100 Free Business Calculators

100 Free Calculators for Invoicing, Tax, Pricing, SaaS, Payroll, Ecommerce, and Cash Flow

Search and filter 100 practical business calculators for SMBs, freelancers, agencies, ecommerce businesses, SaaS companies, employers, and finance teams. Every tool is free and works instantly.

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Free business tools by Invopoint for the USA, UK, and Europe.

Cash Flow & PlanningEcommerce & SalesFreelance & ServicesGeneral BusinessInvoicing & PaymentsLoans & InterestOperationsPayroll & EmploymentPricing & MarginSaaS MetricsTax & VAT

100 calculators found

Tax & VATSMB

Sales Tax Calculator

Free sales tax calculator for smb users. Enter price before tax and sales tax rate, review the result, and use the calculation to prepare clearer tax-inclusive prices and invoice totals.

Tax & VATSMB

VAT Calculator

Free vat calculator for smb users. Enter amount, vAT rate, and mode: 1 add, 2 remove, review the result, and use the calculation to prepare clearer tax-inclusive prices and invoice totals.

Pricing & MarginSMB

Profit Margin Calculator

Free profit margin calculator for smb users. Enter revenue and cost, review the result, and use the calculation to make informed pricing and profitability decisions.

Pricing & MarginSMB

Markup Calculator

Free markup calculator for smb users. Enter cost and markup, review the result, and use the calculation to make informed pricing and profitability decisions.

Pricing & MarginSMB

Break-Even Calculator

Free break-even calculator for smb users. Enter fixed costs, price per unit, and variable cost per unit, review the result, and use the calculation to make informed pricing and profitability decisions.

Freelance & ServicesFreelancer

Hourly Rate Calculator

Free hourly rate calculator for freelancer users. Enter annual income goal, annual business expenses, and billable hours per week, review the result, and use the calculation to set sustainable service rates and project.

Invoicing & PaymentsSMB

Invoice Late Fee Calculator

Free invoice late fee calculator for smb users. Enter invoice amount, late fee rate per month, and days overdue, review the result, and use the calculation to improve billing accuracy and payment decisions.

Pricing & MarginSMB

Discount Calculator

Free discount calculator for smb users. Enter original price and discount, review the result, and use the calculation to make informed pricing and profitability decisions.

Invoicing & PaymentsSMB

Invoice Due Date Calculator

Free invoice due date calculator for smb users. Enter invoice date and payment terms, review the result, and use the calculation to improve billing accuracy and payment decisions.

Cash Flow & PlanningSMB

ROI Calculator

Free roi calculator for smb users. Enter amount invested and amount returned, review the result, and use the calculation to support budgeting, forecasting, and cash decisions.

Loans & InterestSMB

Loan Repayment Calculator

Free loan repayment calculator for smb users. Enter loan amount, annual interest rate, and term, review the result, and use the calculation to compare borrowing costs and repayment scenarios.

Loans & InterestSMB

Compound Interest Calculator

Free compound interest calculator for smb users. Enter starting amount, annual rate, and years, review the result, and use the calculation to compare borrowing costs and repayment scenarios.

General BusinessSMB

Percentage Calculator

Free percentage calculator for smb users. Enter percentage and of value, review the result, and use the calculation to support everyday business planning and analysis.

Pricing & MarginSMB

Price Per Unit Calculator

Free price per unit calculator for smb users. Enter total price and quantity, review the result, and use the calculation to make informed pricing and profitability decisions.

Freelance & ServicesFreelancer

Billable Hours Calculator

Free billable hours calculator for freelancer users. Enter hours worked, hourly rate, and tax rate, review the result, and use the calculation to set sustainable service rates and project fees.

Freelance & ServicesAgency

Retainer Pricing Calculator

Free retainer pricing calculator for agency users. Enter hours included per month, hourly rate, and retainer discount, review the result, and use the calculation to set sustainable service rates and project fees.

Cash Flow & PlanningSMB

Cash Flow Calculator

Free cash flow calculator for smb users. Enter current cash balance, cash in per month, and cash out per month, review the result, and use the calculation to support budgeting, forecasting, and cash decisions.

Invoicing & PaymentsSMB

Payment Processing Fee Calculator

Free payment processing fee calculator for smb users. Enter payment amount, processor rate, and fixed fee, review the result, and use the calculation to improve billing accuracy and payment decisions.

Payroll & EmploymentEmployer

Salary to Hourly Calculator

Free salary to hourly calculator for employer users. Enter annual salary, hours per week, and weeks per year, review the result, and use the calculation to estimate employment costs and compensation.

