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Core tools

  • Free Invoice Generator – PDF & PrintCreate a professional invoice with line items, tax, due dates, notes, and payment terms. Print or save as PDF for free, with no signup.
  • Invoice Tracker with Partial Payments & BalancesTrack multiple payments per invoice, balance due, overdue status, payment history, and complete local invoice documents. No account required.
  • Invoice Aging Calculator – 30/60/90 AR ReportBuild a free 30/60/90 accounts receivable aging report, load USD balances from the local invoice tracker, and prioritize overdue collections.
  • Payment Plan CalculatorCreate an installment schedule for an overdue invoice, including deposit, due dates, remaining balance, and client email wording.
  • Cash Flow Forecast CalculatorEstimate 30, 60, and 90 day cash runway from current cash, expected invoice collections, recurring expenses, and owner pay.
  • DSO CalculatorCalculate days sales outstanding from receivables and credit sales, compare against a target, and estimate the collection gap.
  • Accounts Receivable Turnover CalculatorCalculate accounts receivable turnover ratio, average collection period, target receivables, and collection improvement gap.
  • Working Capital CalculatorCalculate net working capital, current ratio, quick ratio, cash conversion pressure, and short-term liquidity buffer.
  • Cash Conversion Cycle CalculatorCalculate DIO, DSO, DPO, cash conversion cycle, and the working capital cash tied up in inventory and receivables.
  • Invoice Factoring CalculatorEstimate invoice factoring advance amounts, reserve holdbacks, factoring fees, net cash received, and effective financing cost.
  • Invoice Financing CalculatorEstimate invoice financing advances, financing fees, repayment amount, net proceeds, and effective APR before using unpaid invoices for cash.
  • Invoice Financing vs Factoring CalculatorCompare invoice financing and factoring offers by advance cash, fees, net proceeds, effective APR, and collection timing.
  • Business Loan CalculatorCalculate business loan payments, total interest, origination fees, net proceeds, and estimated monthly debt service.
  • Business Loan Prequalification CalculatorEstimate business loan prequalification strength from requested loan amount, payment, DSCR, revenue, credit score, time in business, collateral, and cash available.
  • SBA Loan CalculatorEstimate SBA-style business loan payments, down payment, guarantee or packaging fees, net proceeds, total cost, and sales needed.
  • SBA Loan Guarantee Fee CalculatorEstimate SBA upfront guarantee fees, guaranteed portion, packaging costs, financed fees, cash due at closing, and monthly fee cost.
  • SBA Loan Offer Comparison CalculatorCompare two SBA loan offers by monthly payment, guarantee fees, packaging costs, cash to close, financed fees, and total cost.
  • SBA Loan Maximum Amount CalculatorEstimate the maximum SBA loan amount supported by business cash flow, DSCR, borrower cash, equity injection, fees, and financing limits.
  • SBA Loan DSCR CalculatorCalculate SBA loan debt service coverage ratio, required cash flow, DSCR cushion, stressed DSCR, and maximum supportable loan amount.
  • SBA Loan Eligibility CalculatorCheck common SBA loan eligibility signals, including for-profit status, U.S. operations, owner equity, use of funds, credit, taxes, cash flow, and business size.
  • SBA Loan Document Checklist GeneratorBuild an SBA loan document checklist, readiness score, missing document list, and lender package summary before applying.
  • SBA Loan Down Payment CalculatorEstimate SBA loan down payment, borrower cash to close, guarantee fees, working capital reserves, financing amount, and cash shortfall before applying.
  • SBA 7(a) Loan Payment CalculatorCalculate estimated SBA 7(a) monthly payments, total interest, guarantee fees, net proceeds, borrower cash needed, DSCR, and required sales.
  • SBA 504 Loan CalculatorEstimate SBA 504 project financing with a bank loan, CDC debenture, borrower equity, fees, payments, DSCR, and funding gaps.
  • Business Acquisition Loan CalculatorEstimate business acquisition financing with buyer equity, bank debt, seller note payments, DSCR, cash needed, and funding gaps.
  • Business Acquisition ROI CalculatorEstimate buyer cash invested, annual cash flow after debt service, cash-on-cash return, payback period, exit equity, MOIC, annualized return, and acquisition ROI status.
  • Seller Financing CalculatorEstimate seller note payments, balloon balance, seller cash at closing, deferred proceeds, buyer DSCR, and funding gaps for business acquisitions.
  • Earnout CalculatorEstimate business sale earnout payouts, caps, probability-weighted value, discounted value, seller cash at closing, and expected after-tax proceeds.
