Freelancer money & business tools
Every tool here is free, needs no account, and runs entirely in your browser. Pick the one that matches the question you're trying to answer.
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.