Money math for people who work for themselves
Free calculators for freelancers, online sellers and side hustlers. Each one shows its formula and a worked example, so you can check the math yourself.
20 calculators so far, with more added every week.
Freelance
- Freelance Hourly Rate CalculatorFind the hourly rate you need to hit your take-home income goal.
- Freelance Project Quote CalculatorTurn your hourly rate and an hours estimate into a fixed project price, with a buffer and deposit.
- Freelance vs Salary CalculatorCompare a salaried job offer with freelancing on a fair, like-for-like basis.
- Billable Utilization Rate CalculatorSee what share of your working hours you actually bill, and what unbilled time costs you.
- Invoice Late Fee CalculatorWork out a late fee or interest charge on an overdue invoice.
- Retainer Pricing CalculatorPrice a monthly retainer from your hourly rate, hours and commitment discount.
Business Math
- Profit Margin & Markup CalculatorTurn cost and price into margin and markup, or price a product for a target margin.
- Side Hustle Income Goal CalculatorSee how many sales per day you need to reach a monthly income goal.
- Break-Even CalculatorFind how many units you must sell each month to cover your costs.
- ROI CalculatorMeasure the return on an investment, including the annualized ROI.
- Discount Impact CalculatorSee how many more sales a discount needs just to earn the same profit.
- Price Increase CalculatorFind how many sales you could lose after a price rise and still earn the same.
- MRR & Churn CalculatorSee where a subscription business is heading from its customers, price and churn.
Ads & Creator Income
- ROAS & ACoS CalculatorCheck whether your ads make money, and find the break-even ACoS for your margin.
- CPM & RPM Ad Revenue CalculatorEstimate ad revenue from pageviews, or the traffic you need for an income goal.
- YouTube Earnings CalculatorEstimate YouTube ad income from your views and RPM, per month and per video.
- Blog Income CalculatorCombine display ads and affiliate sales to estimate what a blog can earn.
Money Management
- Currency Conversion Fee CalculatorFind the hidden markup in an exchange rate and the true cost of a transfer.
- Freelancer Emergency Fund CalculatorWork out how big a safety fund you need and how long it will take to build.
- Profit First Allocation CalculatorSplit each month's income into profit, owner's pay, tax and operating costs.