigger":"¿Iniciar una solicitud de Novo?","assist.back":"Volver","assist.date":"Fecha","assist.copyLink":"Copiar enlace","assist.linkCopied":"Enlace copiado","assist.shareOn":"Compartir en {network}","assist.aiMode.trigger":"Modo IA","assist.aiMode.greeting":"¿Qué quieres saber sobre Novo?","assist.aiMode.placeholder":"Pregunta lo que quieras sobre Novoâ¦","assist.aiMode.back":"Volver al sitio","email.cta.openAccountLine":"Abre una cuenta: {url}","email.estimate.subject":"Tu {document} de {business}","email.estimate.subjectNumbered":"Tu {document} de {business} ({number})","email.estimate.textPreparedFor":"Preparado para {customer}","email.estimate.textDocNumber":"{document} n.º {number}","email.estimate.textCtaHeading":"CON UNA CUENTA NOVO","email.estimate.toolName":"Estimador de {document} de Novo","email.estimate.footerEstimate":"Este presupuesto se generó con el {link}. Conviértelo en una factura y cobra con tarjeta o ACH con una cuenta Novo.","email.estimate.footerQuote":"Esta cotización se generó con el {link}. Conviértela en una factura y cobra con tarjeta o ACH con una cuenta Novo.","email.estimate.textFooter"
1:"Generado con el {tool}: {url}","email.loan.subject":"Tu estimado de pago de préstamo comercial","email.loan.eyebrow":"Calculadora de préstamos comerciales Novo","email.loan.heading":"Tu pago estimado","email.loan.totalRepaymentLine":"Reembolso total {amount}","email.loan.ctaTitle":"Construye tu historial bancario comercial","email.loan.ctaDescription":"Los clientes de Novo pueden ser elegibles para financiación rápida después de seis meses de historial de cuenta activo.","email.loan.rowPaymentEvery":"Pago cada {period}","email.loan.rowMonthlyEquivalent":"Equivalente de pago mensual","email.loan.rowRevenueShare":"Porcentaje de pago sobre los ingresos brutos","email.loan.disclaimer":"Estimado de planificación solamente. Los pagos reales y la APR pueden diferir debido a tarifas, capitalización, plazos de pago y términos del prestamista. Un porcentaje de pago sobre los ingresos brutos no es una decisión de asequibilidad ni una relación de cobertura del servicio de la deuda.","email.loan.textDisclaimer":"Estimado de planificación solamente. Un porcentaje de pago sobre los ingresos brutos no es una decisión de asequibilidad ni una relación de cobertura del servicio de la deuda.","email.loan.toolName":"Calculadora de préstamos comerciales Novo","email.loan.termUnit.years":"años","email.loan.termUnit.months":"meses","email.loan.freq.monthly":"Mensual","email.loan.freq.biweekly":"Cada dos semanas","email.loan.freq.weekly":"Semanal","email.loan.period.monthly":"mes","email.loan.period.biweekly":"dos semanas","email.loan.period.weekly":"semana","email.valuation.subject":"Tu rango de valoración de negocio estimado","email.valuation.eyebrow":"Calculadora de valoración de negocio Novo","email.valuation.heading":"Tu rango estimado","email.valuation.range":"{low} a {high}","email.valuation.midpoint":"Punto medio {amount}","email.valuation.textMidpoint":"Punto medio: {amount}","email.valuation.rowTrend":"Tendencia de ingresos","email.valuation.rowMultiple":"Rango de múltiplos de ganancias de la industria","email.valuation.disclaimer":"Esta estimación direccional no es una tasación certificada, una oferta ni una garantÃa de precio de venta. Un tasador cualificado puede evaluar ventas comparables, activos, pasivos, condiciones del mercado y riesgos especÃficos del negocio.","email.valuation.toolName":"Calculadora de valoración de negocio Novo","email.valuation.industry.service":"Negocio de servicios","email.valuation.industry.agency":"Agencia o consultorÃa","email.valuation.industry.ecommerce":"Negocio de comercio electrónico o en lÃnea","email.valuation.industry.retail":"Negocio minorista","email.valuation.industry.food":"Comida o restaurante","email.valuation.industry.trades":"Construcción u oficio especializado","email.valuation.industry.health":"Salud, fitness o bienestar","email.valuation.industry.technology":"TecnologÃa o software","email.valuation.industry.other":"Otro pequeño negocio","email.valuation.trend.declining":"En declive","email.valuation.trend.steady":"Más o menos igual","email.valuation.trend.growing":"En crecimiento","email.fee.subject":"Tu estimación de comisiones por procesamiento