Make smarter financial decisions with tools built for startups, consultants, and independent professionals.
A gentle weekly check-in: tick what supported you last week and what you plan for this one. Two smiley scales, no scores, nothing saved.
Open calculator →A calm, good-looking calculator with a paper tape and four themes. Install it as an app and it works offline.
Open calculator →Calculate the minimum hourly, daily, and project rate you need to charge based on your income goals, expenses, and working schedule.
Open calculator →Convert annual salary to hourly rate or hourly rate to annual salary. Accounts for work hours, paid time off, and holidays.
Open calculator →Compare contractor (1099) vs employee (W2) take-home pay. Find out which option actually puts more money in your pocket after taxes and benefits.
Open calculator →Find out how much to charge your client so you receive your desired amount after Stripe, PayPal, or Square processing fees.
Open calculator →Add or remove VAT/GST from any price. Supports UK, EU, Australia, Canada, and 10+ countries. Essential for international invoicing.
Open calculator →Create professional invoices in seconds. Add line items, tax, and download as PDF. Your data is saved automatically.
Open calculator →Calculate US self-employment tax (15.3%), estimated quarterly payments, and how much to set aside from every freelance payment.
Open calculator →US expats: calculate your Foreign Earned Income Exclusion for 2026. Supports Bona Fide Residence and Physical Presence tests.
Open calculator →AI negotiation assistant. Get structured arguments for your rate negotiation or equity/SAFE discussion — in 2-3 minutes.
Open calculator →Calculate return on investment, annualized ROI, and payback period for any business investment, marketing campaign, or project.
Open calculator →Calculate gross and net profit margin, markup percentage, and find your ideal selling price from cost and desired margin.
Open calculator →Determine how many units you need to sell (or revenue you need to generate) to cover your fixed and variable costs and start turning a profit.
Open calculator →Calculate monthly payments, total interest, and true APR for any business loan. Includes full amortization schedule.
Open calculator →Build your Profit & Loss statement online. Auto-calculates gross profit, EBITDA, and net profit. Export as PDF.
Open calculator →Plan your monthly budget, forecast cash flow for 12 months, and calculate runway. Build financial projections with revenue, costs, and scenarios.
Open calculator →Estimate your monthly AI API bill from tokens and chat history. See how prompt caching, shorter answers and model routing change the cost.
Open calculator →Pick ingredients for your future: growth over 20 years, time to your first million, and what a small habit can give. Mix them into a recipe.
Open calculator →Model your SAFE note conversion, ownership percentage, and dilution. Supports valuation cap, discount rate, and MFN provisions.
Open calculator →Find out how long your startup can survive on current cash. Calculate gross and net burn rate, runway in months, and zero-cash date.
Open calculator →Calculate your Customer Lifetime Value and Customer Acquisition Cost. Find out if your unit economics are healthy and how to improve them.
Open calculator →Test your mental math and business-sense in a fast 60-second quiz. No calculator allowed — keep your brain sharp.
Open calculator →See a calculator through simplified low-vision and colour-blindness views, and try helpful settings for dyslexia, dyscalculia and dysgraphia.
Open calculator →Tell us what tool you wish existed — we read every suggestion and build the good ones.