Free Small Business Calculators & Tools
Last updated: 2026-03-31
Free, no-sign-up calculators and interactive tools for small business owners. Estimate your taxes, compare business structures, calculate payroll costs, and more — all with state-specific data and 2026 rates.
Tax Calculators
Self-Employment Tax Calculator
Calculate your self-employment tax, federal income tax, QBI deduction, and quarterly estimated payments. See exactly what you owe as a freelancer or sole proprietor.
Use free tool →Quarterly Tax Estimator
Estimate your quarterly estimated tax payments including income tax, self-employment tax, and state taxes. See exact amounts and due dates for each quarter.
Use free tool →1099 vs W-2 Calculator
Compare take-home pay three ways: W-2 employee vs 1099 contractor vs S-Corp owner. See taxes, deductions, and net income side by side.
Use free tool →S-Corp Tax Savings Calculator
Calculate exactly how much you could save in self-employment tax by electing S-Corp status. Includes reasonable salary, compliance costs, and net savings analysis.
Use free tool →Home Office Deduction Calculator
Compare the simplified method ($5/sq ft, max $1,500) vs the regular method for your home office deduction. See which saves you more on taxes.
Use free tool →Expense Tracker
Free business expense tracker with IRS categories. Log expenses by date, category, and payment method. Auto-calculates totals. Export as CSV or PDF. No signup required.
Use free tool →Mileage Log & Deduction Calculator
Free IRS-compliant mileage log. Track trips with date, destination, purpose, and odometer readings. Auto-calculates deductions at 2026 IRS rate ($0.70/mile). Export CSV or PDF.
Use free tool →Section 179 Calculator
Calculate Section 179, bonus depreciation, and first-year equipment deductions. See tax savings and effective cost for business equipment purchases. Free, no signup.
Use free tool →Sales Tax Nexus Checker
Check which states you have sales tax nexus in. Economic nexus thresholds, physical presence analysis, and marketplace facilitator rules for all 50 states. Free, no signup.
Use free tool →Tax Deduction Finder
Find every tax deduction your small business qualifies for. Select your industry and business type to see applicable deductions with IRS form references and estimated savings.
Use free tool →Business Formation Tools
LLC Cost Calculator
Calculate the total cost to form and maintain an LLC in any state. Includes filing fees, registered agent, annual report, and franchise tax costs.
Use free tool →Business Structure Quiz
Answer 10 questions about your business to get a personalized recommendation on whether you should operate as a sole proprietorship, LLC, or S-Corp.
Use free tool →Startup Cost Estimator
Estimate your total first-year startup costs including LLC formation, licenses, insurance, equipment, and tax obligations. Customized by state and industry.
Use free tool →Business Plan Builder
Build a professional business plan step by step. Covers executive summary, market analysis, financials, and operations. Download as a print-ready document.
Use free tool →LLC Operating Agreement Generator
Generate a free LLC operating agreement customized for your state. Add members, set management structure, profit distribution, and dissolution terms. Print or save as PDF.
Use free tool →Compliance & Licensing Tools
Compliance Checklist Generator
Select your state and industry to generate a complete compliance checklist: licenses, insurance, tax registrations, payroll setup, and employment law requirements.
Use free tool →Business License Lookup
Find out exactly which business licenses and permits you need. Select your state and industry to see requirements with direct links to government filing sites.
Use free tool →State Business Comparison
Compare 2-3 states side by side on LLC costs, taxes, minimum wage, insurance requirements, and business-friendliness. Find the best state for your business.
Use free tool →Filing Deadline Tracker
Select your state to see every business filing deadline: annual reports, franchise tax, sales tax returns, payroll filings, and estimated tax due dates.
Use free tool →Certification Eligibility Quiz
Answer questions about your business to find out which government contracting certifications you may qualify for, including SBA 8(a), HUBZone, WOSB, SDVOSB, and DBE.
Use free tool →Payroll & HR Calculators
Payroll Cost Calculator
Calculate the true cost of hiring an employee including salary, FICA, FUTA, state unemployment, workers comp, and benefits. See employer cost per hour and per year.
Use free tool →Take-Home Pay Calculator
Calculate your take-home pay from any salary. Accounts for federal income tax, state income tax, Social Security, and Medicare for all 50 states.
Use free tool →Paycheck Calculator
Calculate your take-home pay from any salary. Federal income tax, state tax, Social Security, Medicare, 401(k), and health insurance deductions for all 50 states. Free, no signup.
Use free tool →W-4 Withholding Calculator
Estimate your correct W-4 withholding. Enter income, filing status, dependents, and deductions to see recommended W-4 entries and estimated tax. Free, no signup.
Use free tool →Employment & Classification
Employee vs Contractor Quiz
Answer 15 questions based on IRS behavioral, financial, and relationship factors to determine if a worker should be classified as an employee or independent contractor.
Use free tool →Employee Handbook Builder
Build a customized employee handbook for your small business. Select policies, add your company info, and download as a print-ready document. Free, no sign-up.
Use free tool →Offer Letter Generator
Generate professional employment offer letters. Fill in job title, salary, benefits, and start date. Download or print. 100% free, data stays in your browser.
Use free tool →Non-Compete Checker
Check if your non-compete agreement is enforceable in your state. See state-specific rules, income thresholds, duration limits, and recent legislation. Free, no signup.
Use free tool →General Business Calculators
Profit Margin Calculator
Calculate gross profit margin, net profit margin, and markup percentage. Enter revenue and costs to see your margins and how they compare to industry averages.
Use free tool →Invoice Generator
Create professional invoices and download as PDF. Add your logo, line items, tax, and discounts. 100% free, no sign-up, your data never leaves your browser.
Use free tool →Business Proposal Generator
Create professional business proposals. Fill in your services, pricing, timeline, and terms. Download as a print-ready document. Free, no sign-up required.
Use free tool →P&L Statement Template
Free profit and loss statement template. Enter revenue and expenses, auto-calculate gross profit, net income, and margins. Download as professional PDF. No signup required.
Use free tool →NDA Generator
Generate a professional non-disclosure agreement (NDA) for free. Unilateral or mutual, customizable clauses, state-specific governing law. Print or save as PDF.
Use free tool →Contractor Agreement Generator
Generate a professional independent contractor agreement. Customize scope of work, payment terms (hourly, fixed, retainer), IP ownership, and state-specific clauses. Free, no signup.
Use free tool →Balance Sheet Template
Free balance sheet template for small businesses. Enter assets, liabilities, and equity. Auto-calculates totals and validates balance. Print or save as PDF. No signup required.
Use free tool →Cash Flow Statement Template
Free cash flow statement template. Track operating, investing, and financing activities. Auto-calculates net cash flow and ending balance. Download as PDF. No signup required.
Use free tool →About These Tools
Every calculator and tool on SmallBizHandbook is 100% free, with no sign-up, no email gate, and no upsells. All tools use current 2026 tax rates, state filing fees, and federal thresholds — and are regularly updated when rates change.
Our tax calculators incorporate the latest IRS self-employment tax rates, Social Security wage base ($184,500 for 2026), Medicare surtax thresholds, and Qualified Business Income (QBI) deduction rules. Our formation tools use actual state filing fees sourced from Secretary of State websites.
These tools provide estimates only and are not a substitute for professional tax, legal, or financial advice. Always consult a qualified CPA or attorney for decisions specific to your situation.
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