Business calculators

Invoices, tax and rates for people who bill their own work.

BusinessBreak-even calculatorHow much you have to sell before the business earns anything — and how much room you have.BusinessFreelance rate calculatorTurn the income you want into the rate you have to charge — counting the hours nobody pays for.BusinessInvoice generatorMake a clean PDF invoice in a minute — no account, no watermark, nothing uploaded.BusinessLoan calculatorMonthly payment, total interest, and what happens when you pay a little extra.BusinessMargin and markup calculatorMargin and markup from the same profit — shown together, because mixing them up costs money.BusinessVAT calculatorAdd VAT or take it back out — including the step almost everyone gets wrong.

Which one do I need?

The arithmetic that decides whether the work pays

These calculators exist because the intuitive answer is wrong often enough to cost real money. Removing 20% VAT is not subtracting 20%. A 50% markup is a 33% margin. An hourly rate derived by dividing income by hours ignores the third of the year nobody pays you for. Each tool shows the naive answer alongside the correct one, because seeing the gap is what makes it stick.

Start from what you need to keep

The freelance rate calculator works backwards from the income you want after tax, adds business costs, and divides by the hours that are genuinely billable — not the hours you work. Most people discover their real rate is half again what they had been charging. The break-even calculator does the same job for a product: how many units before anything is profit, and how far sales can fall before it stops being one.

Invoices without an account

The invoice generator builds a PDF in the page and remembers your own details locally so the second invoice takes seconds. Nothing is uploaded, which means client names and amounts never touch a server. One real limitation, stated plainly: the standard PDF fonts cannot draw Cyrillic, Greek or CJK characters, so the tool detects them and stops rather than producing an invoice with blank spaces where a name should be.

What these tools will not do

They are not accounting software. They do not track what has been paid, chase anyone, file anything, or know your jurisdiction's rules. VAT rates are presets you can override, not tax advice.