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Everything on this site, in one list
14 working calculators and 19 guides, each with a line explaining what it does, so you can find the right one without searching. Jump to calculators or guides.
Calculators
Each one runs entirely in your browser. Nothing you type is sent anywhere or saved.
Finance
- Break-Even CalculatorTurn fixed costs, price and variable cost per sale into a monthly and weekly break-even target, with your margin of safety.Open calculator
- Cash Flow CalculatorProject your closing cash balance month by month from opening cash, money in and money out — and see how long your balance lasts if you are burning cash.Open calculator
- Loan Payment CalculatorWork out the monthly repayment, total interest and total cost of a business loan from the amount, interest rate and term.Open calculator
- Business Valuation CalculatorEstimate an indicative value range for an owner-run business from adjusted earnings and a realistic multiple, sense-checked against turnover.Open calculator
- Debt Repayment CalculatorSee how long a balance takes to clear at your current payment, how much interest it costs, and what overpaying each month saves you.Open calculator
- Net Profit CalculatorTake revenue through direct costs, overheads and tax to an estimated net profit and net margin.Open calculator
- Revenue Growth CalculatorMeasure total revenue growth between two periods, the average growth per year, and where the same rate would take you next year.Open calculator
Pricing
- Profit Margin CalculatorConvert between cost, price, gross margin and markup — and see the price required to hit a target margin.Open calculator
- Hourly Rate CalculatorSet a defensible hourly rate from your target income, overheads, realistic billable hours and a profit buffer.Open calculator
- Gross Profit CalculatorConvert revenue and direct costs into gross profit and gross margin, so you can see whether the work itself is priced properly.Open calculator
- Markup CalculatorApply a markup to your cost to get a selling price, and see the gross margin it actually produces.Open calculator
Marketing
- Google Ads Budget CalculatorWork backwards from average sale value, margin and close rate to the cost per click and monthly budget your business can actually sustain.Open calculator
- ROI CalculatorTurn what you spent and what it returned into a clear return on investment, an annualised figure you can compare, and a payback period.Open calculator
Guides and comparisons
Grouped by section, newest first. Every piece shows when it was last rechecked.
Software
Tools that earn their monthly fee
- Nine Questions to Ask Before You Buy Any Business Software
The questions that expose the real cost of a subscription: users, tiers, data export and what happens when you leave.
checklist · 9 min read · updated 2 September 2026
- Do You Actually Need a CRM? A Practical Test
A simple way to tell whether a CRM will earn its keep, and what to use instead if it won't.
guide · 9 min read · updated 18 July 2026
- Accounting Software for Small Businesses: An Honest Comparison
What Xero, QuickBooks, FreshBooks and a spreadsheet each really cost once you add users, payroll and your bookkeeper's time.
comparison · 11 min read · updated 24 August 2026
- The Annual Software Audit That Usually Finds 20% of Savings
A repeatable ninety-minute process for cutting subscription waste without breaking anything.
checklist · 7 min read · updated 2 June 2026
Websites
What a site should cost and do
- Redesigning a Website Without Losing Your Rankings
The pre-launch, launch-day and post-launch checks that protect the traffic you already have.
checklist · 8 min read · updated 5 August 2026
- WordPress, Squarespace, Shopify or Webflow: Choosing Once
A decision framework based on who maintains the site and what it sells, not on which platform is trendiest.
comparison · 10 min read · updated 12 August 2026
- How Much Should a Small Business Website Cost in 2026?
Real price bands, what drives them, and the line items worth paying for versus the ones quietly padding quotes.
guide · 12 min read · updated 30 August 2026
Marketing
Spend that can be measured
- Local SEO in the First 90 Days: What Actually Moves Enquiries
A sequenced plan for a business with no marketing team, starting with the free work that produces calls.
guide · 11 min read · updated 3 September 2026
- Email Still Outperforms Social for Small Businesses. Here's the Minimum Setup
One list, three automated emails and a monthly note — the version that fits around real work.
guide · 8 min read · updated 9 July 2026
- Local SEO for Service Businesses: The Work That Moves the Needle
Twelve tasks in priority order, with a clear line between what matters and what is busywork.
checklist · 10 min read · updated 30 July 2026
- Setting a Google Ads Budget That Isn't a Guess
How to work backwards from your average job value to a daily budget, and what to do in the first 30 days.
guide · 11 min read · updated 27 August 2026
Operations
Pricing, cash flow and process
- The 30-Minute Monthly Numbers Routine
A short, repeatable close that tells you whether last month actually made money — before your accountant does.
checklist · 8 min read · updated 1 September 2026
- A Monthly Bookkeeping Rhythm That Takes Two Hours
The weekly and monthly routine that keeps your accounts current and makes year-end uneventful.
checklist · 8 min read · updated 25 July 2026
- Break-Even Analysis: The One Number Every Owner Should Know
How to calculate the revenue where your business stops losing money, and how to use it weekly.
explainer · 9 min read · updated 8 August 2026
- How to Set an Hourly Rate You Can Defend
The billable-hours arithmetic most freelancers get wrong, and how to price from target income instead of guesswork.
guide · 10 min read · updated 20 August 2026
Business Technology
Security, hardware and automation
- Small Business Security You Can Fix in One Afternoon
Six changes that remove most of the realistic risk for a business without an IT team.
checklist · 8 min read · updated 4 September 2026
- Automation That Is Worth Setting Up, and Automation That Isn't
How to find the tasks worth automating, and a simple hours-saved test before you build anything.
guide · 8 min read · updated 2 August 2026
- Card Payment Fees: Reading the Real Cost
How to compare Stripe, Square, SumUp and a traditional merchant account on the numbers that reach your bank.
comparison · 9 min read · updated 14 August 2026
- Cybersecurity for Businesses Without an IT Department
Seven measures that stop the attacks small businesses actually experience, in the order worth doing them.
guide · 10 min read · updated 18 August 2026