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United Kingdom · 13 tools

Business & Freelance calculators

Price from cost and volume first, then layer VAT, payroll and cash timing on the same numbers.

Start here, then explore the groups below.

Profit MarginCalculate gross, operating and net profit margins from revenue and cost figures. See how efficiently your business converts sales into profit at each level.Business & FreelanceBreak-EvenCalculate units or revenue needed to cover all costs and break even. Enter fixed costs, variable costs per unit and selling price to find your break-even point.Business & FreelanceInvoice TotalsCalculate invoice totals including subtotal, VAT and discounts applied. Quickly work out what to charge clients and produce accurate figures for your invoices.Business & FreelanceVATCalculate VAT at the standard, reduced or zero UK rate. Add VAT to a net price or remove VAT from a gross price to find the correct tax amount quickly.Business & Freelance

Price from cost and volume, then check tax

Margin, break-even and cash-flow tools belong together: a price that looks profitable on markup can still miss VAT, payroll or the volume you actually sell. Get the unit economics stable before you model corporation or sales tax.

  1. Lock cost per unit and the selling price before you change volume.
  2. Find the break-even quantity, then test a slower month in the cash-flow tool.
  3. Only then apply VAT/GST or employer cost on top of the same numbers.

Unit economics before tax

Business calculators are where abstract planning meets a concrete number. Whether you are pricing a product, pitching a contract rate, or checking whether a new hire pencils out, the difference between a gut-feel answer and a spreadsheet-backed one is usually the margin between a profitable decision and a painful lesson.

The tools in this hub cover the core day-to-day operating questions: what to charge, what a sale actually earns you, when you break even, and how much a team member really costs once employer NI, pension and overheads are added in. For limited-company directors and contractors, there is also IR35 status modelling and the dividend-vs-salary optimisation that determines how much of your profit reaches your personal bank account.

These are first-line decision-support tools, not substitutes for proper accounting software. They are at their most useful before you commit — setting an hourly rate for a new engagement, reviewing whether a volume discount still leaves margin, or testing the cash-flow impact of a slow-paying client. Once you have a direction, move the final numbers into Xero, FreeAgent, or QuickBooks for formal tracking.

Start with Profit Margin or Break-Even if you are pricing a product, Hourly Rate if you are quoting your time, and Employee Cost if you are scoping a hire. Limited-company directors should pair the Dividend vs Salary tool with the IR35 Calculator to confirm the tax implications of each engagement. Every tool shows its formula — use it as a sanity check rather than a source of truth, and verify the final figures with your accountant.

Guides that support this category

Use these when you need more context before choosing a calculator.

Pricing and margin5

Tools for setting prices, calculating markups and margin, and working out the true cost to produce.

Profit MarginCalculate gross, operating and net profit margins from revenue and cost figures. See how efficiently your business converts sales into profit at each level.MarkupCalculate the selling price and profit margin from cost and markup percentage. Find the right markup to hit your target profit on any product.Cost Per UnitCalculate the cost per unit of any product by dividing total costs by quantity produced. Use this to set competitive prices and maintain healthy profit margins.Break-EvenCalculate units or revenue needed to cover all costs and break even. Enter fixed costs, variable costs per unit and selling price to find your break-even point.Break Even AnalysisFind the break-even point where revenue covers total costs. Enter fixed costs, variable costs and unit price to see how many sales you need to profit.

Contractor + director finances4

For limited companies and consulting: hourly rates, IR35 status, and the dividend-vs-salary split.

Hourly RateCalculate the minimum hourly rate you need to charge as a freelancer to hit your income goal.IR35Estimate an illustrative 2026/27 deemed employment payment using a daily rate, 5% flat deduction and standard PAYE and NI assumptions. Check the rules for your engagement.Dividend vs SalaryCompare an illustrative 2026/27 salary-and-dividends extraction from company profit, including employer NI, Corporation Tax and personal taxes.Employee CostCalculate the true total cost of an employee including employer NI, pension contributions and benefits.

Day-to-day operations3

Invoicing, VAT, and the cash-flow models you lean on to keep the business liquid.

Invoice TotalsCalculate invoice totals including subtotal, VAT and discounts applied. Quickly work out what to charge clients and produce accurate figures for your invoices.VATCalculate VAT at the standard, reduced or zero UK rate. Add VAT to a net price or remove VAT from a gross price to find the correct tax amount quickly.Cash FlowCalculate net cash flow by totalling inflows and outflows. Track whether your business or household generates a positive or negative cash position each period.

More tools in this category1

Use these supporting calculators when you need a more specific comparison or a second opinion on the same decision.

CIS DeductionEstimate UK Construction Industry Scheme deductions at 20% (registered) or 30% (unregistered) on the labour element of a subcontract payment.

Related categories

TaxMoney & FinanceSalary & WorkEveryday Maths