Free Business Tools
51 practical generators for everyday business admin, wherever you are - country presets set your currency and tax (VAT, GST, Sales Tax), and every field stays editable. Free, no sign-up, and they work on your phone. Built by the team behind Growpins Ledger.
Invoicing & Documents
Invoices, quotations, purchase orders, and delivery paperwork.
Free Invoice Generator
Create and download a professional PDF invoice - country presets for currency and tax (VAT, GST, Sales Tax). No account needed.
Open toolGST Invoice Generator (India)
GST invoices with ₹ pricing, 18% GST preloaded, and GSTIN fields for you and your client.
Open toolFree Quotation Generator
Professional PDF quotes with a validity date, itemized prices, and country presets for currency and tax.
Open toolProforma Invoice Generator
Preliminary invoices for order confirmations, advance payments, and import paperwork - with a validity date.
Open toolPurchase Order Generator
Professional POs for ordering from suppliers - agreed prices, delivery date, and the PO number your accounts can match.
Open toolDelivery Note Generator
Waybills that travel with the goods - items without prices, carrier details, and signature blocks for proof of delivery.
Open toolSchool Fees Invoice Generator
Itemized fee bills for schools - tuition, boarding, levies - with the student, class, and term, and a due date before resumption.
Open toolMedical Invoice Generator
Itemized bills for clinics, labs, and pharmacies - patient and HMO references, no diagnoses on the bill.
Open toolReceipts
Proof of payment for goods, rent, fees, and premiums.
Free Receipt Generator
Issue a professional payment receipt with a PAID badge, amount in words, and part-payment balances. No account needed.
Open toolRent Receipt Generator
Rent receipts with property address, rent period, and installment balances - for landlords and property managers.
Open toolSchool Fees Receipt Generator
Official fee receipts with student, class, term/session, itemized fees, and installment balances - for school bursaries.
Open toolMedical Receipt Generator
Itemized receipts for clinics, labs, and pharmacies - patient details, HMO/insurance reference, and deposit balances.
Open toolInsurance Premium Receipt Generator
Premium receipts for brokers and agents - policy number, period of cover, and installment balances.
Open toolTax Calculators
VAT, GST, PAYE, and withholding tax - by country, rates verified.
Tax Calculator (Global)
Add VAT, GST, or Sales Tax to a price - or extract it from a tax-inclusive one. Country presets set the right rate.
Open toolVAT Calculator (Nigeria)
Add or remove Nigeria's 7.5% VAT - correct reverse-VAT math, in naira.
Open toolVAT Calculator (Ghana)
Add or remove Ghana's 15% VAT - plus the NHIL/GETFund levy picture.
Open toolVAT Calculator (Kenya)
Add or remove Kenya's 16% VAT - correct reverse-VAT math, in shillings.
Open toolVAT Calculator (South Africa)
Add or remove South Africa's 15% VAT - in rand, VAT-inclusive pricing explained.
Open toolGST Calculator (India)
Add or remove India's GST (18% default, post-reform slabs) - CGST/SGST vs IGST explained.
Open toolVAT Calculator (UK)
Add or remove the UK's 20% VAT - zero-rated vs exempt, and the £90k threshold explained.
Open toolVAT Calculator (UAE)
Add or remove the UAE's 5% VAT - plus the 2026 e-invoicing mandate.
Open toolPAYE Calculator (Nigeria)
Monthly PAYE and take-home pay under the 2026 Nigeria Tax Act bands - ₦800,000 tax-free, rent relief, pension and NHF included.
Open toolWithholding Tax Calculator (Nigeria)
WHT by transaction type under the 2024 Regulations - rent, professional fees, goods, and construction - with the no-TIN and small-supplier rules built in.
Open toolPricing & Margin Calculators
Set the right price and know your real margin on every sale.
Profit Margin Calculator
Margin, markup, and profit per unit from cost and price - or set the right price from a target margin.
Open toolMarkup Calculator
From cost and markup percentage straight to the selling price - with the equivalent margin shown alongside.
Open toolGross Margin Calculator
Your whole business's margin: revenue minus COGS, with net margin when you add operating expenses.
