Tools

Your numbers, worked out

The money questions behind a working year — what to charge, what a day off the tools really costs. Free calculators, your own numbers, no sign-up.

• Invoice template

  A Word invoice carrying the fields yours legally has to show — which depends on how you trade and whether you're VAT registered.

• Quote template

  A Word quote with the wording that protects you — including the 14-day cancellation notice a job agreed in someone's home has to carry.

• Day rate calculator

  The rate that covers your wages, the van, tools, insurance and the unbilled days you spend quoting.

• Markup vs margin calculator

  A 30% markup is not a 30% margin. See the price, the profit, and the share of the price you keep.

• Late payment interest calculator

  What a late-paying business customer owes you — statutory interest plus compensation — with the chase letter written for you.

• VAT threshold calculator

  The £90,000 test is a rolling 12 months, not a tax year. See whether you're on course to cross, and roughly when.

• Flat Rate VAT calculator

  Flat rate or standard, on your own numbers — including the 16.5% limited-cost trap that catches labour-heavy trades.

• Job profit calculator

  Materials, your hours at their real rate, the miles and the skip hire — what the job actually made.

• CIS deduction calculator

  What a contractor holds back before they pay you — 20% or 30% of the labour, with materials and plant left out of it.