GrowthChief Free Tools
Free Calculators for Running a Small Business (and a Few Big Life Events)
Eight genuinely free calculators — no signup, no email gate, nothing sent to a server. Pick the one you need, get your number, and move on.
Pick a calculator
Airbnb vs Long-Term Rental Calculator
Free Airbnb vs long-term rental calculator. Compare annual net cash flow both ways, the break-even occupancy short-term letting needs, and pay per hour.
Apartment Move-In Cost Calculator
Free apartment move-in cost calculator. Add deposit, first month's rent, fees, movers and setup to see the total cash you need on day one.
BRRRR Calculator
Free BRRRR calculator: enter purchase, rehab, ARV and refinance terms to see cash left in the deal, cash-out at refinance, post-refi cash flow and cash-on-cash return.
Cap Rate Calculator
Free cap rate calculator for rental property. Enter price, rent, vacancy and expenses to get net operating income, cap rate, expense ratio and implied value.
Cash-on-Cash Return Calculator
Free cash-on-cash return calculator for rental property. Enter price, down payment, loan, rent and costs to see annual cash flow and cash-on-cash return.
Contract Day Rate vs Salary Calculator
Free contract day rate vs salary calculator. Price in your pension, benefits, paid leave and self-employed costs to find the day rate that matches.
Craft Fair Profit Calculator
Free craft fair profit calculator. Enter your booth fee, travel and item costs to see how many items you must sell to break even and profit per hour.
Debt Payoff Calculator (Snowball vs Avalanche)
Free debt payoff calculator comparing the snowball and avalanche methods side by side. See months to debt-free and total interest for up to 6 debts.
DSCR Calculator for Rental Property
Free DSCR calculator for rental loans: enter rent, expenses and payment to see your debt service coverage ratio (NOI and PITIA basis) and the maximum loan at a target DSCR.
Etsy Fee & Profit Calculator
Free Etsy fee calculator. Enter your item price, shipping, and costs to see Etsy's listing, transaction and payment fees, plus your true profit.
Freelance Hourly Rate Calculator
Free freelance hourly rate calculator. Enter your income goal, expenses, and realistic billable hours to get the hourly and day rate to charge.
Gross Rent Multiplier Calculator
Free gross rent multiplier calculator: enter price and rent to get the GRM, the implied price from a market GRM, and a cap rate comparison.
Invoice Due Date & Late Fee Calculator
Free invoice due date and late fee calculator. Enter your invoice date, terms, and late fee percentage to get the due date and total owed.
1% Rule Calculator for Rental Property
Free 1% rule calculator for rental property. Enter price, rehab and monthly rent to see if it passes, the rent needed and the maximum price at 1%.
Personal Training Package Pricing Calculator
Free personal training package pricing calculator. Price 5, 10 and 20-session packages that survive revenue share, no-shows, and discounts.
Photography Cost of Doing Business (CODB) Calculator
Free photography cost of doing business calculator. Enter overhead, gear fund, salary and sessions per year to get your minimum session fee.
Photography Package Pricing Calculator
Free photography pricing calculator. Build a package price from base fee, extra edited photos, and add-ons, then see shoots needed to hit your goal.
Print on Demand Profit Calculator
Free print on demand profit calculator. Enter retail price, supplier cost, shipping, fees and ad spend to see your real profit and break-even price.
Real Estate Commission Split Calculator
Free real estate commission split calculator. Model your brokerage split, annual cap, franchise fee and team split to see your real net commission.
Rental Property Cash Flow Calculator
Free rental property cash flow calculator. Enter rent, expenses and loan terms to see monthly and annual cash flow, DSCR and your break-even rent.
Rental Property ROI Calculator
Free rental property ROI calculator: enter price, rent, loan and expenses to see monthly cash flow, cash-on-cash return, cap rate, total ROI and the 1% rule.
Sinking Fund Calculator
Free sinking fund calculator for multiple goals. Work out what to set aside each month or payday for every planned expense, and whether it all fits your budget.
Self-Employed Tax Set-Aside Calculator
Free tax set-aside calculator for freelancers and self-employed workers. Enter your own tax rate to see how much to move to savings per payment and per month.
