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Free small business tools & calculators
Create invoices, calculate quotes, estimate taxes, and check profit margins with simple tools made for small business owners.
Pick a tool, get to work
Everything free, nothing to install
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Invoice Generator
Create a professional invoice with line items, taxes, and totals, then download it as a PDF.
Create an invoice → -
Price Quote Calculator
Estimate a project price from your base rate, quantity, add-ons, and rush fees.
Build a quote → -
Sales Tax / VAT Calculator
Work out tax, discounts, and shipping from any subtotal with a clear breakdown.
Calculate tax → -
Profit Margin Calculator
Check profit, margin, and markup, or find the right selling price for a target margin.
Check your margin → -
QR Code Generator
Turn any link or text into a scannable QR code and download it as a PNG.
Make a QR code →
How the tools fit together
Small business money problems tend to happen in the same four places, and they happen in order. You price a job. You send a quote. You do the work and invoice it. Then, if you remember, you check what you actually made on it.
Each of those steps contains a number that's easy to get slightly wrong, and a mistake at the first one follows you all the way to the last. Price a job on optimistic hours and no amount of careful invoicing recovers it.
The tools here follow that sequence. The price quote calculator turns your rate into a quote with add-ons, discounts, and tax. The invoice generator turns an accepted quote into a PDF you can send. The sales tax and VAT calculator handles the tax arithmetic in either direction, including pulling tax back out of a tax-inclusive price, which is the part people get wrong. The profit margin calculator tells you afterwards whether the price was right, and what you'd have needed to charge to hit the margin you wanted.
The QR code generator is the odd one out. It's here because small businesses keep needing a code for a menu, a flyer, or a business card, and most free generators online want an account first, or point your code through a redirect that stops working when you stop paying.
Everything runs in your browser. Nothing you type is uploaded or stored, which is deliberate rather than a limitation. These tools handle client names, rates, and money, and none of that needs to leave your machine to have arithmetic done to it.
Not sure where to start?
Four common situations, and the shortest path through each.
You've just gone freelance. Work out a rate you can defend before you quote anything. How to price freelance work takes you from a target income to an hourly floor, including the two adjustments most people miss. Then read margin vs markup, because adding 30% to your costs does not give you a 30% margin.
You're chasing payments. The problem is usually the invoice, not the client. Payment terms covers which to offer and how to make a due date mean something, and the invoice checklist catches the omissions that stall payment without anyone telling you.
You sell products. Margin vs markup and sales tax on discounts and shipping between them cover most of the arithmetic that goes wrong between the shelf and the till.
You're printing something with a QR code on it. Read QR codes for menus and flyers before the print run, not after. The sizing rule in it decides whether anyone can scan the thing.
Guides
Invoicing and getting paid
- How to Create a Professional Invoice Every field that belongs on an invoice, numbering, credit notes, deposits, and invoicing across borders. Read the guide →
- What Payment Terms Should You Put on an Invoice? Net 7 through Net 90, late fees, deposits, and what to do when an invoice still isn't paid. Read the guide →
- Small Business Invoice Checklist A two-minute check before you send, extra checks for new clients, and a monthly review. Read the guide →
Quoting and pricing
- Quote vs Estimate vs Invoice Three documents, three different promises, plus the proformas and purchase orders you'll meet. Read the guide →
- How to Write a Professional Price Quote Scope that protects you, tiered options, and what to say when they call it too expensive. Read the guide →
- How to Price Freelance and Contract Work Your real hourly floor, why it's before tax, retainers, rush fees, and raising rates. Read the guide →
- Margin vs Markup: The Difference Explained The formulas, what a discount really costs, blended margins, and what counts as normal. Read the guide →
- Common Pricing Mistakes That Reduce Profit Ten small leaks that don't show up as a bad month, and a half-hour exercise to find yours. Read the guide →
Sales tax and VAT
- Sales Tax vs VAT for Small Businesses How the two systems differ, digital sales, the reverse charge, and when to register early. Read the guide →
- How to Calculate Sales Tax on Discounts and Shipping Order of operations, refunds, mixed-rate bundles, gift cards, and rounding. Read the guide →
QR codes
Why this exists
There is no shortage of free invoice generators. Most of them want an email address before they'll give you a PDF, and the calculation you came for sits behind a tour of a product you didn't ask about. This site is the version without that.
Free, and funded by ads
No paid tier, no trial, nothing held back. The ads on the page are how it pays for itself, which seemed more honest than a free plan designed to become annoying.
Nothing to sign up for
There is no account system at all. Open a tool, type your numbers, take the result. Nobody asks who you are.
Your numbers never leave the browser
Every calculation happens on your device. Client names, rates, and totals are never sent anywhere, because there's no server that would receive them.
Written in plain language
The fields say what they mean, and the guides explain the arithmetic rather than assuming you already know it. No accounting background needed.
Fast on a phone
The whole site is static HTML with no framework loading in front of it, which matters when you're checking a margin on site rather than at a desk.
Frequently asked questions
Are these tools really free?
Yes. There is no paid tier, no trial that expires, and no feature held back behind a sign-up. The site is funded by advertising, which is why you'll see ad units on the pages. That's the whole business model.
Do I need an account?
No, and there isn't one to create. Open a tool and start typing. Nothing asks for an email address, and there's no login anywhere on the site.
Where do my numbers go?
Nowhere. Every calculation runs in your browser using JavaScript on the page. Client names, rates, and totals are never transmitted to a server, because there's no server-side component to receive them. Closing the tab discards everything.
The one thing kept locally is a short list of which tools you opened last, stored in your browser so the homepage can offer them again. It never leaves your device and holds no figures from your work.
Can I use the invoices and quotes with real clients?
Yes. The invoice generator produces a PDF with the fields a business invoice needs: a unique number, both dates, line items, a tax breakdown, and payment details.
Check the requirements that apply where you are, particularly if you're registered for sales tax or VAT, since those rules vary by country. The invoice checklist covers what to look for before you send.
Are the results tax or financial advice?
No. The calculators do arithmetic on the numbers you enter. They don't know your jurisdiction, your registration status, or your circumstances.
Tax rates and thresholds change and vary by location, so treat every result as a working figure and confirm anything that matters with a qualified professional in your area.
Do the tools work on a phone?
Yes. Every tool is built to work on a phone screen, which matters most for the QR code generator and the margin calculator, both of which tend to get used away from a desk.
Who's behind this
Small Biz Tool Hub is built and run by Adrian Simpson, who has spent more than twenty years in IT and web development, much of it running small businesses and working with people running theirs. The tools and the guides come from the same place: watching the same handful of numbers go wrong for the same reasons, over and over.
If you find a calculation that looks off, or a guide that's out of date, saying so is genuinely useful. There's a contact form, and corrections get made.