35+ FREE TOOLS

All Calculators & Tools

Free professional tools for accounting, payroll, taxes, business finance, personal finance, and PDF conversion. Built for bookkeepers, accountants, and small business owners.

Business Finance

Profitability, investment, and business planning tools

Profit Margin Calculator

Gross margin, net margin, and markup analysis

Break-Even Calculator

Units and revenue needed to cover all costs

Return on investment and payback period

Business Loan Calculator

Monthly payments and full loan cost

EBITDA Calculator

Calculate EBITDA, adjusted EBITDA, margin, EV/EBITDA valuation and industry benchmarks

Markup vs Margin

Convert between markup % and margin %

Burn Rate & Runway

Monthly burn rate and months of cash left

Payroll & HR

Payroll calculations, employee compensation, and benefits

Payroll Tax Estimator

Federal, state, FICA withholding — 2026 rates

Overtime Calculator

FLSA, California, and custom overtime rules

Net Pay Calculator

Take-home pay after all taxes and deductions

Hourly ↔ Salary Converter

Convert between hourly, weekly, monthly, annual

PTO & Vacation Accrual

PTO balance, accrual rate, and projections

401(k) Calculator

Contributions, employer match, retirement projection

Tax Tools

Sales tax, income tax, self-employment, and quarterly estimates

Business Sales Tax Return

All 50 states — file-ready return calculator

Meals Tax Calculator

Restaurant food & beverage tax — all states

E-Commerce Sales Tax

Multi-state, multi-county — Excel upload supported

Self-Employment Tax

SE tax, deductions, and quarterly estimates

Quarterly Tax Calculator

2026 estimated quarterly payments — Form 1040-ES

1099 vs W-2 Calculator

True cost comparison for employers and workers

Bookkeeping & Accounting

Daily bookkeeping tools for small business owners and accountants

Invoice Late Fee Calculator

Late fees, interest, and payment terms

AR Aging Calculator

Accounts receivable aging report and bad debt reserve

Cash Flow Calculator

Operating, investing, and financing cash flows

Depreciation Calculator

MACRS, straight-line, Section 179 — full schedule

Personal Finance

Personal money tools for everyday financial decisions

Mortgage Calculator

Monthly payment, PMI, tax, insurance breakdown

Loan Amortization

Full month-by-month amortization schedule

Compound Interest

Investment growth with contributions over time

Savings Goal Calculator

Monthly savings needed to reach any goal

Monthly budget with 50/30/20 rule analysis

Debt Payoff Calculator

Avalanche vs snowball — fastest path to debt freedom

PDF Tools

Free PDF conversion and merging tools — no signup, no limits, all browser-based

Convert Files to PDF

Convert JPG, PNG, Word, Excel, and text files into a PDF

Combine unlimited PDFs into one — free, no page limits, drag to reorder

Convert PDF to Word / Excel / JPG

Extract text, images, or tables from any PDF — free and private