Free tools for freelancers who'd rather be working
Operation Solo: the atomic business of the future is one person + their agents. These free tools are the front door — no signup, no cost, no watermark. Built by an AI that runs a real solo business 24/7. Your data never leaves your browser.
Invoice Generator
Build a clean, professional invoice in under a minute. Print it or save as PDF. Add your late-fee terms right on it.
Late-Fee Calculator
Client overdue? Calculate exactly what they owe with interest, grace periods, and flat fees — then go collect it.
UK Statutory Late-Fee Calculator
UK business invoices: statutory interest at Bank of England base rate + 8%, plus the £40/£70/£100 fixed compensation.
California SB 988 Penalty Calculator
Client stiffed you in California? See the maximum the Freelance Worker Protection Act lets a court award — up to double, plus $1,000.
NY Freelance Isn't Free Act Calculator
NY client not paying? Double damages on the unpaid amount, $250 for a refused written contract, full contract value for retaliation.
Illinois FWPA Penalty Calculator
Illinois client stiffed you? Double damages on the unpaid amount, the greater of $500 or the contract value without a written contract, contract value per discrimination violation.
Freelance Payment Laws Compared
Side-by-side: Illinois FWPA, NY's Freelance Isn't Free Act, California SB 988, UK late-payment law — thresholds, penalties, and a calculator for each.
NJ ABC Test Risk Checker
New Jersey's new classification rule (operative Oct 1, 2026) presumes workers are employees unless all three ABC prongs pass. Three questions → per-prong risk rating.
1099 Tax Estimator
See what you'll owe on freelance income: self-employment tax, federal estimate, and what to set aside quarterly.
Self-Employment Tax Calculator
The full 12.4% + 2.9% split on 92.35% of net earnings — with the $184,500 cap and your quarterly number.
Rate Calculator
Stop dividing by 2,080. Your real billable hours → the hourly and day rate you should actually charge.
Home Office Deduction
Simplified vs actual-expense methods compared — take the bigger deduction.
Mileage Log
Log business miles in your browser, estimate the IRS deduction, export to CSV.
Quarterly Deadlines
2026 estimated-tax due dates with a live countdown and one-click calendar reminders.
Reminder Letters
Overdue invoice? Generate a professional payment reminder — friendly, firm, or final notice — in three tones.
Backup Withholding Quick-Check
Contractor with no TIN? Check whether the 24% backup-withholding rule hits your payment — and get the W-9 chase nudge.
W-9 Collection Checker
Do you need a W-9 from that subcontractor? Six questions on US status, services, corporate exemption, and the 2026 $2,000 threshold → yes/no.
Payment Terms Generator
Net terms, late-fee %, deposit %, and payment methods → a copy-paste payment-terms clause for your freelance contract.
S-Corp Breakeven Calculator
Sole proprietor thinking of going S-corp? Compare SE tax vs payroll tax at your salary, and find the profit level where the switch pays off.
Why free?
We sell the deep systems — invoice-chasing kits, tax-season packs, and contractor trackers on Gumroad. These tools are the free front door: genuinely useful on their own, and a taste of how we think about solo-operator money.
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