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 PDF invoice in seconds. Free, no signup, nothing stored.
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VAT Calculator
Add or remove UK VAT at 20%, 5% or 0%. Instant, free, no signup.
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Dividend vs Salary Calculator
Find the most tax-efficient split of salary and dividends for a UK limited company director.
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IR35 Take-Home Calculator
Compare inside vs outside IR35 take-home pay for UK contractors.
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Day Rate & Contractor Take-Home Calculator
Turn a day rate into annual take-home pay, limited vs umbrella.
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Employer's NI Calculator
Work out employer's National Insurance on a salary.
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Mileage Claim Calculator
Calculate your HMRC-approved mileage allowance (AMAP).
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.