Free calculator · No signup required
You charge $75/hour.
What do you actually keep?
Taxes. Software. Health insurance. Unpaid admin time. Most service providers are making a fraction of what they think. Find out your real number in 60 seconds.
47%
avg income lost to hidden costs
$28/hr
avg gap vs expected
60s
to first insight
Trusted by freelancers who stopped guessing
“I thought I was making $80/hr. Ledgely showed me $23. I raised my rates the same day.”
“The expense breakdown was eye-opening. I was spending $1,400/mo on things I forgot about.”
“Finally understand why I am busy all the time but my bank account says otherwise.”
A note from the founder
I built Ledgely because every time I looked up something simple, like how to get an EIN or what documents to keep on file. I either got a law firm blog trying to sell me services, or a Reddit thread from 2019 with conflicting answers.
Ledgely is the resource I wished existed. Plain answers, correct order of operations, no agenda.
I also believe the businesses that win long-term are the ones that give first. genuinely, without expecting anything back. That's why everything here is free to read, no forms, no paywalls. If it helps you, it was worth publishing.
Your personal story is your most defensible competitive advantage. Nobody can copy who you are or how you think. Build a brand, not just a business.
— Omar
Why this matters
Why Ledgely exists
Most small businesses fail because of two things: poor financial clarity and a messy setup structure. Ledgely simplifies setup, tracking, and documentation into one connected system, so the basics are no longer a guessing game. Everything is designed to move you from confusion to control.
Step 1 · Top priority
Recommended path (follow in order)
Most users start here to go from idea → registered business → first invoice. Each milestone unlocks the next.
- 1
EIN Decision
Figure out which business numbers you actually need.
- 2
EIN Preparation
Get every document ready before you start the application.
- 3
Business Setup
Form your entity, register your business, and stay compliant.
- 4
Financial Tracking
Track expenses and run the monthly numbers that actually matter.
- 5
Invoice System
Send invoices that make it easy for clients to pay on time.
- 6
Templates
Plug in ready-to-use templates for daily operations.
Free calculators & tools
Tools
Free, no-signup tools you can use right now to put what you've learned into action.
Monthly Profit Estimator
Know your real monthly profit after expenses in seconds.
Get Paid Invoice System
Send professional invoices that make clients take payment seriously.
Business Expense Tracker
See exactly where your money goes and what to cut immediately.
Cash Flow Planner
Predict future cash shortages before they happen.
Real Hourly Rate Calculator
Find out what you actually keep after taxes, expenses, and hidden costs. Most freelancers discover they earn half of what they charge.
Break-Even Calculator
Calculate how many sales you need to cover all costs and start making profit.
Tax Estimator
Estimate your annual tax bill including self-employment tax, federal, and state income tax.
Savings Goal Planner
Plan exactly how much to save each month, week, and day to hit your financial target.
Debt Payoff Planner
Compare avalanche vs snowball methods and see your exact payoff timeline.
Freelance Rate Finder
Calculate the minimum hourly rate you must charge to cover expenses, taxes, and hit your profit goal.
Upwork Fee Calculator
Calculate your true take-home pay after Upwork's 5–15% freelancer fee, connect costs, and taxes.
Fiverr Fee Calculator
See exactly what you keep after Fiverr's 20% commission. Know your real earnings before you price a gig.
PayPal Fee Calculator
Calculate PayPal transaction fees for goods/services and friends/family payments. Know your net before invoicing.
Etsy Fee Calculator
See your real margin after Etsy's listing, transaction, payment, and offsite-ad fees before you list.
Guru Fee Calculator
Calculate your take-home after Guru's 5–10% service fee and instant-withdrawal charges.
Freelancer.com Fee Calculator
See your net after Freelancer.com's 10% fee (capped at $5 on fixed projects) and contest fees.
PeoplePerHour Fee Calculator
Calculate your earnings after PeoplePerHour's 5–20% commission based on your membership tier.
Toptal Fee Calculator
Toptal takes nothing from talent — see your full 100% take-home and the tradeoff versus percentage platforms.
Should I Go Freelance? Break-Even Calculator
Determine if freelancing makes financial sense versus your current job, including benefits and hidden costs.
Stripe Fee Calculator
Calculate Stripe's 2.9% + $0.30 per charge, with international and manual-entry surcharges.
Square Fee Calculator
See Square's net per sale across in-person, online, and manually-keyed payment methods.
Wise Fee Calculator
Estimate what a recipient receives after Wise's transparent, route-based percentage and fixed fee.
Venmo Fee Calculator
Calculate Venmo's net for personal, Goods & Services, business, and instant-transfer payments.
ROI Calculator
Turn any cost and return into a return-on-investment percentage to compare spends on equal footing.
Markup vs Margin Calculator
See the difference between markup and margin so you stop underpricing by confusing the two.
Loan Payment Calculator
Estimate your monthly loan payment and total interest over the life of the loan.
Salary to Hourly Calculator
Convert an annual salary to an hourly rate (or back) using your weeks and hours worked per year.
Price for Margin Calculator
Work backward from the profit margin you want to the price you must charge to hit it.
Subscription Cost Calculator
Convert any monthly price into its true annual cost and see what an annual discount saves you.
Support layer
Templates
Copy-paste checklists, CSV starters, and document templates to support every step of the recommended path.
Done-for-you systems
Pro Systems
Structured, done-for-you execution kits. Each system combines guides, tools, and templates into one complete workflow.
Business Starter
SetupIdea → legally registered business
4 phases · EIN + setup + compliance
Marketing & Growth
MarketingRepeatable customer acquisition
4 phases · offer + channels + referrals
Documentation
Latest guides
Financial Systems
Small Business Bookkeeping: The Simple System That Keeps You Out of Trouble
You don't need an accountant or fancy software. The plain-English system: separate accounts, a weekly habit, and the reports that matter.
Read guide →
Taxes
Small Business Taxes: What You Actually Owe and When
Self-employment tax, quarterly deadlines, real deductions, and the habit that stops a spring surprise.
Read guide →
Sales & Clients
Getting Paid: How to Invoice, Follow Up, and Actually Collect
Landing the work is half the job. The other half is collecting the money, with a system that works.
Read guide →
Marketing & Growth
Small Business Marketing on a Shoestring: A Free Plan That Works
No budget, no ads. Talk to real people first, pick one free channel, and do it every week.
Read guide →
Financial Systems
How do I track business expenses?
A simple expense tracking system for small business owners, what categories to use, where to keep records, and how to make tax time far less painful.
Read guide →
Insights
Insight: 2026 Quarterly Estimated Tax Dates Small Businesses Should Not Miss
The 2026 federal estimated tax due dates and a simple system to set aside the right amount every quarter.
Read guide →
Start with one number.
Fix the rest from there.
Find out what you actually keep per hour. The whole site is free. Guides, tools, and templates. No account required.