Clarity on Pricing, Profit & Cashflow for Independent Pros
Zero-clutter financial utilities engineered for freelancers, digital agencies, and independent SaaS founders. Instant math, zero signup, 100% private.
Business Utilities
Select a tool to compute your metrics instantly
Freelance Hourly & Retainer Calculator
Determine the minimum hourly, daily, and monthly retainer rates you must charge to cover overhead, taxes, and achieve your target take-home salary.
Profit Margin & Markup Engine
Effortlessly compute Gross Margin, Net Margin, and Cost Markup percentages for services, e-commerce goods, or client retainers without mathematical confusion.
Invoice Late-Fee & Interest Calculator
Calculate statutory interest and daily compounding penalty fees on overdue client invoices based on standard commercial net payment terms.
Break-Even & Revenue Target Calculator
Pinpoint exactly how many project deliverables or monthly clients are required to cover your fixed operating expenses and achieve desired profitability.
Contractor Tax & Net Income Estimator
Estimate your estimated quarterly tax obligations, deductible business expenses, and real take-home net income from gross 1099 or freelance billings.
Discount & Bundle Pricing Evaluator
Determine the exact sales volume increase required to offset price cuts or promotional discounts so your gross profit dollars never shrink.
SaaS LTV & Churn Rate Engine
Calculate Customer Lifetime Value (LTV), annual churn, customer lifespan, and LTV-to-CAC health ratio using standard SaaS recurring subscription formulas.
CAC Payback & Efficiency Calculator
Determine the exact number of months required to recover Customer Acquisition Cost based on gross margins and recurring subscription revenue.
1099 Contractor vs W-2 Employee Cost Calculator
Compare total employer expenditure between 1099 independent contractors and W-2 payroll employees, factoring FICA, healthcare, benefits, and equipment burdens.
Business Runway & Cash Reserves Calculator
Calculate company cash runway in months under zero-revenue scenarios, determine target liquidity reserves, and evaluate runway expansion actions.
Value-Based Pricing ROI Calculator
Price projects based on client economic return rather than hours worked. Calculate client value capture, pricing brackets, and compelling ROI pitch ratios.
Sales Tax & EU VAT Threshold Calculator
Calculate gross and net transaction values across international sales tax and VAT regimes, and monitor economic nexus liability thresholds.
Startup & Agency Burn Rate Calculator
Model gross monthly burn, net operational cash drain, and survival horizon in months. Benchmark liquidity reserves against enterprise bankruptcy risk.
Agency Overhead & Labor Multiplier Calculator
Determine the exact billing rate multiplier needed on base staff wages to absorb operating overhead, account for non-billable time, and generate target agency profit margins.
SaaS Magic Number & Sales Efficiency Calculator
Evaluate your go-to-market capital efficiency. Determine whether your sales engine is generating sufficient Net-New ARR to justify expanding marketing budgets.
SaaS Rule of 40 & Margin Modeler
Balance top-line revenue growth against operating cash generation. Model Free Cash Flow and EBITDA margins to benchmark your capital efficiency against Bain & OpenView standards.
Consulting Fee & Client ROI Calculator
Price high-ticket advisory and B2B consulting engagements based on client economic return. Model risk-adjusted value capture, net client profit, and compelling pitch multiples.
ROAS & Target CPA Calculator
Calculate return on ad spend (ROAS), break-even ad multiples, target CPA, and net profit dollars after product manufacturing costs.
Salary to Hourly Wage Converter
Convert annual salary to hourly, daily, weekly, and bi-weekly paychecks. Model standard 2,080 working hours, overtime, and PTO deductions.
Compound Interest & Wealth Growth Calculator
Model exponential portfolio accumulation over time with initial principal, recurring monthly deposits, compounding frequencies, and inflation adjustments.
E-Commerce Unit Economics & Net Profit Calculator
Model true per-order net profit for Shopify, Amazon FBA, and WooCommerce stores factoring in product COGS, shipping, payment processing, and ad CPA.
