business
business tools
14 free tools. No sign-up, no server, works offline.
Currency ConverterConvert between 160+ world currencies using daily reference rates. Rates are cached so it keeps working offline.Profit Margin & Markup CalculatorWork out margin, markup, cost or selling price from any two of them. Margin and markup are not the same thing.Break-Even Analysis CalculatorFind the sales volume and revenue where a product or business stops losing money.ROI & Payback Period CalculatorCalculate return on investment, annualised return and how long an investment takes to pay for itself.NPV & IRR Calculator (Discounted Cash Flow)Value a project with net present value, internal rate of return and discounted payback.CAGR Calculator (Compound Annual Growth Rate)Calculate the smoothed annual growth rate between two values, and project it forward.Depreciation Calculator with ScheduleStraight-line, reducing balance, sum-of-years and units of production, with a full year-by-year schedule.Loan Amortisation ScheduleFull payment-by-payment breakdown of principal, interest and remaining balance, with optional overpayments.Financial Ratio CalculatorLiquidity, profitability, efficiency and leverage ratios from balance sheet and P&L figures.UK Take-Home Pay CalculatorEstimate income tax, National Insurance and net pay from a gross salary. England, Wales and Northern Ireland.True Cost of an Employee CalculatorWork out what an employee really costs after employer NI, pension, holiday and overheads.Discount & Sale Price CalculatorApply single or stacked discounts, work backwards from a sale price, and see the margin impact.Sales Commission CalculatorFlat, tiered and threshold-based commission, with on-target earnings and effective rate.Invoice Due Date & Settlement Discount CalculatorWork out payment due dates, late payment interest, and whether an early settlement discount is worth taking.