# ClearCut.tools

> 92 free business calculators and AI-powered tools for freelancers, sole traders, and small business owners. No sign-up required for most tools.

## About

ClearCut.tools provides 92 free online calculators and AI tools across 13 categories: finance, tax, pricing, invoicing, HR, writing, legal, health and safety, property, ecommerce, strategy, social media, and productivity. All calculations are verified against official sources (HMRC, Bank of England, Working Time Regulations 1998). Built by the ClearCut team.

## Tools Available

### Finance
- [Freelance Rate Calculator](https://clearcut.tools/tools/freelance-rate-calculator) - Hourly, day, and project rate based on target income and billable days
- [VAT Calculator](https://clearcut.tools/tools/vat-calculator) - Add or remove VAT at any rate (UK 20%, EU 5-27%, custom)
- [Profit Margin Calculator](https://clearcut.tools/tools/profit-margin-calculator) - Gross, operating, and net profit margins with markup comparison
- [Break-Even Calculator](https://clearcut.tools/tools/break-even-calculator) - Break-even point in units and revenue, contribution margin
- [Business Loan Calculator](https://clearcut.tools/tools/business-loan-calculator) - Monthly repayments and amortisation for any business loan
- [ROI Calculator](https://clearcut.tools/tools/roi-calculator) - Return on investment, annualised ROI, payback period
- [Currency Converter](https://clearcut.tools/tools/currency-converter) - Live exchange rates for major currencies
- [Cash Flow Forecast](https://clearcut.tools/tools/cash-flow-forecast) - 6-month rolling cash flow projection with shortfall alerts
- [Markup vs Margin Calculator](https://clearcut.tools/tools/markup-margin-calculator) - Difference between markup and margin with conversion
- [Compound Interest Calculator](https://clearcut.tools/tools/compound-interest-calculator) - Compound interest over time with frequency options
- [Discount Calculator](https://clearcut.tools/tools/discount-calculator) - Final price, savings amount, and reverse discount
- [Percentage Calculator](https://clearcut.tools/tools/percentage-calculator) - Percentage of, percentage change, and percentage difference
- [Tip Calculator](https://clearcut.tools/tools/tip-calculator) - Split bills and calculate tips per person
- [Savings Goal Calculator](https://clearcut.tools/tools/savings-goal-calculator) - Monthly savings needed to reach a goal by a target date
- [Investment Profit Calculator](https://clearcut.tools/tools/investment-profit-calculator) - Profit, ROI, and annualised return on any investment
- [Debt Payoff Calculator](https://clearcut.tools/tools/debt-payoff-calculator) - Avalanche vs snowball payoff timelines
- [Amortization Calculator](https://clearcut.tools/tools/amortization-calculator) - Full amortization schedule for any loan
- [MRR Calculator](https://clearcut.tools/tools/mrr-calculator) - Monthly recurring revenue, ARR, and churn impact
- [CAC Calculator](https://clearcut.tools/tools/cac-calculator) - Customer acquisition cost with payback period
- [LTV Calculator](https://clearcut.tools/tools/ltv-calculator) - Customer lifetime value and LTV:CAC ratio
- [Startup Runway Calculator](https://clearcut.tools/tools/startup-runway-calculator) - Months of runway based on burn rate and cash balance

### Tax
- [Self-Employed Tax Calculator](https://clearcut.tools/tools/self-employed-tax-calculator) - UK 2024/25 Income Tax and National Insurance estimates for sole traders
- [Pension Calculator (UK)](https://clearcut.tools/tools/pension-calculator) - UK pension contributions, employer matching, and projected pot
- [Dividend Tax Calculator (UK)](https://clearcut.tools/tools/dividend-tax-calculator) - UK dividend tax across basic, higher, and additional rate bands
- [IR35 Assessment Tool](https://clearcut.tools/tools/ir35-assessment) - IR35 inside/outside determination for UK contractors
- [Sales Tax Calculator](https://clearcut.tools/tools/sales-tax-calculator) - US state sales tax rates, add or remove tax
- [1099 Tax Estimator](https://clearcut.tools/tools/1099-tax-estimator) - US self-employment tax and federal income tax for 1099 contractors
- [Payslip Calculator](https://clearcut.tools/tools/payslip-calculator) - UK payslip breakdown with PAYE, NI, and pension deductions

