Free tools for small businesses
No sign-up, no cost, and nothing you type leaves your browser.
New to payments words? Read the payments glossary. Run a website? Put a free calculator on your own site.
Invoice generator
Make a clean, professional invoice and save it as a PDF.
Receipt generator
Make a paid receipt with the date and payment method, as a PDF.
Quote generator
Price a job before you start and send a quote with a valid-until date, as a PDF.
Card fee calculator
See the fee on a payment and what to charge to receive the full amount.
Pay by bank savings calculator
What you could save each month if some customers paid by bank instead of by card.
Card machine cost calculator
Compare two card machine deals on device price, fees and monthly charges over a year.
Virtual terminal cost calculator
Phone payments with a virtual terminal or payment links: the monthly cost of each.
Interchange++ vs blended calculator
Compare a flat card rate with interchange plus scheme fees plus markup, and see which costs you less.
Card rewards cost calculator
Planning a card with cashback? Compare the rewards bill with the interchange the spending brings in.
Prepaid card cost calculator
Add up a year of prepaid card fees and see them as a share of the money you load.
Card issuing profit calculator
What your own branded cards cost, what card fees and plans bring in, and first-year profit.
Card hold calculator
How much a hotel or car hire pre-authorisation ties up, what you can still spend and what comes back.
Split the bill calculator
Split a bill fairly by what each person had, with shared dishes and the tip, and see who owes what.
Standing order calculator
Every payment date of a regular fixed payment, the last one and the total paid.
Chargeback ratio calculator
Your chargeback rate, how close it is to your provider's limit, and what chargebacks cost you.
Payment authorisation rate calculator
What share of your card payments get approved, what the declined ones were worth, and the extra sales from a higher rate.
Chargeback cost calculator
What a disputed card payment really costs, and whether to refund, accept or fight it.
Rolling reserve calculator
How much of your card sales a provider holds back, the most held at once, and your first month's payouts.
Payment float calculator
How much money is stuck in transit on an average day, what it costs a year, and what a faster payout frees up.
Payout reconciliation calculator
What should have arrived after fees, refunds and chargebacks, and the gap to what did.
Failed subscription payment calculator
What failed renewal payments cost a month and a year, and what better recovery is worth.
VAT calculator
Add VAT to a price or take it out, at UK rates or any rate.
UK VAT threshold checker
Your rolling 12-month sales against the £90,000 VAT threshold, and the room left.
Profit margin calculator
Work out profit, margin and markup, or the price for the margin you want.
Payment reminder templates
Four polite emails for an unpaid invoice, filled in with your details.
Hourly rate calculator
What to charge per hour and per day as a freelancer or sole trader.
Invoice due date calculator
The exact day an invoice is due under net 30, end of month or any terms.
Proration calculator
What to charge or credit when a customer changes subscription plan part-way through a billing period.
Payment plan calculator
Split a price into a deposit and instalments, with every payment date.
Price increase letter templates
Polite ways to tell customers your prices are going up, ready to copy.
Break-even calculator
How many sales a month cover your costs, and what each sale after adds.
Working capital calculator
Working capital, current ratio and quick ratio from cash, money owed to you, stock and short-term debts.
Cash flow calculator
Your monthly cash flow, how long your cash lasts, your balance for a year, and what getting paid sooner frees up.
Business bank account fee calculator
Compare the monthly and yearly cost of two business accounts for the way you use them.
Late payment interest calculator
What you can claim on a late invoice to another UK business.
Money transfer cost calculator
The real cost of sending money abroad: the fee plus the exchange rate markup.
International transfer charges calculator
Who pays what on a SWIFT transfer under OUR, SHA and BEN, after every bank takes its fee.
Payment app name generator
Name ideas for your own payments or money app, ready to open in the builder.
Which money app should I launch?
Four quick questions to find the kind of money app that fits the people you want to serve.
Money app pitch builder
Write a one-sentence pitch, headline, tagline and share message for your own money app.
Digital bank app launch checklist
Every step to launch your own money app, from picking your people to your first ten customers.
Crypto profit calculator
Profit or loss on a crypto trade after buy and sell fees, and your break-even price.