Open toolDiscount Calculator
The price after discount - and for sellers, what it does to your margin and how many extra sales it takes.
Open toolProduct Pricing Calculator
Set a price that covers landed cost, marketplace and payment fees, and the margin you want to keep.
Open toolBreak-Even Calculator
How many units you must sell to cover your costs - and how many to hit a target profit.
Open toolGetting Paid
Chase overdue invoices, fees, and rent - without the awkwardness.
Payment Reminder Generator
Polite, effective reminders for unpaid invoices - friendly, firm, or final notice, as email or WhatsApp.
Open toolLate Fee Calculator
Days overdue, the fee accrued at your agreed rate, and the total now due - the exact figure for your final reminder.
Open toolFee Reminder Letter Generator
Friendly, firm, or final school fees reminders for parents - student, term, and amount filled in.
Open toolRent Reminder & Renewal Notice Generator
A rent-overdue reminder or a lease renewal notice for tenants - property, dates, and amount filled in.
Open toolInsurance Claim Letter Generator
A claim notification letter to your insurer - policy number, incident details, and estimated loss.
Open toolFreelance & Team
Rates, project prices, and the true cost of hiring.
Freelance Rate Calculator
The hourly and day rate that actually covers your income, costs, and the unbillable half of your week.
Open toolHourly Rate Calculator
The hourly rate that covers your income, costs, and real billable hours - with a day rate alongside.
Open toolProject Pricing Calculator
A fixed project price from estimated days, your rate, a scope buffer, and expenses - plus the deposit to ask for.
Open toolEmployee Cost Calculator
The true cost of a hire - salary plus statutory contributions, benefits, equipment, and overhead - per year, month, and day.
Open toolGrowth & Finance
Returns, forecasts, cash flow, and borrowing.
ROI Calculator
Return on investment and annualized ROI from what you put in and what came back.
Open toolCAC Calculator
What each new customer really costs to acquire - with the honest cost list and the CLV:CAC health check.
Open toolCustomer Lifetime Value Calculator
What a customer is really worth over the whole relationship - plus the CLV:CAC ratio that says if acquisition pays.
Open toolRevenue Forecast Calculator
Project revenue month by month from a growth rate - with the three-scenario habit that keeps forecasts honest.
Open toolCash Flow Calculator
Cash in minus cash out, projected balances, and your runway if you're burning - collections, not invoices.
Open toolBusiness Loan Calculator
Monthly repayments, total interest, and the true cost of borrowing - including what a flat-rate quote really equals.
Open toolEcommerce
Per-order profit, store-wide margin, and shipping cost.
Dropshipping Profit Calculator
Profit per order after product cost, shipping, fees, and ads - plus your break-even ROAS.
Open toolEcommerce Profit Calculator
Your store's real monthly profit - revenue minus COGS, fees, shipping, ads, refunds, and fixed costs.
Open toolShipping Cost Calculator
Freight, fuel surcharge, insurance, and packaging added up - plus what to charge the customer.
Open toolBusiness Planning & Messaging
Name it, pitch it, and plan it before you build it.
Business Name Generator
Name ideas for your new business, side hustle, or store - built from a word you like and your industry.
Open toolElevator Pitch Generator
Three pitch formats from five questions - a positioning statement, a 30-second version, and a one-liner.
Open toolValue Proposition Generator
A website hero headline, a classic positioning statement, and a before/after story from your product and customer.
Open toolSWOT Analysis Generator
A four-quadrant strengths, weaknesses, opportunities, and threats analysis - copy or print as a clean document.
Open toolComing soon
Country invoice guides
Invoice formats and tax rules for the UK, Nigeria, and more.
More on the way
Tell us what to build next in any tool's feedback box.
One practical business tip per week
Invoicing, pricing, tax, and getting paid - the topics behind these tools, one short email a week.
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Want all of this done automatically?
Growpins Ledger creates invoices, proformas, waybills and receipts with your tax rates (VAT, GST, or Sales Tax) calculated for you - plus bookkeeping, P&L reports, and a client portal in 15 currencies. Free tier, no card required.
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