DSCR & Commercial Loan Calculator
Calculate Debt Service Coverage Ratio (DSCR), monthly amortized payments, and commercial bank underwriting thresholds for business and property loans.
Startup Equity Dilution & Cap Table Calculator
Model founder cap table dilution across post-money SAFEs, employee option pools (ESOP), and Series A priced venture capital rounds.
CPM & Ad Campaign Impressions Solver
Solve Cost Per Mille (CPM), total ad campaign budgets, required impressions, and project visitor clicks based on estimated CTR.
Markup vs. Margin & Selling Price Engine
Calculate cost markup percentages, target retail selling prices, and compare markup versus gross profit margin side-by-side without confusion.
Days Sales Outstanding (DSO) Calculator
Measure average invoice collection speed, isolate delinquent customer receivables, and quantify trapped working capital to speed up cashflow.
Working Capital & Current Ratio Engine
Evaluate short-term commercial solvency, Current Ratio, Quick Ratio (Acid-Test), and Net Working Capital across 12-month balance sheet assets and liabilities.
Tip & Bill Split Calculator
Calculate exact gratuity, split check shares evenly per person, and round up totals in real time for dining and group bills.
Percentage & Ratio Calculator
Solve 3 common percentage problems: What is X% of Y, X is what percent of Y, and percentage increase or decrease between numbers.
Hourly to Salary Calculator
Convert hourly pay rates into annual salary, monthly, bi-weekly, and weekly gross income with overtime (1.5x) and PTO adjustments.
Sales Commission & OTE Modeler
Model flat rate and tiered commission plans, quota accelerator thresholds, base salaries, and total On-Target Earnings (OTE).
Inventory Turnover & DSI Engine
Calculate inventory turnover ratio, days sales of inventory (DSI), and annual carrying cost drag to unlock trapped working capital.
Conversion Rate & CRO Modeler
Calculate website and e-commerce conversion rates (CR %), projected lead volume, and forecast bottom-line revenue lift from CRO.
EBITDA & Enterprise Valuation Modeler
Compute standard and Adjusted EBITDA from top-down revenue or bottom-up net income, model owner add-backs, and estimate M&A valuation multiples.
Cost Per Acquisition (CPA) Calculator
Solve your campaign Cost Per Acquisition, determine required ad budgets, and project conversion targets across Google, Meta, and TikTok.
Business Loan & SBA Loan Calculator
Model commercial bank term loans, SBA 7(a) debt, and credit lines. Calculate monthly amortized payments, lifetime interest cost, and underwriting DSCR capacity.
Contribution Margin & CVP Calculator
Model unit economics, contribution margin ratios, break-even unit volume targets, and operational margin of safety across your product catalog.
Customer Retention Rate (CRR) Calculator
Calculate customer logo retention rate (CRR %), customer churn percentage, average customer lifetime duration, and Net Revenue Retention (NRR %).
S-Corp vs LLC Tax Savings Calculator
Compare self-employment tax liabilities between an LLC Schedule C and S-Corporation Form 2553 election. Model reasonable compensation, distributions, and net annual tax savings.
SBA Loan Calculator (7(a) vs 504 CDC)
Model SBA 7(a) variable working capital debt and SBA 504 CDC fixed commercial real estate debentures. Calculate monthly payments, guaranty fees, and bank DSCR hurdles.
Investment & Portfolio Growth Calculator
Model future portfolio growth, monthly dollar-cost averaging, S&P 500 benchmarks, inflation-adjusted purchasing power, and 4% safe withdrawal retirement income.
Auto Loan & Car Payment Calculator
Calculate monthly auto loan payments, dealer trade-in equity, sales tax, lifetime interest, and evaluate terms against the 20/4/10 affordability rule.
Mortgage & Monthly PITI Calculator
Model total monthly mortgage payments including Principal, Interest, Property Taxes, Homeowners Insurance, and PMI with full 30-year amortization.