de tarjeta de crédito","email.fee.eyebrow":"Calculadora de comisiones de procesamiento Novo","email.fee.heading":"Tu costo de procesamiento estimado","email.fee.effectiveRate":"Tasa efectiva estimada {rate}","email.fee.textEffectiveRate":"Tasa efectiva estimada: {rate}","email.fee.ctaTitle":"Ve tu ganancia real","email.fee.ctaDescription":"Rastrea los pagos del procesador y categoriza las tarifas de procesamiento para que tus ingresos netos estén claros.","email.fee.ctaBenefitPayouts":"Mantén organizados los pagos de Stripe, Square y PayPal","email.fee.ctaBenefitExpenses":"Las tarifas de procesamiento se pueden categorizar como gastos","email.fee.rowChannel":"Canal de ventas","email.fee.rowTransactions":"Transacciones estimadas","email.fee.rowPercentageRate":"Tasa porcentual modelada","email.fee.rowMonthlyFees":"Tarifas mensuales estimadas","email.fee.rowAnnualFees":"Tarifas anuales estimadas","email.fee.rowEffectiveRate":"Tasa efe
1ctiva estimada","email.fee.disclaimer":"El rango de referencia de 1.5% a 3.5% se aplica a la tasa porcentual modelada, no a la tasa efectiva total. Las tarifas y cargos fijos no ingresados aquà pueden aumentar la tasa efectiva real.","email.fee.textDisclaimer":"El rango de referencia de 1.5% a 3.5% se aplica a la tasa porcentual modelada, no a la tasa efectiva total.","email.fee.toolName":"Calculadora de tarifas de procesamiento de tarjetas de crédito Novo","email.fee.textRevisit":"Revisa tu resultado: {url}","email.pnl.subject":"Estado de pérdidas y ganancias de {business}","email.pnl.period":"De {start} a {end}","email.pnl.titleWithPeriod":"Estado de Pérdidas y Ganancias · {period}","email.pnl.textTitleWithPeriod":"Estado de Pérdidas y Ganancias: {period}","email.pnl.otherItem":"Otros","email.pnl.totalCogs":"COGS total","email.pnl.visit":"Visita {link} para abrir tu cuenta gratuita","email.pnl.toolName":"Herramienta de estados de pérdidas y ganancias de Novo","email.pnl.return":"Volver a la {link}","email.pnl.textReturn":"Volver a la {tool}: {url}","email.setax.subject":"Tu estimado de impuestos regular del Anexo SE para {year}","email.setax.eyebrow":"Calculadora de impuestos para trabajadores por cuenta propia de Novo","email.setax.heading":"Tu estimado de impuestos regular del Anexo SE","email.setax.taxYear":"Año fiscal {year}","email.setax.ctaTitle":"Dale a tu dinero para impuestos su propio lugar","email.setax.ctaDescription":"Crea una Novo Reserve dedicada para impuestos y mantén el dinero apartado separado del efectivo operativo.","email.setax.rowNetEarnings":"Ganancias netas al 92.35%","email.setax.rowW2Wages":"Salarios de la casilla 3 del Formulario W2","email.setax.rowSocialSecurity":"Impuesto del Seguro Social","email.setax.rowMedicare":"Impuesto de Medicare","email.setax.rowTotalTax":"Impuesto regular del Anexo SE","email.setax.rowQuarterly":"Un cuarto del impuesto anual del Anexo SE","email.setax.rowSetAside":"Cantidad promedio apartada {frequency}","email.setax.disclaimer":"Solo estimado regular del Anexo SE. No incluye impuestos federales y estatales sobre la renta, créditos, retenciones ni el Impuesto Adicional de Medicare. Las cifras apartadas son promedios de todo el año y no son pagos completos del Formulario 1040 ES.","email.setax.textDisclaimer":"Solo estimado regular del Anexo SE. No incluye impuestos sobre la renta ni el Impuesto Adicional de Medicare.","email.setax.toolName":"Calculadora de impuestos para trabajadores por cuenta propia de Novo","email.setax.freq.12":"Mensual","email.setax.freq.24":"Dos veces al mes","email.setax.freq.26":"Cada dos semanas","email.setax.freq.52":"Semanal"}},t=(e,a=s,o=null)=>{let t=n[a]?.[e],i=n[s]?.[e],r="string"==typeof t&&""!==t?t:"string"==typeof i&&""!==i?i:e;return o?r.replace(/\{(\w+)\}/g,(e,a)=>a in o?String(o[a]):e):r};e.s(["t",0,t],72717),e.s(["useT",0,()=>{let{locale:e}=(0,o.useRouter)();return(0,a.useCallback)((a,o)=>t(a,e,o),[e])}],55984)},58161,e=>{"use strict";var a=e.i(15497),o=e.i(79332);e.s(["default",0,({type:e,children:s,destination:n,className:t,label:i,href:r,debug:l=!1,...c})=>{let{Button:d,buttonProps:u}=(0,o.useButton)({type:e,label:s??i,destination:n??r,href:r,debug:l});return d?(0,a.jsx)(d,{...u,className:t,...c,children:s}):null}])}]);
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.