Free Invoice Generator & Business Calculators

Yes. Every tool on this page is free, with no account, no sign-up, and no usage limit. There's no premium tier hiding behind it — what you see is the whole product.

No account of any kind. There's no login, no email capture, and nothing to set up — open the page and every tool, including the invoice generator, is ready to use immediately.

Yes. The whole page, including the invoice builder and every calculator, is built to work on a phone screen.

Any modern browser — Chrome, Safari, Firefox, Edge, and their mobile equivalents. It uses standard JavaScript and CSS with no plugins, so there's nothing extra to install.

Once the page has loaded, every calculation runs locally in your browser. You'd only need a connection again to reload the page or fetch its fonts, so it works fine on flaky Wi-Fi.

Not currently. Ledgerly is a browser-based page you interact with directly; there's no API endpoint for scripting these calculations elsewhere.

The set here covers the core calculations most small businesses and freelancers reach for — invoicing, margin, ROI, break-even, loans, rates, and startup costs. More may be added over time.

No. Everything runs in your browser using JavaScript. Nothing you type — client names, prices, or invoice totals — is sent to a server, logged, or saved.

No. Nothing is saved between visits, by design. Print or save your invoice as a PDF before you close or refresh the page if you want to keep it.

Since processing happens entirely on your device and nothing is transmitted, entering real figures is no riskier than typing them into a local spreadsheet.

No cookies are needed to run the tools, since there's no account or saved state — the page behaves identically for every visitor.

The initial page load fetches the HTML, CSS, and web fonts. After that, every tool runs from code already sitting in your browser — no further requests are made as you type or click.

No one but you sees it unless you print, download, or copy it yourself and send it on.

Fill in your business details, your client's details, add one or more line items with quantity and price, set any discount or tax, and the total updates automatically as you go.

Yes. Use "Add item" to add a row, and the × button on any row to remove it.

Use "Print / Save as PDF" — your browser's print dialog lets you choose "Save as PDF" as the destination instead of printing to paper.

Yes. Subtotal, discount, tax, and the total due all recalculate the moment you change any field or line item.

Yes. The discount is applied to the subtotal first, and tax is then calculated on the discounted amount, which matches how most businesses invoice.

Any format you use consistently works well — many businesses use something like INV-0001 and increment it for each new invoice they send.

Not a saved template, since nothing persists between visits. Keep a copy of a downloaded PDF as your own reference, or re-enter the recurring details each time.

The invoice still calculates correctly. The due date field is only there for display and for your client's reference.

Margin is profit as a percentage of the selling price. Markup is profit as a percentage of the cost. The same dollar profit gives a lower margin percentage than markup percentage.

Enter your cost and selling price in the "Know your margin" section and the tool shows profit, gross margin percentage, and markup percentage together.

It varies widely by industry — retail often runs 20-50%, while services and software can run much higher. Compare against others in your specific industry rather than a universal benchmark.

Use the "Price for a target margin" section: enter your cost and the margin percentage you want, and it works out the selling price you'd need.

Margin is profit divided by selling price, so it mathematically can't reach or exceed 100% — that would mean the item cost nothing at all to provide.

No, this is a simple cost-vs-price calculation. Subtract any transaction fees or taxes from your price first if you want a fee-adjusted margin.

No. Gross margin only accounts for the direct cost of the item. Net margin also subtracts overhead like rent, salaries, and marketing.

ROI is your net profit — final value minus initial investment — divided by the initial investment, shown as a percentage.

It converts your return into what it would be if it had happened over exactly one year, so you can compare investments held for different lengths of time.

Yes. It works for any investment where you know the amount put in and the value or profit it returned — stocks, equipment, a marketing campaign, or a whole business.

Enter a final value lower than your initial investment. ROI will show as negative, which is expected and correct.

No, this is a simple ROI calculation. For time-adjusted comparisons, look at metrics like IRR or NPV, which this calculator doesn't cover.

This appears when a loss is large enough (100% or more) that annualizing it isn't mathematically meaningful — double-check your final value figure.