Crypto spread calculator
The hidden cost between a coin's buy and sell price, and how far it must rise for you to break even.
Slippage calculator
What the gap between the price you expected and the price you got cost you, and the worst price your tolerance allows.
Order book calculator
How a market order fills level by level: the average price, slippage and depth used.
Maker vs taker fee calculator
What a crypto trade costs as a maker and as a taker order, and your monthly fees for your own mix of orders.
Crypto DCA calculator
Average cost per coin and profit or loss from buying a fixed amount on a schedule.
Stablecoin depeg calculator
How far a stablecoin is off its $1 peg, what your coins are worth now, and if it falls further.
Proof of reserves calculator
A crypto exchange's reserve ratio coin by coin and in total, and which coins are short.
Currency peg calculator
Where a pegged currency like the Hong Kong dollar sits in its band, and what a broken peg would mean for your money.
Satoshi converter
Convert sats to bitcoin and to pounds, euros or dollars, and back, at any price.
Ethereum gas fee calculator
What an Ethereum transaction costs in ETH and in pounds, euros or dollars.
Ethereum unit converter
Convert wei, gwei and ether, and see the value in pounds, euros or dollars.
Crypto staking rewards calculator
What staking could earn in coins and in pounds, euros or dollars, after commission.
Multisig wallet calculator
How many keys you can lose and how many a thief needs, for 2-of-3, 3-of-5 or your own set-up.
Seed phrase strength calculator
How many possible seed phrases there are and how long guessing one would take.
Crypto wallet address checker
Check a Bitcoin or Ethereum address's format and checksum before you send, and see what kind of address it is.
Bitcoin mining calculator
A miner's daily BTC, income, electricity cost and profit, with the break-even power price.
SHA-256 hash generator
See the SHA-256 hash of any text, and how one changed character changes it all.
Bitcoin dominance calculator
Bitcoin's share of the whole crypto market, and how it shifts if Bitcoin and other coins move.
Bitcoin halving calculator
The block reward now, blocks left until the next halving, and roughly when it lands.
Bitcoin fee calculator
Estimate a Bitcoin transaction's size and what it costs to send at any fee rate, in sats, BTC and your currency.
Confirmation time calculator
How long a crypto deposit takes to reach the confirmations an app needs, with a slow case.
Lightning Network fee calculator
Routing fees on a bitcoin Lightning payment, hop by hop, against on-chain.
Crypto market cap calculator
Any coin's market cap, and the price it would need to reach another market cap.
Fully diluted valuation calculator
A token's FDV against its market cap, and how much supply is still to come.
Token unlock calculator
How many locked crypto tokens a vesting schedule releases each month, and how much the supply grows.
Token burn calculator
How a token's supply changes as coins are burned and new ones created.
Crypto portfolio rebalancing calculator
How much of each coin to buy or sell to get back to your target mix.
Impermanent loss calculator
How much less a 50/50 liquidity pool is worth than holding the two tokens.
AMM swap calculator
What a swap in a constant product liquidity pool pays out, with price impact and fee.
Pip value calculator
What one pip is worth on any forex pair, in your own account currency.
Forex market hours
The Sydney, Tokyo, London and New York sessions in your own time, which are open now, and when they overlap.
Forex spread calculator
Turn bid and ask prices into the spread in pips and percent, and its cost per trade and per month.
Dynamic currency conversion calculator
Pay abroad in local currency or your own? Compare both and see the mark-up hidden in the offer.
Foreign transaction fee calculator
What your card charges when you pay in another currency, abroad or online.
Forex profit calculator
Profit or loss on a forex trade in pips and in your own account currency.
Forex position size calculator
How many lots to trade so a stop loss costs only the share of your account you chose.
Forex lot size converter
Any trade size as standard, mini, micro and nano lots, with the value of a pip.
Risk/reward ratio calculator
A trade's reward-to-risk ratio and the win rate needed to break even.
Trading expectancy calculator
Average result per trade, profit factor and break-even win rate from your win rate and average win and loss.
Trailing stop calculator
Where a trailing stop sits after a price rise, and what it locks in.
