Free tools
Free business and notary tools
169 free calculators, checkers and builders. They run in your browser, there is no sign-up, and what you type is not saved.
Bookkeeping and small business
Overtime pay calculator
Work out overtime pay and gross pay for a week.
Open the tool →TOOLProfit margin and markup calculator
Turn a cost into a price at the margin or markup you want.
Open the tool →TOOLBreak-even calculator
See how many sales cover your costs.
Open the tool →TOOLFreelance hourly rate calculator
Find the hourly rate that covers income, costs and taxes.
Open the tool →TOOLFree invoice generator
Make an invoice with totals and a due date, then print or save it.
Open the tool →TOOLDays sales outstanding calculator
See how many days customers take to pay.
Open the tool →TOOLInventory turnover calculator
Measure how often you sell through stock.
Open the tool →TOOLSales tax calculator
Add tax to a price or take it out of a total.
Open the tool →TOOLSales commission calculator
Estimate flat or tiered commission.
Open the tool →TOOLBusiness loan payment calculator
See the payment, interest and what extra payments save.
Open the tool →TOOLDepreciation calculator
Build a straight-line depreciation schedule.
Open the tool →TOOLSelf-employed tax calculator
Estimate what to set aside for self-employment taxes.
Open the tool →TOOLDo I need to send a 1099?
A short check of when a 1099 is needed.
Open the tool →TOOL1099 contractor payment tracker
Paste what you paid contractors and see who likely needs a 1099-NEC.
Open the tool →TOOLCraft fair profit calculator
See whether a market or fair was worth it.
Open the tool →TOOLBank reconciliation difference finder
Find why a reconciliation is off.
Open the tool →TOOLAre my books ready for taxes?
A ten-question check of your books.
Open the tool →TOOLQuarterly estimated tax calculator
Estimate each quarterly payment and the safe harbor.
Open the tool →TOOLCash flow and burn rate calculator
See net burn, runway and a month-by-month forecast.
Open the tool →TOOLCost of goods sold calculator
Work out COGS and gross margin from your inventory.
Open the tool →TOOLEBITDA calculator
Add back interest, taxes and depreciation to net income.
Open the tool →TOOLTax deduction checklist
A printable list of deductions to check by business type.
Open the tool →TOOLEmployee cost calculator
The true yearly cost of an employee, with payroll costs.
Open the tool →TOOLContractor vs employee cost
Compare cost per productive hour.
Open the tool →TOOLPrice per unit calculator
Find the lowest price per unit across options.
Open the tool →TOOLDiscount and percent change calculator
Sale price after discounts, and percent change.
Open the tool →TOOLCredit card fee calculator
See card fees and what to charge to cover them.
Open the tool →TOOLPayout reconciliation calculator
Does a Stripe, Square or PayPal deposit match its sales, refunds and fees?
Open the tool →TOOL1099-K reconciliation calculator
Match a 1099-K to the sales in your books.
Open the tool →TOOLMileage deduction calculator
Standard rate or actual costs, side by side.
Open the tool →TOOLCurrent ratio calculator
Current, quick and cash ratios and working capital.
Open the tool →TOOLROI and payback calculator
See the return and payback period on a purchase.
Open the tool →TOOLDebt service coverage ratio calculator
See if income covers loan payments, with the cushion left.
Open the tool →TOOLDebt-to-income ratio calculator
Front-end and back-end DTI from income and payments.
Open the tool →TOOLAsset turnover ratio calculator
Sales per dollar of assets, plus fixed asset turnover.
Open the tool →TOOLNPV, IRR and payback calculator
Paid, one-time: test a purchase or project with discounted cash flows.
Open the tool →TOOLWACC calculator
Paid, one-time: the blended cost of your equity and debt.
Open the tool →TOOLAltman Z-score calculator
Paid, one-time: a classic distress screen for private companies.
Open the tool →TOOLOperating leverage and break-even
Paid, one-time: how far sales can fall, and how profit swings.
Open the tool →TOOLBlack-Scholes option calculator
Paid, one-time: call and put values with delta, gamma, vega, theta.
Open the tool →TOOLDuPont analysis calculator
Split return on equity into margin, turnover and leverage.
Open the tool →TOOLOperating cash flow ratio calculator
Does operating cash cover your short-term bills?
Open the tool →TOOLNet profit margin calculator
Gross, operating and net margin from your numbers.
Open the tool →TOOLEarly payment discount calculator
What 2/10 net 30 is worth as a yearly rate.
Open the tool →TOOLLate payment fee calculator
Interest and fees on a late invoice.
Open the tool →TOOLDebt-to-equity ratio calculator
How much of the business is financed by debt.
Open the tool →TOOLQuick ratio and working capital
Can you cover short-term bills without selling inventory?
Open the tool →TOOLReceivables turnover calculator
How fast customers pay.
