Free calculators for independent work and business planning.

Find your ideal hourly or day rate based on income goal, billable hours, and expenses.

Compare net income as a 1099 contractor vs W-2 employee with benefits factored in.

See what you actually take home after Upwork service fees and payment processing.

Estimate your US self-employment tax on Schedule SE income.

Plan quarterly estimated tax payments using current-year and safe-harbor targets.

Create a clean, shareable invoice PDF in under a minute. No signup.

Estimate annual billable capacity, non-billable workload, and utilization targets.

Price freelance projects from hours, expenses, revisions, risk, profit, tax reserve, and deposits.

Calculate overdue invoice days, interest, recovery fees, and total late-payment charges.

Australian freelancer tax calculator: ABN income vs PAYG employee comparison.

Estimate Solo 401k and SEP IRA contribution limits for self-employed savers.

Calculate overtime pay including time-and-a-half, double time, and weekend rates.

Convert annual salary to hourly, daily, weekly, or monthly pay.

UK net salary calculator with income tax, National Insurance, and student loan.

Calculate accrued paid time off based on hire date and accrual policy.

Calculate UK notice periods and final working dates from service length, notice date, and contract terms.

UK redundancy pay estimator based on age, weekly pay, and years of service.

Quick check to help UK contractors assess likely IR35 status.

Estimate UK contractor take-home pay for inside or outside IR35 engagements.

Break down assignment income, umbrella margin, employment costs, PAYE deductions, and net pay.

Estimate limited company revenue, salary, corporation tax, dividends, and take-home pay.

Find the inside-IR35 day rate needed to hit a target or match another work scenario.

Convert a contract day rate into a permanent salary equivalent with benefits and unpaid leave.

Compare inside and outside IR35 tax, National Insurance, corporation tax, dividends, and net income.

Estimate umbrella assignment income, employer costs, taxable gross pay, PAYE deductions, and net pay.

Compare umbrella employment with limited-company salary, corporation tax, dividends, and retention.

Work backwards from desired income, expenses, utilization, non-billable time, savings, and buffer.

Estimate take-home pay for sole trader, umbrella company, and limited-company structures.

Add, remove, portion, and compare UK VAT rates from centralized configuration.

Calculate gross margin, net margin, required selling price, and maximum allowable cost.

Convert cost and selling price into markup percentage, margin, and gross profit.

Find break-even units, revenue, contribution margin, expected profit, and margin of safety.

Calculate ROI, net gain or loss, return multiple, annualized ROI, and break-even status.

Estimate runway months, runway date, burn, and cash remaining after selected periods.

Calculate gross burn, net burn, average monthly burn, cash reduction, and runway.

Calculate flat, fixed, base-plus, and tiered sales commission with bonus and effective rate.

Calculate CAC, total acquisition cost, marketing-only CAC, cost per lead, and conversion rate.

Estimate customer lifetime value, gross-profit LTV, LTV-to-CAC ratio, and efficiency.

Calculate conversion rate, non-conversion rate, target gap, and forecast conversions.

Calculate ROAS, revenue per ad dollar, contribution after ads, and target revenue.