Free Business & Finance Tools
Profit margins, invoicing, loans, mortgages, budgeting, and more — 39 tools that run in your browser with no sign-ups.
Profit Margin Calculator
Calculate gross, operating, and net profit margins from cost and revenue figures.
Use tool →Break-Even Calculator
Estimate break-even units, required revenue, and margin of safety from your cost structure.
Use tool →Markup vs Margin
Convert between markup and margin percentages. See the difference and avoid pricing mistakes.
Use tool →ROI Calculator
Calculate return on investment from initial cost and final value. See annualized returns.
Use tool →Conversion Rate Calculator
Calculate conversion rate from visitors and conversions. Compare against industry benchmarks.
Use tool →Hourly Rate Calculator
Calculate your ideal hourly rate from annual income goals, expenses, and billable hours.
Use tool →Pricing Calculator
Set profitable prices using direct costs, overhead allocation, fees, and target margin assumptions.
Use tool →Invoice Generator
Create itemized invoices with tax and discount totals, then print or save as PDF.
Use tool →Business Loan Calculator
Estimate business loan payment, total interest, fee impact, and net funding received.
Use tool →Sales Tax Calculator
Calculate sales tax amount and total price. Enter any tax rate to see the full breakdown.
Use tool →Customer Lifetime Value
Calculate CLV from purchase value, frequency, and lifespan. See CLV:CAC ratio and net value.
Use tool →Meeting Cost Calculator
Calculate the true cost of meetings based on attendee salaries and duration. See annual impact.
Use tool →Time Tracking Calculator
Log time entries, track hours worked, and calculate billable amounts with your hourly rate.
Use tool →Project Cost Estimator
Add line items with quantity and unit cost, set contingency, and get a full project estimate.
Use tool →Startup Cost Calculator
Estimate total startup costs across legal, equipment, marketing, operations, and working capital.
Use tool →Commission Calculator
Calculate sales commission with flat or tiered rates. See splits, effective rate, and net to seller.
Use tool →Quote & Estimate Generator
Create professional quotes and estimates with line items, scope of work, terms, and automatic totals.
Use tool →Employee Cost Calculator
Calculate the true cost of hiring beyond salary — taxes, benefits, equipment, and overhead included.
Use tool →Cash Flow Forecast
Project monthly cash flow with income sources, expenses, and one-time items over 3–12 months.
Use tool →Budget Calculator
Track monthly cash flow and compare your spending mix against the 50/30/20 rule.
Use tool →Salary Calculator
Convert between hourly, weekly, bi-weekly, monthly, and annual pay. Adjust hours and weeks.
Use tool →Tip Calculator
Calculate tips and split bills between any number of people. Preset and custom tip percentages.
Use tool →Discount Calculator
Find the final price after any discount. Add sales tax. See exactly how much you save.
Use tool →Loan Calculator
Calculate monthly payments, total interest, and view a full amortization schedule.
Use tool →Credit Card Payoff
See how long to pay off credit card debt and how much interest you'll pay at different payment amounts.
Use tool →Savings Goal Calculator
Calculate monthly savings needed to reach your financial goal by a target date.
Use tool →Retirement Calculator
Project nest egg growth, target savings needs, and retirement income sustainability.
Use tool →Debt Snowball Calculator
Create a payoff plan, see debt-free date, and estimate interest savings from extra payments.
Use tool →Mortgage Payment Calculator
Estimate full monthly housing payment including taxes, insurance, HOA, PMI, and closing costs.
Use tool →Affordability Calculator
Estimate max home price using income, debt, DTI limits, and total housing cost assumptions.
Use tool →Refinance Calculator
Compare your current loan against refinance terms with break-even and long-term cost impact.
Use tool →Rent vs Buy Calculator
Compare long-term net worth outcomes using appreciation, rent growth, and investment return assumptions.
Use tool →Down Payment Calculator
Calculate how much to save for a home down payment and how long it will take.
Use tool →Auto Loan Calculator
Calculate monthly car payments with trade-in, down payment, and sales tax included.
Use tool →Net Proceeds Calculator
Estimate real estate seller proceeds after commissions, fees, taxes, and mortgage payoff.
Use tool →Property Tax Calculator
Estimate annual and monthly property tax based on home value, exemptions, and local rate.
Use tool →Closing Cost Estimator
Estimate buyer or seller closing costs with itemized fees, taxes, and cash-needed-at-closing totals.
Use tool →Rental Property ROI
Analyze rental property investments with cash flow, cap rate, cash-on-cash return, and NOI calculations.
Use tool →Business & Finance Tools Built for Speed and Privacy
SmarterSources brings together 39 free business and finance tools covering everything from pricing and profit margins to mortgages and retirement planning. Every tool runs entirely in your browser — no accounts, no installs, no data collection. Just open the page and get your answer.
Small Business
Running a business means making pricing and profitability decisions every day. Calculate profit margins, find your break-even point, set profitable prices with full cost accounting, generate professional invoices, estimate business loan payments, and understand the critical difference between markup and margin. Whether you're a freelancer setting hourly rates or a founder modeling growth scenarios, these tools give you clarity without spreadsheet complexity.
Personal Finance
From splitting a dinner bill to planning your retirement, the personal finance tools help you make confident money decisions. Build a monthly budget using the 50/30/20 rule, calculate loan payments with full amortization schedules, figure out how long it will take to pay off credit card debt, or see exactly how much you need to save each month to hit a financial goal.
Real Estate
Buying, selling, or refinancing a home involves dozens of variables. Estimate your full monthly mortgage payment including taxes and insurance, find out how much house you can afford based on your income and debts, compare renting vs. buying over time, calculate seller net proceeds after all fees, and determine whether refinancing actually saves you money after closing costs.
Frequently Asked Questions
Are these business tools really free?
Yes. Every tool is completely free with no limits, no sign-ups, and no watermarks. We're ad-supported so the tools stay free for everyone.
Is my financial data stored or shared?
No. All calculations happen locally in your browser using JavaScript. Nothing you enter is sent to a server, stored in a database, or shared with anyone. Your numbers stay on your device.
Are the calculations accurate?
Yes. Every calculator uses standard, well-documented financial and mathematical formulas. Results match what you would get from a spreadsheet or scientific calculator. For financial calculators, we use the same amortization and compound interest formulas used by banks and lenders.
Can I use these tools on my phone?
Yes. Every tool is fully responsive and works on phones, tablets, and desktops. The interfaces are designed for touch input so you can calculate on the go without downloading an app.
How is this different from the Calculator Tools page?
The Calculator Tools page includes all 32 calculators (including math, percentage, and date tools). This Business & Finance toolkit focuses specifically on the 27 tools most relevant to business owners, freelancers, and anyone managing money — organized into small business, personal finance, and real estate sections for easier browsing.