Free Finance Calculators

Calculate your ideal hourly, daily, and monthly freelance rates based on your salary goals, expenses, and available work hours. Includes tax and overhead buffer.

Instantly calculate gross, operating, and net profit margins. Compare your margins against industry benchmarks to see how your business stacks up.

Find out exactly how many units you need to sell to cover your costs. Includes a 12-month projection table to plan your path to profitability.

Compare up to 3 loans side by side. See monthly payments, total interest, and total cost to find the best financing option for your business.

Track outstanding invoices by aging bucket (current, 30, 60, 90+ days). Calculate late fees and understand your average collection period.

Calculate your total SaaS spend across all tools. Add each subscription, compare monthly vs annual billing, and discover how much you could save by switching to annual plans.

Compare the true cost of hiring a full-time employee versus an independent contractor. Factor in benefits, taxes, overhead, and hidden costs for a clear side-by-side comparison.

Determine whether a software subscription is worth the investment. Calculate your monthly and annual ROI, payback period, and net value based on time saved and your hourly rate.

Estimate your federal and state income tax obligations for 2026. Get quarterly payment amounts, effective tax rates, and payment due dates based on your filing status and income.

Compare Sole Proprietorship, LLC, S-Corp, and C-Corp structures side by side. See estimated taxes, liability protection, and complexity for each entity type based on your expected income.

Project your cash flow 6 months ahead with recurring revenue, recurring expenses, and one-time items. Visualize monthly net cash flow and spot months where your balance goes negative before they happen.

Compare cost-plus, competitive, and value-based pricing strategies side by side. See the price, margin, and units needed for $100K revenue under each approach to find your optimal pricing.

Compare the projected growth of your investment across S&P 500, bonds, high-yield savings, and real estate. See final values, total gains, and a visual breakdown of contributions vs compound growth.

Calculate annual depreciation schedules using Straight-Line, Double Declining Balance, or MACRS methods. See year-by-year book values, accumulated depreciation, and percentage progress for any asset.

Add your clients with their monthly revenue and hours, then instantly see effective hourly rates, profitability rankings, and which clients deserve more attention or renegotiation.