Free tools that run your small business by the numbers
BizToolDesk gives you accurate payroll, tax, margin, and loan calculators, professional templates you can download in one click, and straight-talking software reviews. No account. No paywall.
Free Business Calculators
Free online calculators for payroll, profit margin, markup, self-employment tax, loans, and more. Instant results, no signup.
Payroll Calculator
Free 2026 payroll calculator: federal withholding (Pub 15-T), Social Security, Medicare, all 50 states + DC, 401(k) and health deductions, plus employer cost.
Open toolProfit Margin Calculator
Calculate profit margin, gross profit, and markup instantly. Or work backwards to find the selling price or maximum cost for a target margin.
Open toolMarkup Calculator
Calculate selling price from cost and markup, find your markup percentage from cost and price, or work back to a maximum cost. Includes a markup-to-margin table.
Open toolSelf-Employment Tax Calculator (2026)
Estimate 2026 self-employment tax (Social Security and Medicare), the half-SE deduction, federal income tax, and your quarterly estimated payment from Schedule C net profit.
Open toolHourly to Salary Calculator
Convert an hourly rate to an annual salary or a salary back to hourly. See weekly, biweekly, semimonthly, and monthly pay, with overtime and unpaid weeks.
Open toolBusiness Loan Calculator
Calculate your monthly business loan payment, total interest, effective APR with origination fees, and payoff date. Full amortization schedule with extra payments and weekly repayment.
Open toolSBA Loan Calculator
Estimate SBA 7(a), 504, Express, and Microloan payments with current maximum rates (Prime 7.00%), the FY2026 guarantee fee, total interest, and effective APR.
Open toolFree Business Templates
Download free invoice, receipt, estimate, purchase order, balance sheet, timesheet, and expense tracker templates as Word, Excel, or PDF.
Free Invoice Template
Fill in a professional invoice online and download it as Word or PDF, or print it. Free, no signup. Includes payment terms, tax, discounts and a live preview.
Open toolReceipt Template
Create a professional payment receipt online and download it as Word or PDF, or print it. Free template for cash, deposit, rent and sales receipts.
Open toolEstimate Template
Build a professional job estimate online and download it as Word or PDF, or print it. Free template with line items, tax, validity date and terms.
Open toolQuote Template
Create a professional price quote online and download it as Word or PDF, or print it. Free quotation template with validity date, terms, tax and a live preview.
Open toolPurchase Order Template
Create a purchase order online and download it as Word or PDF, or print it. Free PO template with vendor, ship-to, delivery date, line items, tax and terms.
Open toolBalance Sheet Template
Free balance sheet template for small businesses. Edit it online, check that assets equal liabilities plus equity, and download to Excel with live formulas.
Open toolTimesheet Template
Free weekly and biweekly timesheet template. Enter clock-in, clock-out, and breaks to get total hours, overtime, and gross pay, then download to Excel or CSV.
Open toolProfit and Loss Template
Free profit and loss template for small businesses. Monthly or annual columns, gross and net margins computed live, and an Excel download with working formulas.
Open toolExpense Tracker Template
Free business expense tracker with IRS Schedule C categories, receipt tracking, monthly budgets, and category totals. Download to Excel with SUMIF formulas or CSV.
Open toolSoftware reviews and comparisons
Independent, hands-on guides to accounting, invoicing, and payroll software for small businesses.
Best Accounting Software for Small Business in 2026
QuickBooks Online, Xero, FreshBooks, Wave, Zoho Books and Sage 50 compared on 2026 pricing, limits and fit, with a decision guide by business type.
Best Free Invoicing Software in 2026
Wave, Zoho Invoice, Invoice Ninja, PayPal, Square and more: what each free tier includes, the catch, card fees compared, and when a paid plan is cheaper.