Cash Flow & PlanningSMB

Revenue Growth Calculator

Free revenue growth calculator for smb users. Enter previous period revenue, current period revenue, and project forward, review the result, and use the calculation to support budgeting, forecasting, and cash decisions.

Payroll & EmploymentEmployer

Commission Calculator

Free commission calculator for employer users. Enter sales amount and commission rate, review the result, and use the calculation to estimate employment costs and compensation.

Payroll & EmploymentEmployer

Gross-Up Calculator

Free gross-up calculator for employer users. Enter desired net payment and withholding rate, review the result, and use the calculation to estimate employment costs and compensation.

Payroll & EmploymentEmployer

Payroll Cost Calculator

Free payroll cost calculator for employer users. Enter annual salary, employer tax, and annual benefits, review the result, and use the calculation to estimate employment costs and compensation.

Payroll & EmploymentEmployer

Overtime Pay Calculator

Free overtime pay calculator for employer users. Enter overtime hours, base hourly rate, and overtime multiplier, review the result, and use the calculation to estimate employment costs and compensation.

Payroll & EmploymentEmployer

Salary Increase Calculator

Free salary increase calculator for employer users. Enter current annual salary and increase, review the result, and use the calculation to estimate employment costs and compensation.

Payroll & EmploymentEmployer

Employer Pension Contribution Calculator

Free employer pension contribution calculator for employer users. Enter pensionable salary and employer contribution, review the result, and use the calculation to estimate employment costs and compensation.

Payroll & EmploymentEmployer

Annual Leave Cost Calculator

Free annual leave cost calculator for employer users. Enter annual salary, paid leave days, and working days per year, review the result, and use the calculation to estimate employment costs and compensation.

Payroll & EmploymentEmployer

Sick Leave Cost Calculator

Free sick leave cost calculator for employer users. Enter annual salary, sick days, and working days per year, review the result, and use the calculation to estimate employment costs and compensation.

Tax & VATFreelancer

Freelancer Tax Reserve Calculator

Free freelancer tax reserve calculator for freelancer users. Enter freelance income, deductible expenses, and tax reserve, review the result, and use the calculation to prepare clearer tax-inclusive prices and invoice.

Tax & VATFreelancer

Quarterly Tax Estimate Calculator

Free quarterly tax estimate calculator for freelancer users. Enter estimated annual profit and estimated tax rate, review the result, and use the calculation to prepare clearer tax-inclusive prices and invoice totals.

Tax & VATSMB

VAT Threshold Progress Calculator

Free vat threshold progress calculator for smb users. Enter taxable turnover to date and registration threshold, review the result, and use the calculation to prepare clearer tax-inclusive prices and invoice totals.

Tax & VATSMB

Tax Inclusive Price Calculator

Free tax inclusive price calculator for smb users. Enter tax-inclusive price and tax rate, review the result, and use the calculation to prepare clearer tax-inclusive prices and invoice totals.

Tax & VATSMB

Tax Exclusive Price Calculator

Free tax exclusive price calculator for smb users. Enter tax-exclusive price and tax rate, review the result, and use the calculation to prepare clearer tax-inclusive prices and invoice totals.

Tax & VATFinance Team

Withholding Tax Calculator

Free withholding tax calculator for finance team users. Enter gross payment and withholding rate, review the result, and use the calculation to prepare clearer tax-inclusive prices and invoice totals.

Tax & VATFreelancer

Self-Employment Tax Calculator

Free self-employment tax calculator for freelancer users. Enter net self-employment profit and estimated self-employment tax, review the result, and use the calculation to prepare clearer tax-inclusive prices and.

Tax & VATEcommerce

Import Duty Calculator

Free import duty calculator for ecommerce users. Enter customs value and duty rate, review the result, and use the calculation to prepare clearer tax-inclusive prices and invoice totals.

Tax & VATFinance Team

Reverse Charge VAT Calculator

Free reverse charge vat calculator for finance team users. Enter net transaction amount and vAT rate, review the result, and use the calculation to prepare clearer tax-inclusive prices and invoice totals.

Invoicing & PaymentsSMB

Early Payment Discount Calculator

Free early payment discount calculator for smb users. Enter invoice amount and early payment discount, review the result, and use the calculation to improve billing accuracy and payment decisions.

Invoicing & PaymentsSMB

Invoice Financing Cost Calculator

Free invoice financing cost calculator for smb users. Enter invoice amount, advance rate, and financing fee, review the result, and use the calculation to improve billing accuracy and payment decisions.

