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 what each strategy pays per hour of your time.
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, what's refundable, and whether your savings cover it.
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 truly matches your salary.
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 your real profit per hour.
Debt Payoff Calculator (Snowball vs Avalanche)
Free debt payoff calculator comparing the snowball and avalanche methods side by side. Enter up to 6 debts and an extra payment to see months to debt-free and total interest.
Etsy Fee & Profit Calculator
Free Etsy fee calculator. Enter your item price, shipping, and costs to see Etsy's listing, transaction, and payment processing fees, plus your true profit and margin.
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 you actually need to charge.
Invoice Due Date & Late Fee Calculator
Free invoice due date and late fee calculator. Enter your invoice date, payment terms, and late fee percentage to get the due date, days overdue, and total owed.
Personal Training Package Pricing Calculator
Free personal training package pricing calculator. Price 5, 10 and 20-session packages that survive the gym's revenue share, no-shows, discounts and your tax set-aside.
Photography Cost of Doing Business (CODB) Calculator
Free photography cost of doing business calculator. Enter your overhead, gear fund, salary, tax set-aside, and sessions per year to get the minimum session fee that actually pays you.
Photography Package Pricing Calculator
Free photography pricing calculator. Build a package price from base fee, extra edited photos, and add-ons, then see how many shoots per month you need to hit your income goal.
Print on Demand Profit Calculator
Free print on demand profit calculator. Enter your retail price, supplier base cost, POD shipping, marketplace fees, discounts and ad spend to see your true profit per sale, break-even price, and the price you need for your target margin.
Real Estate Commission Split Calculator
Free real estate commission split calculator. Model your brokerage split, annual cap, franchise fee, transaction/E&O fee, referral and team split to see your real net commission on a deal.
Rental Property ROI Calculator
Free rental property ROI calculator. Enter purchase price, deposit, rent, and costs to get monthly cash flow, cap rate, and cash-on-cash return.
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, paid-ads whitelisting, exclusivity, rush and revisions to get a quote you can defend.
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 %, flat amount, or per head, then get the total cash to withdraw and a printable envelope 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.
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.