Free Business & Finance Calculators
Eight free calculators and tools that cover the numbers freelancers and small-business owners deal with most: margins, markup, hourly rates, sales tax, discounts, VAT, late fees, and building an invoice from scratch. No sign-up, no watermark — everything runs in your browser, so the figures you enter stay on your device.
Invoice Generator
PDF · Excel · WordCreate a professional invoice in seconds. Fill in the details, add line items, pick a currency, tax and accent colour, then download as PDF, Excel, Word or CSV.
Open tool →Profit Margin Calculator
Margin & markupEnter cost and revenue (or selling price) to get your gross margin, markup percentage, and profit in one step. Useful for pricing decisions and bid reviews.
Open tool →Markup Calculator
Cost → priceCalculate the selling price from cost and desired markup percentage, or reverse-engineer the markup from cost and price. Covers the markup-vs-margin distinction.
Open tool →Hourly Rate Calculator
Freelancer ratesWork out what to charge per hour based on your target annual income, billable hours, expenses, and desired profit margin. Built for freelancers and consultants.
Open tool →Sales Tax Calculator
US · CA · globalAdd or remove sales tax at any rate. Enter a pre-tax or tax-inclusive amount and get the tax breakdown instantly — works for US state taxes, Canadian GST/HST, and more.
Open tool →Discount Calculator
% & fixedCalculate the final price after a percentage or fixed-amount discount, or find what discount was applied. Handles stacked discounts and shows total savings.
Open tool →VAT Calculator
Add / remove VATAdd VAT to a net price or remove it from a gross, VAT-inclusive total at 20%, 5% or any custom rate. Instant results as you type.
Open tool →Late Payment Interest Calculator
UK statutoryWork out interest and late fees on an overdue invoice from the amount, days late and interest rate — including UK statutory compensation.
Open tool →Calculators That Do One Job Well
Running a small business means juggling numbers that paid software usually handles. These eight free tools cover the ones that come up most: pricing and margins, tax, discounts, freelance rate-setting, late-payment interest, and building a proper invoice. Each one gives a clear answer fast, without an account, a paywall or a watermark.
The profit margin calculator and markup calculator help you set prices that actually make money — enter cost and revenue and see margin, markup, and profit side by side. The hourly rate calculator turns your target income and billable hours into a concrete per-hour figure.
For tax, sales tax and VAT calculators add or strip tax at any rate — handy when a client quotes a tax-inclusive figure and you need the net. The discount calculator shows the final price after percentage or fixed discounts. And the late payment interest calculator turns an unpaid invoice and a number of days into a concrete interest figure, including UK statutory compensation tiers.
Ready to put the numbers on paper? The invoice generator produces a clean, downloadable invoice with the right tax wording for the UK, US, Canada or Australia — PDF, Excel, Word or CSV.
Want the background as well as the numbers? Our invoicing guides cover how to write an invoice, when to register for VAT, and what to do when a client won't pay.