Free business calculators & file tools

Calculate the late fee on an overdue invoice free. Enter the amount, days late and monthly or annual rate to get the exact interest and new balance.

Free profit margin calculator. Enter cost and price to get gross margin, profit per unit and markup, or work backwards from a target margin to a price.

Free markup calculator. Turn cost into a selling price at any markup percentage, and see the margin that markup actually produces. No sign-up needed.

Free break-even calculator. Enter fixed costs, price and variable cost per unit to find your break-even point in units, revenue and contribution margin.

Convert an annual salary to an hourly, daily, weekly and monthly rate free. Adjust hours per week and paid time off for a realistic effective hourly wage.

Calculate overtime pay at time and a half or double time. Handles the FLSA bonus rule and California daily overtime. Free, no sign-up.

Calculate PTO accrual per hour worked or per pay period, track your balance, and see how a carryover cap causes hours to be forfeited.

Calculate mileage reimbursement using the 2026 IRS rates. Handles the mid-year change from 72.5 to 76 cents, plus medical and charitable rates.

Generate a mutual or one-way NDA free. Covers the standard exclusions, survival period and compelled disclosure that free templates skip. No sign-up.

Generate a privacy policy that matches your real data practices. Emits the clauses Google requires for AdSense, plus GDPR and CCPA sections. Free.

Generate a refund policy for goods, digital products or services. Warns when your choices collide with posting laws and the EU 14-day right. Free.

Calculate dimensional weight with the current divisors: USPS at 139 since July 2026, UPS/FedEx 139, express 5000 cm³/kg. Free, no sign-up.

Find your freight class from density under the NMFC scale effective July 2025. Shows the legacy chart comparison and reclass warnings. Free.

Work out how many boxes fit on a 48×40 pallet: TI × HI, layers, deck utilization, pallets per shipment and the weight cap. Free.

Calculate CPM from spend and impressions, see the viewable CPM behind it, and plan what any budget buys. Free, no sign-up, runs in your browser.

Calculate click-through rate from clicks and impressions, plan clicks from a CTR, and read the result against typical channel ranges. Free.

Plan a Google Ads budget with Google's real rules: 30.4× monthly cap, 2× daily overdelivery, clicks, leads, sales and the Smart Bidding floor. Free.

Build UTM campaign URLs free: source, medium, campaign and content auto-lowercased and underscored so Analytics never splits your traffic. No sign-up.

How many visitors per variant does your A/B test need? Baseline rate, minimum detectable effect, power and significance — the standard two-proportion formula, free.

Set target ROAS from your gross margin, not a screenshot: break-even ROAS, the tROAS that leaves real profit per order, and the max CPC that clears it. Free.

Calculate conversion rate free: visitors, conversions and spend to rate, cost per conversion, and the gap to your benchmark — with the funnel-stage trap explained.

Free mortgage calculator with taxes, insurance, PMI and HOA. See the true monthly payment on any home price, plus total interest and payoff months.

How much house can you afford? Enter income, debts and down payment to get your price ceiling under the 28/36 rule, with PMI and closing costs.

Project a rent increase over up to ten years with full compounding. See the new rent, the yearly path and the total extra paid — caps and notice rules too.

Estimate buyer closing costs free: lender fees, title, transfer tax and prepaid escrow, itemized — with the total shown against both the loan and the price.

Estimate property tax from home value and the effective rate: annual bill, monthly escrow and homestead exemption — with state rates from the Tax Foundation.

Convert an hourly wage to annual, monthly and biweekly pay in seconds. Set hours and unpaid weeks off to see the real annual figure behind an offer.

Free sales commission calculator: marginal or retrospective tiers, base salary, revenue or gross-profit basis, and draw recovery — see the full payout.

Customer lifetime value done right: gross-margin-adjusted LTV with the revenue figure shown beside it, plus LTV:CAC ratio and CAC payback months.

Concrete calculator for slabs, footings and columns: cubic yards with waste allowance, 80/60/40 lb bag counts, and when to order ready-mix instead.

How much paint do I need? Enter room size and openings for gallons at two-coat math — doors and windows deducted, Sherwin-Williams coverage, gallon + quart buying.

How many boxes of flooring do I need? Room area with layout-based waste — 10% straight, 15% diagonal, 20% herringbone — rounded up to whole boxes, with cost.

How much tile do I need? Room area, tiles from their inch dimensions, pattern waste — 10% straight, 15% diagonal, 20% herringbone — in whole boxes.

Free AI product description generator for online stores. Turn product names and features into ready-to-paste copy. Bring your own free API key.

Free AI payment reminder email generator for overdue invoices. Write a polite nudge, firm follow-up or final notice in seconds. Bring your own free API key.

Free AI review reply generator for Google, Yelp and Facebook. Turn customer reviews into professional responses in seconds. Bring your own free API key.

Compress JPG, PNG and WebP images online for free. Reduce file size without losing quality. No upload — images are processed in your browser.

Resize JPG, PNG and WebP images online for free. Set exact width and height in pixels. No upload — images are processed in your browser.

Convert PNG to JPG online for free and shrink file size instantly. Batch convert multiple PNGs to JPG. No upload — processed in your browser.

Turn any photo into a fuse bead pattern free. Perler, Hama and Artkal palettes with bead counts, board layout and a printable chart. Runs in your browser.

Free AI image generator that turns text prompts into images. Bring your own free API key — prompts go directly from your browser to the AI model. No sign-up here.

Edit photos by describing the change. AI image editor with style transfer, relighting and background swap. Bring your own free API key — no sign-up.

Compress PDF online for free and reduce file size. No upload, no watermark — PDFs are optimized directly in your browser for full privacy.

Merge PDF files online for free and combine multiple PDFs into one document. Reorder pages, no upload, no watermark — processed in your browser.

Split a PDF online for free. Extract single pages or divide a PDF into multiple files. No upload, no watermark — processed in your browser.

Format, beautify, validate and minify JSON online for free. Spot errors instantly with line numbers. No upload — JSON is processed in your browser.

Encode and decode Base64 online for free. Handles UTF-8 text safely. No upload — all conversion runs in your browser for full privacy.

Generate UUID v4 online for free. Create one or thousands of unique IDs at once. No upload — UUIDs are generated in your browser.

Test regular expressions online for free. See matches highlighted live with capture groups and flags. No upload — runs entirely in your browser.