UGC Rate Calculator
Free UGC rate calculator. Price a brand video from your base rate, then add usage rights, whitelisting, exclusivity, rush and revisions.
Wedding Alcohol Calculator
Free wedding alcohol calculator. Enter guest count and reception hours for exact beer, wine and spirit quantities, your total bar cost and cost per guest.
Wedding Budget Calculator
Free wedding budget calculator. Enter your total budget and guest count to get a suggested spend breakdown across 14 categories, plus cost per guest.
Wedding Vendor Tip Calculator
Free wedding vendor tip calculator. Tip each vendor by percent, flat amount, or per head, then get the total cash to withdraw with a checklist.
Freelance Hourly Rate Calculator
Find the hourly and day rate you need to hit your income goal.
Self-Employed Tax Set-Aside Calculator
See how much of each payment to move into savings for tax time.
Wedding Budget Calculator
Split your total budget across 14 categories and see cost per guest.
Debt Payoff Calculator (Snowball vs Avalanche)
Compare snowball vs avalanche on your real debts — months and interest.
Rental Property ROI Calculator
Cash flow, cap rate, and cash-on-cash return for a rental deal.
Etsy Fee & Profit Calculator
See what Etsy's fees actually take, and your true profit margin.
Photography Package Pricing Calculator
Build a package price and see how many shoots per month you need.
Invoice Due Date & Late Fee Calculator
Get the due date, days overdue, and late fee owed on any invoice.
Free spreadsheet downloads
Real Excel / Google Sheets workbooks you can download right now — no signup, no macros. Each one is a simpler cousin of a paid GrowthChief toolkit.
Free Income & Expense Tracker
200-row transaction log with dropdowns and a Summary tab with all-time and this-month totals.
Free Invoice Template
Printable one-page invoice with automatic due date and totals, plus a 30-row invoice log.
Free Monthly Budget Spreadsheet
20 categories, planned vs actual from a spending log, and a left-to-assign tile.
Free Wedding Budget Spreadsheet
12 categories, a payments log that fills in what you've paid, and a days-to-go counter.
Free Mileage Log Template
200-row trip log with purpose dropdown, reimbursement at your own rate, and monthly totals.
Free Etsy Fee & Profit Sheet
Single-item profit calculator with editable fee rates, plus a 100-row sales log with net per sale.
Free Rental Property Analysis Spreadsheet
One-property deal analyzer: mortgage, NOI, cash flow, cap rate, cash-on-cash, DSCR, 1% rule and GRM.
Guides
Longer reads on the problems these tools solve — how to track what you earn, what to charge, and what to put in a budget before you start spending.
Accounts Receivable Aging Template: How to Build One in Excel or Google Sheets
How to build an accounts receivable aging report in a spreadsheet: the standard aging buckets, the two formulas that drive them, and how to act on it.
Annual Budget Planning for Small Business: How to Build One That Holds Up
Why annual budgets fall apart by March, how to build one from last year's actuals instead of guesses, and the review rhythm that keeps it honest.
Batch Production Planning for Handmade Sellers: Why One-at-a-Time Kills Margins
Why making one item at a time quietly erodes a handmade business's margins, how to size a batch, and budget restock cost before a production run.
Bookkeeping Without Accounting Software: When a Spreadsheet Is Enough
Do you need QuickBooks for a small business? An honest look at when a spreadsheet handles bookkeeping fine, and where dedicated software earns its keep.
How to Budget With Irregular Income
Why a fixed monthly budget breaks on variable income, and the baseline-month method, percentage set-asides, and buffer account that hold up instead.
Cash Flow Forecast Spreadsheet: How to Build One for a Small Business
How to build a rolling 12-month cash flow forecast in a spreadsheet: the exact rows, the formula logic, a runway figure, and how to read it.
Client Profitability Spreadsheet: How to Find Out Which Clients Are Worth Keeping
How to build a client profitability spreadsheet: effective hourly rate, revenue share, and outstanding balance, so you see which clients are worth it.
Content Creator Expense Tracking: Where Brand Deals, Platform Payouts, and Gear Actually Sit
Why brand-deal income, platform payouts, and gifted products all need separate tracking, and where equipment spending tends to disappear.