Debt Payoff Calculator (Avalanche vs Snowball)
Compare mathematically optimal Debt Avalanche (highest APR first) versus Debt Snowball (lowest balance first). Model extra monthly payments and interest savings.
Overtime & Time-and-a-Half Calculator
Calculate FLSA 1.5x time-and-a-half overtime, California 2.0x double time, blended effective wage rates, and annualized gross earnings across weekly/monthly pay periods.
Invoice Factoring & AR Discount Calculator
Calculate immediate cash advances (80-90%), factoring discount fees, escrow reserve returns, and effective annual percentage rates (APR) on B2B accounts receivable.
Personal Loan & Debt Consolidation Calculator
Calculate monthly personal loan payments, credit score APR tiers (6.5% - 35.99%), total interest costs, and debt payoff savings.
Paycheck & Net Take-Home Pay Calculator
Calculate your exact net take-home pay per paycheck with 2026 progressive federal tax brackets, FICA taxes, state taxes, and pre-tax deductions.
Student Loan & Repayment Accelerator
Model standard 10-year vs 20-year repayment plans, discretionary income IDR estimates, and extra monthly payoff acceleration.
Mortgage & Loan Refinance Breakeven Calculator
Compare current vs new loan terms side-by-side, monthly payment savings, closing cost breakeven horizon, and net lifetime savings.
Certificate of Deposit (CD) Calculator
Calculate guaranteed maturity balance, APY vs APR yields, compounding frequency (daily vs monthly), and early withdrawal penalties.
Inflation & Purchasing Power Decay Calculator
Simulate purchasing power loss over time, future inflation price increases, Rule of 72 doubling times, and investment growth hedges.
ROI & Annualized Return (CAGR) Calculator
Calculate simple return on investment, compound annualized growth rate (CAGR), capital multiples (MOIC), and net profit with dividends.
LTV to CAC Ratio & SaaS Unit Economics Calculator
Evaluate Customer Lifetime Value (LTV), Customer Acquisition Cost (CAC) ratio, gross margin adjusted payback months, and SaaS health scores.
Loan Amortization & Principal Payoff Calculator
Calculate monthly principal & interest payments, annual balance amortization tables, extra payment acceleration, and total interest savings.
Credit Card Payoff & Interest Calculator
Determine the exact month and year you will become debt-free. Compare minimum payments vs. fixed payments and calculate total interest savings.
HELOC Payment & Borrowing Power Calculator
Calculate maximum credit line limits under 80% to 90% LTV, interest-only draw period payments, and the payment shock when 20-year repayment begins.
Net to Gross Paycheck Calculator
Reverse-calculate required gross salary from target take-home cash. Solves federal progressive tax brackets, FICA taxes, state taxes, and 401(k) deductions.
Bonus Tax & Supplemental Wage Calculator
Calculate exact take-home pay on employee bonuses. Compare the IRS 22% flat supplemental withholding rate against the aggregate method and state taxes.
Self-Employment Tax Calculator (Schedule SE)
Calculate 15.3% Social Security & Medicare taxes on 1099 profit, the statutory 92.35% taxable profit basis, 50% AGI write-offs, and quarterly voucher amounts.
401(k) Retirement & Wealth Calculator
Project your retirement nest egg with compounding investment growth, company matching formulas, annual IRS contribution caps, and 4% rule retirement cashflow.
Simple Interest Calculator (I = Prt)
Calculate simple interest accrued, total repayment sums, and daily accrual rates using the standard I = Prt equation for loans and promissory notes.
Rule of 72 Doubling Calculator
Calculate how many years it takes to double your money. Compare the Rule of 72 against the exact logarithmic formula and model inflation purchasing power halving.
CTR Calculator (Click-Through Rate)
Calculate campaign Click-Through Rate (CTR), solve for required impressions or clicks, benchmark against Google Ads averages, and model traffic revenue uplifts.
CPC Calculator (Cost Per Click & Max Bid)
Calculate average Cost Per Click (CPC), convert CPM & CTR into equivalent CPC, and determine maximum profitable keyword bids from target CPA.