Invoicing & PaymentsFinance Team

Days Sales Outstanding Calculator

Free days sales outstanding calculator for finance team users. Enter average accounts receivable, credit sales for period, and days in period, review the result, and use the calculation to improve billing accuracy and.

Invoicing & PaymentsFinance Team

Overdue Invoice Ratio Calculator

Free overdue invoice ratio calculator for finance team users. Enter overdue invoice value and total receivables, review the result, and use the calculation to improve billing accuracy and payment decisions.

Invoicing & PaymentsFinance Team

Collection Rate Calculator

Free collection rate calculator for finance team users. Enter cash collected and invoices due, review the result, and use the calculation to improve billing accuracy and payment decisions.

Invoicing & PaymentsFinance Team

Bad Debt Percentage Calculator

Free bad debt percentage calculator for finance team users. Enter bad debt written off and credit sales, review the result, and use the calculation to improve billing accuracy and payment decisions.

Invoicing & PaymentsSMB

Recurring Invoice Revenue Calculator

Free recurring invoice revenue calculator for smb users. Enter recurring clients, average monthly invoice, and months, review the result, and use the calculation to improve billing accuracy and payment decisions.

Invoicing & PaymentsSMB

Payment Terms Impact Calculator

Free payment terms impact calculator for smb users. Enter monthly invoiced revenue, current payment terms, and proposed payment terms, review the result, and use the calculation to improve billing accuracy and payment.

Invoicing & PaymentsSMB

Card Surcharge Calculator

Free card surcharge calculator for smb users. Enter payment amount and surcharge rate, review the result, and use the calculation to improve billing accuracy and payment decisions.

Invoicing & PaymentsSMB

Stripe Fee Calculator

Free stripe fee calculator for smb users. Enter payment amount, percentage fee, and fixed fee, review the result, and use the calculation to improve billing accuracy and payment decisions.

Invoicing & PaymentsSMB

PayPal Fee Calculator

Free paypal fee calculator for smb users. Enter payment amount, percentage fee, and fixed fee, review the result, and use the calculation to improve billing accuracy and payment decisions.

Invoicing & PaymentsEcommerce

Marketplace Payout Calculator

Free marketplace payout calculator for ecommerce users. Enter gross sale amount, marketplace fee, and fixed fee, review the result, and use the calculation to improve billing accuracy and payment decisions.

Invoicing & PaymentsSMB

Net Payment Required Calculator

Free net payment required calculator for smb users. Enter target amount to receive, processor fee, and fixed fee, review the result, and use the calculation to improve billing accuracy and payment decisions.

Invoicing & PaymentsSMB

Foreign Exchange Fee Calculator

Free foreign exchange fee calculator for smb users. Enter invoice amount, fX markup, and exchange rate, review the result, and use the calculation to improve billing accuracy and payment decisions.

Freelance & ServicesAgency

Project Pricing Calculator

Free project pricing calculator for agency users. Enter estimated hours, hourly rate, and risk buffer, review the result, and use the calculation to set sustainable service rates and project fees.

Freelance & ServicesFreelancer

Day Rate Calculator

Free day rate calculator for freelancer users. Enter annual income goal, annual business costs, and billable days per year, review the result, and use the calculation to set sustainable service rates and project fees.

Freelance & ServicesAgency

Quote Contingency Calculator

Free quote contingency calculator for agency users. Enter base quote and contingency buffer, review the result, and use the calculation to set sustainable service rates and project fees.

Freelance & ServicesAgency

Scope Creep Cost Calculator

Free scope creep cost calculator for agency users. Enter unplanned extra hours, hourly rate, and tax rate, review the result, and use the calculation to set sustainable service rates and project fees.

Freelance & ServicesAgency

Service Package Pricing Calculator

Free service package pricing calculator for agency users. Enter delivery hours, internal hourly rate, and overhead allocation, review the result, and use the calculation to set sustainable service rates and project fees.

Freelance & ServicesAgency

Utilisation Rate Calculator

Free utilisation rate calculator for agency users. Enter billable hours and available hours, review the result, and use the calculation to set sustainable service rates and project fees.

Freelance & ServicesAgency

Realised Hourly Rate Calculator

Free realised hourly rate calculator for agency users. Enter project revenue and actual hours worked, review the result, and use the calculation to set sustainable service rates and project fees.

Freelance & ServicesAgency

Capacity Revenue Calculator

Free capacity revenue calculator for agency users. Enter billable team members, billable hours per person per month, and average billable rate, review the result, and use the calculation to set sustainable service.

