HustleNumbers

Free calculators for freelancers, sellers & solopreneurs

Set rates, check fees, and plan cash flow in your browser. No sign-up, nothing uploaded.

  • No sign-up
  • Nothing uploaded
  • 49 free tools
  • Runs in your browser

Jump straight to a calculator, or scroll the categories below.

How to choose a calculator

Start with the decision in front of you. Pricing and capacity tools help you set an hourly, day, project, or retainer number before you quote. Seller tools estimate what eBay, Etsy, Mercari, Amazon referral, or card processors take from a sale.

Finance planners cover emergency cash, debt payoff, budgets, and FIRE-style targets. Generators build invoices, quotes, and rate cards in the browser for print-to-PDF. Prefer Guides for search-style explainers, then open the matching tool. Tax calculators stay out of this public directory until CPA/EA review. Estimates only; see the disclaimer.

Pricing & Productivity

Set rates, price projects, and measure where your time goes.

Profit Margin & Markup CalculatorConvert between cost, price, margin and markup. Hourly Rate CalculatorBack into an hourly rate from a target income. Billable Hours CalculatorUtilization, billable hours and effective rate. Meeting Cost CalculatorThe loaded cost of a meeting by attendees and time. Day Rate CalculatorTurn a target income into a sustainable day rate. Agency Markup CalculatorMarkup on subcontracted or pass-through work. Scope Creep CalculatorCost of unbilled extra work against a fixed fee. Project Pricing CalculatorPrice a fixed-scope project from hours and rate. Cost-Plus Pricing CalculatorBuild a price up from costs plus a target margin. Retainer Pricing CalculatorPrice a monthly retainer from committed hours. Value-Based Pricing CalculatorAnchor price to the value delivered, not hours. Raise Your Rate CalculatorSee the income impact of a rate increase. Payment Terms Cash Flow CalculatorCash-flow and discount cost of net terms (e.g. 2/10 net 30). Time to Money CalculatorHow long invoiced work takes to become cash. Consulting Fee CalculatorCost build-up plus the 3x-rule heuristic for fees. Late Fee CalculatorLate fees and interest on overdue invoices. Capacity PlannerHow much billable work your available hours support.

Personal Finance

Budgeting, runway, debt payoff and savings for variable income.

Debt Payoff CalculatorSnowball vs avalanche payoff time and interest. Emergency Fund CalculatorMonths of runway your savings cover. Business Runway CalculatorHow long cash lasts at your burn rate. Net Worth CalculatorAssets minus liabilities at a glance. Savings Goal CalculatorMonthly contribution needed to hit a goal. Sinking Funds PlannerSet aside monthly for known future expenses. 50/30/20 Budget CalculatorSplit income across needs, wants and savings. FIRE CalculatorFIRE number, timeline, Coast & Barista FIRE in today's dollars. Irregular Income Budget PlannerBudget from a baseline percentile of variable income. Income Smoothing CalculatorEven out a steady monthly draw from lumpy income.

Marketplace Fees

See real take-home after marketplace and processor fees.

Payment Processor ComparisonStripe vs PayPal vs Square net after fees. eBay Fee CalculatoreBay final-value and per-order fees on a sale. Amazon Referral Fee CalculatorAmazon referral fee by category (FBA excluded). Etsy Fee CalculatorEtsy fees, Offsite Ads, Share & Save, and take-home — US plus regulatory countries. Mercari Fee CalculatorMercari selling fee and net payout. Marketplace Fee ComparisonCompare net take-home across marketplaces.

Shipping & Travel

Flat-rate shipping prices and government per-diem rates.

USPS Priority Mail Flat Rate PricesPublished USPS flat-rate envelope and box prices. GSA Per Diem CalculatorCONUS lodging + M&IE by ZIP or city. FY2026 seasonal rates, 75% travel days.

Generators

Create invoices, proposals and rate cards in your browser.

Invoice GeneratorBuild and print a line-item invoice in your browser. Quote / Proposal GeneratorBuild a quote or proposal with deposit math. Rate Card GeneratorCreate a shareable rate card.