Free · No sign-up required

8 free tools for small business owners

Calculators built for real business decisions — no jargon, no spreadsheet required. Use them here or embed them free on your website.

✓ No account needed ✓ Free to embed on your site ✓ Always up to date

Pick a tool to get started

Click any card to open the calculator. Results update instantly as you type.

Pricing

Pricing & inflation calculator

Are your prices keeping up? See what inflation and your costs say you should charge.

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Profitability

Breakeven calculator

How many sales a month keep the lights on — and where profit actually starts.

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People

New hire calculator

The true cost of a full-time, part-time, or contract hire — and how fast they pay back.

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Get paid

Free invoice generator

Create a clean, professional invoice in two minutes. Download and send — free.

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Get paid

Early-payment discount

Is "2/10 net 30" a smart trade or expensive financing? Get the honest math.

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Cash flow

Cost of late payments

What slow-paying customers really cost you in financing, time, and write-offs.

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Cash flow

Cash runway calculator

How many months your cash lasts at today's pace — and your projected zero date.

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Inventory

Cash conversion cycle

How long a dollar stays stuck between buying inventory and getting paid.

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Embed these tools free on your website.

If your organization serves small businesses, these calculators are yours to offer. One snippet per tool — no developer needed, no cost, always up to date.

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Banks & Credit Unions

Add to your business resources page. CRA-qualifying community benefit.

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CDFIs & Lenders

Help borrowers understand their numbers before they apply.

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Government & EDCs

Drop into your small business portal. No procurement needed.

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Corporate Philanthropy

Demonstrate community value with tools your partners actually use.

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Nonprofits & Foundations

Practical tools for program participants — free and unbranded.

Talk to Finli about a full program →