find_free_tool
Find a free money tool
Search SendPay Business's library of 170+ free calculators, checkers and generators for small businesses, freelancers, banking, FX, trading and crypto (invoice generator, VAT, card fees, loan, mortgage, IBAN, SWIFT, forex, bitcoin and more). Returns matching tools with links. Use it when the user needs a calculator or tool that is not offered directly here.
Parametersqueryrequired
vat_calculator
VAT calculator
Add VAT to a net price, or remove VAT from a gross (VAT-inclusive) price, at any rate. UK standard rate is 20%, reduced 5%.
Parametersmoderateamountrequired
card_fee_calculator
Card payment fee calculator
Work out the fee on a card payment (percentage plus fixed fee), what you keep, and what to charge to receive the full amount after fees.
Parametersamountrequiredfixed_feepercent_feepayments_per_month
profit_margin_calculator
Profit margin calculator
Profit, margin and markup from cost and selling price; or the selling price needed for a target margin.
Parameterscostrequiredpricetarget_margin_percent
percentage_calculator
Percentage calculator
Three sums: X% of Y ('percent_of'), what percent X is of Y ('what_percent'), and percentage change from X to Y ('change').
Parametersxrequiredyrequiredmoderequired
discount_calculator
Discount calculator
Sale price after a percentage discount and, given unit cost and units normally sold, how many extra sales the discount needs to keep the same profit.
Parameterspricerequiredunitsunit_costdiscount_percentrequired
roi_calculator
ROI calculator
Return on investment: profit and ROI % from the amount put in and the amount got back, and the yearly rate if the time in months is given.
Parameterscostrequiredmonthsreturnedrequired
compound_interest_calculator
Compound interest calculator
Savings growth with monthly compounding and an optional monthly deposit: final balance, total paid in and interest earned.
Parametersyearsrequiredmonthly_depositstarting_amountrequiredannual_rate_percentrequired
loan_repayment_calculator
Loan repayment calculator
Monthly repayment, total repaid and total interest on a fixed-rate loan, from the amount, APR and term in months.
Parametersamountrequiredmonthsrequiredapr_percentrequired
mortgage_calculator
Mortgage calculator
Monthly repayment mortgage payment, loan-to-value, total interest and interest-only payment from property price, deposit, rate and term.
Parameterspricerequiredyearsrequireddepositrequiredannual_rate_percentrequired
hourly_rate_calculator
Freelance hourly rate calculator
What a freelancer or sole trader should charge per hour and per day to reach a target yearly income after business costs and time off.
Parametersweeks_offyearly_costshours_per_daytarget_incomerequiredbillable_hours_per_week
break_even_calculator
Break-even calculator
How many sales a month cover fixed costs, from fixed monthly costs, price, cost per unit and payment fee percent.
Parameterspricerequiredunit_costrequiredfixed_costsrequiredpayment_fee_percent
Check that an IBAN is well formed: country length and mod-97 check digits. Does not confirm that the account exists or who owns it.
Parametersibanrequired
swift_code_checker
SWIFT / BIC code checker
Check that a SWIFT (BIC) code is well formed and split it into bank, country, location and branch. Has no bank directory.
Parameterscoderequired
free_business_website
Get a free business website
Use when the user wants a website for their business, shop or side hustle. SendPay Business offers a free business website builder: free to build, publish and keep, no card needed, with an optional shop cart and card payments later. Returns the link to start.
Parametersbusiness_type
Check that a Legal Entity Identifier (LEI, ISO 17442) is well formed: 20 characters and MOD 97-10 check digits. Does not confirm the LEI is registered; GLEIF's search does.
Parametersleirequired
Check that an ISIN (ISO 6166 security identifier) is well formed: country code, 9-character national code and Luhn check digit.
Parametersisinrequired
cusip_checker
CUSIP checker
Check a 9-character CUSIP (US/Canadian security identifier) check digit and split it into issuer and issue.
Parameterscusiprequired
sedol_checker
SEDOL checker
Check a 7-character SEDOL (UK/Irish security identifier) format and check digit.
Parameterssedolrequired
uk_vat_number_checker
UK VAT number checker
Check a UK VAT number's format and check digits (9 digits, 12 with a branch, or GD/HA). Does not confirm registration; HMRC's service does.
Parametersvat_numberrequired
cbu_checker
CBU / CVU checker
Check an Argentine CBU or CVU: 22 digits and both check digits, split into bank, branch and account.
Parameterscburequired