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Business Tools — Free UK Small Business Calculators | Calcify
Business Tools

Run your business
smarter

Free tools built for UK freelancers, sole traders, and small businesses. Tax estimates, margin calculators, rate planners — all in one place, no signup needed.

Browse All Tools Tax Estimator
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15+
Free tools
£0
Cost to use
2025/26
Tax year
UK ✔
HMRC rates

All Business Tools

Every tool uses current 2025/26 HMRC rates and UK regulations. No login, no data stored.

Self-Assessment Tax Estimator
Income Tax & National Insurance
Enter your income, expenses, and pension contributions to get your estimated tax bill before the January deadline. Covers multiple income sources.
Self-employedFreelancers2025/26
Open tool Free
Sole Trader vs Ltd Company
Which structure saves you more?
Enter your expected profit and see the real tax difference between operating as a sole trader versus a limited company, shown in pounds.
New businessesTax planning
Open tool Free
VAT Threshold Tracker
How close are you to £90,000?
Track your rolling 12-month turnover and see exactly how close you are to the VAT registration threshold, with a projected breach date.
Growing businessesVAT£90k threshold
Open tool Free
Profit Margin Calculator
Gross margin, net margin & markup
Enter revenue, cost of goods, and expenses to see your true profit margins. Compare across Etsy, eBay, and your own website.
Etsy sellerseBay sellersProduct businesses
Open tool Free
Freelance Hourly Rate Calculator
What should you actually charge?
Enter your income target, working hours, holidays, and business costs to calculate the minimum hourly rate you must charge to survive.
FreelancersConsultantsTradespeople
Open tool Free
Late Payment Calculator
Statutory interest & letter generator
Calculate the statutory interest you can legally charge on overdue invoices under UK law, plus generate a ready-to-send formal notice.
FreelancersSuppliersLegal right
Open tool Free
Employee Cost Calculator
True cost of hiring someone
Enter a salary and see the real cost to employ someone — employer's NI, pension, holiday pay, and the revenue they need to generate to justify the hire.
Small employersFirst hire2025/26
Open tool Free
Mileage & Expense Logger
HMRC approved rates, tax-year tracking
Log business journeys at HMRC's approved rates (45p/25p per mile). Running totals, tax-year tracking, and CSV export for your accountant.
Self-employedHMRC ratesSelf Assessment
Open tool Free
Dividend Tax Calculator
2025/26 rates • all bands
Calculate exactly how much dividend tax you owe after the £500 allowance. Covers basic, higher, and additional rate taxpayers.
Ltd company directorsInvestors
Open tool Free
Corporation Tax Calculator
Includes marginal relief
Calculate your company’s corporation tax including marginal relief for profits between £50,000 and £250,000.
Limited companiesMarginal relief
Open tool Free
Startup Cost Estimator
Budget, burn rate & runway
Add your one-off and monthly costs to see your total startup investment, monthly burn rate, and how long your capital will last.
New businessesPlanning
Open tool Free
Break-Even Calculator
Units, revenue & profit chart
See exactly how many sales you need to cover your fixed costs — with a profit/loss chart at different sales volumes.
All businessesPricing
Open tool Free
12-Month Cash Flow Forecast
Spot cash problems early
Build a 12-month cash flow forecast. Enter income and costs month by month, see your running balance, and export to CSV.
All businessesPlanning
Open tool Free
Price Increase Calculator
How many customers can you lose?
See how a price rise affects your profit and calculate exactly how many customers you can afford to lose and still come out ahead.
Pricing strategyAll businesses
Open tool Free
Invoice Generator
Professional invoices • PDF download
Create a professional invoice with line items, VAT, and your branding. Save invoices locally, print or download as PDF instantly.
FreelancersSole tradersVAT ready
Open tool Free

Built for UK small businesses

All figures use current HMRC rates and UK legislation.

Current UK rates
Every calculator uses 2025/26 HMRC figures — Income Tax bands, NI thresholds, employer rates, and the £90,000 VAT threshold.
Nothing stored
All calculations run in your browser. No data is sent to our servers. No account required. Close the tab and it's gone.
Export everything
Mileage logs and expense trackers export as CSV so you can hand them straight to your accountant or import into your accounts software.
Not professional advice
These tools give useful estimates but every situation is different. Always verify with a qualified accountant for tax decisions that matter.

Missing a tool you need?

Suggest it and we’ll build it. Most requests are live within a week.

Suggest a Tool

Live Data Lookups

Tools that fetch real-time data directly from UK government APIs.

HMRC VAT Checker
Validate any UK VAT registration number instantly against the official HMRC register.
Free · No signup Open
Companies House
Search any UK company by name or number. Status, directors, addresses, filing dates.
Free API key required Open
Live Exchange Rates
Real-time GBP exchange rates against 20+ currencies with a built-in converter.
Free · No signup Open
Land Registry Sold Prices
Search actual sold prices for any UK postcode using official Land Registry data.
Free · No signup Open