All Free Business Tools
44 free calculators and document generators, grouped by category. Everything runs in your browser — no signup, no upload, instant PDF where relevant.
Invoicing & Billing
Silo overview →Invoice Generator
Create professional invoices with line items, tax, and totals — download as PDF in seconds.
GST Invoice Generator
GST-compliant invoices with CGST, SGST and IGST breakdown, GSTIN fields and HSN codes.
Freelance Invoice Generator
A simple, single-project invoice for freelancers — hours × rate, project brief and payment terms.
Hourly Invoice Generator
Bill multiple tasks by the hour — each line has its own hours and hourly rate.
Recurring Invoice Generator
Generate invoices for weekly, monthly or quarterly billing — with the next-due-date calculated for you.
Quotation Generator
Send professional quotes with a validity date and one-click convert-to-invoice flow.
Receipt Generator
Issue a clean receipt for a payment received — payer, amount, date and method.
Credit Note Generator
Cancel or adjust an issued invoice with a formal credit note PDF.
Proforma Invoice Generator
Create a proforma invoice — an estimated, pre-delivery bill for approvals and POs.
Payroll & HR
Silo overview →Salary Slip Generator
Create itemised monthly salary slips with earnings, deductions and auto-calculated net pay.
Pay Stub Generator
US-style pay stub with gross pay, federal/state tax, insurance, retirement and net pay.
Offer Letter Generator
Send a professional offer letter with role, CTC, benefits and joining requirements.
Appointment Letter Generator
Formal appointment letter with designation, salary, probation and notice period.
Termination Letter Generator
Formal termination letter with reason, last working date and settlement details.
Appraisal Letter Generator
Annual appraisal letter with revised CTC, increase percentage and manager comments.
Relieving Letter Generator
Relieving letter confirming last working date and clearance of dues.
Experience Certificate Generator
Formal experience certificate with tenure, role and key responsibilities.
Salary Hike Letter Generator
Formal salary revision letter with current salary, revised salary and auto increase %.
Pricing & Profitability
Silo overview →Profit Margin Calculator
Enter your cost and selling price to instantly see gross profit and profit margin percentage.
Markup Calculator
Enter cost and desired markup % to see selling price and profit — with a side-by-side margin vs markup comparison.
Break-Even Calculator
Find the units and revenue you need to cover your fixed costs. See a visual breakdown of costs vs revenue.
Gross Margin Calculator
Enter revenue and COGS to compute gross profit and gross margin percentage.
Net Profit Margin Calculator
See the full P&L stack: gross margin, operating margin and net margin from revenue, COGS, opex and tax.
Discount Calculator
Apply flat or percentage discounts to one price or a list of items. Optional tax. See savings and final price.
ROI Calculator
Enter investment and returns to see ROI %, net profit and annualised ROI over your time period.
Customer Lifetime Value Calculator
Estimate gross and net CLV from average purchase value, purchase frequency, customer lifespan and gross margin.
Product Pricing Calculator
Build a selling price from materials, labour, overhead and target margin — with a cost breakdown chart.
Loans & Financing
Silo overview →Business Loan EMI Calculator
Calculate monthly EMI, total interest and total repayment for a business loan. Includes a principal vs interest split.
Amortization Schedule Calculator
Generate a full month-by-month amortization table with principal, interest and balance for any loan.
Working Capital Calculator
Calculate working capital, current ratio and quick ratio from your assets and liabilities.
Debt-to-Income Calculator
Calculate your DTI ratio from monthly income and all existing debt payments — with a color-coded risk indicator.
Loan Refinance Calculator
Compare your existing loan against a refinancing offer. See new EMI, total interest saved and breakeven month.
ROI on Loan Calculator
Check whether a loan will actually pay for itself. Enter loan cost and expected return to see net ROI.
Loan Eligibility Calculator
Estimate the maximum loan amount you qualify for based on income, existing EMIs and FOIR.
Simple Interest Calculator
Calculate simple interest and total repayment from principal, rate and time.
Compound Interest Calculator
Calculate compound interest and maturity value with adjustable compounding frequency and a growth chart.
Legal & Documents
Silo overview →NDA Generator
Generate a mutual or one-way non-disclosure agreement with confidentiality period and governing law.
Business Proposal Generator
Create branded business proposals with executive summary, scope of work, pricing and timeline.
Partnership Agreement Generator
Create a partnership agreement with capital contributions, profit-sharing ratio and dispute resolution.
Terms & Conditions Generator
Generate website or app terms and conditions tailored to your business type and jurisdiction.
Privacy Policy Generator
Create a GDPR and CCPA-aware privacy policy tailored to the data your website collects.
Service Agreement Generator
Draft a client service agreement with deliverables, payment terms and cancellation clauses.
Rent Agreement Generator
Generate a rental agreement with landlord, tenant, property details, rent, deposit and lease dates.
Vendor Agreement Generator
Create a vendor agreement with goods or services description, pricing, delivery and payment schedule.