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FlexibleToolsAI
Finance Calculators · 100% Client-Side Private

Finance & Accounting Calculators

Practical calculators for freelancers, small business owners and bookkeepers — pricing, tax, break-even, depreciation and loan math, solved instantly without spreadsheets or sign-up.

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Late Payment Interest Calculator

Work out interest owed on an overdue invoice, plus a ready reminder message.

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Freelance Rate Calculator

Work out the hourly or day rate you need to charge to hit your income goal.

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Markup vs Margin Calculator

Stop confusing markup and margin — see both, side by side, from any two values.

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Quarterly Tax Calculator

Estimate US self-employment quarterly tax payments so you're never caught by surprise.

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Break-Even Calculator

Find out how many units you need to sell before you start turning a profit.

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Business vs Personal Expense Splitter

Split mixed expenses into deductible business and non-deductible personal amounts.

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Discount Calculator

Calculate a discounted price, or work out what discount % was applied.

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Depreciation Calculator

Straight-line and declining-balance depreciation schedules for any asset.

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Sales Tax / VAT Calculator

Add tax to a price, or remove tax from a tax-inclusive total.

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Loan / EMI Calculator

Calculate your monthly loan payment and full amortization schedule.

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Tax Set-Aside Calculator

Log each payment and instantly see how much to move to savings for taxes.

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Cash Flow Runway Calculator

Find out how many months your business can survive at its current burn rate.

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