Open the tool →TOOLROE and ROA calculator
Profit earned on the money invested.
Open the tool →TOOLOperating margin calculator
Gross and operating margin from revenue and costs.
Open the tool →TOOLCAGR calculator
Steady yearly growth between two values.
Open the tool →TOOLCompound interest calculator
Growth with regular contributions.
Open the tool →TOOLSimple interest calculator
Interest and total on a simple-interest loan.
Open the tool →TOOLProrated rent calculator
Rent for a partial month.
Open the tool →TOOLTime card calculator
Hours worked and pay from start and end times.
Open the tool →TOOLLTV and CAC calculator
Customer value versus acquisition cost.
Open the tool →TOOLCash conversion cycle calculator
Days cash is tied up between suppliers and customers.
Open the tool →TOOLDays payable outstanding calculator
How long you take to pay suppliers.
Open the tool →TOOLContribution margin calculator
What each sale contributes to fixed costs and profit.
Open the tool →TOOLInterest coverage ratio calculator
How many times operating income covers interest.
Open the tool →TOOLRetained earnings calculator
Roll retained earnings forward for the year.
Open the tool →TOOLCustomer churn rate calculator
The share of customers you lose in a period.
Open the tool →TOOLEmployee turnover rate calculator
The share of your team that left.
Open the tool →TOOLROAS and cost per acquisition
What advertising returns and costs per customer.
Open the tool →TOOLConversion rate calculator
Visitors to orders, and revenue per visitor.
Open the tool →TOOLBudget variance calculator
Actual versus budget, favorable or not.
Open the tool →TOOLTax deadline calendar
Key small business tax dates in one place.
Open the tool →TOOLSmall business tax deadlines
Federal due dates for the filing season, in order, with what to prepare.
Open the tool →TOOLFree Excel templates
Invoice, mileage log, 1099 tracker, month-end checklist and more.
Open the tool →TOOLEconomic order quantity (EOQ) calculator
Find the order size that balances ordering costs against the cost of holding stock, and when to reorder.
Open the tool →TOOLCap rate calculator
Estimate the return on a rental property before financing.
Open the tool →TOOLRental yield and gross rent multiplier calculator
Compare rental properties on yield and price relative to rent.
Open the tool →TOOLCash-on-cash return calculator
See the yearly cash you earn on the cash you put in.
Open the tool →TOOLMortgage payment calculator
Work out the monthly principal and interest on a fixed-rate loan, plus tax and insurance if you add them.
Open the tool →TOOLDebt payoff calculator
See how long it takes to pay off a card or loan at a fixed payment.
Open the tool →TOOLSavings goal calculator
Find what to set aside each month to reach a target by a date.
Open the tool →TOOLNPV calculator
Check whether an investment's future cash flows are worth more than what you pay today.
Open the tool →TOOLIRR calculator
Find the rate of return that makes an investment's cash flows equal to its cost.
Open the tool →TOOLRule of 72 calculator
Estimate how long it takes for money to double at a given rate.
Open the tool →TOOLPresent value and future value calculator
See what an amount will be worth later, or what a future amount is worth today.
Open the tool →TOOLWeighted average calculator
Average values that count for different amounts, such as grades, prices or costs.
Open the tool →TOOLProrated salary calculator
Work out pay for a partial month or a mid-period start or end date.
Open the tool →TOOLVacation accrual calculator
Turn a yearly vacation allowance into hours earned each pay period.
Open the tool →TOOLCost per square foot calculator
Compare homes, rents, builds and remodels on cost per square foot.
Open the tool →TOOLLeads needed calculator
Work backward from a revenue goal to the leads you need to bring in.
Open the tool →TOOLProject quote calculator
Price a project from your hours, your costs and the margin you want.
Open the tool →TOOLLoan-to-value ratio calculator
See how much of a property's value is borrowed.
Open the tool →TOOLPercentage calculator
Three common percentage questions answered at once from two numbers.
Open the tool →TOOLAuto loan calculator
Estimate a monthly car payment and the total interest. Enter the price, sales tax, down payment, trade-in value, interest rate and loan length.
Open the tool →TOOLLoan amortization schedule calculator
Enter a loan amount, an interest rate and the years to see the monthly payment and a year-by-year split of interest and principal.
Open the tool →TOOLLoan comparison calculator
Put two offers side by side. Enter the same loan amount with each lender's rate and term to see which costs less overall.
Open the tool →TOOLDown payment calculator
See what a down payment is for any price and how the loan amount changes at different percentages.
Open the tool →TOOLStacked discount calculator
When a sale takes 20% off and a coupon takes another 10%, the total is not 30%. Enter the discounts in order to see the real result.
Open the tool →TOOLHours and minutes to decimal calculator
Payroll and invoices often need time as a decimal, such as 7.75 hours. Convert in either direction.