It's the number of units you need to sell for your revenue to exactly cover your costs, before you start making a profit.

Fixed costs stay the same regardless of sales volume, like rent or salaries. Variable costs change with each unit sold, like materials or packaging.

It's the amount each unit contributes toward covering fixed costs after its own variable cost is paid — break-even is built directly on this figure.

Your price per unit must be higher than your variable cost per unit, or every sale loses money and there's no break-even point at all.

No, this is a pre-tax break-even calculation based on the price and costs you enter.

Increase your price, reduce your variable cost per unit, or reduce your fixed costs — any of the three lowers the number of units you need to sell.

The discount is subtracted from the original price first, and tax is then calculated on the discounted amount.

Yes. Leave the discount field at 0% and it works purely as a sales tax calculator.

No, this calculator adds tax on top of the price you enter — it doesn't back a tax amount out of a total that already includes tax.

Enter a single combined discount percentage; the calculator applies one discount rate at a time.

Check your local or state tax authority for the correct sales tax rate — this tool doesn't look up rates automatically.

This happens when the tax percentage is larger than the discount percentage, so the tax added back exceeds what the discount removed.

It uses the standard loan amortization formula, based on your loan amount, annual interest rate, and term in months, assuming equal monthly payments.

It's the sum of every interest portion across all your payments — total payments made minus the original loan amount.

Yes, the amortization math is the same for any fixed-rate, fixed-term loan, whether it's for a business or personal.

The calculator switches to a simple division of the loan amount across the term, with no interest added.

No, it calculates payments only on the principal and interest rate you enter. Add any fees to your loan amount first if you want them included.

Enter your annual interest rate — the calculator converts it to a monthly rate internally.

Spreading the same loan over more months lowers each payment, but you're paying interest for longer, so the total interest paid goes up.

It adds your desired income and business expenses, adjusts for your target profit margin, then divides by your billable hours per year to reach a rate.

Software subscriptions, equipment, insurance, marketing, a portion of your workspace cost — anything you spend to run the business, separate from your personal income.

Most freelancers spend real time on admin, marketing, and finding clients. A lower billable-hours number gives a more realistic rate than assuming every working hour is billed.

It's optional — leave it at 0% to price purely for income and expenses, or set a margin to build in a cushion above break-even for your business.

It's a starting baseline. You can still adjust individual project rates for scope, urgency, or a client's budget.

No. Add your expected tax burden into "desired annual income" or "business expenses" if you want the rate to cover it.

Subtract planned vacation, holidays, and any unpaid time off from 52 — most freelancers land somewhere between 44 and 50 working weeks.

One-time costs are paid once to get started, like equipment or licenses. Recurring costs repeat every month, like rent or software subscriptions.

Equipment, initial inventory, legal and registration fees, branding and website setup, and any deposits you pay once.

Rent, salaries, utilities, ongoing software, insurance premiums, and recurring marketing spend.

It's your one-time costs plus six months of recurring costs — a common rule-of-thumb estimate for how much cash to have before launch.

Yes. Add as many rows as you need in either list — split a category into more detail if that's useful to you.

No, it estimates what you'll spend, not what you'll earn. Pair it with your own sales forecast to see when you'll be profitable.

This usually means a required field is empty, or a value would require dividing by zero, like a break-even calculation where price equals variable cost.

"Save as PDF" is usually a destination inside your browser's normal print dialog rather than a separate button — check the destination or printer dropdown there.

Yes. Each tool keeps its own inputs while you're on the page, so switching tabs and coming back won't clear them. Reloading the page will, since nothing is saved.

Use the currency selector above the tools — every calculator's output updates to the new symbol immediately.

Currency figures are rounded to two decimal places and percentages to one decimal place for readability. The underlying calculation still uses your exact entered values.

A common flow is Startup Costs to size the investment, Break-Even to find the volume you need, Profit Margin to set your price, and the Invoice Generator once you're ready to bill it.