---
title: "Free Business Tools | MCC Solutions"
description: "Free calculators, checkers and builders for small business owners and notary customers: invoices, margins, loans, overtime, notary costs and more. No sign-up."
url: "https://mcc-solutionsnj.com/free-tools"
---

Free tools

# Free business and notary tools

221 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

[TOOL ### Overtime pay calculator Work out overtime pay and gross pay for a week. Open the tool →](/bookkeeping/overtime-pay-calculator)[TOOL ### Profit margin and markup calculator Turn a cost into a price at the margin or markup you want. Open the tool →](/bookkeeping/profit-margin-and-markup-calculator)[TOOL ### Break-even calculator See how many sales cover your costs. Open the tool →](/bookkeeping/break-even-calculator)[TOOL ### 1099 deadline calculator See when each 1099 is due to recipients and the IRS. Open the tool →](/bookkeeping/1099-deadline-calculator)[TOOL ### Tips deduction calculator Estimate the federal deduction for qualified tips, 2025 to 2028. Open the tool →](/bookkeeping/tips-deduction-calculator)[TOOL ### Overtime deduction calculator Work out the overtime premium you can deduct, 2025 to 2028. Open the tool →](/bookkeeping/overtime-deduction-calculator)[TOOL ### Car loan interest deduction checker Check whether a new car loan's interest can be deducted. Open the tool →](/bookkeeping/car-loan-interest-deduction-checker)[TOOL ### NJ SALT deduction calculator Estimate a New Jersey household's deductible state and local taxes. Open the tool →](/bookkeeping/nj-salt-deduction-calculator)[TOOL ### What changed for 1099s The old and new 1099-NEC, MISC and K thresholds by year. Open the tool →](/bookkeeping/1099-threshold-changes)[TOOL ### 1099-DA mismatch checker Find out why a crypto 1099-DA may not match your records. Open the tool →](/bookkeeping/1099-da-mismatch-checker)[TOOL ### Inherited IRA 10-year rule checker See which withdrawal rule likely applies and the deadline year. Open the tool →](/bookkeeping/inherited-ira-10-year-rule-checker)[TOOL ### Catch-up contribution calculator Your 2026 retirement plan maximum by age and wages. Open the tool →](/bookkeeping/401k-catch-up-contribution-calculator)[TOOL ### HSA and dependent care FSA limits This year's limits for your coverage and age. Open the tool →](/bookkeeping/hsa-dependent-care-fsa-limit-calculator)[TOOL ### Landed cost calculator Duty, fees and freight per unit for small importers. Open the tool →](/bookkeeping/landed-cost-calculator)[TOOL ### AI tool risk check Ten questions on how much data your team puts into AI tools. Open the tool →](/bookkeeping/ai-tool-risk-check)[TOOL ### Freelance hourly rate calculator Find the hourly rate that covers income, costs and taxes. Open the tool →](/bookkeeping/freelance-hourly-rate-calculator)[TOOL ### Free invoice generator Make an invoice with totals and a due date, then print or save it. Open the tool →](/bookkeeping/free-invoice-generator)[TOOL ### Days sales outstanding calculator See how many days customers take to pay. Open the tool →](/bookkeeping/days-sales-outstanding-calculator)[TOOL ### Inventory turnover calculator Measure how often you sell through stock. Open the tool →](/bookkeeping/inventory-turnover-calculator)[TOOL ### Sales tax calculator Add tax to a price or take it out of a total. Open the tool →](/bookkeeping/sales-tax-calculator)[TOOL ### Sales commission calculator Estimate flat or tiered commission. Open the tool →](/bookkeeping/sales-commission-calculator)[TOOL ### Business loan payment calculator See the payment, interest and what extra payments save. Open the tool →](/bookkeeping/business-loan-payment-calculator)[TOOL ### Depreciation calculator Build a straight-line depreciation schedule. Open the tool →](/bookkeeping/depreciation-calculator)[TOOL ### Self-employed tax calculator Estimate what to set aside for self-employment taxes. Open the tool →](/bookkeeping/self-employed-tax-calculator)[TOOL ### Do I need to send a 1099? A short check of when a 1099 is needed. Open the tool →](/bookkeeping/do-i-need-to-send-a-1099)[TOOL ### 1099 contractor payment tracker Paste what you paid contractors and see who likely needs a 1099-NEC. Open the tool →](/bookkeeping/1099-contractor-payment-tracker)[TOOL ### Craft fair profit calculator See whether a market or fair was worth it. Open the tool →](/bookkeeping/craft-fair-profit-calculator)[TOOL ### Bank reconciliation difference finder Find why a reconciliation is off. Open the tool →](/bookkeeping/bank-reconciliation-difference-finder)[TOOL ### Are my books ready for taxes? A ten-question check of your books. Open