This page is built for resellers, ecommerce operators, solo founders, and small business owners who need clearer unit economics. Compare fees, margins, fulfillment choices, runway, and profit drivers with tools that make every assumption easy to audit.
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If you want the fastest path instead of scanning the full grid, begin with the most useful and best-finished calculators in this category.
See your full profit waterfall — gross, operating, and net margin — with a freelance/small-business rating and sensitivity analysis. Know if you're struggling, viable, healthy, or strong before your next client negotiation.
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Quantify the hidden cost of scope creep on your freelance projects. See your original vs actual effective rate, revenue lost to unscoped hours, revision cost, and what to quote next time.
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Choose the right pricing model for your next project. Compare fixed price, hourly, retainer, value-based, and milestone billing — with risk-adjusted quotes, revision buffers, and a model recommendation based on your project details.
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Why use these tools
The freelance rate, true hourly rate, and rate sanity-check tools work backward from the income you actually need to take home — covering tax, benefits, unbilled hours, and overhead — so the number you quote isn't a wishful one.
Amazon FBA, eBay, Etsy, Shopify, and dropshipping calculators bake in the platform's actual fee schedule (referral, FBA, payment processing, ad spend) instead of treating revenue as profit.
Invoice generator, late-fee, payment-terms, and cash-flow tools translate Net 30 vs Net 15 vs deposits into real days-of-runway, so you can choose terms that fit your float — not just industry defaults.
Calculate monthly payments, total interest, and whether you can actually afford a business loan. Shows DSCR (Debt Service Coverage Ratio) with lender thresholds, maximum affordable payment, and a 12-month amortization table.
Σ Shows workChoose the right pricing model for your next project. Compare fixed price, hourly, retainer, value-based, and milestone billing — with risk-adjusted quotes, revision buffers, and a model recommendation based on your project details.
Σ Shows workCalculate your Net Promoter Score from client survey results. See your NPS vs the B2B services benchmark (41), simulate converting a detractor, get action recommendations, and learn how to run an NPS survey as a solo contractor.
Σ Shows workQuantify the hidden cost of scope creep on your freelance projects. See your original vs actual effective rate, revenue lost to unscoped hours, revision cost, and what to quote next time.
Σ Shows workScore your freelance pricing power 0-100 across 7 weighted dimensions. Get your market tier (Commodity → Elite), conservative and aggressive rate raise potential, and your top 3 priority actions.
Σ Shows workEvaluate any contract before responding. Compare gross vs net for W2, 1099, or Corp-to-Corp. See effective hourly rate after taxes, W2 equivalent salary, commute costs, and a Respond with Confidence verdict.
Σ Shows workWas that project actually worth it? Enter hours by type (calls, work, revisions, admin), project expenses, payment received vs outstanding, and opportunity cost. See your true effective hourly rate, profit margin, and a composite client score (0–100).
Σ Shows workBefore you buy equipment, hire a subcontractor, or rent an office — know your break-even point. Enter fixed costs, variable cost per unit/hour, and your price to get break-even units, revenue, contribution margin, and profit at your current revenue level.
Σ Shows workSee your full profit waterfall — gross, operating, and net margin — with a freelance/small-business rating and sensitivity analysis. Know if you're struggling, viable, healthy, or strong before your next client negotiation.
Σ Shows workCalculate your Net Promoter Score from survey responses and benchmark against your industry.
Σ Shows workHow much is a single client really worth? Enter monthly revenue, margin, retention, and acquisition cost — get gross LTV, net LTV after CAC, LTV:CAC ratio, payback period, and how retention changes every number.
Σ Shows workCreate professional invoices with your business info, client details, line items, and tax. Print or save as PDF instantly. Your sender info is saved locally — no account needed.
Σ Shows workCompare the true net present value cost of leasing vs buying business equipment. Accounts for the §179 first-year deduction, salvage value, opportunity cost of capital, and after-tax lease payments.
Σ Shows workSole Prop vs LLC vs S-Corp: the biggest financial decision a new contractor faces. See SE tax burden, formation cost, complexity, and exact savings side-by-side — with the break-even threshold for your situation.