  • Net Working Capital Adjustment CalculatorEstimate purchase price adjustments from target working capital, delivered current assets, current liabilities, excluded cash, buyer funding impact, and seller closing cash.
  • Debt-Free Cash-Free Purchase Price CalculatorConvert enterprise value into debt-free cash-free equity value, seller proceeds, buyer funds needed, retained cash, debt payoff, deferred consideration, and closing adjustments.
  • Quality of Earnings Adjusted EBITDA CalculatorNormalize reported EBITDA for quality of earnings add-backs, deductions, pro forma costs, revenue adjustments, valuation multiples, DSCR, and bankable cash flow.
  • Customer Concentration Risk CalculatorEstimate top customer concentration, top five revenue share, EBITDA at risk, valuation exposure, bankable EBITDA, stressed DSCR, and acquisition risk status.
  • Seller Discretionary Earnings CalculatorCalculate seller discretionary earnings from net income, owner compensation, add-backs, one-time expenses, non-recurring revenue, manager salary, and maintenance capex.
  • Business Valuation CalculatorEstimate business value from SDE or EBITDA, market multiples, cash, debt, working capital, buyer equity, financing capacity, and DSCR.
  • Business Sale Proceeds CalculatorEstimate seller net proceeds from a business sale after broker commission, closing costs, debt payoff, working capital adjustments, holdbacks, and estimated taxes.
  • Business Broker Commission CalculatorEstimate business broker success fees, retainers, retainer credits, effective commission rate, seller closing cash, and target net proceeds.
  • Franchise Loan CalculatorEstimate franchise startup financing with franchise fees, buildout, equipment, inventory, working capital, borrower cash, payments, DSCR, and funding gaps.
  • Restaurant Loan CalculatorEstimate restaurant startup or expansion financing with buildout, kitchen equipment, inventory, working capital, payments, DSCR, required sales, and funding gaps.
  • Dental Practice Loan CalculatorEstimate dental practice acquisition or startup financing with purchase price, equipment, working capital, borrower cash, payments, DSCR, and funding gaps.
  • Veterinary Practice Loan CalculatorEstimate veterinary practice acquisition or startup financing with equipment, buildout, inventory, owner compensation, debt service, DSCR, and funding gaps.
  • Medical Practice Loan CalculatorEstimate medical practice acquisition or startup financing with equipment, EHR, buildout, working capital, physician compensation, DSCR, and funding gaps.
  • Optometry Practice Loan CalculatorEstimate optometry practice acquisition or startup financing with exam lanes, optical inventory, buildout, working capital, owner pay, DSCR, and funding gaps.
  • Chiropractic Practice Loan CalculatorEstimate chiropractic practice acquisition or startup financing with equipment, x-ray setup, buildout, working capital, owner pay, DSCR, and funding gaps.
  • Physical Therapy Practice Loan CalculatorEstimate physical therapy clinic acquisition or startup financing with rehab equipment, buildout, working capital, owner pay, DSCR, and funding gaps.
  • Medical Spa Loan CalculatorEstimate medical spa startup or acquisition financing with laser equipment, treatment rooms, inventory, working capital, owner pay, DSCR, and funding gaps.
  • Dermatology Practice Loan CalculatorEstimate dermatology practice acquisition or startup financing with procedure equipment, treatment rooms, working capital, owner pay, DSCR, and funding gaps.
  • Plastic Surgery Practice Loan CalculatorEstimate plastic surgery practice acquisition or startup financing with procedure suite buildout, surgical equipment, working capital, owner pay, DSCR, and funding gaps.
  • Ambulatory Surgery Center Loan CalculatorEstimate ASC acquisition or startup financing with OR buildout, surgical equipment, working capital, case volume, net collections, DSCR, and funding gaps.
  • Urgent Care Center Loan CalculatorEstimate urgent care acquisition or startup financing with clinic buildout, X-ray and lab equipment, working capital, visit volume, reimbursements, DSCR, and funding gaps.
  • Imaging Center Loan CalculatorEstimate diagnostic imaging center acquisition or startup financing with MRI/CT equipment, shielding, PACS, scan volume, net revenue, DSCR, and funding gaps.
  • Self Storage Loan CalculatorEstimate self-storage acquisition or expansion financing with rent, occupancy, NOI, DSCR, LTV, debt yield, borrower cash, and funding gaps.
  • Hotel Loan CalculatorEstimate hotel acquisition or renovation financing with ADR, occupancy, RevPAR, NOI, debt service, DSCR, LTV, debt yield, borrower cash, and funding gaps.