How to Make a Content Creator Rate Card
What a rate card actually is, the inputs that should drive your numbers instead of follower count alone, and how to negotiate from it with confidence.
Hiring Someone to Build a Custom Excel or Google Sheets Spreadsheet
What it costs to hire someone to build a custom Excel or Google Sheets spreadsheet, what a good brief includes, and what a spreadsheet can't do.
Debt Snowball vs Avalanche: Which Is Better?
Debt snowball vs avalanche, explained honestly with a worked example: avalanche minimizes total interest, snowball wins on motivation. Not financial advice.
Etsy Bookkeeping for Taxes: The Records You Actually Need at Year End
The records an Etsy seller needs at year end — fees, shipping, sales by month — and how to reconcile them against Etsy's own CSV exports.
Etsy Order Tracker Spreadsheet: The Pipeline From Sale to Shipped, Plus Low-Stock Reorder Points
What to log from sale to shipped, the formula that flags low stock before you're mid-order, and why Etsy's own dashboard can't do either for you.
Etsy Shop Bookkeeping: A 30-Minute Monthly Routine
A repeatable monthly Etsy bookkeeping routine for a spreadsheet: which three files to download, how to record fees separately, and reconcile deposits.
The Free Etsy Fee & Profit Spreadsheet, No Signup Required
Download a free Etsy fee & profit spreadsheet, no signup required. Editable listing, transaction, processing and Offsite Ads fee rates. Excel & Google Sheets.
The Free Income & Expense Tracker Spreadsheet, No Signup Required
Download a free income and expense tracker spreadsheet, no signup required. Works in Excel and Google Sheets, with a Summary tab that totals itself.
The Free Invoice Template for Excel & Google Sheets, No Signup Required
Download a free invoice template for Excel and Google Sheets, no signup required. Auto-calculating totals, a due date, and a simple invoice log.
The Free Mileage Log Template, No Signup Required
Download a free mileage log template, no signup required. Works in Excel and Google Sheets, with a Summary tab that totals distance and reimbursement for you.
The Free Monthly Budget Spreadsheet Template, No Signup Required
Download a free monthly budget spreadsheet template, no signup required. Works in Excel and Google Sheets, with a Spending Log that fills in Actual for you.
Free Rental Property Analysis Spreadsheet, No Signup Required
Download a free rental property analysis spreadsheet, no signup: mortgage, NOI, cash flow, cap rate, cash-on-cash, DSCR, 1% rule and GRM. Excel and Google Sheets.
The Free Wedding Budget Spreadsheet, No Signup Required
Download a free wedding budget spreadsheet, no signup required. Works in Excel and Google Sheets, with 12 categories and a Payments log that totals itself.
The Invoice Tracker Spreadsheet Freelancers Actually Keep Using
Why invoices slip through the cracks, what to log on every line, and the sent/paid/overdue discipline that makes an invoice tracker worth keeping.
Freelance Payment Terms That Get You Paid
The payment terms that actually get freelance invoices paid: deposits, Net 30 vs Due on Receipt, late fee wording, and a day-by-day chasing ladder.
Freelance Tax Prep Spreadsheet: Income by Client, Deductions, and a Set-Aside Log
Build a year-end freelance tax-prep spreadsheet: income by client, generic deductible categories, and a set-aside log — organized records for your accountant.
Google Sheets vs Excel for Small Business Bookkeeping
A practical, balanced comparison of Google Sheets and Excel for small business bookkeeping, and how to pick the right one for your workflow.
How to Track Materials and Inventory for a Handmade Business
A practical spreadsheet system for handmade business inventory tracking: materials list, cost per unit, bill of materials, and reorder points.
How to Hire Someone to Build an Excel or Google Sheets Spreadsheet
Where to look, what to put in your brief, realistic turnaround, and red flags to avoid when hiring someone to build an Excel or Sheets spreadsheet.
How Much Should Freelancers Set Aside for Taxes?
Not a tax rate — a habit. How to build a per-payment tax set-aside system as a freelancer: separate account, percentage discipline, and a quarterly rhythm.