the tool →](/bookkeeping/is-my-quickbooks-ready-for-taxes)[TOOL ### Quarterly estimated tax calculator Estimate each quarterly payment and the safe harbor. Open the tool →](/bookkeeping/quarterly-estimated-tax-calculator)[TOOL ### Cash flow and burn rate calculator See net burn, runway and a month-by-month forecast. Open the tool →](/bookkeeping/cash-flow-and-burn-rate-calculator)[TOOL ### Cost of goods sold calculator Work out COGS and gross margin from your inventory. Open the tool →](/bookkeeping/cost-of-goods-sold-calculator)[TOOL ### EBITDA calculator Add back interest, taxes and depreciation to net income. Open the tool →](/bookkeeping/ebitda-calculator)[TOOL ### Tax deduction checklist A printable list of deductions to check by business type. Open the tool →](/bookkeeping/tax-deduction-checklist)[TOOL ### Employee cost calculator The true yearly cost of an employee, with payroll costs. Open the tool →](/bookkeeping/employee-cost-calculator)[TOOL ### Contractor vs employee cost Compare cost per productive hour. Open the tool →](/bookkeeping/contractor-vs-employee-cost-calculator)[TOOL ### Price per unit calculator Find the lowest price per unit across options. Open the tool →](/bookkeeping/price-per-unit-calculator)[TOOL ### Discount and percent change calculator Sale price after discounts, and percent change. Open the tool →](/bookkeeping/discount-and-percent-change-calculator)[TOOL ### Credit card fee calculator See card fees and what to charge to cover them. Open the tool →](/bookkeeping/credit-card-fee-calculator)[TOOL ### Payout reconciliation calculator Does a Stripe, Square or PayPal deposit match its sales, refunds and fees? Open the tool →](/bookkeeping/stripe-square-payout-reconciliation-calculator)[TOOL ### 1099-K reconciliation calculator Match a 1099-K to the sales in your books. Open the tool →](/bookkeeping/1099-k-reconciliation-calculator)[TOOL ### Mileage deduction calculator Standard rate or actual costs, side by side. Open the tool →](/bookkeeping/mileage-deduction-calculator)[TOOL ### Current ratio calculator Current, quick and cash ratios and working capital. Open the tool →](/bookkeeping/current-ratio-calculator)[TOOL ### ROI and payback calculator See the return and payback period on a purchase. Open the tool →](/bookkeeping/roi-and-payback-calculator)[TOOL ### Debt service coverage ratio calculator See if income covers loan payments, with the cushion left. Open the tool →](/bookkeeping/debt-service-coverage-ratio-calculator)[TOOL ### Debt-to-income ratio calculator Front-end and back-end DTI from income and payments. Open the tool →](/bookkeeping/debt-to-income-ratio-calculator)[TOOL ### Asset turnover ratio calculator Sales per dollar of assets, plus fixed asset turnover. Open the tool →](/bookkeeping/asset-turnover-ratio-calculator)[TOOL ### NPV, IRR and payback calculator Paid, one-time: test a purchase or project with discounted cash flows. Open the tool →](/bookkeeping/npv-irr-payback-calculator)[TOOL ### WACC calculator Paid, one-time: the blended cost of your equity and debt. Open the tool →](/bookkeeping/wacc-calculator)[TOOL ### Altman Z-score calculator Paid, one-time: a classic distress screen for private companies. Open the tool →](/bookkeeping/altman-z-score-calculator)[TOOL ### Operating leverage and break-even Paid, one-time: how far sales can fall, and how profit swings. Open the tool →](/bookkeeping/operating-leverage-and-break-even-calculator)[TOOL ### Black-Scholes option calculator Paid, one-time: call and put values with delta, gamma, vega, theta. Open the tool →](/bookkeeping/black-scholes-option-calculator)[TOOL ### DuPont analysis calculator Split return on equity into margin, turnover and leverage. Open the tool →](/bookkeeping/dupont-analysis-calculator)[TOOL ### Operating cash flow ratio calculator Does operating cash cover your short-term bills? Open the tool →](/bookkeeping/operating-cash-flow-ratio-calculator)[TOOL ### Net profit margin calculator Gross, operating and net margin from your numbers. Open the tool →](/bookkeeping/net-profit-margin-calculator)[TOOL ### Early payment discount calculator What 2/10 net 30 is worth as a yearly rate. Open the tool →](/bookkeeping/early-payment-discount-calculator)[TOOL ### Late payment fee calculator Interest and fees on a late invoice. Open the tool →](/bookkeeping/late-payment-fee-calculator)[TOOL ### Debt-to-equity ratio calculator How much of the business is financed by debt. Open the tool →](/bookkeeping/debt-to-equity-ratio-calculator)[TOOL ### Quick ratio and working capital Can you cover short-term bills without selling inventory? Open the tool →](/bookkeeping/quick-ratio-and-working-capital-calculator)[TOOL ### Receivables turnover calculator How fast customers pay. Open the tool →](/bookkeeping/accounts-receivable-turnover-calculator)[TOOL ### ROE and ROA calculator Profit earned on the money invested. Open the tool →](/bookkeeping/return-on-equity-and-assets-calculator)[TOOL ### Operating margin calculator Gross and operating margin from revenue and costs. Open the tool →](/bookkeeping/operating-margin-calculator)[TOOL ### CAGR calculator Steady yearly growth between two values. Open the tool →](/bookkeeping/cagr-calculator)[TOOL ### Compound interest calculator Growth with regular contributions. Open the tool →](/bookkeeping/compound-interest-calculator)[TOOL ### Simple interest calculator Interest and total on a simple-interest loan. Open the tool →](/bookkeeping/simple-interest-calculator)[TOOL ### Prorated rent calculator Rent for a partial month. Open the tool →](/bookkeeping/prorated-rent-calculator)[TOOL ### Time card calculator Hours worked and pay from start and end times. Open the tool →](/bookkeeping/time-card-calculator)[TOOL ### LTV and CAC calculator Customer value versus acquisition cost. Open the tool →](/bookkeeping/ltv-and-cac-calculator)[TOOL ### Cash conversion cycle calculator Days cash is tied up between suppliers and customers. Open the tool →](/bookkeeping/cash-conversion-cycle-calculator)[TOOL ### Days payable outstanding calculator How long you take to pay suppliers. Open the tool →](/bookkeeping/days-payable-outstanding-calculator)[TOOL ### Contribution margin calculator What each sale contributes to fixed costs and profit. Open the tool →](/bookkeeping/contribution-margin-calculator)[TOOL ### Interest coverage ratio calculator How many times operating income covers interest. Open the tool →](/bookkeeping/interest-coverage-ratio-calculator)[TOOL ### Retained earnings calculator Roll retained earnings forward for the year. Open the tool →](/bookkeeping/retained-earnings-calculator)[TOOL ### Customer churn rate calculator The share of customers you lose in a period. Open the tool →](/bookkeeping/customer-churn-rate-calculator)[TOOL ### Employee turnover rate calculator The share of your team that left. Open the tool →](/bookkeeping/employee-turnover-rate-calculator)[TOOL ### ROAS and cost per acquisition What advertising returns and costs per customer. Open the tool →](/bookkeeping/roas-and-cost-per-acquisition-calculator)[TOOL ### Conversion rate calculator Visitors to orders, and revenue per visitor. Open the tool →](/bookkeeping/conversion-rate-calculator)[TOOL ### Budget variance calculator Actual versus budget, favorable or not. Open the tool →](/bookkeeping/budget-variance-calculator)[TOOL ### Tax deadline calendar Key small business tax dates in one place. Open the tool →](/bookkeeping/tax-deadlines)[TOOL ### Small business tax deadlines Federal due dates for the filing season, in order, with what to prepare. Open the tool →](/bookkeeping/deadlines)[TOOL ### Free Excel templates Invoice, mileage log, 1099 tracker, month-end checklist and more. Open the tool →](/bookkeeping/templates)[TOOL ### Receipt Expense Report Drop your PDF receipts, saved receipt emails and receipt photos in one folder and get an expense report by category and month. It can also copy them into a tidy Year/Month/Category folder tree. Open the tool →](/bookkeeping/receipt-expense-report-python-script)[TOOL ### Business Mileage Log Pull trips from your Google Timeline export, your calendar and your own notes, mark each one business, personal or commuting, and get a mileage log with totals and the deduction at the IRS rate. Open the tool →](/bookkeeping/mileage-log-python-script)[TOOL ### Bank Statement Converter Turn a pile of PDF statements and bank downloads into one transactions file you can import or hand to your bookkeeper. Every statement is tied to its ending balance, so you know nothing was missed. Open the tool →](/bookkeeping/bank-statement-converter-python-script)[TOOL ### NJ Sales Tax Splitter Drop in your order exports and see which sales the marketplace already taxed, which NJ sales you owe 6.625% on, and what to put on each quarterly ST-50. Open the tool →](/bookkeeping/nj-sales-tax-splitter-python-script)[TOOL ### Rent Roll and Late Notices Keep a clean monthly rent roll, see who is late and by how much, and print polite reminder notices in minutes. Open the tool →](/bookkeeping/rent-roll-late-notice-python-script)[TOOL ### Notary Journal Digitizer Make your transcribed or spreadsheet notary journal searchable and printable, and catch expired IDs, missing fields and numbering gaps. Open the tool →](/bookkeeping/notary-journal-digitizer-python-script)[TOOL ### NJ Payroll Checker Catch underpaid overtime, rates below the NJ minimum, and Social Security, TDI or FLI withheld past the wage base before they turn into amended returns. Open the tool →](/bookkeeping/nj-payroll-checker-python-script)[TOOL ### Collections Manager Turn an open-invoices list into an aging report, a short weekly to-do list and ready-to-edit reminder letters, without sending anything automatically. Open the tool →](/bookkeeping/accounts-receivable-collections-python-script)[TOOL ### W-9 Tracker & Request Emails Find out which contractors still owe you a W-9 before 1099 season, starting with the ones closest to the reporting threshold. The script drafts a personalized request email for each one, and you review and send them yourself. Open the tool →](/bookkeeping/w9-tracker-python-script)[TOOL ### 1099-NEC & 1099-MISC Preparer Turn a year of payment exports into a 1099 review, printable recipient copies and an upload-ready CSV, all on your own computer. Built for the new $2,000 reporting threshold that applies to payments made in 2026. Open the tool →](/bookkeeping/1099-nec-misc-preparer-python-script)[TOOL ### Quarterly Estimated Tax Helper Find out roughly what you owe in 2026 and how much to pay each quarter to avoid an underpayment penalty, explained in plain English. It works from a single year-to-date number or from a CSV of your income and expenses. Open the tool →](/bookkeeping/quarterly-estimated-tax-python-script)[TOOL ### Economic 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 →](/bookkeeping/economic-order-quantity-calculator)[TOOL ### Cap rate calculator Estimate the return on a rental property before financing. Open the tool →](/bookkeeping/cap-rate-calculator)[TOOL ### Rental yield and gross rent multiplier calculator Compare rental properties on yield and price relative to rent. Open the tool →](/bookkeeping/rental-yield-and-gross-rent-multiplier-calculator)[TOOL ### Cash-on-cash return calculator See the yearly cash you earn on the cash you put in. Open the tool →](/bookkeeping/cash-on-cash-return-calculator)[TOOL ### Mortgage 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 →](/bookkeeping/mortgage-payment-calculator)[TOOL ### Debt payoff calculator See how long it takes to pay off a card or loan at a fixed payment. Open the tool →](/bookkeeping/debt-payoff-calculator)[TOOL ### Savings goal calculator Find what to set aside each month to reach a target by a date. Open the tool →](/bookkeeping/savings-goal-calculator)[TOOL ### NPV calculator Check whether an investment's future cash flows are worth more than what you pay today. Open the tool →](/bookkeeping/npv-calculator)[TOOL ### IRR calculator Find the rate of return that makes an investment's cash flows equal to its cost. Open the tool →](/bookkeeping/irr-calculator)[TOOL ### Rule of 72 calculator Estimate how long it takes for money to double at a given rate. Open the tool →](/bookkeeping/rule-of-72-calculator)[TOOL ### Present value and future value calculator See what an amount will be worth later, or what a future amount is worth today. Open the tool →](/bookkeeping/present-value-and-future-value-calculator)[TOOL ### Weighted average calculator Average values that count for different amounts, such as grades, prices or costs. Open the tool →](/bookkeeping/weighted-average-calculator)[TOOL ### Prorated salary calculator Work out pay for a partial month or a mid-period start or end date. Open the tool →](/bookkeeping/prorated-salary-calculator)[TOOL ### Vacation accrual calculator Turn a yearly vacation allowance into hours earned each pay period. Open the tool →](/bookkeeping/vacation-accrual-calculator)[TOOL ### Cost per square foot calculator Compare homes, rents, builds and remodels on cost per square foot. Open the tool →](/bookkeeping/cost-per-square-foot-calculator)[TOOL ### Leads needed calculator Work backward from a revenue goal to the leads you need to bring in. Open the tool →](/bookkeeping/leads-needed-calculator)[TOOL ### Project quote calculator Price a project from your hours, your costs and the margin you want. Open the tool →](/bookkeeping/project-quote-calculator)[TOOL ### Loan-to-value ratio calculator See how much of a property's value is borrowed. Open the tool →](/bookkeeping/loan-to-value-ratio-calculator)[TOOL ### Percentage calculator Three common percentage questions answered at once from two numbers. Open the tool →](/bookkeeping/percentage-calculator)[TOOL ### Auto 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 →](/bookkeeping/auto-loan-calculator)[TOOL ### Loan 