Free freelance money tools

Simple calculators and plain-English guides for freelancers and side hustlers. Work out your minimum hourly rate, turn it into a day rate, and see how much of each payment to save for tax. Free, no sign-up, and the math runs in your browser.

Calculators

Freelance floor-rate calculatorFind the lowest hourly rate that still covers your pay, business costs, and tax.Day rate converterTurn an hourly rate into a day, half-day, and week rate, or a day rate back into hourly.Tax set-aside calculatorEstimate what share of each client payment to save for tax (US, 2026 figures).

A good order if you're starting from scratch: floor rate first, then day rate, then tax set-aside.

Guides

How to calculate your freelance hourly rateA four-number formula for your minimum rate, with a worked example and a checklist.Day rate vs hourly rateConvert hourly to a day rate with the hours you really bill, and when a day rate is the better quote.How much to set aside for taxesOne percentage, one savings account, and the 2026 IRS due dates.How to track freelance invoicesThe columns you need, copy-paste spreadsheet formulas, and a follow-up schedule for late invoices.

All guides

Free downloads

Offline copies and printables, on Gumroad. The free ones are name-your-price, so $0 is fine.

Freelance Rate Cheat Sheet: the floor-rate formula and a worked example on one printable page (PDF).
Day Rate Converter (offline file): the same converter as a single HTML file you can keep.
Tax Set-Aside Calculator (offline file): the same calculator as a single HTML file.
Late Payment Email Scripts: four polite-to-firm invoice reminder emails.

About XVisionary

XVisionary is a small shop that makes beginner-friendly money tools for freelancers and side hustlers. The calculators on this site are free and use plain JavaScript in your browser: no accounts, no cookies, no trackers, and nothing you type leaves your device. Each one shows its formula and a worked example so you can check the math yourself.

If you'd rather work in a spreadsheet, XVisionary also sells a few templates (rate and quote, invoices, tax set-aside, side-hustle profit). Everything on this site works without them. Browse the shop.