Free tools
The sums the trade actually has to do
Working calculators for UK rules, free, no sign up and nothing stored. Built because the useful ones either do not exist or sit behind somebody’s email form.
Money you are owed
Late payment interest
What you can add to an unpaid invoice when another business owes you: statutory interest at 8% over base, plus the fixed recovery sum.
Work it outCIS deduction calculator
What to deduct from a subcontractor and what they get paid, with the deduction coming off the labour only, which is the bit people get wrong.
Work it outReverse charge checker
Five questions to settle whether you put VAT on the invoice or hand it to your customer to account for, and what the invoice has to say.
Check a jobWhat to charge
Charge-out rate
What your own year needs you to charge an hour, once the holidays, the quiet days, the van and the insurance are in it. Usually a shock.
Work it outMarkup and margin
A 20% markup is a 16.7% margin. Convert either way, and see what the markup you have been using is really leaving you.
Convert itMileage calculator
What your business miles are worth as an expense, at the 55p rate that came in on 6 April 2026, with the drop after ten thousand miles.
Add it upKeeping out of trouble
VAT threshold tracker
How close your rolling twelve months is to the threshold, roughly when you would cross, and what the deadlines are once you do.
Check your positionMore on the way
A CIS late filing penalty calculator is next. It is not here yet because we could not pin down one of the figures to a source we were happy with, and a wrong penalty number is worse than no calculator.
Why every one of these shows its date
Rates move. The mileage rate went from 45p to 55p in April 2026, and there are calculators on the internet still quietly handing out the old number. A tool that is wrong is worse than no tool, because you might take it into an argument with a contractor.
So each one names the rate it used and the day we checked it against gov.uk, and where a figure moves often, like the Bank of England base rate, we ask you for it rather than bake in something stale.
What these are not
They are calculators, not tax or legal advice, and they cannot see your contracts or your circumstances. Each one links to the gov.uk page its rules came from.
Nothing you type is sent anywhere or stored. There is no email form in front of any of them.
Or hand the whole lot over
Belo answers the calls you miss, drafts the quote off your own prices, raises the invoice and chases the money, with you approving anything that goes to a customer.