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 →](/bookkeeping/loan-amortization-schedule-calculator)[TOOL ### Loan 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 →](/bookkeeping/loan-comparison-calculator)[TOOL ### Down payment calculator See what a down payment is for any price and how the loan amount changes at different percentages. Open the tool →](/bookkeeping/down-payment-calculator)[TOOL ### Stacked 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 →](/bookkeeping/stacked-discount-calculator)[TOOL ### Hours 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 →](/bookkeeping/hours-and-minutes-to-decimal-calculator)[TOOL ### Refinance break-even calculator Find how long it takes for monthly savings to repay the cost of refinancing. Open the tool →](/bookkeeping/refinance-break-even-calculator)[TOOL ### Books 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 →](/bookkeeping/books-audit-python-script)[TOOL ### Transaction 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 →](/bookkeeping/transaction-categorizer-python-script)[TOOL ### Financial 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 →](/bookkeeping/financial-statements-python-script)[TOOL ### Depreciation 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 →](/bookkeeping/depreciation-and-loan-schedule-python-script)[TOOL ### Automated 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 →](/bookkeeping/checkbook-register-python-script)[TOOL ### MCC 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 →](/bookkeeping/financial-suite)[TOOL ### Debt 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 →](/bookkeeping/debt-payoff-planner-python-script)[TOOL ### Retirement 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 →](/bookkeeping/retirement-monte-carlo-python-script)[TOOL ### Home 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 →](/bookkeeping/home-and-car-cost-python-script)[TOOL ### MCC Automation Suite Eleven tools that turn messy exports into finished, checked work, for one price instead of buying them one at a time, plus a launcher that runs them all. Open the tool →](/bookkeeping/automation-suite)[TOOL ### MCC 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 →](/bookkeeping/personal-finance-suite)[TOOL ### Tallyfinch 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 →](/bookkeeping/mcc-books-downloadable-bookkeeping-software)[TOOL ### Wrenfold 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 →](/bookkeeping/mcc-personal-finance-software)[TOOL ### Kestrel Tax 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 →](/bookkeeping/mcc-tax-1040-software)[TOOL ### Gig driver earnings per mile calculator Find out what a shift really paid after fuel and other costs. Open the tool →](/bookkeeping/gig-driver-earnings-per-mile-calculator)[TOOL ### Real estate commission split calculator See what you keep from a closing after the brokerage split, fees and referral. Open the tool →](/bookkeeping/real-estate-commission-split-calculator)[TOOL ### Reorder 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 →](/bookkeeping/reorder-point-and-safety-stock-calculator)[TOOL ### HOA 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 →](/bookkeeping/hoa-dues-per-unit-calculator)[TOOL ### Owner-operator cost per mile calculator Find what each mile really costs you, then what a load has to pay. Open the tool →](/bookkeeping/owner-operator-cost-per-mile-calculator)[TOOL ### Deadhead 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 →](/bookkeeping/deadhead-percentage-and-revenue-per-mile-calculator)[TOOL ### IFTA net taxable gallons calculator Work out net taxable gallons by state from miles and fuel purchases. Open the tool →](/bookkeeping/ifta-net-taxable-gallons-calculator)[TOOL ### Short-term rental break-even occupancy calculator Find the occupancy you need before the property makes a dollar of profit. Open the tool →](/bookkeeping/short-term-rental-break-even-occupancy-calculator)[TOOL ### Short-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 →](/bookkeeping/airbnb-nightly-rate-for-profit-target-calculator)[TOOL ### Contractor overhead rate per labor hour calculator Find what an hour of labor really costs once overhead and payroll burden are added. Open the tool →](/bookkeeping/contractor-overhead-rate-per-labor-hour-calculator)[TOOL ### Menu 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 →](/bookkeeping/menu-item-food-cost-percentage-calculator)[TOOL ### Inventory turnover and days of inventory calculator See how many times you sell through your stock and how long it sits. Open the tool →](/bookkeeping/inventory-turnover-and-days-of-inventory-calculator)

## Notary

[TOOL ### Does my document need a notary? Check what kind of document you have. Open the tool →](/notary/does-my-document-need-a-notary)[TOOL ### Can I get this notarized online? See whether remote notarization fits your document. Open the tool →](/notary/can-i-notarize-online)[TOOL ### Notary cost calculator Estimate the cost of a notarization. Open the tool →](/notary/cost-calculator)[TOOL ### Apostille finder Find out whether you need an apostille. Open the tool →](/notary/apostille-finder)[TOOL ### Child travel consent letter Build a consent letter for a child traveling. Open the tool →](/notary/child-travel-consent-letter)[TOOL ### Notary journal template Build and print a notary journal sheet. Open the tool →](/notary/notary-journal-template)[TOOL ### Right-to-cancel date calculator Count the three business days to cancel a refinance. Open the tool →](/notary/right-to-cancel-calculator)[TOOL ### Notary fees by state Look up the most a notary may charge per act in each state. Open the tool →](/notary/fees-by-state)[TOOL ### Remote notarization by state Where notaries can work remotely, with each state's rules. Open the tool →](/notary/remote-notarization-status-by-state)[TOOL ### Closing type checker Tell a hybrid closing from an eClosing or RON closing. Open the tool →](/notary/closing-type-checker)[TOOL ### Notary document checker See what usually applies to your document before you book. Open the tool →](/notary/document-checker)[TOOL ### Days between dates calculator Count the days between two dates, useful for deadlines, notice periods and waiting periods. Open the tool →](/notary/days-between-dates-calculator)[TOOL ### Date calculator: add or subtract days Find the date that is a set number of days before or after a start date. Open the tool →](/notary/due-date-calculator)

## Websites and local SEO

[TOOL ### Word counter and reading time Count words and estimate reading time. Open the tool →](/websites/word-counter-and-reading-time-calculator)[TOOL ### UTM link builder Tag a link so analytics shows which campaign sent visitors. Open the tool →](/websites/utm-link-builder)[TOOL ### Search result preview See how a page might look in Google results. Open the tool →](/websites/search-result-preview)[TOOL ### Google Business Profile checklist Check your profile against the basics. Open the tool →](/websites/google-business-profile-checklist)[TOOL ### Google review link and QR code Make a link and QR code that asks for a review. Open the tool →](/websites/google-review-link-and-qr-code)[TOOL ### Local business schema generator Generate structured data for a local business. Open the tool →](/websites/local-business-schema-generator)[TOOL ### Free website audit Check one page for the basics and see what to fix first. Open the tool →](/websites/website-audit)[TOOL ### URL slug generator Turn a title into a clean slug for a page address. Open the tool →](/websites/url-slug-generator)[TOOL ### Keyword density checker See how often a word or phrase appears in your text. Open the tool →](/websites/keyword-density-checker)[TOOL ### Open Graph tag generator Control how your page looks when it is shared on social media and chat apps. Open the tool →](/websites/open-graph-tag-generator)[TOOL ### robots.txt generator Create a simple robots.txt file for your site. Open the tool →](/websites/robots-txt-generator)

## Letters you can print

[TOOL ### Security deposit return letter Itemize deductions and see your state's return deadline. Open the tool →](/tools/security-deposit-return-letter)[TOOL ### Rent increase notice Old rent, new rent and start date, with your state's notice rule. Open the tool →](/tools/rent-increase-notice)[TOOL ### Small claims demand letter Ask for payment before court, with your state's limit. Open the tool →](/tools/small-claims-demand-letter)[TOOL ### Executor notice letter Tell a bank or creditor about a death and ask for the balance. Open the tool →](/tools/executor-notice-letter)[TOOL ### Executor tracker Paid, one-time: every estate step, date and account in one private place. Open the tool →](/tools/executor-tracker)

## When money is tight

[TOOL ### When money runs short What to do first, and New Jersey help for rent, utilities, food and coverage. Open the tool →](/tools/money-emergency)[TOOL ### Which bills come first? Put your bills in order when there isn't enough to pay them all. Open the tool →](/tools/which-bills-first)[TOOL ### Hardship letters What to ask a lender, utility or landlord for, with a sample letter. Open the tool →](/tools/hardship-letters)[TOOL ### Debt collector rights checker What a collector can't do, and your dispute deadline. Open the tool →](/tools/debt-collector-rights)[TOOL ### Fix your own credit The free steps to check and correct your credit reports. Open the tool →](/tools/fix-your-own-credit)[TOOL ### Medical bill help Surprise bill protection, financial assistance and NJ Charity Care. Open the tool →](/tools/medical-bill-help)[TOOL ### Side income, honestly Real startup costs and pay for small side jobs, and the scams to avoid. Open the tool →](/tools/side-income-honest)

## Benefits, school and health costs

[TOOL ### 2027 marketplace premium estimator Estimate your expected share of a 2027 marketplace plan. Open the tool →](/tools/marketplace-premium-tax-credit-estimator-2027)[TOOL ### Part D out-of-pocket cap tracker See how close you are to the yearly drug cost cap. Open the tool →](/tools/medicare-part-d-out-of-pocket-cap-tracker)[TOOL ### NJ senior tax relief checker Which NJ property tax programs and the senior deduction to look into. Open the tool →](/tools/nj-senior-tax-relief-checker)[TOOL ### Student loan repayment plan calculator Compare RAP, Standard and Tiered Standard payments. Open the tool →](/tools/student-loan-repayment-plan-calculator)[TOOL ### Parent PLUS and graduate loan limits Your funding gap under the new federal loan limits. Open the tool →](/tools/parent-plus-grad-loan-limit-calculator)[TOOL ### Workforce Pell checklist Check a short job-training program against the rules. Open the tool →](/tools/workforce-pell-eligibility-checklist)[TOOL ### Medicaid work hours counter Count monthly hours toward the 80-hour requirement. Open the tool →](/tools/medicaid-work-hours-counter)[TOOL ### SNAP work hours counter Count weekly hours and countable months. Open the tool →](/tools/snap-work-hours-counter)[TOOL ### Trump Account pilot checker Check a child's birth date against the pilot window. Open the tool →](/tools/trump-account-pilot-checker)

## Everyday math and home projects

[TOOL ### Tip and bill split calculator Work out the tip and split the check evenly. Open the tool →](/tools/tip-and-bill-split-calculator)[TOOL ### Gas mileage (MPG) calculator Fill the tank, reset the trip meter, and fill again. Enter the miles and the gallons it took. Open the tool →](/tools/gas-mileage-mpg-calculator)[TOOL ### Trip fuel cost calculator Estimate what a drive will cost in fuel. Open the tool →](/tools/trip-fuel-cost-calculator)[TOOL ### Ratio calculator Fill in any three of A, B, C and D and leave one blank: the calculator finds it. Enter only A and B to simplify a ratio. Fill in all four to check whether two ratios are equal. Open the tool →](/tools/ratio-calculator)[TOOL ### Average, median and mode calculator Paste numbers separated by commas, spaces or new lines. Open the tool →](/tools/average-median-mode-calculator)[TOOL ### Standard deviation calculator See how spread out a set of numbers is. Open the tool →](/tools/standard-deviation-calculator)[TOOL ### Square footage calculator Measure a rectangle in feet to get its area, then add extra for waste when buying materials. Open the tool →](/tools/square-footage-calculator)[TOOL ### Paint calculator Estimate gallons for a room's walls. Set the coverage from the paint can label. Open the tool →](/tools/paint-calculator)[TOOL ### Flooring and tile calculator Find how many tiles or planks to buy for a rectangular floor. Open the tool →](/tools/flooring-and-tile-calculator)[TOOL ### Age calculator Find an exact age on any date. Open the tool →](/tools/age-calculator)[TOOL ### Length converter Convert between metric and US units. Open the tool →](/tools/length-converter)[TOOL ### Fraction calculator Enter two fractions and pick the operation. The answer is simplified and updates as you type. Open the tool →](/tools/fraction-calculator)[TOOL ### Golden ratio calculator Enter one length to get the longer and shorter sides that match the golden ratio of about 1.618. Open the tool →](/tools/golden-ratio-calculator)[TOOL ### Scale factor calculator Enter the original size and the new size. The scale factor, the ratio and the percent change update as you type. Open the tool →](/tools/scale-factor-calculator)[TOOL ### Fraction to decimal calculator Turn a fraction into a decimal and a percent. Open the tool →](/tools/fraction-to-decimal-calculator)[TOOL ### Rent split calculator Compare an equal split with one based on income for two or three people. Open the tool →](/tools/rent-split-calculator)[TOOL ### Aspect 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 →](/tools/aspect-ratio-calculator)[TOOL ### Ratio to percent calculator Enter the parts of a ratio and see what percent of the whole each part is. Open the tool →](/tools/ratio-to-percent-calculator)[TOOL ### Recipe scaler Paste your ingredients, enter the original and wanted servings, and get a scaled list you can copy. Open the tool →](/tools/recipe-scaler)[TOOL ### Baker'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 →](/tools/bakers-percentage-calculator)[TOOL ### Mix ratio calculator Enter the ratio and the total amount, and get how much of each part to measure out. Open the tool →](/tools/mix-ratio-calculator)[TOOL ### Emergency fund calculator Turn your must-pay monthly costs into a savings target and a timeline. Open the tool →](/tools/emergency-fund-calculator)[TOOL ### Net worth calculator Add up what you own, subtract what you owe, and see the result. Open the tool →](/tools/net-worth-calculator)[TOOL ### Holiday budget calculator Add up the whole holiday season and see what to set aside each month. Open the tool →](/tools/holiday-budget-calculator)[TOOL ### Sinking fund calculator for yearly bills Turn bills that arrive once a year into a steady amount you set aside each month. Open the tool →](/tools/sinking-fund-calculator-for-yearly-bills)[TOOL ### Decimal hours to minutes converter Turn a timesheet figure like 7.75 into hours and minutes, or go the other way. Open the tool →](/tools/decimal-hours-to-minutes-converter)[TOOL ### Payroll time rounding calculator Enter a punch in and punch out and see the paid hours under a rounding rule. Open the tool →](/tools/payroll-time-rounding-calculator)[TOOL ### Temperature converter Enter a temperature and pick the scale you have and the scale you want. Open the tool →](/tools/temperature-converter)[TOOL ### Cooking measurement converter Switch between US kitchen measures and metric volume. Open the tool →](/tools/cooking-measurement-converter)[TOOL ### Weight converter Convert between pounds, kilograms, ounces and more. Open the tool →](/tools/weight-converter)[TOOL ### GPA calculator Type one course per line as a letter grade and its credits, such as B+ 3. Open the tool →](/tools/gpa-calculator)[TOOL ### Running pace calculator Enter how far you ran and how long it took. Open the tool →](/tools/pace-calculator)

Want the reasoning behind the numbers? Read the [money and home project guides](/tools/guides).

## Want help beyond a calculator?

[Free books check](/bookkeeping/health-check)[Call (908) 444-6373](tel:+19084446373)