Small Business Tools
The financial and administrative math that shows up in the first year.
A new business runs on a spreadsheet of decisions: how much loan can you carry, what's a fair price, how much tax do you charge, how do you package the invoices you're getting emailed from vendors, what does the ROI on that piece of equipment actually look like.
None of these tools replace an accountant or a lawyer. They give you fast, honest answers so you can walk into those conversations informed.
Our pick
For loan and financing math, use our Loan Calculator.
Shows extra-payment savings without a signup or a broker lead form — the kind of clean number that's hard to get elsewhere.
Open Loan CalculatorFinancing the idea
What can you actually afford to borrow and pay back.
- Loan CalculatorCalculate monthly loan payments and total interest for any amount, rate, and term. See how much you save by adding extra payments.
- Mortgage CalculatorCalculate your monthly mortgage payment, total interest, and a year-by-year amortization schedule. All math runs in your browser.
- APR ↔ APY ConverterConvert between APR (nominal rate) and APY (effective yield) for any compounding frequency — daily, monthly, quarterly, annually, or continuous.
- Compound Interest CalculatorProject long-term investment growth with compound interest and regular contributions. Choose your compounding frequency and contribution timing.
- Simple Interest CalculatorCalculate simple interest on a loan or deposit. Enter principal, annual rate, and time (years, months, or days) — get interest earned and total balance.
- Lease vs Buy CalculatorCompare total cost of leasing vs buying (car, equipment, appliances) over your chosen horizon. Includes financing, resale value, and money-down assumptions.
Pricing & margins
Discount, markup, sales tax, unit economics.
- Percentage CalculatorEvery percentage calculation in one place: X% of Y, X is what % of Y, change from A to B, add/subtract %, add tax. Runs entirely in your browser.
- Discount CalculatorCalculate sale price and savings for any discount percentage. Includes common presets (10%, 20%, 30%, 50%, 75% off).
- Sales Tax / VAT / GST CalculatorAdd tax to a net price OR reverse-calculate the pre-tax price from a gross total. Works for US sales tax, UK VAT, Singapore GST, and any custom rate.
- ROI CalculatorCalculate return on investment (ROI): total ROI percentage, net profit, and annualized ROI over any holding period. Useful for stocks, real estate, and business decisions.
- Unit Price CalculatorEnter multiple products with price and quantity — the calculator ranks them by price per unit (per oz, per lb, per kg, per sheet, whatever) and highlights the best deal.
Everyday admin
Invoices, business cards, spreadsheets, IDs.
- Merge PDFsMerge two or more PDF files into a single document. Reorder pages, remove unwanted pages, and download the result — all in your browser. Nothing is uploaded.
- Split PDFSplit any PDF into individual pages or custom ranges. Extract just the pages you need, then download as separate PDFs. Runs in your browser — no upload.
- Images to PDFTurn one or more images into a single PDF file. JPG, PNG, and WebP supported. Reorder the pages, pick page size and fit mode, download — all in your browser.
- Compress PDFShrink a large PDF right in your browser. Great for scanned documents and photo-heavy PDFs — pick a quality level and download a smaller file. No upload.
- CSV ↔ JSON ConverterConvert CSV data to JSON (or JSON to CSV) with configurable delimiter, header row option, and RFC 4180-style quoting. Runs in your browser.
- QR Code GeneratorGenerate QR codes for URLs, text, WiFi credentials, and more. Customize colors and error correction. Download as PNG or SVG. Runs in your browser.
- UUID GeneratorGenerate cryptographically-strong UUIDs in bulk. Supports v4 (random), v7 (time-ordered), and the nil UUID. Formatting options included.
Ship a landing page
The bare-minimum tools for a business site.
- Favicon GeneratorGenerate favicons from any letter, emoji, or short text. Custom gradient backgrounds. Download every size you need (16, 32, 180, 512).
- Meta Tag GeneratorGenerate SEO, Open Graph, and Twitter Card meta tags from your title, description, URL, and image. Includes a live Google SERP preview.
- Color ConverterPaste any color in hex, rgb(), rgba(), or hsl() and get it in every other format instantly. Includes a live swatch and a native color picker.
- Contrast CheckerTest any foreground/background color pair against WCAG 2.2 contrast rules. Shows the ratio, live preview, and pass/fail for normal text, large text, and UI components.