### Pricing
- [Pricing Strategy Calculator](https://clearcut.tools/tools/pricing-strategy-calculator) - Cost-plus, value-based, and competitive pricing with margin targets

### Invoicing
- [Invoice Generator](https://clearcut.tools/tools/invoice-generator) - Create and print professional invoices as PDF, with VAT support
- [Expense Tracker & P&L Calculator](https://clearcut.tools/tools/expense-tracker) - Track expenses, categorise spending, and view profit and loss
- [Expense Categoriser](https://clearcut.tools/tools/expense-categoriser) - AI-powered business expense categorisation
- [Invoice Email Generator](https://clearcut.tools/tools/invoice-email-generator) - Professional invoice chasing emails for any stage
- [Pay Stub Generator](https://clearcut.tools/tools/pay-stub-generator) - US pay stub with federal/state tax breakdowns

### HR
- [Salary to Hourly Calculator](https://clearcut.tools/tools/salary-to-hourly) - Convert annual salary to hourly, daily, and weekly rates
- [Hourly to Salary Calculator](https://clearcut.tools/tools/hourly-to-salary) - Convert hourly rate to annual salary equivalent
- [Timesheet Calculator](https://clearcut.tools/tools/timesheet-calculator) - Weekly hours, overtime, and total pay from timesheet entries
- [Age Calculator](https://clearcut.tools/tools/age-calculator) - Exact age in years, months, and days
- [BMI Calculator](https://clearcut.tools/tools/bmi-calculator) - Body mass index with healthy weight range
- [GPA Calculator](https://clearcut.tools/tools/gpa-calculator) - GPA from course grades and credit hours

### Writing (AI)
- [Business Name Generator](https://clearcut.tools/tools/business-name-generator) - AI-generated business name ideas with taglines and domain suggestions
- [AI Business Plan Generator](https://clearcut.tools/tools/business-plan-generator) - Full AI-written business plan with market, financials, and strategy
- [Elevator Pitch Generator](https://clearcut.tools/tools/elevator-pitch-generator) - AI elevator pitches tailored to audience and industry
- [Blog Title Generator](https://clearcut.tools/tools/blog-title-generator) - AI blog title ideas optimised for SEO and click-through
- [Proposal Generator](https://clearcut.tools/tools/proposal-generator) - AI client proposals with scope, pricing, and terms
- [Email Signature Generator](https://clearcut.tools/tools/email-signature-generator) - Professional HTML email signatures
- [Word Counter](https://clearcut.tools/tools/word-counter) - Word, character, sentence, and reading time count

### Legal (AI)
- [Contract Clause Generator](https://clearcut.tools/tools/contract-clause-generator) - AI contract clauses for 10 clause types across 5 jurisdictions
- [AI Policy Generator](https://clearcut.tools/tools/ai-policy-generator) - AI usage policy for businesses and teams

### Health and Safety (AI)
- [Risk Assessment Generator](https://clearcut.tools/tools/risk-assessment-generator) - AI risk assessments by industry and activity
- [Health & Safety Policy Generator](https://clearcut.tools/tools/health-safety-policy-generator) - AI health and safety policy tailored to business type
- [Accident Report Generator](https://clearcut.tools/tools/accident-report-generator) - AI accident and incident reports
- [PPE Requirements Checker](https://clearcut.tools/tools/ppe-requirements-checker) - PPE checklist by job type and hazard
- [Fire Safety Checklist](https://clearcut.tools/tools/fire-safety-checklist) - Fire safety compliance checklist for UK workplaces
- [Noise Exposure Calculator](https://clearcut.tools/tools/noise-exposure-calculator) - Daily noise exposure and hearing damage risk (UK LEP,d)
- [First Aid Kit Calculator](https://clearcut.tools/tools/first-aid-kit-calculator) - First aid kit contents by workforce size and risk level
- [Manual Handling Risk Calculator](https://clearcut.tools/tools/manual-handling-calculator) - Manual handling risk score and control measures
- [DSE Workstation Assessment](https://clearcut.tools/tools/dse-assessment) - Display screen equipment self-assessment checklist
- [Working at Height Checklist](https://clearcut.tools/tools/working-at-height-checklist) - Working at height risk checklist under UK Work at Height Regs

