Free tools

Free tools for small businesses

Quick calculators to sanity-check what you pay for card processing and point of sale — no sign-up, no email required.

Payments & processing

Credit card processing fee calculator Monthly and annual fees plus your true effective rate, from volume and rate. Open tool → Flat-rate vs interchange-plus calculator See which pricing model costs less on your volume and debit mix — and by how much. Open tool → Cash discount & surcharge calculator Card price, cash price and the fee you pass through at any ticket size. Open tool → Chargeback cost calculator The real monthly cost of disputes — lost sales, fees and your chargeback ratio. Open tool →

Pricing & margins

Profit margin & markup calculator Cost and price → gross profit, margin and markup, or set a target margin. Open tool → Discount calculator Sale price and savings from a percentage or dollar discount. Open tool → Break-even calculator Units and revenue you need to cover fixed and variable costs. Open tool →

Operations

POS cost calculator Software + hardware + processing, for month one, year one and three years. Open tool → Sales tax calculator Add tax to a price, or back tax out of a tax-included total. Open tool → Tip & tip-out calculator Tip and split a check, or divide a shift’s tip pool by hours worked. Open tool →