  • Car Wash Loan CalculatorEstimate car wash acquisition or build financing with traffic, average ticket, memberships, NOI, debt service, DSCR, LTV, debt yield, borrower cash, and funding gaps.
  • Semi Truck Loan CalculatorEstimate semi truck or trailer financing with down payment, fees, balloon, mileage revenue, operating costs, cash flow, DSCR, and funding gaps.
  • Business Debt Consolidation CalculatorCompare existing business debt payments with a consolidation loan, including payment relief, total cost, payoff gaps, and DSCR.
  • Commercial Mortgage CalculatorEstimate commercial mortgage payments, LTV, DSCR, debt yield, cash needed, and balloon balance for income property financing.
  • Commercial Bridge Loan CalculatorEstimate short-term commercial bridge loan payments, points, exit proceeds, LTV, LTC, funding gaps, and total financing cost.
  • Commercial Refinance CalculatorCompare a current commercial mortgage with a refinance offer, including payment savings, cash out, LTV, DSCR, balloon balance, and break-even timing.
  • Commercial Construction Loan CalculatorEstimate commercial construction loan interest reserve, draw interest, loan-to-cost, completed LTV, borrower cash, and exit refinance gap.
  • Business Loan Affordability CalculatorEstimate how much business loan a company can afford from cash flow, existing debt, target DSCR, sales, interest rate, and term.
  • Business Loan Amortization CalculatorCreate a business loan amortization schedule with monthly principal, interest, extra payments, payoff timing, and remaining balance.
  • Business Loan Prepayment CalculatorEstimate whether extra payments or one-time prepayments save money after prepayment penalties, interest savings, and months saved.
  • Business Loan Comparison CalculatorCompare two business loan offers by monthly payment, fees, net proceeds, total cost, payoff term, and cash flow pressure.
  • Business Loan APR CalculatorEstimate a business loan APR from cash received, monthly payments, term length, upfront fees, closing costs, and balloon payments.
  • Business Loan Refinance CalculatorCompare an existing business loan against a refinance offer by monthly payment, total cost, fees, break-even time, and savings.
  • Equipment Financing CalculatorEstimate equipment financing payments, down payment, fees, balloon balance, total cost, and cash flow required to support the debt.
  • Revenue-Based Financing Cost CalculatorCalculate revenue-based financing repayment caps, monthly revenue-share payments, payoff timing, finance charges, and estimated effective APR.
  • Working Capital Loan Payment CalculatorCalculate working capital loan payments, net proceeds, total borrowing cost, cash-gap coverage, runway added, and monthly sales needed.
  • Business Line of Credit CalculatorCalculate business line of credit draw costs, interest-only payments, draw fees, repayment amount, and effective APR.
  • Merchant Cash Advance CalculatorCalculate merchant cash advance factor-rate payback, holdback payments, estimated payoff time, and effective APR.
  • Debt Service Coverage Ratio CalculatorCalculate DSCR from business cash flow, existing debt, proposed loan payments, target coverage, and stress-test assumptions.
  • Freelance Hourly Rate CalculatorCalculate the hourly rate you need from income goals, expenses, tax, billable hours, and time off.
  • Profit Margin CalculatorCalculate gross profit, margin, markup, platform fees, and break-even price for a product or service.
  • Invoice Payment Terms CalculatorCalculate invoice due dates, late fee estimates, and payment follow-up dates for Net 7, Net 15, Net 30, and custom terms.
  • Early Payment Discount CalculatorCalculate 2/10 Net 30 style invoice discounts, early payment deadlines, discounted totals, and the cost of waiting.
  • Late Payment Interest CalculatorCalculate invoice late payment interest, grace days, fixed late fees, total balance due, and client-ready balance wording.
  • Overdue Invoice Email Generator & TemplatesGenerate a polite overdue invoice email for due soon, past due, partial payment, final notice, or deposit follow-up. Copy it or open an email draft.
  • Invoice Number GeneratorCreate clean invoice numbering patterns with prefixes, dates, client codes, and sequence numbers.
  • Quote GeneratorCreate a simple project quote with scope, line items, deposit, payment milestones, and terms.
  • Monthly Retainer CalculatorCalculate a monthly retainer price from hours, hourly rate, discount, included services, and overage terms.
  • Invoice Tax and Discount CalculatorCalculate invoice subtotal, discount, taxable amount, sales tax, and total due before sending a quote or invoice.
  • Payment Fee CalculatorCalculate payment processor fees, net received amount, and gross-up price needed to receive a target amount.