How to Price a Freelance Project: Flat Fee vs Hourly
A repeatable method for turning a scope of work into a quote: when to bill hourly, when to go flat fee, and a worked example with every number shown.
How to Price Handmade Products on Etsy So You Actually Make a Profit
A pricing formula for handmade Etsy sellers that covers materials, labour, overhead and fees, with a full worked example and wholesale price points.
How to Price Personal Training Packages So the Discount Still Pays
Per-session vs package pricing, how to build a discount ladder that still pays, and why Sessions Remaining should drive your renewal timing.
How to Price Photography Packages
How to build photography package pricing from your cost-of-doing-business floor, structure base fee plus add-ons, and check profit per shoot.
How to Track Brand Deal and UGC Income as a Creator
A brand deal tracker spreadsheet system for creators: the seven-stage deal pipeline, the columns that matter, and a monthly review of what you earned.
How to Track Freelance Income and Expenses (Without Accounting Software)
A concrete spreadsheet system for tracking freelance income and expenses: the exact columns to use, a category list, and a 15-minute weekly routine.
How to Track Real Estate Commissions
Why gross commission isn't your income, how to track deals by pipeline status without inflating your numbers, and a review of your actual year.
How Content Creators Track Income Across Platforms in a Spreadsheet
How to build a creator income tracker that covers every platform, not just brand deals: what columns to log and what to keep for tax time.
The Invoice Tracker Spreadsheet Template Any Small Business Needs
What any small business invoice tracker needs: columns, statuses, aging, and the routine that stops unpaid invoices from getting quietly forgotten.
Building a KPI Dashboard for Your Small Business in Google Sheets
Which KPIs a small business dashboard should show, why each one matters, and how a Google Sheets dashboard can calculate them automatically.
Mileage Tracking for Real Estate Agents: The Log That Actually Works
Why real estate agents lose deductible miles, the columns a usable driving log needs, and how to build a habit that survives a busy showing week.
How to Build a Monthly Budget Spreadsheet That Survives Past January
Zero-based vs percentage budgets, what to actually track, and the monthly review that keeps a budget spreadsheet honest instead of abandoned by March.
Moving Box Inventory System: How to Number, Log, and Find Anything
How to build a moving box inventory system that works: sequential numbering, what to log per box, priority flags, and finding anything on move-in day.
Moving Checklist & Budget Spreadsheet: Timeline, Costs, Box Inventory
How to build a moving checklist spreadsheet: a weeks-before-move timeline, budget categories with estimated vs. actual columns, and box inventory.
Personal Trainer Client Tracking Spreadsheet: Sessions, Packages and Payments
How a personal trainer tracks clients, sessions, packages and payments in a spreadsheet, with a routine that takes 20 minutes a week.
Personal Training Package Tracker: Catching Session Drift Before It Costs You a Renewal
Why session counts drift, how a self-calculating Sessions Remaining column catches it, and the flags that keep packages from running negative.
How to Track Photography Bookings and Deposits Without Losing Money
The inquiry-to-completed pipeline, deposits vs balance due, and the exact spots where photographers leak money on shoots they already booked.
The Business Side of Photography: Tracking Bookings, Deposits and Income
A practical system for photography income and expense tracking: a booking pipeline, retainer terms, profit per shoot, and a weekly routine.
Photography Business Expense Tracker: Gear, Consumables, Per-Shoot Costs, and Mileage
Gear vs consumables, per-shoot costs, mileage, and subscriptions — how to categorize a photography business's expenses without one bloated catch-all.
The Profit and Loss Template Small Business Owners Actually Need
What a simple profit and loss template needs, how a P&L differs from a cash flow forecast, and a worked example small business owners can follow.
Real Estate Agent Expense Categories: A Checklist for What You Actually Spend On
A category checklist for what real estate agents actually spend on, and why sorting expenses monthly beats reconstructing them at year end.
Real Estate Agent Expense Tracker Spreadsheet: Commissions, Splits and Mileage
How a real estate agent tracks commissions, brokerage splits, business expenses and mileage in a spreadsheet, with clean records for 1099 season.