Freelance & ServicesAgency

Agency Gross Margin Calculator

Free agency gross margin calculator for agency users. Enter client revenue and delivery payroll and contractor cost, review the result, and use the calculation to set sustainable service rates and project fees.

SaaS MetricsSaaS

Customer Acquisition Cost Calculator

Free customer acquisition cost calculator for saas users. Enter sales and marketing spend and new customers acquired, review the result, and use the calculation to review recurring revenue, retention, and unit economics.

SaaS MetricsSaaS

Customer Lifetime Value Calculator

Free customer lifetime value calculator for saas users. Enter average monthly revenue per customer, gross margin, and monthly churn rate, review the result, and use the calculation to review recurring revenue.

SaaS MetricsSaaS

LTV to CAC Ratio Calculator

Free ltv to cac ratio calculator for saas users. Enter customer lifetime value and customer acquisition cost, review the result, and use the calculation to review recurring revenue, retention, and unit economics.

SaaS MetricsSaaS

Monthly Recurring Revenue Calculator

Free monthly recurring revenue calculator for saas users. Enter paying customers and average monthly revenue per customer, review the result, and use the calculation to review recurring revenue, retention, and unit.

SaaS MetricsSaaS

Annual Recurring Revenue Calculator

Free annual recurring revenue calculator for saas users. Enter monthly recurring revenue, review the result, and use the calculation to review recurring revenue, retention, and unit economics.

SaaS MetricsSaaS

Average Revenue Per User Calculator

Free average revenue per user calculator for saas users. Enter monthly recurring revenue and active paying users, review the result, and use the calculation to review recurring revenue, retention, and unit economics.

SaaS MetricsSaaS

Customer Churn Rate Calculator

Free customer churn rate calculator for saas users. Enter customers lost during period and customers at start of period, review the result, and use the calculation to review recurring revenue, retention, and unit.

SaaS MetricsSaaS

Revenue Churn Calculator

Free revenue churn calculator for saas users. Enter mRR lost during period and mRR at start of period, review the result, and use the calculation to review recurring revenue, retention, and unit economics.

SaaS MetricsSaaS

Net Revenue Retention Calculator

Free net revenue retention calculator for saas users. Enter starting MRR, expansion MRR, and contraction MRR, review the result, and use the calculation to review recurring revenue, retention, and unit economics.

SaaS MetricsSaaS

SaaS Burn Multiple Calculator

Free saas burn multiple calculator for saas users. Enter net cash burn and net new ARR, review the result, and use the calculation to review recurring revenue, retention, and unit economics.

SaaS MetricsSaaS

SaaS Magic Number Calculator

Free saas magic number calculator for saas users. Enter current quarter subscription revenue, previous quarter subscription revenue, and previous quarter sales and marketing spend, review the result, and use the.

SaaS MetricsSaaS

Rule of 40 Calculator

Free rule of 40 calculator for saas users. Enter annual revenue growth and profit margin, review the result, and use the calculation to review recurring revenue, retention, and unit economics.

SaaS MetricsSaaS

MRR Growth Calculator

Free mrr growth calculator for saas users. Enter previous MRR, current MRR, and project forward, review the result, and use the calculation to review recurring revenue, retention, and unit economics.

OperationsSMB

Revenue Per Employee Calculator

Free revenue per employee calculator for smb users. Enter annual revenue and full-time equivalent employees, review the result, and use the calculation to plan capacity, productivity, and operating performance.

OperationsEcommerce

Inventory Turnover Calculator

Free inventory turnover calculator for ecommerce users. Enter cost of goods sold and average inventory, review the result, and use the calculation to plan capacity, productivity, and operating performance.

OperationsEcommerce

Reorder Point Calculator

Free reorder point calculator for ecommerce users. Enter average daily demand, lead time in days, and safety stock units, review the result, and use the calculation to plan capacity, productivity, and operating.

OperationsEcommerce

Safety Stock Calculator

Free safety stock calculator for ecommerce users. Enter maximum daily usage, maximum lead time, and average daily usage, review the result, and use the calculation to plan capacity, productivity, and operating.

OperationsEcommerce

Stockout Cost Calculator

Free stockout cost calculator for ecommerce users. Enter lost unit sales, contribution margin per unit, and expediting and service costs, review the result, and use the calculation to plan capacity, productivity, and.

OperationsEcommerce

Order Fulfilment Cost Calculator

Free order fulfilment cost calculator for ecommerce users. Enter total fulfilment costs and orders fulfilled, review the result, and use the calculation to plan capacity, productivity, and operating performance.

