Business & SaaS Tools
Run the numbers founders, freelancers and finance teams actually get asked about: unit economics, pricing, invoicing and cash flow.
Invoice Generator
Create and download professional PDF invoices in under a minute. Multi-currency, tax and discount support, custom logo, and nothing ever leaves your browser.
SaaS Metrics
Calculate MRR, ARR, net revenue retention, churn, LTV, CAC payback and the Rule of 40 in one place. Benchmarked against real SaaS ranges investors expect.
Freelance Rate Calculator
Work out the hourly rate you must charge to hit your target income after taxes, business costs, unpaid admin time and holiday. Includes day and project rates.
Business Loan Calculator
Calculate business loan payments, true APR including fees, total interest and a full amortization schedule. Compare term loans, SBA loans and equipment finance.
Business guides
Should You Take a Shorter Loan Term? Run the Cash Flow First
Given a choice between a three-year and a five-year loan at the same rate, the arithmetic says take the three-year: less total interest,...
BusinessHow to Raise Your Freelance Rates Without Losing Clients
Rates do not raise themselves, and inflation lowers them continuously. A rate unchanged for three years has fallen roughly 10% to 15% in...
BusinessThe Rule of 40, Explained With Real Numbers
The Rule of 40 exists to answer one question: how do you compare a company growing fast and losing money against one growing slowly and...
BusinessInvoice Numbering: The System That Keeps Your Books Audit-Proof
Invoice numbering looks like a formatting preference. It is closer to a legal obligation, and it is one of the first things an auditor...
BusinessSBA Loans vs Online Lenders: The Real Cost Comparison
The choice between an SBA loan and an online lender is really a choice about how much you are willing to pay for speed. The gap is larger...
BusinessHourly vs Fixed-Fee Pricing: When Each One Wins
Hourly billing has one enormous flaw: it ties your income to your inefficiency. The better you get, the less you earn for the same...