Free tools for freelancers & small businesses
Practical calculators and generators to help you price your work, get paid on time, and stay on top of tax. Free to use, no signup, and safe to embed on your own site.
Late-Payment Interest & Recovery Calculator
Work out the statutory interest and recovery fees you can legally charge on an overdue invoice — UK, EU, and US rules.
Open toolCost of Late Payments Calculator
See what late-paying clients really cost you each year — the cash tied up plus the hours lost chasing.
Open toolFreelance Rate Calculator
Find the hourly and day rate you need to hit your income goal, with 2026 rate benchmarks by profession.
Open toolPayment Terms & Late-Fee Generator
Generate ready-to-paste payment terms and late-fee clauses for your invoices and contracts.
Open toolTax Set-Aside Calculator
Estimate how much of every payment to save for tax, using real brackets for the US, UK, and Australia.
Open toolSelf-Employment Tax Calculator
Estimate the US Social Security & Medicare (SE) tax on your 1099 income for 2025 or 2024, with the shared wage base and W-2 offset.
Open toolCreate a professional invoice free
Draft invoices from text or voice with AI, pick a template, add payment terms, and send — with automated reminders so you get paid on time. No signup for your first invoice.
Open the invoice generator