Rental Income & Expense Spreadsheet: Getting Income Right and Building a Per-Unit P&L
How to log rental income correctly and build a per-unit profit and loss view, kept separate from the expense, tenant, and maintenance logs covered elsewhere.
Rental Property Expense Tracker Spreadsheet: Rent, Tenants and Maintenance
How a small landlord tracks rent, expenses, tenants, leases and maintenance in a spreadsheet, with a monthly routine that takes 20 minutes.
Rental Property Maintenance Log Spreadsheet: What to Log, and Why Undocumented Repairs Cost Money
What to log for every repair, why undocumented maintenance costs landlords money, and the Open-vs-Completed spend split that keeps a repair budget honest.
Small Business Scenario Planning Spreadsheet
How to build a best/base/worst case scenario plan for a small business, which drivers matter, and how the numbers change hiring and pricing calls.
The Self-Employed Bookkeeping Spreadsheet System That Actually Works
What a self-employed person actually needs to track, the month-end routine that keeps it accurate, and what the Freelancer Finance Toolkit includes.
The Small Business Expense Tracker Spreadsheet, Set Up Right
The columns, category list, and monthly routine a small business expense tracker spreadsheet actually needs — plus where receipts fit into the system.
Small Business Spreadsheet Bundle: What a Complete Set Should Include
What a complete small-business spreadsheet set needs: bookkeeping, invoicing, budgeting and pricing, plus the real math on templates vs. a bundle.
Tenant and Lease Tracking Spreadsheet: What to Track, and How to Catch a Lease Expiration Early
What to track for every tenant, the formula that turns a lease-end date into an early warning, and how to build a rent roll without a notes app.
The True Cost of a Handmade Product: A Full Calculator Guide
How to calculate the true cost of a handmade product: materials, packaging, labour, overhead and waste, with a full worked example to copy.
Wedding Budget Checklist: Every Cost Line, Grouped by Planning Phase
A phase-by-phase wedding budget checklist — what gets decided and paid in each planning window, plus the costs couples forget to line up for.
How to Build a Wedding Guest List and RSVP Tracker
Build one wedding guest list and RSVP tracker spreadsheet that handles invites, replies, meal choices, dietary needs and table assignments.
12-Month Wedding Planning Timeline: What to Do and When
A 12-month wedding planning timeline broken into real phases, what belongs at 12+ months out, and why a dated timeline beats a plain to-do list.
Wedding Seating Chart Spreadsheet: How to Build the Table Plan
How to build a wedding seating chart spreadsheet that holds up: guest list first, RSVP status before assignments, and table capacities set right.
Wedding Vendor Tracking Spreadsheet: What to Log and Why
Comparing quotes, deposits vs. balance due, payment deadlines, and contact wrangling — how to build a wedding vendor tracking spreadsheet that stops surprises.
What to Include in a Wedding Budget Spreadsheet
Every category, column, and hidden line item a wedding budget spreadsheet needs, plus how to build a payment timeline and a real contingency.
Wholesale vs Retail Pricing for Handmade Sellers
Wholesale vs retail pricing for handmade sellers: what the 2x and 2.2x rules of thumb actually mean, a worked example, and where they quietly fail.
Why these tools are free
GrowthChief makes plug-and-play spreadsheet toolkits — Excel and Google Sheets workbooks for freelancers, Etsy sellers, landlords, photographers, and a few other small-business niches. These calculators are free, standalone versions of the same math that runs inside those spreadsheets, built so anyone can get a fast, useful answer without buying anything.
Every calculator here runs entirely in your browser — nothing you type is sent to a server, saved, or tracked. If a calculator's math turns out to be useful enough that you want to track it over time instead of recalculating it every time, that's what the paid toolkits are for: each tool page links to the specific toolkit built for that job.
None of this is financial, legal, or tax advice — see the full disclaimer in the footer of every page.
Looking for the full spreadsheet toolkits?
GrowthChief sells ready-to-use Excel/Google Sheets toolkits for freelancers, Etsy sellers, landlords, wedding planning, debt payoff, and more — each one pairs with a calculator on this site.
Need something custom?
Need a spreadsheet built around your exact business instead? We build custom workbooks to order — $99, delivered in 5 business days.