Open the tool →TOOLRefinance break-even calculator
Find how long it takes for monthly savings to repay the cost of refinancing.
Open the tool →TOOLBooks Audit Python script
One file you run on your own computer. Feed it a ledger CSV (and a bank CSV if you have one) and get a plain-English report of what deserves a second look.
Open the tool →TOOLTransaction Categorizer Python script
Teach it from last year's categorized transactions, then hand it this month's bank export. It suggests a category for every line and tells you how sure it is.
Open the tool →TOOLFinancial Statements Builder Python script
Give it a monthly trial balance and get a profit and loss, a balance sheet, an indirect cash flow statement that reconciles to your cash, ratios, and a list of what moved.
Open the tool →TOOLDepreciation and Loan Schedule Python script
Build a fixed-asset depreciation register for many assets at once, and see what extra loan payments save. One file, run on your computer.
Open the tool →TOOLAutomated Checkbook Register Python script
Import your bank export and let the script keep the register: new lines only, categorized, with a running balance. Then reconcile to your statement, check the budget and see which bills are coming.
Open the tool →TOOLMCC Financial Suite
Every advanced calculator and every Python script in one purchase, plus a launcher that runs them all. Pay once and keep the files.
Open the tool →TOOLDebt Payoff Planner Python script
List your debts, add what extra you can pay each month, and see exactly how long each strategy takes and what it costs in interest.
Open the tool →TOOLRetirement Monte Carlo Python script
See the odds your savings last instead of a single straight-line projection. Enter your age, savings, contributions and planned spending.
Open the tool →TOOLHome and Car Cost Python script
Three big-purchase questions in one file: what can I afford, is renting or buying better over my time horizon, and what will this car really cost.
Open the tool →TOOLMCC Personal Finance Suite
Four tools for your own money, one purchase, plus a launcher that runs them all: an automated checkbook, a debt payoff planner, a retirement simulator and home and car cost tools.
Open the tool →TOOLTallyfinch downloadable bookkeeping software
Simple double-entry books for freelancers and small service businesses: invoices, bills, bank import, reconciliation, profit and loss and a balance sheet. Your books are one file on your own computer, not in someone else's cloud. Buy it once; a small monthly plan covers updates, and the app keeps working if you stop it.
Open the tool →TOOLWrenfold personal finance software
A lightweight personal finance app in a single file. Your data is one database file you own and it never leaves your computer; the app only checks in with MCC Solutions to confirm your licence. It is sold on its own, separate from any membership: a fixed price once, then a small monthly fee that covers updates and email support. If you stop the monthly fee, the app keeps working and your data stays yours; you just stop getting updates and support.
Open the tool →TOOLMCC Tax 1040 software
Work through your income, adjustments, deductions and payments in your browser, and get a completed Form 1040 with the schedules it supports, laid out line by line in the order of the IRS forms. It compares the standard deduction with itemizing and uses the larger unless you choose. You pick the tax year you are filing for, and each year keeps its own answers in a file on your computer, never sent to us. It does not e-file. You sign your own return and you are responsible for every amount on it.
Open the tool →TOOLGig driver earnings per mile calculator
Find out what a shift really paid after fuel and other costs.
Open the tool →TOOLReal estate commission split calculator
See what you keep from a closing after the brokerage split, fees and referral.
Open the tool →TOOLReorder point and safety stock calculator
Find the stock level at which to place your next order so you do not run out.
Open the tool →TOOLHOA dues per unit calculator
Work out what each unit pays from the association's budget, and what a special assessment costs per unit.
Open the tool →TOOLOwner-operator cost per mile calculator
Find what each mile really costs you, then what a load has to pay.
Open the tool →TOOLDeadhead percentage and revenue per mile calculator
See what a load pays per mile once the empty miles to get there are counted.
Open the tool →TOOLIFTA net taxable gallons calculator
Work out net taxable gallons by state from miles and fuel purchases.
Open the tool →TOOLShort-term rental break-even occupancy calculator
Find the occupancy you need before the property makes a dollar of profit.
Open the tool →TOOLShort-term rental nightly rate for a profit target calculator
See the nightly rate needed to hit a monthly profit goal at 50, 60 and 70 percent occupancy.
Open the tool →TOOLContractor overhead rate per labor hour calculator
Find what an hour of labor really costs once overhead and payroll burden are added.
Open the tool →TOOLMenu item food cost percentage calculator
See what a dish costs per serving and what to charge for a food cost you want.
Open the tool →TOOLInventory turnover and days of inventory calculator
See how many times you sell through your stock and how long it sits.
Open the tool →Notary
Does my document need a notary?
Check what kind of document you have.
Open the tool →TOOLCan I get this notarized online?
See whether remote notarization fits your document.