Σ Shows workCalculate late fees on overdue invoices. Choose flat fee, daily %, or monthly % with optional compounding. See days overdue, fees accrued, daily accrual rate, total owed, and 30/60/90-day projections. Includes 3 copy-paste contract language templates.
Σ Shows workEnter an invoice date and payment terms (Net 15/30/45/60) to get the exact due date, follow-up reminder date, and overdue status. Includes .ics calendar export with a 3-day reminder.
Σ Shows workWhat is net-60 actually costing you? Working capital tied up in AR, opportunity cost at your savings rate, invoice float count, and the annual value of switching to net-15 or net-30. Includes late-payer adjustment.
Σ Shows workIs a retainer worth the discount? Enter your rate, estimated hours, and discount offered — see your monthly retainer price, total contract value, effective hourly rate, and exactly how many months until the guaranteed income recoups the discount vs client churn.
Σ Shows workScore your clients on effective hourly rate, payment speed, revision overhead, and enjoyment. Get an A/B/C/D grade and a keep/negotiate/sunset recommendation. See how much revenue you're leaving on the table vs your target rate.
Σ Shows workScore your freelance income stability 0–100 based on client concentration (35 pts), contract type (25 pts), payment terms (15 pts), and emergency fund runway (25 pts). Get a rating badge (Unstable / Developing / Stable / Resilient), per-factor breakdown, improvement actions, and recommended emergency fund runway.
Σ Shows workCalculate the floor price for any freelance project. Enter estimated hours, complexity buffer, revision rounds, rush factor, and expenses to get a defensible minimum quote and value-based upper bound.
Σ Shows workQuantify the true cost of a bad client: scope creep hours, communication overhead, late payment fees, and opportunity cost. Get a data-driven fire-this-client verdict and break-even rate for future work.
Σ Shows workYour 1099-K isn't your taxable income. Enter eBay gross sales, COGS, platform fees, and expenses — get your actual taxable profit, SE tax estimate, and the difference between what eBay reported and what you actually owe tax on.
Σ Shows workCompare selling fees across eBay, Etsy, Poshmark, Depop, Facebook Marketplace, and Mercari. Enter sale price, shipping, and item cost — see net proceeds and profit on all 6 platforms side by side with the winner highlighted.
Σ Shows workScore Amazon FBA product opportunities across profitability, demand, and competition. Enter BSR, COGS, referral fee category, FBA size tier, and competing seller count — get net profit, ROI, monthly profit, and an overall Hot/Good/Maybe/Skip verdict.
Σ Shows workCompare selling the same item across eBay, Amazon, Etsy, Mercari, and Poshmark. See net profit after platform fees, item cost, and shipping for each marketplace side by side.
Σ Shows workCalculate true dropshipping net margin after supplier cost, shipping, payment processing, return rate, and optional ad spend. See break-even sale price and ROAS needed to be profitable before running paid traffic.
Σ Shows workTrack what you paid for inventory, what you sold it for, and on which platform. Per-item COGS, platform fees, profit, margin, and days-to-sell. Export as CSV for your tax spreadsheet or CPA. Built so tax season takes 30 minutes, not 7 hours.
Σ Shows workeBay, Etsy, Poshmark, and Amazon handle sales tax for you in most states. See which platforms are marketplace facilitators, your economic nexus exposure by state, and whether you need to register anywhere.
Σ Shows workCalculate your exact eBay Final Value Fees by category, Top Rated Seller discount (10%), promoted listings cost, and true net profit. See the full fee stack before you list.
Σ Shows workQuantify the real annual cost of Net 30, Net 15, or Net 60 payment terms vs getting paid upfront. See outstanding AR, opportunity cost, cash flow gap, and exactly how much you save by tightening terms.
Σ Shows workCalculate the true value and risk-adjusted value of a freelance contract before signing. Gross value, effective hourly rate with revisions, payment timing discount (net 60 = 15% off), kill fee protection, opportunity cost comparison, and a Strong / Acceptable / Risky / Walk Away verdict.