### Property
- [Stamp Duty Calculator](https://clearcut.tools/tools/stamp-duty-calculator) - UK stamp duty (SDLT, LBTT, LTT) for England, Scotland, and Wales
- [Rental Yield Calculator](https://clearcut.tools/tools/rental-yield-calculator) - Gross and net rental yield with expense breakdown
- [Buy-to-Let Calculator](https://clearcut.tools/tools/buy-to-let-calculator) - Monthly cash flow, net yield, and after-tax profit for buy-to-let
- [Mortgage Calculator](https://clearcut.tools/tools/mortgage-calculator) - Monthly repayments, total interest, and amortisation
- [Mortgage Affordability Calculator](https://clearcut.tools/tools/mortgage-affordability-calculator) - Maximum mortgage based on income multiples and stress tests
- [Property ROI Calculator](https://clearcut.tools/tools/property-roi-calculator) - Total return including capital growth, rental income, and costs
- [Renovation Budget Calculator](https://clearcut.tools/tools/renovation-budget-calculator) - Renovation cost estimate by room type and finish level
- [Land Transfer Tax Calculator (Canada)](https://clearcut.tools/tools/land-transfer-tax-calculator) - Canadian provincial land transfer tax
- [Property Comparison Calculator](https://clearcut.tools/tools/property-comparison-calculator) - Side-by-side yield and ROI comparison for two properties
- [Rental Price Estimator](https://clearcut.tools/tools/rental-price-estimator) - Market rent estimate based on location and property type
- [Property Listing Generator](https://clearcut.tools/tools/property-listing-generator) - AI property listing descriptions for Rightmove, Zoopla, and OpenRent

### Ecommerce
- [Amazon FBA Calculator](https://clearcut.tools/tools/amazon-fba-calculator) - FBA fees, net profit, and margin for any product
- [Print on Demand Profit Calculator](https://clearcut.tools/tools/print-on-demand-calculator) - Profit per item after base cost and platform fees
- [Etsy Fee Calculator](https://clearcut.tools/tools/etsy-fee-calculator) - Etsy listing, transaction, and payment processing fees
- [Shipping Cost Estimator](https://clearcut.tools/tools/shipping-cost-estimator) - Estimated shipping cost by carrier, weight, and zone
- [Product Pricing Calculator](https://clearcut.tools/tools/product-pricing-calculator) - Retail price from cost, margin target, and platform fees
- [Dropshipping Calculator](https://clearcut.tools/tools/dropshipping-calculator) - Net profit after product cost, shipping, ads, and platform fees
- [Inventory Turnover Calculator](https://clearcut.tools/tools/inventory-turnover-calculator) - Inventory turnover ratio and days inventory outstanding
- [ROAS Calculator](https://clearcut.tools/tools/roas-calculator) - Return on ad spend with break-even ROAS
- [Product Description Generator](https://clearcut.tools/tools/product-description-generator) - AI product descriptions for Etsy, Amazon, Shopify, and eBay
- [Seller Fee Comparison](https://clearcut.tools/tools/seller-fee-comparison) - Side-by-side seller fee comparison across marketplaces

### Strategy (AI)
- [AI SWOT Analysis Generator](https://clearcut.tools/tools/swot-analysis-generator) - AI SWOT analysis for any business or idea
- [Email Subject Line Tester](https://clearcut.tools/tools/email-subject-tester) - Score and rank up to 5 subject lines with spam risk analysis
- [Job Description Generator](https://clearcut.tools/tools/job-description-generator) - Complete AI-written job descriptions with responsibilities and requirements

### Social Media (AI)
- [AI Social Media Bio Generator](https://clearcut.tools/tools/social-bio-generator) - AI bios for LinkedIn, Instagram, Twitter, and TikTok
- [Hashtag Generator](https://clearcut.tools/tools/hashtag-generator) - AI hashtag sets by platform and niche
- [Social Media Caption Generator](https://clearcut.tools/tools/social-media-caption-generator) - AI captions for Instagram, LinkedIn, Facebook, and TikTok
- [AI Meeting Agenda Generator](https://clearcut.tools/tools/meeting-agenda-generator) - AI meeting agendas with timings and talking points

