Free tools

Calculators, no sign-up

Calculators for the sums that come up around our templates. They run entirely in your browser: the numbers you type stay on your computer, nothing is uploaded, and none of them ask for an email address. Each one pairs with a spreadsheet that keeps the working.

Nearly all of them work in any country, most carry a selector with eleven currencies, and none of those assumes a country’s tax rules, filing deadlines or units. Two are the exception. The Making Tax Digital checker and the 5% VAT renovation calculator are both about HMRC’s rules, and both say so at the top.

Cake pricing calculator

Cost a recipe by the pack sizes you buy, add your hours, overhead and target margin, and get a price for the cake and a price per serving. Eleven currencies, metric and imperial.

Pairs with the Cake Pricing Calculator workbook

Gumroad fee calculator

What you actually keep on Gumroad, Payhip, Ko-fi, Lemon Squeezy and Etsy, with the 2026 fee chains applied in the right order. Eleven currencies, an editable exchange rate for the fees priced in US dollars, and EU, UK and US sales-tax positions all covered.

Pairs with the Digital Product Sales Tracker, which is also free

Residuary estate calculator

The whole waterfall: assets, less debts, funeral and administration costs, less the gifts and cash legacies, then the residue divided by share. When the legacies come to more than the estate can pay, it abates them in the usual order instead of showing a negative number.

Pairs with the Estate Executor Organizer

Empty property cost calculator

What an empty house costs a month once the council tax premium, unoccupied insurance and standing charges are in one place, plus what it has run up so far. It uses your own bill and your own premium rather than a table of council rates.

Pairs with the Estate Executor Organizer

Builder quote comparison calculator

Three quotes onto one basis: your allowance added back for whatever a quote leaves out, provisional sums swapped for what you expect to spend, the same tax footing on all three, then ranked on true cost. Eleven currencies, and no tax rate assumed.

Pairs with the Home Renovation Budget Tracker

Contractor payment schedule calculator

A contract value in, a dated draw schedule out: what each stage is worth, what tax goes on it, what retention comes off it, and the date the retention falls due. Four stage patterns to start from, all editable. Eleven currencies, and no country’s building or tax rules inside it.

Pairs with the Home Renovation Budget Tracker

5% VAT renovation calculator

UK only. Whether your job looks like one of the reduced-rate categories, what the gap between 20% and 5% is worth on your own spend, and the evidence list to hand the contractor. The rates are typed by you rather than hard-coded, because they move.

Pairs with the Home Renovation Budget Tracker

Inherited property sale calculator

Estate agent, auction or cash buyer, compared on the net to the estate rather than the headline price, with every route paying for the months it takes. Tells you what a cash offer would have to be to match the best of them. Eleven currencies, and the tax layer is optional and yours to set.

Pairs with the Estate Executor Organizer

Do I need probate?

There is no national probate threshold: every institution sets its own release limit. Enter each account, how it is held and the limit that bank gave you, and get a verdict per account instead of one answer for the whole estate. Eleven currencies, and it states no jurisdiction’s rules.

Pairs with the Estate Executor Organizer

Sibling buyout calculator

What one heir pays the others to keep an inherited house: net equity after the mortgage, each person’s share, and credit for whoever has been paying the mortgage or fixing the roof. Eleven currencies, no lead form, and no financing rates anywhere in it.

Pairs with the Estate Executor Organizer

Inheritance equalisation calculator

How to split an estate when one child was given money years earlier. Brings the lifetime gifts back in, divides by share, deducts each advance, and handles the case where somebody already had more than their share. Framed as what a hotchpot clause produces, never as an entitlement.

Pairs with the Estate Executor Organizer

Cake delivery fee calculator

What to charge to deliver and set up a cake: the round trip at your own fuel price, the driving and the setup at your hourly rate, a loading for tiered work that can go wrong, and your margin. Eleven currencies, metric or miles.

Pairs with the Cake Pricing Calculator workbook

When a calculator is not enough

A calculator answers one question and forgets it when you close the tab. The spreadsheets keep your ingredients, your quotes, your bookings, your estate schedule and your ledger, so the second answer takes seconds instead of minutes.

See the six templates