Drawdown recovery calculator
The gain you need to win back a trading loss, from 5% to 90%.
Volatility calculator
Daily and yearly historical volatility from a list of closing prices.
Pivot point calculator
The pivot point and three support and resistance levels from a high, low and close.
Fibonacci retracement calculator
Retracement and extension levels from any swing high and low.
Moving average calculator
Simple and exponential moving averages from any list of prices, step by step.
RSI calculator
The Relative Strength Index of any list of prices, with Wilder's smoothing.
Bollinger Bands calculator
Upper, middle and lower bands, %B and bandwidth from any list of prices.
MACD calculator
The MACD line, signal line and histogram from any list of prices.
Correlation calculator
How closely two currency pairs, coins or shares move together, from -1 to +1.
ATR calculator
Average True Range from high, low and close prices, plus ATR-based stop distances.
Stochastic oscillator calculator
%K and %D from high, low and close prices, with overbought and oversold zones.
Williams %R calculator
Williams %R from high, low and close prices, with overbought and oversold zones.
Net interest margin calculator
Work out a bank or lender's NIM, net interest income and interest spread from a year's figures.
Deposit insurance calculator
List your savings at each bank and see how much is within the FDIC, EU or FSCS limit.
Dormant account calculator
When a forgotten bank account may be marked inactive, and when it hits 15 years untouched.
Bank capital ratio calculator
Risk-weight a balance sheet and see the capital ratio, leverage ratio and room above the Basel III minimum.
Bank liquidity calculator
A bank's liquidity coverage ratio against the Basel III minimum, its loan-to-deposit ratio and how much of its deposits it could pay out in a run.
Liquidation price calculator
Where a leveraged long or short would be liquidated, from entry, leverage and maintenance margin.
Funding rate calculator
What perpetual futures funding costs or pays on a long or short, per payment and over time.
Forex margin calculator
The margin a forex trade needs at your leverage, in your own account currency.
Margin level calculator
Your equity, free margin and margin level, and how much more loss before a close-out.
Forex swap calculator
The overnight swap charged or paid on a trade held for several nights.
Forward exchange rate calculator
The forward rate and forward points for any pair, from the spot rate and each currency's interest rate.
Value date calculator
When a currency exchange or payment settles at T+2, T+1 or same day, skipping weekends and holidays.
FX option calculator
See the worst case a currency option locks in, its break-even rate, and how it compares with no cover.
Currency hedge calculator
Compare fixing all, none or part of a foreign currency bill as exchange rates move.
Letter of credit cost calculator
Add up the issuing fee, confirmation fee and fixed charges on a letter of credit for an order.
Bank guarantee cost calculator
The fee for a bank guarantee and the cash you may need to hold as security.
Carry trade calculator
See what a forex carry trade earns from the rate gap and how far the currency can fall before it's wiped out.
Triangular arbitrage calculator
Go round GBP, USD and EUR both ways to see if the rates line up, and what fees do to any gap.
Yield curve calculator
Draw a yield curve from 3 months to 30 years and see whether it is normal, flat or inverted.
Bond yield calculator
Work out a bond's current yield and yield to maturity from its coupon and price.
Currency cross rate calculator
The exchange rate between any two currencies from their rates against a third.
US Dollar Index (DXY) calculator
Work out the dollar index from its six exchange rates, and what moves it.
Currency code lookup
Find the ISO 4217 code, number code and decimal places for any currency.
Purchasing power parity calculator
Compare what the same thing costs in two countries, find the PPP exchange rate, and see which currency looks cheap.
Compound interest calculator
See savings grow with monthly deposits and compound interest, year by year.
Simple interest calculator
Interest on any amount for years, months or days, compared with compound interest.
Present value calculator
What future money is worth today, or what today's money grows to.
Real interest rate calculator
What your interest rate really earns after inflation, in today's money.
CAGR calculator
The compound annual growth rate between two values, with an optional figure after inflation.
Rule of 72 calculator
How many years it takes money to double at any rate, and the rate needed to double in time.
Savings goal calculator
How much to save each month to reach a goal by a set date, with interest.