Σ Shows workValue your freelance prospect pipeline like a lightweight CRM. Enter up to 12 leads with project value, close probability, and duration — get weighted pipeline value, expected monthly revenue, pipeline health score (Thin / Adequate / Strong), gap to income target, and how many more prospects you need.
Σ Shows work18-item interactive checklist across 4 phases: Before Signing, At Project Start, During Project, At Delivery. Each item explains why it matters and which risk it prevents (scope creep, late payment, unpaid work, liability, IP disputes, miscommunication, missed deadlines). Progress bar, risk counter, localStorage persistence, and print support.
Σ Shows workAnalyze what fraction of your working time actually pays. Enter total hours, billable hours, rate, and income target to get: billable utilization rate (industry benchmark 60-70%), true effective hourly rate (income / all hours worked), annual hidden cost of non-billable overhead, and the rate increase needed to hit your income target given current utilization. Non-billable time breakdown visualization.
Σ Shows workShould you spend money on Google or Meta ads to get clients? Enter your budget, CPC, close rate, and project value to see your full funnel, LTV:CAC ratio, break-even, and a verdict on whether paid ads make sense for your freelance business.
Σ Shows workScore your business credit readiness with a 12-question checklist. Covers EIN, LLC formation, business bank account, DUNS number, vendor accounts, business credit card, and more. Shows your score, badge, gaps, and prioritized next steps.
Σ Shows workCalculate your true Amazon profit before listing. Enter product category, sale price, weight, dimensions, and COGS to get a full FBA or FBM fee breakdown — referral fee, fulfillment fee, storage fee — plus net profit per unit, monthly profit, annual profit, margin %, and breakeven price.
Σ Shows workCalculate your break-even churn rate: the exact percentage of clients that can leave after a price increase and you still make the same monthly revenue. Shows revenue impact, months to recoup, three increase scenarios (+7%, +15%, +25%), and timing recommendations.
Σ Shows workFull FBA P&L: referral fee, fulfillment fee, storage, PPC, returns — net margin, ROI, break-even price, and FBA vs FBM comparison.
Σ Shows workMonthly payment, total interest, true APR (fees included), amortization schedule, and ROI analysis — is this loan worth it?
Σ Shows workProject your freelance revenue month by month with growth rates, seasonality toggles, best/base/worst scenarios, and gap analysis to your annual goal.
Σ Shows workCalculate real profit margins for Printful and Printify products sold on Etsy or Shopify. Shows profit per unit, margin %, monthly profit, break-even price, and effective hourly rate. Includes full fee breakdown for all platform charges.
Σ Shows work15-question checklist to spot risky contract clauses before you sign. Checks kill fee, IP ownership, non-compete, payment schedule, liability cap, arbitration, work-for-hire, and more. Gives a Contract Health score with plain-English explanations and negotiation scripts for every red flag.
Σ Shows workTrack outstanding invoices with aging buckets (current, 1-30, 31-60, 61-90, 90+ days overdue). Late fee calculator at 1.5%/month default. Collection priority list ranks invoices by dollar amount × days overdue. Saves to browser, exports CSV.
Σ Shows workLanded cost, customs duty, Amazon fees, ROI, break-even, and MOQ payback for importing from Alibaba and selling on Amazon FBA.
Σ Shows worklocalStorage-backed P&L tracker for item flippers. Log purchases and sales, track ROI and annualized returns, monitor your 1099-K threshold, and export to CSV.
Σ Shows workFull P&L for Shopify merchants: COGS, subscription, transaction fees, apps, ads, shipping, and returns. Compare all 3 plans and find your break-even revenue.
Σ Shows workCompare Fulfillment by Amazon (FBA) vs self-shipping (FBM) for any product. See size tier, FBA fees, and annual profit difference to find the most profitable fulfillment method.
Σ Shows workTrack your reseller profit & loss each month. Calculate gross profit, net profit, margins, and expense ratios. Full P&L statement with expense breakdown visualization.
