Free business tools

Create a clean, professional invoice in your browser — free, no sign-up.

Build a professional quote or estimate in your browser — free, no sign-up.

Work out PAYE, pension and take-home pay under the Nigeria Tax Act 2025.

Estimate federal income tax withholding per paycheck from a 2026 Form W-4.

Create a clean, professional invoice in your browser — free, no sign-up.

Build a professional quote or estimate in your browser — free, no sign-up.

Write a polite, effective overdue-invoice reminder in seconds — free, no sign-up.

Work out the interest owed on an overdue invoice, plus any flat fee.

Work out the hourly rate you need to hit your target income — after overheads and non-billable time.

Price a project from your hours, rate and expenses — with the margin you want on top.

See what a project actually left you after every cost — and the margin it made.

Work out your profit margin from revenue and cost — and what price a target margin needs.

Work out your markup from cost and price — and the price a target markup needs.

Convert between margin and markup — the two numbers people mix up most.

See what an employee really costs you — salary plus every employer contribution.

Work out what to put aside each quarter — and each payday — for a tax bill you expect.

Estimate federal income tax withholding per paycheck from a 2026 Form W-4.

Work out PAYE, pension and take-home pay under the Nigeria Tax Act 2025.

Employee 8% and employer 10% contributions under the Pension Reform Act 2014.

Score how well your invoicing and collections actually run — in about a minute.

Score how your business runs across customers, quoting, invoicing, projects and follow-up.