Free Finance Tools & Calculators
A growing library of fast, professional tools for US small businesses and the self-employed. No sign-up, no cost — everything runs right in your browser.
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Break-Even
Find how many units — and how much revenue — you need to cover your fixed costs and start making a profit.
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Business Loan Calculator
Estimate your monthly payment, total interest, and full amortization schedule in seconds.
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Cash Flow
Project 12 months of cash in, cash out and closing balance — and see exactly when you run short.
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Burdened Cost Calculator
See the true annual cost of an employee — wages, payroll taxes, benefits and overhead — plus the real hourly burden rate.
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Invoice Factoring Calculator
Instantly estimate your cash advance, factoring fee, and reserve rebate before you sell an invoice.
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Invoice Generator
Create professional invoices in seconds and download a clean PDF — free, no sign-up.
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Profit Margin
Calculate gross, operating and net margin — and find the price you need to hit a target margin.
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QBI Deduction Calculator
Estimate your 2026 Section 199A qualified business income deduction, including SSTB rules, wage/UBIA limits, and the phase-out bands.
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ROI
Measure return on investment — total ROI, annualized return, and the value multiple on your money.
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S-Corp Tax Savings
Estimate the payroll-tax savings of electing S-Corp taxation, and see how your reasonable salary changes the result.
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Self-Employment Tax
Estimate your 2026 self-employment tax — Social Security, Medicare, the wage-base cap, and your deductible half.
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W-2 vs 1099
Compare an employee salary against contractor pay after 2026 taxes, benefits, and self-employment costs — and find the break-even 1099 rate.
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