Skip to calculator
themoneysheet logothemoneysheet
119+ Free Finance Calculators

Your money, calculated.
No guesswork, no fluff.

Precision finance tools built for US freelancers and small business owners. Free, fast, and actually useful — nothing you type ever leaves your browser.

For freelancers & 1099 contractors

Freelancer Finance Tools

Everything a self-employed professional needs — from quarterly taxes to project pricing to retirement planning.

33 tools across 6 categories
Tax & Deductions6 tools
Effective Tax Rate Calculator
Your real blended rate across all brackets
Business Write-Off Estimator
Home office, mileage, gear — total deductions
Tax Set-Aside CalculatorPopular
The % of every payment to hold back for taxes
Self-Employed Health Insurance Deduction Calculator
Premiums are 100% deductible — your tax savings
Mileage Deduction Calculator
Business miles × IRS standard rate = deduction
S-Corp Reasonable Salary Calculator
A defensible salary to minimize SE tax
Pricing & Income9 tools
Freelance Hourly Rate CalculatorPopular
Target income ÷ billable hours + overhead + taxes
Freelance Day Rate Calculator
Turn an hourly rate into a day, week, or project rate
Salary-to-Freelance-Rate Calculator
"I earned $80k employed — what must I charge?"
Freelance Take-Home Pay Calculator
What you actually keep after taxes and expenses
1099 vs W-2 Income CalculatorPopular
True take-home: contract vs employment, side by side
Retainer Pricing Calculator
Price a monthly retainer that protects your margin
Scope Creep Cost Calculator
Extra hours beyond scope → your charge-back amount
Project Price (Fixed-Bid) Calculator
Estimated hours × rate + buffer = fixed-bid quote
Rate Increase Impact Calculator
How much to raise rates to hit an income target
Cash Flow & Budgeting7 tools
Irregular Income Budget Calculator
Budget from your lowest expected monthly income
Income Smoothing Calculator
Turn lumpy pay into a steady monthly paycheck
Business Expense Allocator
Split shared costs into a clean deduction estimate
Client Concentration Risk Calculator
Flag over-reliance on one client by revenue %
Freelance Burn Rate Calculator
Monthly spend vs runway on variable income
Freelance Break-Even (Billable Hours) Calculator
Billable hours needed to cover your costs
Freelancer Emergency Fund Calculator
Your runway: 6–12 months of expenses
Retirement & Savings6 tools
SEP-IRA Contribution Calculator
Max SEP-IRA contribution on net self-employment income
Solo 401(k) Contribution Calculator
Employee + employer limits for a solo 401(k)
Roth IRA Eligibility Calculator
Whether income phases out your Roth contribution
Retirement Savings Goal Calculator
The monthly savings rate to hit your target
HSA Contribution Calculator
Max HSA contribution and its triple tax break
Tax-Advantaged Savings Optimizer
Which account saves you the most tax
Invoicing & Contracts2 tools
Invoice Total Calculator
Line items + tax + discounts = invoice total
Late Fee Calculator
Late-payment interest owed by invoice date and rate
Health & Benefits3 tools
Health Insurance Affordability Calculator
An ACA marketplace estimate you can afford
Benefits Replacement Cost Calculator
True cost of replacing employer benefits
PTO Banking (Self-Funded Time Off) Calculator
Self-fund paid time off from your rate
For small-business owners

Small Business Finance Tools

From cash flow to exit planning — the complete financial toolkit for Main Street business owners.

