SMALL TOOLS. MORE POSSIBILITY.
A little less admin.
A lot more possibility.
Create a document. Work out the numbers. Plan your next move. Practical, free tools for freelancers, independent businesses and people working across borders.
THE TEMPLATE LIBRARY
Need an editable starting point?
20 templates for invoices, proposals, spreadsheets and client emails. Start with a blank file or a completed example.
Looking beyond tools? Search articles, templates and the whole site ↗
34 tools for your working day.
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01 / FIND
SWIFT code finder
Start with a country. Find the institution, narrow it down by city, and explore its listed codes.
Find a SWIFT code02 / CHECK
SWIFT / BIC checker
Already have a code? Understand its format and see whether it appears in our reference directory.
Check a SWIFT code03 / EXPLORE
Country code finder
Find ISO codes, calling prefixes, capitals, currencies, languages, time zones, and flags for 249 countries and territories.
Find country codes04 / VALIDATE
IBAN validator & checker
Check the country format, length, and checksum. Understand the result with clear explanations, right in your browser.
Check an IBAN05 / FIND & CHECK
IFSC finder & checker
Find Indian bank branches by bank, state and city, or check an IFSC and explore its listed details.
Explore IFSC codes06 / FIND & CHECK
US routing number tools
Search selected bank-published routing numbers or check a number’s length, prefix and checksum.
Find a routing number07 / VALIDATE
Mexico CLABE checker
Check a CLABE’s format and check digit. Understand its bank code and number structure, privately in your browser.
Check a CLABE08 / EXPLORE
Currency code finder
Search current ISO currency codes by country, name, symbol or number. Explore their decimal units and individual currency pages.
Find a currency code09 / CREATE
Invoice generator
Create a professional invoice with line items, taxes, discounts and payment instructions. Export a PDF without signing up.
Create an invoice10 / CALCULATE
Invoice due-date calculator
Work out Net 30, 60 or custom due dates. Account for month-end terms, weekends and your entered holidays.
Calculate a due date11 / PLAN
Time-zone converter & meeting planner
Compare times across up to six locations, find shared working hours and download your meeting as a calendar event.
Find a meeting time12 / CREATE
Payment receipt generator
Record a received payment with its date, method and reference. Include partial payments and an optional remaining balance.
Create a receipt13 / CALCULATE
Freelance rate calculator
Account for income goals, expenses, time off, billable hours and fees. See the calculation behind your rate.
Calculate your rate14 / CREATE
Quote / estimate generator
Turn your scope into a polished quote or estimate with line items, taxes, discounts, validity dates and an optional deposit.
Create a quote15 / CALCULATORS
VAT / GST calculator
Add or remove VAT or GST using your own tax rate. Calculate net, tax and gross amounts, see the reverse-tax formula and export the breakdown.
Open tool16 / CALCULATORS
Hourly-to-salary calculator
Convert hourly, daily, weekly, fortnightly, monthly and annual gross pay using your own working hours and paid weeks. Compare equivalent amounts before deductions.
Open tool17 / CALCULATORS
Invoice aging calculator
Build an accounts receivable aging report from invoice due dates, payments and credits. Import CSV, group unpaid balances into aging buckets and export CSV or PDF.
Open tool18 / PLANNING
Timesheet & work-hours calculator
Calculate work hours, unpaid breaks, overnight shifts and weekly totals. Turn your timesheet into a billable amount and export a PDF or CSV.
Open tool19 / CALCULATORS
Profit margin & markup calculator
Calculate profit margin, markup and gross profit, or work backwards from a target margin to a selling price. Free, with clear formulas and examples.
Open tool20 / MARKETING
Email signature generator
Create a professional email signature with your name, role, company and contact links. Choose a layout, then copy the formatted signature or download the HTML.
Open tool21 / DOCUMENTS
Proposal & scope-of-work builder
Build a client proposal and scope of work with objectives, deliverables, exclusions, milestones and payment terms. Preview and export a professional PDF.
Open tool22 / CALCULATORS
Break-even calculator
Calculate break-even sales units, revenue and contribution per unit from your fixed costs, variable costs and selling price. Include a target profit.
Open tool23 / DOCUMENTS
Purchase order generator
Create a purchase order with buyer and supplier details, line items, quantities, taxes and delivery instructions. Download a professional PDF without signing up.
Open tool24 / PLANNING
Cash-flow forecast builder
Build a monthly cash-flow forecast with opening cash, cash in and cash out. See closing balances, potential shortfalls and export the forecast to CSV.
Open tool25 / MARKETING
QR code generator
Create a static QR code for a website or contact card. Download PNG or SVG files with no account, tracking redirect or expiration date.
Open tool26 / MARKETING
UTM link builder
Build campaign URLs with UTM source, medium, campaign, content and term parameters. Preserve existing URL parameters and copy a properly encoded tracking link.
Open tool27 / CALCULATORS
ROAS & acquisition cost calculator
Calculate return on ad spend, customer acquisition cost and contribution after advertising, acquisition and fulfillment costs. Use your own campaign figures.
Open tool28 / DOCUMENTS
One-page business plan builder
Create a concise business plan covering customers, your offer, revenue, costs, marketing and milestones. Preview your plan and export a professional PDF.
Open tool29 / CALCULATORS
Payment-fee & FX calculator
Compare payment and FX quotes using your own exchange rates and fees. Calculate the amount received or work backwards to the amount you need to invoice.
Open tool30 / DOCUMENTS
Credit note generator
Create a credit note referencing an original invoice, with credited items, tax adjustments and a clear reason. Preview and export a professional PDF or CSV.
Open tool31 / DOCUMENTS
Statement of account generator
Create a customer statement with opening balance, invoices, payments, credit notes and a running balance. Export a professional statement of account PDF or CSV.
Open tool32 / DOCUMENTS
Expense report generator
Create an itemized expense report with dates, merchants, categories, business purposes and receipt references. Separate personal and company-paid costs and export PDF or CSV.
Open tool33 / CALCULATORS
Project profitability calculator
Calculate project profit after contractors, expenses, payment fees and the value of your time. See your effective hourly return, break-even fee and target price.
Open tool34 / DOCUMENTS
Client onboarding questionnaire generator
Create a client onboarding questionnaire for freelance and agency projects. Choose questions, customize the sections and export a branded PDF or editable text.
Open toolFree to use. No account required. Practical tools with clear explanations.
THE DETAILS, EXPLAINED
A little context goes a long way.
IBAN, SWIFT, and routing numbers
Different identifiers. Different jobs. Learn which details belong in which field.
02 / PAYMENT GUIDESSEPA or SWIFT?
Understand the difference between a euro payment scheme and a global messaging network.
03 / PAYMENT GUIDESFollow a missing transfer
The references and questions that can help your bank investigate.