### Productivity
- [Unit Converter](https://clearcut.tools/tools/unit-converter) - Length, weight, volume, temperature, and area conversions
- [Time Zone Converter](https://clearcut.tools/tools/timezone-converter) - Convert times across world time zones

## Comparison Pages

35 side-by-side comparisons covering software, financial concepts, tax systems, and platforms:

- [Markup vs Margin](https://clearcut.tools/compare/markup-vs-margin)
- [Gross Profit vs Net Profit](https://clearcut.tools/compare/gross-vs-net-profit)
- [Salary vs Hourly](https://clearcut.tools/compare/salary-vs-hourly)
- [VAT vs Sales Tax](https://clearcut.tools/compare/vat-vs-sales-tax)
- [LTV vs CAC](https://clearcut.tools/compare/ltv-vs-cac)
- [1099 vs W-2](https://clearcut.tools/compare/1099-vs-w2)
- [Simple vs Compound Interest](https://clearcut.tools/compare/simple-vs-compound-interest)
- [ROI vs IRR](https://clearcut.tools/compare/roi-vs-irr)
- [Freelance vs Employed](https://clearcut.tools/compare/freelance-vs-employed)
- [Wise vs PayPal for Freelancers](https://clearcut.tools/compare/wise-vs-paypal-freelancers)
- [Xero vs QuickBooks for Small Business](https://clearcut.tools/compare/xero-vs-quickbooks-small-business)
- [Gusto vs ADP Payroll](https://clearcut.tools/compare/gusto-vs-adp-payroll)
- [Mailchimp vs MailerLite](https://clearcut.tools/compare/mailchimp-vs-mailerlite-email-marketing)
- [Stripe vs PayPal for Online Payments](https://clearcut.tools/compare/stripe-vs-paypal-online-payments)
- [FreshBooks vs Wave Invoicing](https://clearcut.tools/compare/freshbooks-vs-wave-invoicing)
- [Notion vs Asana](https://clearcut.tools/compare/notion-vs-asana-project-management)
- [Wise Business vs Revolut Business](https://clearcut.tools/compare/wise-vs-revolut-business)
- [HubSpot vs Apollo Sales](https://clearcut.tools/compare/hubspot-vs-apollo-sales)
- [Canva vs Adobe Express](https://clearcut.tools/compare/canva-vs-adobe-express)
- [OSHA vs HSE](https://clearcut.tools/compare/osha-vs-hse)
- [Manual vs Automated Risk Assessments](https://clearcut.tools/compare/manual-vs-automated-risk-assessments)
- [Fire Risk Assessment vs Fire Safety Audit](https://clearcut.tools/compare/fire-risk-assessment-vs-fire-safety-audit)
- [Employer's Liability vs Public Liability Insurance](https://clearcut.tools/compare/employers-liability-vs-public-liability)
- [SafetyCulture vs iAuditor](https://clearcut.tools/compare/safetyculture-vs-iauditor)
- [Rightmove vs Zoopla](https://clearcut.tools/compare/rightmove-vs-zoopla)
- [Fixed vs Variable Rate Mortgages](https://clearcut.tools/compare/fixed-vs-variable-mortgages)
- [Buy-to-Let vs REITs](https://clearcut.tools/compare/buy-to-let-vs-reit)
- [Stamp Duty: England vs Scotland vs Wales](https://clearcut.tools/compare/stamp-duty-england-vs-scotland-vs-wales)
- [OpenRent vs Letting Agent](https://clearcut.tools/compare/openrent-vs-letting-agent)
- [Amazon FBA vs FBM](https://clearcut.tools/compare/amazon-fba-vs-fbm)
- [Shopify vs WooCommerce](https://clearcut.tools/compare/shopify-vs-woocommerce)
- [eBay vs Amazon for Sellers](https://clearcut.tools/compare/ebay-vs-amazon-sellers)
- [Dropshipping vs Wholesale](https://clearcut.tools/compare/dropshipping-vs-wholesale)
- [Etsy vs Amazon Handmade](https://clearcut.tools/compare/etsy-vs-amazon-handmade)