Σ Shows workCalculate how many units you need to sell to break even. See contribution margin, break-even point, and margin of safety at your expected sales volume.
Σ Shows workFind the exact ROAS, ACoS, CAC, and CPC your offer can support before ads stop working. Built for Amazon PPC, Shopify, and seller traffic decisions.
Σ Shows workTurn proposal workflow answers into a structured report with prioritized fixes, a recommended offer, and a clearer Proposal OS next step.
Σ Shows workFormula
audit report = readiness + package ladder + revenue lift + recommended offer
Score your current proposal flow, see where deals lose momentum, and get a recommended Proposal OS path: conversion upgrade, white-label system, or embedded layer.
Σ Shows workChoose the right follow-up cadence for a sent proposal, get a three-touch plan, and route into the right Proposal OS buildout path.
Σ Shows workRead proposal heat from real engagement signals, spot where visibility is weak, and see the next move before a deal goes cold.
Σ Shows workModel the revenue and admin-time upside of stronger proposal delivery, follow-up, and conversion before you buy the buildout.
Σ Shows workPlan the proposal send flow with the right page-vs-PDF mix, CTA order, reminder timing, and Proposal OS recommendation.
Σ Shows workPlan the proposal cover note, recommendation frame, proof blocks, and CTA transition before rewriting client-facing proposal copy.
Σ Shows workPlan the proposal walkthrough, section sequence, review mode, and key checkpoints before redesigning the client-facing proposal experience.
Σ Shows workOpen the bundled Proposal OS planning suite: readiness audit, packaging, narrative, comparison, storyboard, delivery, follow-up, engagement, and revenue-lift planning in one public entry point.
Σ Shows workSee the reusable proposal system behind interactive offers, client-facing proposal pages, send flows, analytics, follow-ups, and white-label installs.
Σ Shows workScore your current sensitive-data workflow, see the weakest security and process seams, and get the right PHI-Ready App Kit path: discovery, developer package, starter foundation, or implementation.
Σ Shows workExplore the HIPAA-ready building blocks pulled from regulated workflow work: field-level encryption, retention controls, safer positioning, and product packaging paths.
Σ Shows workWhat should I charge? Reverse-engineer your hourly rate from the take-home pay you actually want — adds SE tax, income tax, overhead, and gives you a min hourly, recommended hourly, day rate, and monthly retainer.
Σ Shows workHow much can you charge for a late invoice? Enter amount, days overdue, and rate — get the fee, total owed, daily accrual, and a paste-ready past-due email template (friendly / firm / final).
Σ Shows workAm I withholding enough? For mixed W2 + 1099 income. Enter YTD wages, withholding, and 1099 — see your projected tax bill, total withholding, the gap (red = under, green = over), and the per-quarter fix to avoid the §6654 penalty.
Σ Shows workCalculate the late fee on an overdue invoice and get a copy-paste past-due email you can send to the client. Shows simple vs compound interest, daily accrual rate, and adapts the email tone based on how overdue the invoice is.
Σ Shows workFAQ
Start with the take-home you need, gross it up for self-employment tax, add benefits you'd otherwise get from an employer, divide by realistic billable hours per year (usually 1,000–1,400, not 2,080), then add overhead. The Freelance Rate and True Hourly Rate calculators below run all of that in one screen and show every assumption.
On Amazon FBA, healthy contribution margin after fees, COGS, and shipping is usually 25–35%; on eBay 20–30%; print-on-demand 15–25%. Use the Amazon FBA Profitability, eBay Fees, and Shopify Profit Margin tools to see where each dollar actually goes — most sellers underestimate referral fees and ad ACoS by 5–10 points.
Estimate hours honestly (most freelancers undercount by 30%), apply your true hourly rate, add a buffer for revisions and scope creep, then compare against the Project Profitability and Scope Creep calculators on this page to stress-test the worst case before you send the proposal.
Yes. Every tool on this page is free with no signup. We don't gate exports, we don't email you weekly, and your inputs stay in your browser unless you explicitly save them to your account.