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Free online tools

Business tools you can use online now.

Use practical calculators, forecasters, and document builders directly in your browser. Each tool is free to use online and also fits naturally into the wider BizStarter ecosystem for entrepreneurs comparing ideas, prices, costs, margins, and financial decisions.

Online apps

12

Focused tools built for fast decisions.

Free to use

100%

No account required to try them online.

Practical groups

5

Planning, finance, margins, and documents.

A compact toolkit for everyday business decisions

This page brings together focused web apps for planning, pricing, quoting, invoicing, financing, and cash-flow analysis. Use them instantly online, then continue exploring strategic assets and premium resources in the BizStarter library when you need broader support.

Browse the tool collection

Open any tool in one click or jump to the library for related business resources.

View in library

Browse the tool collection

Open any tool in one click or jump to the library for related business resources.

Planning & funding

Startup Cost Calculator

Estimate launch costs, reserve runway, and funding gaps before you commit capital.

Core outcomes

  • One-time setup costs
  • Monthly operating costs
  • Reserve and runway view
Planning & funding

Cash Flow Forecaster

Project inflows, outflows, and running balance month by month to spot cash gaps early.

Core outcomes

  • Monthly income and expense lines
  • Cumulative balance tracking
  • Negative month alerts
Planning & funding

Business Viability Calculator

Test whether your business model can support costs, taxes, and your target profit.

Core outcomes

  • Net profit and margin
  • Viability classification
  • Profit gap or surplus
Pricing & margins

Break-Even Calculator

See how many units or services you need to sell before the business stops losing money.

Core outcomes

  • Contribution margin
  • Break-even units and revenue
  • Safety margin estimate
Pricing & margins

Profit Margin Calculator

Measure real profitability after VAT, fees, shipping, and other sale-level costs.

Core outcomes

  • Gross and net margin
  • Markup calculation
  • Monthly profit estimate
Pricing & margins

Pricing Calculator

Define sustainable hourly rates and project prices based on income, taxes, and expenses.

Core outcomes

  • Revenue target logic
  • Recommended hourly rate
  • Project pricing estimate
Growth & unit economics

CAC & LTV Calculator

Evaluate acquisition efficiency, lifetime value, and payback to understand growth quality.

Core outcomes

  • CAC and LTV calculation
  • LTV:CAC ratio
  • Payback period in months
Finance & credit

Finance Calculator

Simulate loan payments, total financing cost, and the impact of fees or insurance.

Core outcomes

  • Monthly payment simulation
  • Total interest and lender cost
  • All-in financing cost
Finance & credit

Consumer Credit Calculator

Run Portuguese consumer credit simulations with TAEG, MTIC, effort rate, and amortization.

Core outcomes

  • TAEG and MTIC
  • Effort-rate analysis
  • Full amortization schedule
Finance & credit

Personal Credit Calculator

Track repayments over time with a full amortization table and paid-installment progress.

Core outcomes

  • Payment schedule
  • Total credit cost
  • Progress tracking by installment
Quotes & invoices

Quote Builder

Build polished quotes with item-level discounts, taxes, notes, and printable previews.

Core outcomes

  • Detailed quote editor
  • Live totals and taxes
  • Print-ready preview
Quotes & invoices

Invoice Generator

Create invoices with auto-numbering, VAT breakdown, status tracking, and export options.

Core outcomes

  • Invoice numbering
  • VAT breakdown by rate
  • CSV and XML export