Open the tool →TOOLNotary cost calculator
Estimate the cost of a notarization.
Open the tool →TOOLApostille finder
Find out whether you need an apostille.
Open the tool →TOOLChild travel consent letter
Build a consent letter for a child traveling.
Open the tool →TOOLNotary journal template
Build and print a notary journal sheet.
Open the tool →TOOLNotary document checker
See what usually applies to your document before you book.
Open the tool →TOOLDays between dates calculator
Count the days between two dates, useful for deadlines, notice periods and waiting periods.
Open the tool →TOOLDate calculator: add or subtract days
Find the date that is a set number of days before or after a start date.
Open the tool →Websites and local SEO
Word counter and reading time
Count words and estimate reading time.
Open the tool →TOOLUTM link builder
Tag a link so analytics shows which campaign sent visitors.
Open the tool →TOOLSearch result preview
See how a page might look in Google results.
Open the tool →TOOLGoogle Business Profile checklist
Check your profile against the basics.
Open the tool →TOOLGoogle review link and QR code
Make a link and QR code that asks for a review.
Open the tool →TOOLLocal business schema generator
Generate structured data for a local business.
Open the tool →TOOLFree website audit
Check one page for the basics and see what to fix first.
Open the tool →TOOLURL slug generator
Turn a title into a clean slug for a page address.
Open the tool →TOOLKeyword density checker
See how often a word or phrase appears in your text.
Open the tool →TOOLOpen Graph tag generator
Control how your page looks when it is shared on social media and chat apps.
Open the tool →TOOLrobots.txt generator
Create a simple robots.txt file for your site.
Open the tool →Everyday math and home projects
Tip and bill split calculator
Work out the tip and split the check evenly.
Open the tool →TOOLGas mileage (MPG) calculator
Fill the tank, reset the trip meter, and fill again. Enter the miles and the gallons it took.
Open the tool →TOOLTrip fuel cost calculator
Estimate what a drive will cost in fuel.
Open the tool →TOOLRatio calculator
Enter A, B and C to find the missing number in A : B = C : D. The answer updates as you type.
Open the tool →TOOLAverage, median and mode calculator
Paste numbers separated by commas, spaces or new lines.
Open the tool →TOOLStandard deviation calculator
See how spread out a set of numbers is.
Open the tool →TOOLSquare footage calculator
Measure a rectangle in feet to get its area, then add extra for waste when buying materials.
Open the tool →TOOLPaint calculator
Estimate gallons for a room's walls. Set the coverage from the paint can label.
Open the tool →TOOLFlooring and tile calculator
Find how many tiles or planks to buy for a rectangular floor.
Open the tool →TOOLAge calculator
Find an exact age on any date.
Open the tool →TOOLLength converter
Convert between metric and US units.
Open the tool →TOOLFraction to decimal calculator
Turn a fraction into a decimal and a percent.
Open the tool →TOOLRent split calculator
Compare an equal split with one based on income for two or three people.
Open the tool →TOOLAspect ratio calculator
Enter a width and height to see the ratio, then resize to a new width or height and keep the shape.
Open the tool →TOOLRatio to percent calculator
Enter the parts of a ratio and see what percent of the whole each part is.
Open the tool →TOOLRecipe scaler
Paste your ingredients, enter the original and wanted servings, and get a scaled list you can copy.
Open the tool →TOOLBaker's percentage calculator
Give the flour weight and each ingredient as a percentage of the flour, and get the weight of everything else.
Open the tool →TOOLMix ratio calculator
Enter the ratio and the total amount, and get how much of each part to measure out.
Open the tool →TOOLEmergency fund calculator
Turn your must-pay monthly costs into a savings target and a timeline.
Open the tool →TOOLNet worth calculator
Add up what you own, subtract what you owe, and see the result.
Open the tool →TOOLHoliday budget calculator
Add up the whole holiday season and see what to set aside each month.
Open the tool →TOOLSinking fund calculator for yearly bills
Turn bills that arrive once a year into a steady amount you set aside each month.
Open the tool →TOOLDecimal hours to minutes converter
Turn a timesheet figure like 7.75 into hours and minutes, or go the other way.
Open the tool →TOOLPayroll time rounding calculator
Enter a punch in and punch out and see the paid hours under a rounding rule.
Open the tool →TOOLTemperature converter
Enter a temperature and pick the scale you have and the scale you want.
Open the tool →TOOLCooking measurement converter
Switch between US kitchen measures and metric volume.
Open the tool →TOOLWeight converter
Convert between pounds, kilograms, ounces and more.
Open the tool →TOOLGPA calculator
Type one course per line as a letter grade and its credits, such as B+ 3.
Open the tool →TOOLRunning pace calculator
Enter how far you ran and how long it took.
Open the tool →Want the reasoning behind the numbers? Read the money and home project guides.