86 tools across 9 categories
Tax & Compliance12 tools
Business Income Tax Estimator
Estimated federal tax by entity type
Quarterly Estimated Tax CalculatorPopular
IRS safe-harbor amounts due each quarter
Sole Prop vs LLC vs S-Corp CalculatorPopular
Tax liability across all three structures, side by side
S-Corp Salary Optimizer
Reasonable salary vs distribution split to cut SE tax
Sales Tax Calculator
State + local sales tax across all 50 states
Self-Employment Tax Calculator
15.3% SE tax on net profit, broken out
Employer Payroll Tax Calculator
Employer-side FICA, FUTA, and SUTA on wages
Section 179 & Bonus Depreciation Calculator
Immediate expensing vs a depreciation schedule
Depreciation Calculator (SL & MACRS)
Straight-line and MACRS on business assets
Vehicle Deduction Calculator
Actual expense vs standard mileage, compared
Home Office Deduction Calculator
Simplified vs actual method deduction value
Tax Penalty & Interest Estimator
IRS underpayment and failure-to-pay penalties
Profitability & Pricing10 tools
Profit Margin CalculatorPopular
Gross, operating, and net margin from revenue and costs
Break-Even Calculator
Fixed costs ÷ contribution margin = units to break even
Cost of Goods Sold (COGS) Calculator
Materials + labor + overhead per unit produced
Product Pricing Calculator
Cost-plus pricing: COGS + markup % = recommended price
Markup vs Margin Calculator
Convert between the two — most owners confuse them
Price Increase Impact Calculator
How many customers you can lose and still earn the same
Discount Impact Calculator
Extra units a discount must sell to protect profit
Wholesale Pricing Calculator
Set a wholesale price while protecting your retail margin
Subscription Pricing Calculator
Monthly vs annual pricing — churn, LTV, and revenue impact
Service Quote Calculator
Labor + materials + overhead + margin = your quote
Cash Flow & Financial Health8 tools
Cash Flow CalculatorPopular
Monthly inflows vs outflows — a 12-month cash projection
Cash Runway Calculator
Cash ÷ monthly burn = months until you hit zero
Accounts Receivable Aging Calculator
Unpaid invoices bucketed by age to prioritize collections
Net Terms Cost Calculator
What offering Net 30/60/90 really costs your cash
Operating Leverage Calculator
Fixed vs variable cost mix — your risk profile
Burn Rate Calculator
Monthly operating spend — an early-stage essential
Business Emergency Fund Calculator
Reserve target: 3–6 months of operating expenses
Seasonal Revenue Planner
Model cash across your high and low seasons
Payroll & People9 tools
Payroll CalculatorPopular
Gross to net: withholding, FICA, and deductions
True Cost of an Employee CalculatorPopular
Salary + taxes + benefits + overhead = real cost
Contractor vs Employee Calculator
Total cost of a 1099 contractor vs a W-2 hire
Overtime Pay Calculator
FLSA overtime rate and weekly cost
PTO Accrual Calculator
Hours accrued per pay period by policy
Salary vs Hourly Calculator
Total comp compared for salaried vs hourly staff
Benefits Cost Calculator
Annual cost of health, dental, vision, and 401(k)
Hiring Budget Calculator
How much revenue you need to afford your next hire
401(k) Match Calculator
Annual employer cost of matching contributions
Loans & Financing12 tools
Business Loan CalculatorPopular
Monthly payment, total interest, and true APR on any term loan
SBA 7(a) Loan CalculatorPopular
Estimated payments on the SBA's most popular loan program
SBA 504 Loan Calculator
Fixed-asset financing for real estate and equipment
Merchant Cash Advance True-Cost Calculator
True cost of an MCA — factor rate converted to real APR
Business Line of Credit Calculator
Interest on a revolving draw vs a fully drawn balance
Equipment Financing: Buy vs Lease
Buy vs lease vs finance, compared side by side
Invoice Factoring Calculator
Net cash received after factoring fees on unpaid invoices
Loan Affordability (DSCR) Calculator
Can your revenue support the debt? DSCR and coverage ratio
Business Debt Consolidation Calculator
Savings from rolling multiple business debts into one loan
Working Capital & Liquidity Calculator
Current assets minus liabilities — a liquidity snapshot
Startup Funding Gap Calculator
Total startup cost minus your capital = funding needed
Revenue-Based Financing Calculator
Repayment timeline based on a percentage of monthly revenue
E-commerce & Retail12 tools
Shopify Fee CalculatorPopular
Transaction + subscription fees by plan and volume
Amazon FBA Fee CalculatorPopular
Referral + fulfillment + storage fees, net per unit
Etsy Fee Calculator
Listing + transaction + payment fees per sale
Dropshipping Profit Calculator
Supplier + platform + ad cost, profit per order
Inventory Carrying Cost Calculator
Storage, insurance, and opportunity cost of stock
Reorder Point Calculator
Lead time + safety stock = when to reorder
ROAS Calculator
Revenue per dollar of ad spend across channels
Customer Acquisition Cost (CAC) Calculator
Total marketing spend ÷ new customers acquired
Customer Lifetime Value (LTV) Calculator
Order value × frequency × lifespan = customer value
LTV:CAC Ratio Calculator
Is your acquisition spend sustainable? 3:1 benchmark
Churn Rate Calculator
Percent of customers or revenue lost per period
Refund Rate Calculator
How refunds erode your real net revenue
Marketing & Growth Metrics8 tools
Marketing ROI Calculator
(Campaign revenue − cost) ÷ cost × 100
Email Marketing Revenue Calculator
List × open × click × conversion = revenue
SEO Traffic Value Calculator
Organic visits × CPC = equivalent paid value
Lead Conversion Calculator
Leads × close rate × deal size = projected revenue
Ad Budget Calculator
Revenue target → ad spend given CAC and margin
Referral Program ROI Calculator
Reward cost vs the LTV of a referred customer
Influencer Marketing ROI Calculator
Reach × engagement × conversion vs sponsorship cost
Conversion Rate Optimization Impact Calculator
What lifting conversion 1% does to revenue
Real Estate & Property7 tools
Commercial Mortgage Calculator
Monthly payment on a commercial purchase or refi
Commercial Lease Cost Calculator
Total occupancy cost: rent + NNN + CAM + TI
Buy vs Lease Office Calculator
10-year cost of buying vs renting space
Cap Rate Calculator
Net operating income ÷ value — the investor metric
Rental Property ROI Calculator
Cash-on-cash return and cap rate on rental income
Tenant Improvement Allowance Calculator
Build-out cost per sq ft and payback on TI
Office Space Needs Calculator
Square footage needed by team size and layout
Valuation & Exit Planning8 tools
Business Valuation CalculatorNew
Revenue, EBITDA, and asset-based valuation
Seller's Discretionary Earnings (SDE) Calculator
Seller's discretionary earnings × industry multiple
EBITDA Calculator
Earnings before interest, taxes, depreciation, amortization
Business Sale Proceeds Calculator
Sale price minus fees, taxes, and debt payoff
Capital Gains on Business Sale Calculator
Long- vs short-term gains on a business sale
ROI on Business Investment Calculator
Total return on capital over the holding period
Earnout Calculator
Contingent payments tied to post-sale performance
Goodwill Calculator
Intangible value beyond book value at sale