Free Business and Freelance Calculators
The arithmetic that decides whether a business is actually profitable rarely happens in an accounting package. It happens on the back of an envelope while you are quoting a job, setting a rate, or working out what a payment processor left you with. These pages do that arithmetic properly, grouped by the decision you are trying to make.
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Rates & Pricing 9
Day rates, blended rates, utilisation, overheads, retainers, milestones and meeting cost.
Billable Utilisation Calculator
What share of your week is billable, and what the rest costs you.
Blended Rate Calculator
One weighted hourly rate across a mixed team of roles.
Freelance Rate Calculator
Target income to hourly and day rate, adjusted for real billable hours.
Freelance Time-Off Surcharge
The rate uplift that pays for your unpaid time off.
Meeting Cost Ticker
Watch what a meeting costs while it is happening.
Milestone Payment Splitter
Split a project fee into deposit and milestone amounts.
Overhead Rate Calculator
Annual overhead spread across the hours you can actually bill.
Retainer Overage Calculator
What to invoice when a retainer runs over its included hours.
Value-Based Pricing Calculator
Turn client value into a defensible project quote.
Profit & Growth 11
Break-even, margin, discounts, LTV, CAC, MRR, runway and spend audits.
Break-Even Calculator
Units and revenue needed to cover fixed costs, and to hit a profit target.
Break-Even ROAS Calculator
The ROAS multiple at which an ad campaign stops losing money.
CAC Calculator
Acquisition cost, payback period and the LTV to CAC ratio.
Customer LTV Calculator
Lifetime value from spend, frequency, margin and churn.
Double Discount Calculator
What two stacked discounts really come to at the checkout.
Free Shipping Threshold Calculator
The order value at which free shipping still makes money.
MRR to ARR Calculator
MRR to ARR, revenue per account and a twelve-month projection.
Margin vs Markup Calculator
Convert between gross margin and markup on any unit cost.
Rent Per Square Foot Calculator
Convert commercial rent into cost per square foot and per person.
Runway Calculator
Months of cash left from balance, burn and revenue growth.
SaaS Spend Auditor
Total your software subscriptions and see the cost per head.
Invoicing & Payments 5
Invoice generator, due dates, late-payment interest, Stripe and PayPal fees.
Invoice Due Date Calculator
Exact Net-30, Net-60 and Net-90 deadlines with weekend rollover.
Invoice Generator
Type the details, download a clean PDF invoice. Nothing uploaded.
Late Payment Interest Calculator
Daily interest on an overdue invoice, plus the recovery charge.
PayPal Fee Calculator
What PayPal leaves you, or what to invoice to net a figure.
Stripe Fee Calculator
Net payout after Stripe fees, or the charge needed to net a figure.
Tax 4
VAT splitting, reverse charge, tax set-aside and sole trader vs limited company.
Contractor Tax Reserve
Work out what share of each 1099 check to set aside for tax.
Reverse Charge VAT Checker
Get the correct reverse charge wording for a cross-border invoice.
Sole Trader vs Limited Company
Compare sole trader and limited company take-home pay.
VAT Splitter
Split a gross total into net and tax, or add tax on.
How the business tools are organised
Rates & Pricing is for the moment before the work starts. A freelance day rate built up from the income you need and the days you can actually bill; a blended rate across a team; an overhead rate that tells you what an hour really costs; surcharges, retainers, milestone splits and the price of a meeting. Every one of these starts from the same question — what do I have to charge for this to work? — and shows the working.
Profit & Growth is for judging whether the numbers hold once the work is under way. Break-even in units and in advertising spend, the difference between margin and markup, stacked discounts, a free-shipping threshold, lease cost per square foot, and the SaaS set: customer lifetime value, acquisition cost, MRR to ARR, runway and a subscription spend audit.
Invoicing & Payments covers getting paid. An invoice generator that produces a clean PDF, a due-date calculator for net terms, statutory late-payment interest, and fee calculators for Stripe and PayPal that answer the question people most often get wrong: how much do I need to charge so that the amount I want actually arrives?
Tax holds the compliance arithmetic. Splitting a gross figure into net and VAT, reverse-charge VAT on cross-border services, how much of each contractor payment to set aside for tax, and a sole-trader-versus-limited-company comparison for a given profit level.
Why the working is always shown
A calculator that gives you a number without the formula is a calculator you cannot argue with — and in business you usually need to. Each page here states the convention it uses (margin on price, markup on cost, interest simple or compound, VAT inclusive or exclusive) and lays out the intermediate steps so you can carry them into a quote, a spreadsheet or a conversation with an accountant.
Nothing you type is transmitted
Rates, revenue, payroll and tax figures are exactly the numbers you do not want in someone else's logs. Every tool in this section runs entirely in your browser: nothing is sent to a server, nothing is stored, and the pages keep working if your connection drops once they have loaded.
FAQ
Are my financial figures sent to a server?
No. Every calculator on this site runs entirely in your browser using JavaScript that ships with the page. Revenue, costs, rates and client figures never leave your device, are never logged, and are discarded when you close the tab.
Why does adding the processor's fee back on top come up short?
Because the fee is charged on the final amount, not the original. If you add 2.9% to $100 you get $102.90, but the fee on $102.90 is $2.98, so you land short. The correct method divides by one minus the rate after subtracting the fixed fee, which the fee calculators do for you.
Should I use margin or markup when pricing?
Price using markup, because it starts from the cost you actually know, but report and target margin, because that is what percentage of revenue you keep. A 50% margin requires a 100% markup, so stating one and applying the other is the most common and most expensive pricing error.
How accurate are these for tax purposes?
They are accurate arithmetic, not tax advice. Rates, thresholds and statutory interest change, and treatment varies by jurisdiction and by your own circumstances. Use these to understand and check a figure, then confirm anything that goes on a return with an accountant.
Do the tools work offline?
Yes, once the page has loaded. The logic is part of the page rather than a call to an API, so calculations keep working if your connection drops. Only the initial load needs a network.