UK freelancers & small businesses
UK freelancer money tools. Free, fast, no signup.
Free calculators and a professional invoice generator — instant results, no login, nothing stored. Figures based on published HMRC rates.
The toolkit
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Free Invoice Generator
Create and download a professional UK invoice PDF in seconds — VAT-ready and itemised. Free, no signup, and nothing you enter ever leaves your browser.
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VAT Calculator
Add or remove UK VAT at 20%, 5% or 0% and see the net, VAT and gross amounts instantly. Free VAT calculator for freelancers and small businesses — no signup.
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Dividend vs Salary Calculator
Find the most tax-efficient salary and dividend split for a UK limited company director in 2026-27, after Corporation Tax, dividend tax and NI. Free, no signup.
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IR35 Take-Home Calculator
Compare your inside vs outside IR35 take-home pay as a UK contractor — day rate to annual net, via an umbrella or your own limited company. Free, no signup.
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Contractor Take-Home Calculator
Turn your day rate into annual take-home pay, working outside IR35 through a limited company after Corporation Tax, dividends and NI. Free, no signup.
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Employer's NI Calculator
Work out employer's Class 1 National Insurance on a salary for 2026-27 — 15% above the £5,000 secondary threshold, calculated instantly. Free, no signup.
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Mileage Claim Calculator
Calculate your HMRC-approved mileage allowance (AMAP) at 55p and 25p per mile for cars, plus motorcycle and bicycle rates for 2026-27. Free, no signup.
Every tool shows its working — the rates used, the formula in plain English, and a link to the source. Information and estimates only, never a signup wall.