Business & Finance Calculators

Category · 34 tools

Business & Finance Calculators

Free business and finance calculators for pricing, profit, tax, pay and savings: profit margin, markup, break-even, VAT, sales tax, discounts, commission, hourly rates, invoices, loans, payroll and compound interest.

For freelancers & small businessesInstant resultsNo signup

Good business decisions start with the right numbers. Should you charge more? How many units do you need to sell to cover your costs? What is your real hourly rate as a freelancer? Our business calculators answer these questions in seconds, so shop owners, freelancers, sales teams, accountants and students can check their figures without building a spreadsheet.

The finance calculators in this category cover the full cycle: setting prices, adding tax, invoicing customers, tracking cash flow, paying staff and growing your savings. Each tool shows the formula it uses, so you can understand the result as well as use it.

Pricing and profit calculators

Margin and markup are often confused, but they are not the same. A 50% markup on cost gives a 33.3% profit margin on the selling price. These calculators keep the difference clear.

Profit Margin Calculator

Calculate gross margin, profit and selling price from cost and revenue, or find the price for a target margin.

Markup Calculator

Work out markup percentage and selling price from cost, and convert between markup and margin.

Break-even Calculator

Find the break-even point in units and revenue from fixed costs, variable cost per unit and price.

Discount Calculator

See the sale price and amount saved for any percentage discount, including stacked discounts.

Tax calculators

VAT Calculator

Add VAT to a net price or remove VAT from a gross price at any VAT rate you enter.

Sales Tax Calculator

Calculate sales tax and the total price, or work backwards from a tax-inclusive price.

Tax rates differ by country and region. Our tax and payroll tools let you enter the rate that applies to you, and country-specific versions will follow. Always check current rates with your tax authority or accountant.

Invoices and documents

Invoice Generator

Create a professional invoice with your logo, line items, tax and payment terms, and download it as a PDF.

Receipt Generator

Make clean receipts for cash or card payments to give to customers or keep for your records.

Pay, rate and payroll calculators

Hourly Rate Calculator

Work out the hourly rate you need to charge to reach a target income after costs and time off.

Commission Calculator

Calculate sales commission at a flat rate or in tiers, plus total earnings with base pay.

Overtime Calculator

Calculate overtime pay at time-and-a-half, double time or any custom multiplier.

Payroll Calculator

Estimate gross pay, deductions and take-home pay for employees using the rates you enter.

Loans, cash flow and savings calculators

Cash Flow Calculator

Track money in and out over time to forecast your closing cash balance month by month.

Savings Goal Calculator

Find how much to save each month to reach a goal by a target date, with or without interest.

Key business formulas explained

  1. Profit margin = (Selling price − Cost) ÷ Selling price × 100. It tells you how much of each sale you keep as profit.
  2. Markup = (Selling price − Cost) ÷ Cost × 100. It tells you how much you added on top of your cost.
  3. Break-even units = Fixed costs ÷ (Price per unit − Variable cost per unit).
  4. Compound interest: Future value = P × (1 + r/n)n×t, where P is the starting amount, r the annual rate, n the compounding periods per year and t the number of years.

Who are these calculators for?

Retailers use the markup calculator and discount calculator to set shelf prices and plan sales. Freelancers use the freelance rate calculator and invoice generator to price and bill their work. Small business owners rely on the break-even calculator and cash flow calculator to plan ahead. Contractors can combine these with our construction cost estimator to quote jobs accurately.

Results are for planning and education. They are not financial, tax or legal advice, so confirm important decisions with a qualified professional.

Seller fees, ads, loans and tax

CPM Calculator

Work out cost per thousand impressions, clicks and ad budgets.

Frequently asked questions

What is the difference between margin and markup?

Markup is profit as a percentage of cost; margin is profit as a percentage of the selling price. An item that costs 100 and sells for 150 has a 50% markup but a 33.3% margin.

How do I calculate a break-even point?

Divide your total fixed costs by the contribution per unit (selling price minus variable cost per unit). The result is the number of units you need to sell to cover all costs.

How do I remove VAT from a price?

Divide the gross price by 1 plus the VAT rate. For example, at 20% VAT, 120 ÷ 1.2 = 100 net, so the VAT is 20.

Do the tax and payroll calculators work in my country?

You can enter your own tax rate, so the core calculations work anywhere. Because tax and payroll rules differ between countries and change regularly, always check the latest rates with your local tax authority.

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