Business Tools
A small suite of free, lightweight utilities to help you understand your money, track activity, and generate basic documents. No accounts, no downloads. Everything runs in your browser.
Planning & Cash Flow
Monthly Profit Estimator
Know your real monthly profit after expenses in seconds.
Business Expense Tracker
See exactly where your money goes and what to cut immediately.
Cash Flow Planner
Predict future cash shortages before they happen.
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.
Invoicing & Payments
Profit & Margin
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.
Freelance Rate Finder
Calculate the minimum hourly rate you must charge to cover expenses, taxes, and hit your profit goal.
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.
Freelance Platform Fees
Upwork Fee Calculator
Estimate contract take-home using Upwork's actual 0%–15% service fee, Connects, and the contract terms shown to you.
Fiverr Fee Calculator
Estimate freelancer earnings using Fiverr's stated 80% share of completed order amounts, including extras and tips.
Etsy Fee Calculator
Estimate a U.S. Etsy order with listing, transaction, payment-processing, gift-wrap, sales-tax, and Offsite Ads assumptions.
Guru Fee Calculator
Estimate Guru freelancer earnings using verified Basic or Executive job-fee examples and any employer allocation in your agreement.
Freelancer.com Fee Calculator
Estimate current Freelancer.com freelancer fees: 10% or $5 minimum on fixed-price and contest awards, and 10% hourly. The $5 is not a cap.
PeoplePerHour Fee Calculator
Estimate a PeoplePerHour invoice using the selected lifetime-billing tier, with its published £1 minimum service fee.
Toptal Fee Calculator
Toptal's talent FAQ says it takes no cut from talent earnings. See the gross amount before taxes and outside costs.
Should I Go Freelance? Break-Even Calculator
Determine if freelancing makes financial sense versus your current job, including benefits and hidden costs.
Payment Processor Fees
PayPal Fee Calculator
Estimate current U.S. PayPal commercial transaction fees for standard card payments or Checkout, with the international surcharge.
Stripe Fee Calculator
Estimate Stripe's U.S. online card fee with manual-entry, international-card, and currency-conversion add-ons.
Square Fee Calculator
Compare Square's current U.S. Free, Plus, and Premium pricing for in-person, online, and manually keyed transactions.
Wise Fee Calculator
Enter the total fee from Wise's live route quote for a same-currency USD estimate. No live price or exchange-rate data is fetched.
Venmo Fee Calculator
Compare Venmo's current U.S. fee estimates for personal Goods & Services, business profiles, Tap to Pay, and Instant Transfer. Verify conflicting help-page details.
Personal Finance
Plan a monthly budget, choose an emergency reserve, snapshot net worth, or model savings growth. Existing debt, savings-goal, and loan calculators are linked from the hub. Read the Personal Finance guides.
Personal Finance
Browse personal budgeting, emergency-fund, net-worth, and savings-growth tools.
Emergency Fund Calculator
Choose an expense-based reserve period and estimate an emergency-fund target and remaining savings gap.
Net Worth Snapshot Calculator
Estimate net worth from current asset values and liabilities. A simple snapshot, not a valuation or credit score.
Personal Budget Calculator
Compare monthly take-home income with essential costs, debt payments, and planned savings using your own household amounts.
Savings Growth Calculator
Project savings from a starting balance, monthly contributions, time horizon, and assumed return. Actual results vary.