HustleNumbers

All tools

Every live HustleNumbers calculator, grouped by category. All run in your browser: no sign-up, nothing uploaded.

How to pick a category

Pricing is for rates, utilization, project and retainer math, and cash tied up in payment terms. Finance is for personal and business cash buffers, debt schedules, and long-term targets. Seller compares marketplace and card-processor take-home. Shipping covers published USPS Flat Rate and GSA M&IE lookups. Generators format documents you can print to PDF locally.

Use the filter for a keyword (for example “Etsy” or “retainer”), or scroll by silo. Open a tool, run the numbers, then expand the on-page guide if you want the longer explanation. For narrative explainers that lead into a calculator, see Guides.

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 CalculatorFinancial-independence target and timeline. 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 listing, transaction and processing fees. 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 M&IE Per Diem CalculatorGovernment meals & incidentals per-diem breakdown.

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.