- UTM URL BuilderBuild UTM-tagged campaign URLs for Google Analytics, Adobe Analytics, and other tools. Presets for newsletter, social, and paid search. Validates required params.
Or reach for a broader tool
Third-party products that fit this use case. Our built-in tools cover the small technical jobs; these cover the bigger workflows around them. External links, hand-picked, not sponsored.
| Tool | Pricing | Best for | Tier |
|---|---|---|---|
| Canva Design tool with thousands of wedding + invitation templates. | Free tier · Pro from $12.99/mo | Anyone who wants professionally-designed printed materials without hiring a designer. | Freemium |
| Webflow Visual website builder that outputs production-quality code. | Free to build · Site plans from $14/mo · CMS from $23/mo | Designers building marketing sites who want visual control without writing CSS. | Freemium |
| Notion Docs, wiki, database, and lightweight site builder in one. | Free personal tier · Plus from $12/mo per user | Anyone who wants a shared team brain without setting up an intranet. | Freemium |
| Wave Free accounting + invoicing for small businesses. | Free accounting · Payments 1%-2.9% + $0.30/transaction · Payroll paid | Freelancers and micro-businesses that need real accounting without a monthly subscription. | Freemium |
| Stripe Developer-first payments infrastructure. | 2.9% + $0.30 per successful US card transaction | Anyone building a product that needs to charge customers, from a $5 template sale to a SaaS. | Paid |
| Square Point-of-sale + payments + business tools. | Free POS + reader · Card transactions 2.6% + $0.10 (US) | Small physical retailers and service businesses that need real-world payments alongside online. | Freemium |
| Adobe Express Fast marketing design with Adobe assets. | Free tier · Premium from $9.99/mo | Solopreneurs producing marketing content who want Adobe quality without the full Creative Cloud. | Freemium |
- CanvaFreemiumDesign tool with thousands of wedding + invitation templates.
- Drag-and-drop editor with wedding invitation, menu, program templates
- Print + ship save-the-dates, invitations, thank-you cards
- Free tier has enough for most weddings; Pro adds premium templates + brand kit
Best for: Anyone who wants professionally-designed printed materials without hiring a designer.Free tier · Pro from $12.99/moVisit Canva - WebflowFreemiumVisual website builder that outputs production-quality code.
- Visual designer with real CSS output — no Squarespace-style lock-in
- CMS collections for blog, portfolio, product pages
- E-commerce on higher tiers
Best for: Designers building marketing sites who want visual control without writing CSS.Free to build · Site plans from $14/mo · CMS from $23/moVisit Webflow - NotionFreemiumDocs, wiki, database, and lightweight site builder in one.
- Free-form pages that double as databases with sortable views
- Publish any page as a public website (Notion subdomain)
- Team wikis, project trackers, meeting notes
Best for: Anyone who wants a shared team brain without setting up an intranet.Free personal tier · Plus from $12/mo per userVisit Notion - WaveFreemiumFree accounting + invoicing for small businesses.
- Free accounting with double-entry bookkeeping
- Free unlimited invoicing + estimates
- Payment processing (paid per transaction)
Best for: Freelancers and micro-businesses that need real accounting without a monthly subscription.Free accounting · Payments 1%-2.9% + $0.30/transaction · Payroll paidVisit Wave - StripePaidDeveloper-first payments infrastructure.
- Accept cards, wallets, bank transfers in 40+ countries
- Subscriptions, invoicing, connected accounts (marketplaces)
- No monthly fee — pay per transaction only
Best for: Anyone building a product that needs to charge customers, from a $5 template sale to a SaaS.2.9% + $0.30 per successful US card transactionVisit Stripe - SquareFreemiumPoint-of-sale + payments + business tools.
- Free POS software + free card reader (starter)
- Online store builder included in free plan
- Payroll, appointments, invoicing add-ons (paid)
Best for: Small physical retailers and service businesses that need real-world payments alongside online.Free POS + reader · Card transactions 2.6% + $0.10 (US)Visit Square - Adobe ExpressFreemiumFast marketing design with Adobe assets.
- Templates for social media, flyers, resumes, videos
- Access to Adobe Stock (limited on free)
- AI-generated images + text effects (Firefly)
Best for: Solopreneurs producing marketing content who want Adobe quality without the full Creative Cloud.Free tier · Premium from $9.99/moVisit Adobe Express