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
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.
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.
Payment Processor Fees
PayPal Fee Calculator
Calculate PayPal transaction fees for goods/services and friends/family payments. Know your net before invoicing.
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.