Ecommerce & SalesEcommerce

Average Order Value Calculator

Free average order value calculator for ecommerce users. Enter total sales revenue and number of orders, review the result, and use the calculation to evaluate sales performance, fees, and order economics.

Ecommerce & SalesEcommerce

Conversion Rate Calculator

Free conversion rate calculator for ecommerce users. Enter conversions and visitors, review the result, and use the calculation to evaluate sales performance, fees, and order economics.

Ecommerce & SalesEcommerce

Cart Abandonment Rate Calculator

Free cart abandonment rate calculator for ecommerce users. Enter shopping carts created and completed orders, review the result, and use the calculation to evaluate sales performance, fees, and order economics.

Ecommerce & SalesEcommerce

Return Rate Calculator

Free return rate calculator for ecommerce users. Enter returned units and units sold, review the result, and use the calculation to evaluate sales performance, fees, and order economics.

Ecommerce & SalesEcommerce

Gross Merchandise Value Calculator

Free gross merchandise value calculator for ecommerce users. Enter number of orders and average order value, review the result, and use the calculation to evaluate sales performance, fees, and order economics.

Pricing & MarginSMB

Gross Profit Calculator

Free gross profit calculator for smb users. Enter revenue and cost of goods sold, review the result, and use the calculation to make informed pricing and profitability decisions.

Pricing & MarginSMB

Contribution Margin Calculator

Free contribution margin calculator for smb users. Enter selling price per unit and variable cost per unit, review the result, and use the calculation to make informed pricing and profitability decisions.

Pricing & MarginSMB

Target Profit Calculator

Free target profit calculator for smb users. Enter fixed costs, target profit, and price per unit, review the result, and use the calculation to make informed pricing and profitability decisions.

Pricing & MarginFinance Team

Operating Margin Calculator

Free operating margin calculator for finance team users. Enter operating profit and revenue, review the result, and use the calculation to make informed pricing and profitability decisions.

Pricing & MarginFinance Team

Net Profit Margin Calculator

Free net profit margin calculator for finance team users. Enter net profit and revenue, review the result, and use the calculation to make informed pricing and profitability decisions.

Pricing & MarginFinance Team

EBITDA Margin Calculator

Free ebitda margin calculator for finance team users. Enter eBITDA and revenue, review the result, and use the calculation to make informed pricing and profitability decisions.

Cash Flow & PlanningSMB

Expense Ratio Calculator

Free expense ratio calculator for smb users. Enter operating expenses and revenue, review the result, and use the calculation to support budgeting, forecasting, and cash decisions.

Cash Flow & PlanningSaaS

Burn Rate Calculator

Free burn rate calculator for saas users. Enter starting cash balance, ending cash balance, and months in period, review the result, and use the calculation to support budgeting, forecasting, and cash decisions.

Cash Flow & PlanningSaaS

Cash Runway Calculator

Free cash runway calculator for saas users. Enter current cash balance and monthly net burn, review the result, and use the calculation to support budgeting, forecasting, and cash decisions.

Cash Flow & PlanningSMB

Emergency Fund Calculator

Free emergency fund calculator for smb users. Enter essential monthly operating costs, target coverage months, and current reserve, review the result, and use the calculation to support budgeting, forecasting, and cash.

Cash Flow & PlanningSMB

Savings Goal Calculator

Free savings goal calculator for smb users. Enter target reserve, current reserve, and months to goal, review the result, and use the calculation to support budgeting, forecasting, and cash decisions.

Loans & InterestFinance Team

Debt Service Coverage Ratio Calculator

Free debt service coverage ratio calculator for finance team users. Enter net operating income and annual debt service, review the result, and use the calculation to compare borrowing costs and repayment scenarios.

Loans & InterestSMB

Interest-Only Loan Calculator

Free interest-only loan calculator for smb users. Enter loan amount and annual interest rate, review the result, and use the calculation to compare borrowing costs and repayment scenarios.

Loans & InterestSMB

Simple Interest Calculator

Free simple interest calculator for smb users. Enter principal amount, annual interest rate, and years, review the result, and use the calculation to compare borrowing costs and repayment scenarios.

Loans & InterestSMB

Effective APR Calculator

Free effective apr calculator for smb users. Enter nominal annual rate and compounding periods per year, review the result, and use the calculation to compare borrowing costs and repayment scenarios.

Cash Flow & PlanningFinance Team

Straight-Line Depreciation Calculator

Free straight-line depreciation calculator for finance team users. Enter asset cost, residual value, and useful life in years, review the result, and use the calculation to support budgeting, forecasting, and cash.

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