Invoicing & Cash Flow

Work out the late fee and total amount due on an overdue invoice — based on the invoice amount, your monthly interest rate, and how many days late payment is.

Work out how much deposit to collect upfront and split the rest into equal milestone payments, based on your project total and deposit percentage.

Work out what to bill when a client cancels mid-project — combines the value of work already completed with a cancellation charge on the unfinished remainder.

Compare Stripe, PayPal, and Square fees on a payment, see what you actually net, and find out what to charge to net a specific amount.

See what Upwork, Fiverr, Freelancer.com, or Toptal actually keeps from a project — enter the amount and get your real net earnings and take-rate percent.

Find out what offering net-15, net-30, or net-60 terms actually costs you in financing — based on invoice size, payment terms, and your cost of capital.

Turn an early payment discount like 2/10 net 30 into an effective annual rate, so you can see whether offering it is actually worth the cash-flow speed.

Calculate the final price and amount saved when you discount a client quote, plus what that discount does to your profit and margin against your own cost floor.

Calculate the final invoice total from a subtotal, an optional percentage discount, and sales tax or VAT — see the discount, tax, and total broken out.

Add hours and minutes for as many timesheet rows as you need and turn a timesheet into an invoice amount at your hourly rate.

Enter your subcontractor cost and markup percent to see the client price, your profit, and your margin — priced to cover PM time and risk.

Allocate your monthly freelance income into profit, owner pay, tax, and operating expense buckets using the Profit First allocation method.

Compare what Wise, PayPal, and Payoneer actually take when a foreign client pays your invoice, and see what lands in your account after fees and FX.