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Free Business Tools

Financial Calculators Built for How You Actually Work

23 free tools for freelancers, contractors, and small business owners. No signup, no spreadsheets — just fast answers.

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Consultants & Coaches
Consultants & Coaches
Retainer vs Hourly Calculator
Compare total earnings and effective rate between retainer and hourly engagements — and find the crossover point.
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Consultants & Coaches
Package Profitability Calculator
See your true effective hourly rate on any package offer — before you hit publish on your pricing page.
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Consultants & Coaches
Coaching Capacity Calculator
Find out exactly how many clients you can take on and what you’ll earn at full capacity.
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Consultants & Coaches
No-Show Cost Calculator
Calculate exactly what no-shows and ghosted discovery calls are costing your consulting revenue each year.
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Real Estate Agents
Real Estate
Seller Net Proceeds Calculator
Show clients exactly what they’ll walk away with after commission, closing costs, and mortgage payoff.
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Real Estate
GCI Goal Calculator
Work backward from your income goal to find exactly how many closings you need this year.
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Real Estate
Brokerage Split Comparator
Compare two brokerage split structures side-by-side and see which puts more money in your pocket.
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Real Estate
Closing Cost Estimator
Estimate buyer or seller closing costs so clients are never blindsided at the settlement table.
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Contractors & Trades
Contractors & Trades
Job Bid Calculator
Build a complete job bid with materials, labor, overhead, and target margin — so you never leave money on the table.
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Contractors & Trades
Change Order Calculator
Price change orders with markup and generate a copyable document to send to the client before starting extra work.
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Contractors & Trades
Labor Burden Rate Calculator
Calculate your true burdened labor cost including payroll taxes, workers’ comp, and benefits per hour.
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Contractors & Trades
Deposit & Progress Payment Calculator
Structure your payment milestones so your cash flow stays positive from day one to final payment.
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Personal Services
Personal Services
Booth Rent vs Commission Calculator
Find the exact revenue level where booth rent beats commission — and when to make the switch.
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Personal Services
Service Price Calculator
Set the right price for every service based on your actual costs, capacity, and target income.
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Personal Services
No-Show Cost Calculator
See how much last-minute cancellations and no-shows actually cost your salon or service business each year.
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Personal Services
Tip Income Tax Calculator
Estimate federal and self-employment taxes on your tip income — W-2 or 1099 — so tax season never surprises you.
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Solo Licensed Professionals
Licensed Professionals
Billable Hour Utilization Calculator
Calculate your real utilization rate and see exactly how much revenue you’re leaving on the table each year.
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Licensed Professionals
Sliding Scale Fee Calculator
Design a financially sustainable sliding scale fee structure for therapy, coaching, or professional practice.
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Licensed Professionals
Practice Overhead Calculator
Calculate your total overhead burden and the minimum rate you must charge to break even and pay yourself.
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Restaurants & Food
Restaurants & Food
Recipe Plate Cost Calculator
Calculate exact food cost per plate and the menu price you need to hit your target food cost percentage.
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Restaurants & Food
Restaurant Labor Cost Calculator
Calculate your total labor cost percentage and see if your staffing levels are profitable for each shift or week.
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Restaurants & Food
Catering Quote Calculator
Build a complete catering quote with food, labor, rental, and profit margin — then copy it to send to the client.
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Restaurants & Food
Food Truck Expense Calculator
Calculate your full daily cost and the revenue you need to break even and hit your profit goal every day.
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Stop Guessing. Start Knowing.

Tabby connects to your bank and automatically categorizes expenses, tracks income, and gives you real-time P&L — so these calculators become a live dashboard, not a one-time check.

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Frequently Asked Questions

Are these calculators really free?

Yes — all 23 calculators are completely free, with no signup, no email required, and no usage limits. They’re built by Tabby, an AI bookkeeping app for self-employed professionals, as a free resource for the communities it serves.

Who are these tools built for?

Self-employed professionals across six fields: consultants and coaches, real estate agents, contractors and home-service trades, personal-service providers like stylists and barbers, solo licensed professionals such as therapists and attorneys, and restaurant and food-truck operators.

How accurate are the results?

Each calculator uses standard industry formulas — margin-on-price bidding, fully burdened labor rates, net-proceeds math, and current tax rules. Results are estimates for planning purposes, not tax, legal, or financial advice; confirm significant decisions with a CPA or advisor.

Is my data saved or shared?

No. Every calculator runs entirely in your browser — the numbers you enter are never sent to a server, stored, or shared. Refreshing the page clears everything.

What is Tabby?

Tabby is an AI bookkeeping app for freelancers, contractors, and small business owners. It automatically categorizes expenses, finds hidden tax write-offs, and produces tax-ready reports — free for 14 days on iOS and Android.