Freelance + small-business math, done right.

Free calculators for solo consultants, freelancers, and small-business owners — profit margin, markup, break-even, freelance rate, EBITDA, LTV/CAC, project quotes. All 100%% client-side.

Client-side mathNo signupNot accounting advice

Pricing + margin

Profit Margin Calculator

Gross margin, net margin, and markup from revenue and cost inputs.

Markup Calculator

Convert between cost, markup %, and selling price. Handles reverse calculation too.

Sales Tax Calculator

Add sales tax to a pre-tax amount, or extract the tax from a total that already includes it.

More business calculators from our registry

Freelance Hourly Rate

Target annual income + expenses → hourly rate you must charge to hit it.

Break-Even Analysis

Fixed costs / (price − variable cost) → units to break even.

Project Quote

Hours × rate + materials + margin → project proposal price.

EBITDA

Earnings before interest/taxes/depreciation — standard valuation metric.

Customer Acquisition Cost

Marketing spend / new customers → CAC per acquisition.

LTV / CAC Ratio

Customer lifetime value ÷ acquisition cost. Healthy SaaS = 3+.

MRR Growth Rate

Monthly recurring revenue growth month-over-month.

Contribution Margin

Revenue per unit − variable cost per unit. Determines break-even.

Working Capital

Current assets − current liabilities. Cash-cushion measurement.

Side Hustle Break-Even

How long a side-project takes to cover its startup cost.

Days Sales Outstanding

Average days to collect after invoicing — cash-flow health metric.

Salary Negotiation

Model total comp with equity, bonus, benefits, PTO to compare offers.

Pricing + quoting

The most common mistake solo consultants make is confusing markup with margin. Use Markup Calculator when you're setting a price from cost + a target markup; use Profit Margin when you're validating whether the price you set actually delivers the profit you need. When quoting a project, Project Quote gives you a defensible estimate combining hours, materials, and target margin; Freelance Rate works backward from target income to the minimum hourly rate you can afford to charge given your operating expenses.

Break-even + unit economics

Break-Even Analysis tells you how many units you need to sell to cover fixed costs — critical for pricing a physical product. Contribution Margin (revenue per unit − variable cost per unit) is the number that drives break-even. For a SaaS business, LTV/CAC is the ratio investors look at — healthy is 3× or higher; below 1× you lose money on every customer. MRR Growth compounds — 10% MoM = 3.1× per year.

Financial reporting + cash flow

EBITDA is the standard valuation input for small-business sales — most SMB brokers price at 3-5× EBITDA. Working Capital and Days Sales Outstanding tell you whether your business is choking on unpaid invoices — long DSO + low working capital is how profitable businesses run out of cash. Sales Tax handles the routine annoyance of adding or extracting sales tax when reconciling multi-state receipts.

Also see our document templates

Once the numbers work, the paperwork needs to too. Our document templates library has NDAs, freelance contracts, invoice templates, employment offer letters, service agreements, and consulting contracts — all downloadable, no signup. Pair them with the calculators here for end-to-end small-business ops.

Not accounting or legal advice

These are standard finance formulas — profit margin, break-even, LTV/CAC, EBITDA. They do not substitute for a CPA, bookkeeper, or attorney. For entity structure decisions, tax filing, or contract review, consult a professional. Use these tools for quick sanity checks and pricing decisions, not as your books of record.