## Blog / Guides

95 in-depth guides. Selected highlights:

- [Break-Even Analysis: Formula, Calculator + Real Examples (2026)](https://clearcut.tools/blog/break-even-analysis)
- [12 Best AI Tools for Freelancers in 2026 (Tested + Free Options)](https://clearcut.tools/blog/ai-tools-for-freelancers)
- [How to Write a Business Plan in 2026 (Free Template + AI Generator)](https://clearcut.tools/blog/business-plan-guide)
- [Compound Interest Calculator: Formula, Examples + How It Really Works](https://clearcut.tools/blog/compound-interest-guide)
- [Freelance Contract Clauses: The Complete Guide (2026 UK)](https://clearcut.tools/blog/contract-clause-guide)
- [Buy-to-Let Calculator 2026: Rental Yield, Tax + Is It Still Worth It?](https://clearcut.tools/blog/buy-to-let-guide)
- [Email Subject Line Examples: 85 Templates That Get Opens (2026)](https://clearcut.tools/blog/email-subject-line-guide)
- [Job Title & Description Generator: How to Write Great JDs](https://clearcut.tools/blog/job-description-guide)
- [VAT for Small Businesses: UK Guide](https://clearcut.tools/blog/vat-guide-uk)
- [Understanding Profit Margins](https://clearcut.tools/blog/profit-margins-explained)
- [How to Calculate Your Freelance Rate](https://clearcut.tools/blog/freelance-rate-guide)
- [UK Self-Employed Tax Guide](https://clearcut.tools/blog/self-employed-tax-guide)
- [IR35 Explained for UK Contractors](https://clearcut.tools/blog/ir35-guide)
- [Amazon FBA Fees Explained](https://clearcut.tools/blog/amazon-fba-fees-guide)
- [Etsy Fees Guide](https://clearcut.tools/blog/etsy-fees-guide)

## Services

- [Custom Calculator Service](https://clearcut.tools/services/custom-calculator) - We build bespoke calculators and tools for your website. Three tiers: Starter (£99, delivered in 48 hours), Pro (£249, 3 revision rounds), Custom (£499, full-custom logic, 30-day support). Fill in a brief at /services/custom-calculator/brief.

## Pages

- [Home](https://clearcut.tools)
- [All Tools](https://clearcut.tools/tools)
- [Free Tools](https://clearcut.tools/free-tools)
- [Blog](https://clearcut.tools/blog)
- [Compare](https://clearcut.tools/compare)
- [Pricing](https://clearcut.tools/pricing)
- [Services](https://clearcut.tools/services/custom-calculator)
- [About](https://clearcut.tools/about)
- [Terms of Service](https://clearcut.tools/terms)
- [Privacy Policy](https://clearcut.tools/privacy)
- [API Docs](https://clearcut.tools/docs/api)

## Pricing

- Free tier: unlimited access to all calculators, 3 AI tool uses per day, 10 calculation history entries
- Pro: £4.99/month or £39.99/year - unlimited AI uses, 100 calculation history entries, DOCX export
- Business: £39.99/month or £382/year - unlimited AI uses, unlimited history, API access (100 req/min), team features
- Lifetime Pro: £29 one-time (limited offer) - lifetime Pro access
- DOCX Export: £0.99 per download (one-off, no subscription required)
- Custom Calculator (DFY): £99 / £249 / £499 depending on complexity

## Data Sources

- UK tax rates: HMRC official rates for Income Tax, National Insurance, VAT, and Stamp Duty. Updated for 2024/25.
- Loan and mortgage calculations: Standard amortisation formula
- Currency rates: open.er-api.com, updated daily
- AI features: Google Gemini 2.5 Flash, server-side only
- Health and safety: UK Work at Height Regulations 2005, Manual Handling Operations Regulations 1992, Control of Noise at Work Regulations 2005
- US tax: IRS self-employment tax rates and federal income brackets

## Contact

hello@clearcut.tools