Cost of Goods Sold (COGS) Calculator
Calculate Cost of Goods Sold from beginning/ending inventory or direct production costs, deduce gross profit margins, and analyze inventory turnover ratios.
Stripe Fee & Reverse Gross-Up Calculator
Calculate exact Stripe processing fees (2.9% + $0.30), international surcharges, ACH debit caps, and reverse invoice gross-up amounts.
PayPal Fee & Reverse Gross-Up Calculator
Calculate PayPal merchant checkout fees (3.49% + $0.49), direct card processing, micropayments, and invoice gross-up pricing.
Prorated Rent Calculator
Calculate mid-month move-in and move-out partial rent using exact calendar days, banker 30-day rules, or annual 365-day conventions.
Prorated Salary & Partial Paycheck Calculator
Calculate FLSA-compliant partial paycheck gross compensation for mid-cycle new hires across bi-weekly, semi-monthly, and monthly schedules.
SAFE Note & Dilution Calculator
Model Y Combinator Post-Money SAFEs, valuation cap vs discount triggers, Series A equity rounds, and founder cap table dilution.
Cap Table & Equity Dilution Calculator
Model multi-stakeholder startup capitalization tables, priced financing rounds, option pool shuffle mechanics, and fully diluted share counts.
Business Valuation & SDE Calculator
Determine fair market enterprise value for small businesses and mid-market firms using Seller’s Discretionary Earnings (SDE) and EBITDA multiples.
Startup Runway & Cash Burn Calculator
Model monthly net cash burn, dynamic compound revenue growth, projected zero-cash dates, and Paul Graham’s Default Alive vs Default Dead status.
Engineered with Zero Privacy Compromises
Deterministic mathematics running purely in client-side WebAssembly and JS runtimes.
100% Client-Side Privacy
Your proprietary revenue metrics, consulting rates, and contractor invoices never leave your device. Zero server logs, zero cloud database persistence.
Instant Reactive Formulas
No latency or roundtrip server requests. Adjust sliders, toggles, or percentages and watch your margins, taxes, and runway calculate with sub-millisecond responsiveness.
Audited Mathematical Logic
Every calculation methodology is documented with standard statutory formulas, real case benchmarks, and practical economic guidance.
The Financial Foundations of a Sustainable Digital Business
TreatFlow Editorial & Engineering Standards
Running an independent business, digital consultancy, or freelance practice requires more than technical mastery—it demands rigorous pricing and margin discipline. Over 60% of early-stage service providers underprice their work because they mistake hourly wage for business billing rate, failing to factor in non-billable overhead, self-employment taxes, healthcare, and software tooling.
1. The Billable Hours Reality
A full-time year contains roughly 2,080 hours. However, sustainable knowledge workers only bill between 1,000 and 1,200 hours annually. The remaining 40% to 50% is consumed by marketing, administrative bookkeeping, client communication, and professional development. Pricing must account for this utilization gap.
2. Margin vs. Markup Clarity
A common accounting error is equating a 50% markup to a 50% gross margin. A product costing \$100 marked up 50% sells for \$150, but yields a gross profit margin of only 33.3%. Understanding this distinction prevents cashflow shortfalls when scaling client teams or sub-contractors.
Topical Financial & Valuation Guides
Peer-reviewed mathematical analyses and step-by-step statutory models.
Startup Equity Dilution Guide: SAFEs & Option Pools
How YC post-money SAFEs convert and why the pre-money option pool shuffle dilutes founders.
1099 vs W-2 Contractor Tax & Rate Equivalency
Calculate the exact 25%-35% rate premium needed to offset 15.3% self-employment tax and benefits.
Stripe vs PayPal Fees & Reverse Invoice Gross-Up
2.9% + $0.30 vs 3.49% + $0.49 processing math and reverse invoice gross-up formulas.
Audits all mathematical models, IRS tax estimates, and SaaS formulas for TreatFlow.