The practical operating system for UK freelancers
Every tool below is free, works in your browser, requires no sign-up, and uses 2026/27 UK figures. Pick a stage — start, price, win, contract, invoice, get paid, tax, run — or jump straight into the flagship planner.
Price your work
- Freelancer Business Planner — target income → day rate + hourly rate + revenue target + tax reserve, with utilisation scenarios
- Day Rate Calculator — focused salary → day rate
- Hourly Rate Calculator — hourly rate variant
- Salary → Contractor Rate — convert employee salary to contractor day rate
- Profit Margin Calculator — margin, markup, break-even
- Pricing worksheet (CSV)
Review & decide
Tools that tell you whether what you just did made money, and whether what you're about to do will.
- Project Profitability Calculator — effective hourly rate on a finished project
- Retainer Profitability Calculator — the hidden-discount check on recurring work
- Project vs Day Rate Calculator — fixed fee or day rate for this one?
- Rate Increase Planner — model churn before raising rates
- Holiday Cost Calculator — what time off actually costs
Scope & contract
- Quote Generator — pre-sale pricing document
- Statement of Work Generator — seven-section SoW with signature blocks
- Freelance contract template
- Termination clauses
- Client onboarding checklist
Invoice-level tax & cash
- Invoice Tax Reserve Splitter — split every invoice into VAT / tax / pension / take-home pots
- Cashflow Forecast Calculator
- Emergency Fund Calculator
- Late payment interest calculator
Start as a freelancer
- Sole Trader vs Limited Company — the fundamental choice
- Sole Trader vs Ltd Calculator — take-home comparison
- Self Assessment registration guide
- Should I start a limited company?
- Best business bank account
- IR35 Status Checker
Win work
Contract & onboard
Invoice & get paid
Manage tax
VAT
Run the business
Hubs
Deeper editorial clusters: