Free Financial Tools
Financial Calculators for Independent Operators
No sign-up required. Transparent math. Exact decimal precision. Built for freelancers, consultants, and solo business owners.
Safe-to-Spend Estimator
Estimate how much you can safely spend after accounting for tax reserves, obligations, and operating buffers.
Cash Runway Calculator
Calculate how many months your current cash can sustain your burn rate.
Profit Margin Calculator
Calculate gross and net profit margins from revenue, direct costs, and operating expenses.
Invoice Profit Estimator
Estimate profit on an invoice after accounting for direct costs, project overhead, and payment processing fees.