Savings circle calculator
Plan a savings circle, stokvel, chama or susu: the pot, every turn's date and what your turn means.
Round-up savings calculator
Paste a week of card payments and see what rounding each one up would save in a year.
Emergency fund calculator
How big your emergency fund should be, the gap to close and how many months it takes.
Inflation calculator
What prices will be in future, what cash is worth today, and whether savings beat inflation.
Currency devaluation calculator
See how a falling currency changes import prices, savings abroad and foreign currency debts.
SDR calculator
What one IMF special drawing right is worth from today's rates, with each basket currency's share.
Hyperinflation calculator
Turn a monthly inflation rate into a yearly one and see how fast prices double and cash loses value.
Overdraft cost calculator
What being overdrawn costs for the days you use it, and over a year.
Cash pooling calculator
Compare a year of interest on a group's bank balances kept separate and pooled together.
Agent banking float calculator
How much cash and e-float a banking or mobile money agent needs between top-ups, and the commission.
Loan repayment calculator
The monthly payment, total repaid and total interest on a loan, from the amount, APR and term.
Flat rate to APR calculator
Turn a loan's flat interest rate into its real APR, with the monthly payment and total interest.
SONIA interest calculator
Interest on a sterling loan priced as SONIA plus a margin, and what happens if SONIA moves.
Merchant cash advance calculator
The total you repay from a factor rate, the daily holdback, how long it takes and the yearly rate it works out to.
Credit card payoff calculator
How long a card balance takes to clear at your monthly payment, and the interest it costs.
Credit utilisation calculator
How much of your credit limits you're using, and how much to pay off to lower it.
Mortgage calculator
Monthly repayments from the price, deposit, rate and term, with loan-to-value and total interest.
Loan-to-value calculator
Work out your LTV and the deposit you'd need for a lower one.
Debt-to-income ratio calculator
What share of your income goes on debt payments, and your room under a target ratio.
APR to APY calculator
Convert APR to APY (AER) and back, and see what compounding adds in a year.
Basis point calculator
Convert basis points to percent and back, and see what any number of bps comes to on an amount.
SWIFT code checker
Check a SWIFT or BIC code's format and see its bank, country and branch parts.
Routing number checker
Check a US ABA routing number's check digit and see which Federal Reserve district it points to.
IFSC code checker
Check an Indian IFSC code's 11-character format and see its bank and branch parts.
BSB checker
Check an Australian BSB number's format and see its bank, state and branch digits.
CLABE checker
Check a Mexican CLABE's 18 digits and check digit, and see its bank, branch and account parts.
IBAN checker
Check an IBAN's length and check digits for 77 countries before you send money.
Sort code checker
Check a UK sort code and account number's format before you pay.
Card number checker
Run the Luhn check on a card number, see its network, and find the check digit that makes it valid.
Discount calculator
Sale price after a percentage off, and the sales you need to keep the same profit.
Marketplace commission calculator
What sellers take home and what your marketplace earns after payment fees.
Escrow fee calculator
The escrow fee on a deal, what the buyer pays in and what the seller receives.
Take rate calculator
Your platform's take rate from GMV and fees earned, the net take rate after processing, and what sellers keep.
Membership income calculator
What a paid membership brings in over a year as members join and leave.
Customer lifetime value calculator
What one customer is worth over the years they buy, and what you can spend to win one.
Annual vs monthly pricing calculator
Price a yearly plan: months free or percent off, and what it brings in up front.
Platform earnings calculator
What your own payment platform could earn in fees.
Money transfer business calculator
What transfer fees and an exchange rate margin could earn a remittance business, after costs.
Crypto exchange business calculator
What trading fees and a spread could earn your own crypto app, after costs.
Business account platform calculator
What plans, transfer fees and currency exchange could earn your own business accounts.
Banking app build cost calculator
Compare the first-year cost of building a money app in-house with launching one white-label.
Small payment institution limit calculator
Check your payment volume against the UK €3m small payment institution limit.
KYC cost calculator
What identity checks cost per verified customer, after drop-offs and manual reviews.
Multi-currency account savings calculator
What holding a EUR or USD balance saves compared with converting every payment.