Finance Calculators
Payment-fee reverse calculators, salary conversions and date arithmetic for freelancers, sellers and finance teams.
32 tools · all 100% in-browser · zero uploads
Reverse Payment Fee Calculator
Work backwards from the net you want to keep: get the exact gross to invoice for Stripe, PayPal or custom fees.
Hourly to Annual Salary Converter
Convert a freelance billable rate into a realistic net annual picture with overhead and tax modeled honestly.
Break-Even Point Calculator
Calculate break-even units and revenue from fixed costs, variable cost and price. Includes target profit planning and scenario table.
Markup vs Margin Calculator
Instantly convert between markup percentage and gross margin, calculate selling price from either, and understand the key difference.
Freelance Invoice Generator
Create professional freelance invoices with line items, tax, discount, and totals — download as HTML or print to PDF, zero sign-up.
Net Payment Due Date Calculator
Calculate invoice due dates from Net 15, Net 30, Net 60, and 2/10 Net 30 terms with automatic Monday weekend rollover adjustments.
Cash Runway & Burn Rate Calculator
Calculate startup and freelance cash runway in months and days, net monthly burn, and exact zero-cash drop-dead date.
Reverse GST & VAT Tax Splitter
Reverse-calculate pre-tax net base price and exact tax amounts from gross, tax-inclusive invoice totals with 50/50 CGST/SGST split.
SaaS Burn Rate & Subscription Auditor
Audit recurring software subscriptions, calculate total monthly and annual spend, and identify savings from switching to annual billing.
Appliance Electricity Cost & kWh Calculator
Estimate daily, monthly, and yearly power consumption and utility costs for space heaters, ACs, PCs, and home electronics.
Road Trip Fuel Cost & Passenger Splitter
Calculate total gasoline or diesel volume, entire trip fuel expenses, and equal per-passenger cost shares in US or Metric units.
PERT Task Hour & Project Cost Estimator
Calculate realistic project hours, standard deviation, and 68%/95% confidence intervals using three-point PERT statistical modeling.
Live Real-Time Meeting Cost Ticker
Track the real-time monetary burn of team meetings, standups, and client calls per second and minute based on attendee compensation.
Scope Creep to Formal Change Order Formatter
Convert loose client revision requests into legally sound Change Orders with estimated hours, extra cost, and timeline delay impacts.
Contract Expiry & Renewal Milestone Calculator
Calculate critical written notice deadlines, countdown milestones, and generate formal renewal or termination letters.
Fair Itemized Expense & Proportional Tip Splitter
Split group dinner and project bills fairly by item consumption, distributing sales tax and tips strictly in proportion to what each person ordered.
Startup Equity & Stock Option Vesting Simulator
Simulate 4-year vesting schedules with 1-year cliffs, monthly option grants, exercise costs, and net value gain at various valuations.
Monthly Client Retainer Hours & Overage Ledger
Track contracted hours vs logged deliverables, account for rollover hours, calculate overage fees, and format client billing reports.
Mileage Reimbursement & Travel Expense Calculator
Calculate business trip mileage reimbursement using IRS standard rates, UK HMRC rates, or custom rates with a multi-trip log and CSV export.
Freelance Rainy Day Cash Buffer & Runway Calculator
Calculate your ideal emergency cash buffer and financial runway based on monthly personal living costs, fixed business overhead, and income volatility.
CTC to In-Hand Take-Home Salary Calculator
Convert gross annual CTC (Cost to Company) or job offer packages into realistic monthly take-home salary after taxes, retirement/PF, and deductions.
Business Travel Daily Per-Diem Allowance Calculator
Compute business travel per-diem allowances for domestic and international trips with meals, incidentals, lodging caps, and 75% travel day proration.
Receipt Bill Scanner & Multi-Way Tip Splitter
Parse receipt totals or paste bill text to extract subtotal and tax, calculate custom tip percentages, and split checks evenly across dining guests.
Freelance Rate Increase Announcement Letter Generator
Generate professional, tactful rate increase notification letters for existing clients with adjustable tone, grace periods, and value rationale.
Percentage Change, Increase & Decrease Calculator
Calculate percentage increase, percentage decrease, and relative percentage difference between two values with step-by-step formula breakdowns.
Compound Interest & Future Value Calculator
Model long-term wealth accumulation by compounding interest on principal with regular monthly contributions, customizable frequencies, and growth charts.
Equated Monthly Installment (EMI) & Loan Amortization Calculator
Calculate monthly loan payments, total interest liabilities, and 12-month amortization schedules for home mortgages, auto loans, and personal financing.
Goods & Services Tax (GST) Commercial Invoice Calculator
Compute tax liabilities, inclusive/exclusive base rates, and automatic CGST/SGST/IGST tax splits across standard 5%, 12%, 18%, and 28% slabs.
Salary Hike & CTC Increment Percentage Calculator
Calculate compensation increases, percentage raises, new annual CTC, and monthly take-home differences with multi-year compounding projections.
Inflation-Adjusted Purchasing Power Calculator
Compute the historical and future purchasing power of money over time using CPI inflation compounding to evaluate cash erosion over 1 to 50 years.
Personal Net Worth & Balance Sheet Calculator
Aggregate liquid assets, investments, real estate, and liabilities to calculate total financial net worth, solvency ratios, and debt-to-asset balance.
Restaurant Bill Tip & Fair Group Expense Splitter
Calculate dining gratuities across standard presets (10%, 15%, 18%, 20%, 25%), split bills evenly among guests, and round totals to clean integers.
Working in Finance Calculators
Money math is unforgiving: invoice the wrong gross amount against a 2.9% + 30¢ processing fee and you quietly lose money on every transaction. ASG Tools' finance calculators are built for the people who actually send the invoice — freelancers, e-commerce sellers, agencies. The reverse fee calculator works backwards from the amount you want to land in your bank account and tells you exactly what to charge on top for Stripe, PayPal or any custom fee structure. The hourly-to-annual converter translates a freelance billable rate into a realistic net annual picture, accounting for non-billable hours, overhead and time off.
These calculators run the arithmetic in your browser with plain JavaScript math — there is no server round-trip, no analytics pixel tracking your rates, and no account requirement. Your day rate is commercially sensitive information, and the only place it belongs is inside your own tab.
Batch 1 ships three of the most requested finance micro tools: reverse fee calculation for payment processors, a business-days counter that respects weekends and holiday exclusions for contract timelines, and the freelance salary converter. Later batches will add invoice numbering helpers, currency breakdown tools and compound-interest explorers.