Business Tools
Invoice generators, calculators, and tools for entrepreneurs
Invoice Generator
Create professional PDF invoices in seconds
Quote Generator
Create quotes and estimates for clients
Receipt Maker
Generate payment receipts instantly
Profit Margin
Calculate profit margins and markup
Break-Even
Find your break-even point
ROI Calculator
Calculate return on investment
Markup Calculator
Calculate markup and selling price
Discount Calculator
Calculate discounts and final prices
Sales Tax
Calculate sales tax amounts
Hourly to Salary
Convert hourly rate to annual salary
Freelance Rate
Calculate your ideal freelance rate
Payment Fees
Calculate Stripe & PayPal fees
About Our Business Tools
Running a business requires the right tools. Our free business calculators and generators help freelancers, small business owners, and entrepreneurs handle essential financial tasks without expensive software subscriptions.
Create professional invoices, calculate profit margins, determine break-even points, set freelance rates, and compare payment processor fees — all completely free with no signup required.
Understanding Profit Margins
Profit margin is the percentage of revenue that remains as profit after costs are deducted. There are three key types: gross margin (revenue minus direct costs), operating margin (after operating expenses), and net margin (after all expenses including taxes). Each tells a different story about your business health.
A common mistake is confusing markup with margin. A 50% markup on a $10 item means selling at $15, but the margin is only 33%. Our calculators help you convert between the two and find the right pricing for your target profitability.
Break-Even Analysis
Every business needs to know its break-even point — the sales volume where total revenue equals total costs. Below this point you're losing money; above it you're profitable. This analysis is critical for pricing decisions, launch planning, and investor presentations.
Break-even depends on your fixed costs (rent, salaries), variable costs (materials, shipping), and selling price. Our calculator shows exactly how many units or dollars in revenue you need to cover your costs.
Professional Invoicing
Professional invoices aren't just about getting paid — they establish credibility, create legal records, and help with tax documentation. A proper invoice includes your business details, client information, itemized services, payment terms, and a unique invoice number for tracking.
Our invoice generator creates clean, professional invoices that you can download and send immediately, without paying for invoicing software.
Freelance Pricing Strategy
Setting freelance rates is one of the most challenging aspects of self-employment. You need to account for self-employment taxes (typically 15.3% in the US), health insurance, retirement savings, business expenses, and the fact that you can typically only bill 60-70% of your working hours.
Our freelance rate calculator works backward from your desired take-home income to determine the hourly rate that covers all your costs while achieving your income goals.