Invoice templates

Pricing guides

Payment terms

  • Net 7 Payment TermsWhat Net 7 means on an invoice, when to use it, and sample wording for short payment terms.
  • Net 15 Payment TermsWhat Net 15 means, how to calculate the due date, and when freelancers should use it.
  • Net 30 Payment TermsWhat Net 30 means on invoices, when it is appropriate, and how to reduce late payment risk.
  • Due on Receipt Invoice TermsHow due-on-receipt invoice terms work and when they make sense for freelancers and service businesses.
  • Deposit Invoice TermsHow to word invoice deposits, milestone billing, and balance due terms for custom work.

Reminder emails

Quote templates

Guides and policies

  • Free Invoice and Freelance Pricing ToolsCreate invoices, calculate freelance rates, check profit margins, and plan payment terms in a fast Cloudflare Workers tool site.
  • Free Invoice and Freelance Business ToolsBrowse free tools for invoices, freelance rates, profit margins, payment terms, reminder emails, and invoice numbers.
  • Invoice Templates by ProfessionBrowse invoice template guidance for designers, developers, consultants, photographers, virtual assistants, writers, cleaners, and tutors.
  • Freelance Pricing GuidesBrowse freelance pricing guides for developers, designers, virtual assistants, copywriters, consultants, and photographers.
  • Invoice Payment Terms & Conditions ExamplesCopy invoice payment terms and conditions examples for due on receipt, Net 7, Net 15, Net 30, deposits, late fees, disputes, and payment methods.
  • Quote and Estimate TemplatesBrowse quote templates and estimate tools for freelance and small business service projects.
  • How to Price Freelance WorkA practical pricing guide for freelancers who need sustainable hourly, project, and retainer rates.
  • Invoice Payment Terms ExplainedPlain-English guide to invoice terms, due dates, deposits, late fees, and collection follow-up timing.
  • About InvoiceKit ToolsAbout the invoice and pricing calculators, assumptions, and editorial standards.
  • Privacy PolicyPrivacy, cookies, advertising, analytics, and local calculator data disclosures.
  • Terms of UseTerms for using InvoiceKit Tools calculators, templates, and informational pages.
  • Editorial PolicyHow InvoiceKit Tools creates, reviews, and updates calculator guidance, templates, and business content.
  • Advertising PolicyAdvertising, affiliate, sponsorship, and ad placement principles for InvoiceKit Tools.
  • ContactContact the site owner with corrections, feature requests, or business questions.