Free money & business tools for freelancers
Simple, no-nonsense calculators that help freelancers and self-employed people price their work, invoice clients and understand their numbers. No sign-up, no fluff — and everything runs in your browser, so the figures you type never leave your device.
Tools
Hourly Rate Calculator
Work out the freelance hourly rate you actually need to charge — from your target take-home pay, business costs, tax set-aside and realistic billable hours.
Invoice Generator
Create and download a clean, professional invoice as a PDF — free, no sign-up, no watermark. Your draft stays on your device; nothing is uploaded.
Margin & Markup Calculator
Work out profit margin and markup from a cost and price, or set your price from a target margin. Free, instant, with a margin-vs-markup explainer.
Self-Employment Tax Calculator
Estimate U.S. self-employment tax on your 1099/freelance profit for 2025 or 2026 — Social Security, Medicare, the deductible half and your quarterly share.
Break-Even Calculator
Find the number of sales, projects or billable hours you need to cover your costs — plus the volume to hit a target profit. Free break-even calculator.
Guides
Plain-language guides on pricing, invoicing and managing freelance money — each paired with a tool.
Finding Your Freelance Break-Even Point
How to work out the break-even point for a freelance or one-person business — what contribution margin is, why your own pay belongs in fixed costs, and how much cushion to aim for.
Quarterly Estimated Taxes for Freelancers
How U.S. estimated taxes work for the self-employed — the four payment dates, the safe-harbor rule that protects you from penalties, and a habit that makes it painless.
Self-Employment Tax, Explained (Without the Jargon)
What U.S. self-employment tax is, why it's 15.3%, where the money goes, and why half of it comes back — written for freelancers seeing it for the first time.
The Hidden Costs of Freelancing You Must Price In
The costs new freelancers forget — and that quietly turn a "good" rate into barely breaking even. A specific, itemised reality check.
Hourly vs. Project-Based Pricing: Which Should You Use?
The real trade-offs between charging by the hour and charging per project — with a simple rule for choosing on each job.
How Many Hours Can a Freelancer Actually Bill in a Week?
Why your billable hours are far below 40 — and how the gap quietly wrecks underpriced freelancers. With a worked example.
Why we built this
Most freelancers learn pricing and money management the hard way — by guessing, undercharging and scrambling at tax time. The big accounting apps bury simple answers behind sign-up walls and upsells. FreelanceTally is the opposite: one focused tool per problem, free, and explained in plain language so you understand the number, not just see it.
How it works
- Pick a tool and enter your numbers.
- Get a clear answer with the full breakdown, so you can trust the maths.
- Nothing is uploaded. The calculation happens entirely in your browser.