7 calculators · 9 templates · 2 software guides
Free tools that run your small business by the numbers
BizToolDesk gives you accurate payroll, tax, margin, and loan calculators, professional templates you can download in one click, and straight-talking software reviews. No account. No paywall.
Quick margin check
LiveProfit margin
36.0%
No account
Every tool is free to use, with no signup and no paywall.
Private by design
Calculators and templates run in your browser. The numbers you type never reach our servers.
Checked formulas
Built from published formulas and official 2026 rate tables, with tests against worked examples.
Featured tools
No.01 · Featured calculator
Payroll Calculator
Free 2026 payroll calculator: federal withholding (Pub 15-T), Social Security, Medicare, all 50 states + DC, 401(k) and health deductions, plus employer cost.
Open the calculatorDefault example
$60,000 salary · paid biweekly · single · Texas
- No.08Word · PDF · PrintFree Invoice TemplateFill in a professional invoice online and download it as Word or PDF, or print it. Free, no signup. Includes payment terms, tax, discounts and a live preview.
- No.02CalculatorProfit Margin CalculatorCalculate profit margin, gross profit, and markup instantly. Or work backwards to find the selling price or maximum cost for a target margin.
- No.04CalculatorSelf-Employment Tax Calculator (2026)Estimate 2026 self-employment tax (Social Security and Medicare), the half-SE deduction, federal income tax, and quarterly estimated payments from net profit.
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Free Business Calculators
Free online calculators for payroll, profit margin, markup, self-employment tax, loans, and more. Instant results, no signup.
View all- No.01
Payroll Calculator
Free 2026 payroll calculator: federal withholding (Pub 15-T), Social Security, Medicare, all 50 states + DC, 401(k) and health deductions, plus employer cost.Calculator - No.02
Profit Margin Calculator
Calculate profit margin, gross profit, and markup instantly. Or work backwards to find the selling price or maximum cost for a target margin.Calculator - No.03
Markup Calculator
Calculate selling price from cost and markup, find your markup percentage from cost and price, or work back to a maximum cost. With a markup-to-margin table.Calculator - No.04
Self-Employment Tax Calculator (2026)
Estimate 2026 self-employment tax (Social Security and Medicare), the half-SE deduction, federal income tax, and quarterly estimated payments from net profit.Calculator - No.05
Hourly to Salary Calculator
Convert an hourly rate to an annual salary or a salary back to hourly. See weekly, biweekly, semimonthly, and monthly pay, with overtime and unpaid weeks.Calculator - No.06
Business Loan Calculator
Calculate a business loan payment (monthly or weekly), total interest, effective APR with origination fees, and payoff date, with a full amortization schedule.Calculator - No.07
SBA Loan Calculator
Estimate SBA 7(a), 504, Express, and Microloan payments with current maximum rates (Prime 7.00%), the FY2027 guarantee fee, total interest, and effective APR.Calculator
Free Business Templates
Download free invoice, receipt, estimate, purchase order, balance sheet, timesheet, and expense tracker templates as Word, Excel, or PDF.
View all- No.08
Free Invoice Template
Fill in a professional invoice online and download it as Word or PDF, or print it. Free, no signup. Includes payment terms, tax, discounts and a live preview.Word · PDF · Print - No.09
Receipt Template
Create a professional payment receipt online and download it as Word or PDF, or print it. Free template for cash, deposit, rent and sales receipts.Word · PDF · Print - No.10
Estimate Template
Build a professional job estimate online and download it as Word or PDF, or print it. Free template with line items, tax, validity date and terms.Word · PDF · Print - No.11
Quote Template
Create a professional price quote online and download it as Word or PDF, or print it. Free quotation template with validity date, terms, tax and a live preview.Word · PDF · Print - No.12
Purchase Order Template
Create a purchase order online and download it as Word or PDF, or print it. Free PO template with vendor, ship-to, delivery date, line items, tax and terms.Word · PDF · Print - No.13
Balance Sheet Template
Free balance sheet template for small businesses. Edit it online, check that assets equal liabilities plus equity, and download to Excel with live formulas.XLSX · CSV - No.14
Timesheet Template
Free weekly and biweekly timesheet template. Enter clock-in, clock-out, and breaks to get total hours, overtime, and gross pay, then download to Excel or CSV.XLSX · CSV - No.15
Profit and Loss Template
Free profit and loss template for small businesses. Monthly or annual columns, gross and net margins computed live, and an Excel download with working formulas.XLSX · CSV - No.16
Expense Tracker Template
Free business expense tracker with IRS Schedule C categories, receipt tracking, monthly budgets, and category totals. Download to Excel with SUMIF formulas or CSV.XLSX · CSV
Software reviews and comparisons
Independent comparisons of accounting and invoicing software, based on published prices, plan limits and features.
View all- Accounting software
Best Accounting Software for Small Business in 2026
QuickBooks Online, Xero, FreshBooks, Wave, Zoho Books and Sage 50 compared on 2026 pricing, limits and fit, with a decision guide by business type.
Read the guide - Invoicing software
Best Free Invoicing Software in 2026
Wave, Zoho Invoice, Invoice Ninja, PayPal, Square and more: what each free tier includes, the catch, and what 20 card-paid invoices a month cost in fees on each.
Read the guide